Module 4A: How To Remove Negative Payment History

Payment History counts towards 35% of your credit score. Your payment history is the record you’ve established by either paying or not paying your bills on time. This is one of the most important factors in a FICO® Score.

This video will show you how to dispute the derogatory items that count towards payment history using "Verification Letters" and "Method of Verification Letters" also known as "Credit Dispute Letters."


  • Identity Dispute Letter
    Identity Dispute Letter

    This letter disputes any incorrect identity data listed on your credit report.

  • Credit Inquiry Dispute Letter
    Credit Inquiry Dispute Letter

    This letter assists in removing unauthorized credit inquiries.

  • Credit Dispute Letters 1 - 5
    Credit Dispute Letters 1 - 5

    These are the Verification, Method of Verification, Original Creditor Dispute, Violation of FCRA Rights, and Intent to Litigate letters.

  • Debt Validation Letter
    Debt Validation Letter

    Debt Validation Letters are letters sent directly to the creditor or collection agency. This letter exercises your rights under the Fair Debt Collection Practices Act. This letter is different from the 4 dispute letters that are sent to the Credit Reporting Bureau.

  • How To Remove Medical Collections
    How To Remove Medical Collections

    This document will provide you with information on how you can remove medical collections from your credit report. It includes template letters to be used.

Module 4B: When To Use A Goodwill Letter

Late payments on a credit card or other loan can have a widespread financial impact on your credit score. One possible solution: You may be able to remove late payments on your credit report and start to improve your credit with a "Goodwill Letter." The purpose of a "Goodwill Letter" is to restore your credit to good standing by having a lender erase a lateness on your credit report.

This video will instruct you how and when to use "Goodwill Letters."


  • Goodwill Letter
    Goodwill Letter

    This letter requests a creditor to remove a late payment because you've been a good customer. Sometimes if you can plead your case that you were a good and loyal customer prior to a unfortunate circumstance, the creditor may remove late payments out of the goodness of their hearts.

Module 4C: When To Use A Pay For Delete Letter

Even though some customers have reported success, a "Goodwill Letter" won't always work; that's when you may opt for a "Pay For Delete Letter." This is a letter used to negotiate with creditors to remove derogatory information in exchange for an agreed upon payment.

This video will instruct you how and when to use "Pay For Delete Letters."


  • Pay For Delete Letter
    Pay For Delete Letter

    Pay For Delete is a negotiation strategy you can use to have negative information removed from your credit report. These are four (4) sample letters that you can use when negotiating.

Module 4D: How To Mail Dispute Letters

One of the most important strategies in the credit repair process is documenting your efforts. If you are sending a letter to a creditor or a credit bureau, make sure to send it via certified mail and return receipt requested.

This video will instruct you how to mail your dispute letters.

Credit Bureaus Dispute Address

Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256

P.O. Box 4500
Allen, TX 75013

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000


20:31 Minutes