If you are trying to improve your credit score to apply for a mortgage, getting the bad items fixed is essential. The more you can improve your score, the better rate you will receive.  A low score can make the difference between an approval and a decline, so it’s vitally important to take charge to improve your credit rating.

I’m a mortgage guy, not a credit repair guy, but I’ve been around enough to see these methods work. If you need something more extensive, or just someone to do it for you, I suggest you check out My Credit Guy.

The first thing you need before you can do a protest is to know what exactly is on your credit report. I can help you with this if you are applying for a mortgage with me. Additionally, you can check www.AnnualCreditReport.com to get a free copy of your report.

Letter Type #1- Make The Credit Bureau To Prove It Was You

With this type of letter you send it to the credit reporting agencies and say that it’s not your debt. It’s up to them to determine if it was really you or not. Typically, it’s just easier to remove it than to go back and forth with you.

Be sure to protest each debt on a separate letter.

Here’s what you need to say.




RE: <<creditor>>, Account #: <<account>>

To Whom It May Concern:

Under the FCRA, 15 USC 1681g, I have the right to demand that that you disclose to me all documents that you have recorded and retained in the file. Send me all copies of documents that you have on file that were used to verify the above listed account because I did not do business with this company.

Under FCRA 15 USC 1681g, all unverified accounts must be deleted.

Please remove this account from my credit report and send me an updated copy of my credit report.



<<client name>>

<<client address>>

<<client social>>


This would need to go to the credit bureau that reported the account as being late.

The addresses are:

ExperianP.O. Box 2002Allen, TX 75013

TransUnionP.O. Box 2000Chester, PA 19016

Equifax Information Svc. LLCP.O. Box 740241Atlanta, GA 30374

Be sure to sign the letters and use blue ink.

Letter Type #2: Pay For Deletion

Another strategy that you can use is called pay for deletion. This works especially well with chargeoffs.

In this strategy, you settle the debt, but in exchange for the payment, the debt collector has to remove it from your credit report.

Pay For Delete Sample Letter 1{Account Number: XXXXXXXXXXX}{Original Creditor: (creditor name)}{Amount as Listed on Credit Report: $XXXX.XX}To Whom It May Concern:In reference to the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount due to our mutual benefit. Please note that I do not acknowledge any liability for this debt in any form and I retain my right to request a full and complete debt verification and validation from your company.However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions:• Your company will delete all references to this account from my credit profile at the three credit bureaus (Experian, Equifax, and TransUnion).• You will not list this debt as a “settled account.”• Your company will accept this payment to satisfy the debt in full.• Your company will not attempt to sell or transfer this debt to another creditor.• You will make no mention of this agreement to outside third parties.If you agree to these terms I will:• Pay the amount of $XXX.XX via money order or certified cashier’s check (aim for around 40% to 50% of the debt for newer accounts, and 30% to 40% of the debt for older accounts.)Please understand that this is not a renewed promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements.The terms of this offer will expire after 30 days. I look forward to your prompt and positive response.Sincerely,Your nameYour social security number

Letter Type #3: Goodwill Letter

A goodwill letter is one where you have paid off the debt and you are requesting that the creditor remove your debt as an act of goodwill.


Dear Creditor,

I’m writing to you regarding my account # (insert account number here). I really enjoyed using the card but had (insert your issue here).

As you can see, I’m  now back on my feet and pay off the account on (insert date here).

However, it’s still reporting on my credit report and I need to get it removed so I can apply for a mortgage. I would be so very grateful if you can remove it for me.


Your nameYour Social Security Number


As you can see, there are a few different methods to get negative items removed from your credit report. It takes time, but once you do it, you will enjoy that credit score increase!