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Use AI to Write Your Own Credit Dispute Letters
Want to take control today? Copy one of our proven dispute letter prompts and paste it into ChatGPT to start crafting your own custom letters right now.
Use these prompts inside ChatGPT or your favorite AI tool to create your own dispute letters.
Late Payment Removal
Use this prompt to request removal of a one-time late payment due to hardship.
Late Payment Removal Prompt
Write a dispute letter asking to remove a 30-day late payment from my Capital One credit report from March 2023. Explain that it was due to a temporary hardship, that I've made on-time payments since, and I'm requesting a goodwill adjustment.Collection Account Dispute
Challenge a collection account that you believe is inaccurate or unverifiable.
Collection Account Dispute Prompt
Write a dispute letter for a collection account from ABC Collections in the amount of $500. Request debt validation and state that this debt is not recognized. Include a request for original account documentation and verification of their right to collect.Hard Inquiry Removal
Request removal of unauthorized or outdated hard inquiries from your credit report.
Hard Inquiry Removal Prompt
Write a dispute letter to Experian requesting removal of a hard inquiry from Chase Bank dated January 15, 2023. Explain that I never authorized this inquiry, I have no record of applying for credit with this company, and request verification or complete removal from my credit report.Duplicate Account Dispute
Challenge duplicate accounts appearing on your credit report that are inflating your debt profile.
Duplicate Account Dispute Prompt
Write a dispute letter to TransUnion regarding a duplicate Wells Fargo account appearing on my credit report. The original account number ends in 4567, while the duplicate shows the same balance and history but ends in 7890. Explain that this duplicate is artificially inflating my debt-to-income ratio and request its removal.Identity Theft Item Removal
Dispute fraudulent accounts or charges that appeared on your credit report due to identity theft.
Identity Theft Item Removal Prompt
Write a dispute letter to Equifax regarding a fraudulent Discover credit card account opened in my name on November 10, 2023. Include that I've filed a police report (case #12345), placed a fraud alert on my credit file, and never authorized this account. Request complete removal and include a request for identity theft victim assistance.Goodwill Letter Request
Request removal of negative items based on your positive payment history and relationship with the creditor.
Goodwill Letter Request Prompt
Write a goodwill letter to American Express requesting removal of a 60-day late payment from August 2022. Explain that I've been a loyal customer for 5 years with an otherwise perfect payment history, the late payment was due to a medical emergency, and I've made all payments on time since then. Emphasize my commitment to financial responsibility and request this courtesy adjustment.Want us to handle it for you? Let the pros take over.
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Credit Report Review & Strategy Call
Start with a one-on-one call to review your current credit report, uncover key issues, and build a personalized game plan.
Monthly Dispute Letter Service
We handle the creation and delivery of dispute letters to challenge inaccurate, outdated, or unverifiable items on your credit reports.
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