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Free budget calculator
Use this free online budget calculator to see if you're on-track to meet future financial obligations such as education and retirement.

Legal Disclaimer for Debt-n-Credit Letters.com
Legal Disclaimer for Debt-n-Credit Letters.com Debt-n-Credit Letters. com Legal Disclaimer Rich's Enterprises, which owns and operates Debt-n-Cre..

Expired Statute of Limitations notification letter.
Free sample letter informs collectors that the statute of limitations for enforcing the collection of the debt has expired!

Amend Debt Payment Agreement Letter
Use this free letter to change your original debt payment agreement with collectors and creditors.

Free Sample for Closing inactive credit accounts
Voluntarily closing credit accounts can improve your credit score. Use the free sample letter to close out zero balance accounts or accounts that you intend to payoff.

Credit card dispute letter for correcting billing errors!
Free sample credit card dispute letters for correcting credit card bills!

Free sample complaint resolution letter
Free letter for making a debt settlement offer to debt collectors demanding more than you want to pay!

Free letter to confirm financial hardship with creditors.
Use this free sample letter to creditors to confirm reduced or delayed payment agreements!

Sample letter for filing complaints after credit sales!
Use this sample letter to complain about products or services you're not satisfied with!

Debt collection dispute letter - free sample letter
Initial dispute letter in response to a debt collector's call or letter!

Debt collection dispute follow-up letter
Free sample debt dispute letter for following up on your initial debt dispute letter.

Debt collection dispute letter informs new collector
Free debt dispute letter informs a new collector that you've already disputed the debt with a previous collector.

Debt collection dispute letter when still invalid
Free letter for informing collectors that a debt is still in dispute after they fail to properly vailidate the debt.

Debt Payment agreement letter - FREE sample
Free payment agreement letter for send to debt collectors when you wish to make a payment agreement offer

Debt settlement letter for paying off old debts!
Free letter for making a debt settlement offer to debt collectors demanding more than you want to pay!

Final Payment Warning Letter informs creditors and collectors
Use this free letter to warn creditors and collectors that you are about to send a check marked Paid in Full!

Judgment Proof Notification Letter
Judgment proof dispute letter is used to inform creditors and collectors that you have no income or assets and no money and can prove it!

Paid in Full letter informs collectors the debt is paid.
After paying off a debt, use this FREE letter to send collection agencies

Previously settled debt letter stops collection efforts
Free letter informs collectors that you already paid off or settled the debt they are trying to collect.

Expired Statute of Limitations notification letter.
Free sample letter informs collectors that the statute of limitations for enforcing the collection of the debt has expired!

Stop debt collector calls with this free sample letter!
Stop harassing debt collection phone calls! FREE sample letter stops collectors from calling you at home, work, even cell phones!

How to complain after making a purchase.
Learn how to complain after making a purchase! Tips, techniques, and sample complaint letters!

How and where to file credit complaints!
Got a complaint against banks, credit cards, or lenders? Here's where to complain and how to get a response!

Mailing and Record-Keeping Instructions
Mailing and record-keeping instructions for when you must keep accurate records of your actions concerning creditors and collectors.

Phone log for recording calls to creditors!
Free creditor phone communication log for recording calls to creditors and collectors.

Opt-out of credit bureau lists with this free sample letter
Opt-out of everything using this free letter and contact info. Stop credit agencies from selling your personal credit history!

Sample letter for explaining negative items in credit history
Take the sting off that negative entry in your credit report with a 100-word entry. Sample letter!

Letter for removing outdated information from Credit Reports
Use this free letter to have outdated information removed from your credit files. Removing old information can imporve your credit score.

National Credit Bureaus Contact Information - Equifax, Experian, Trans Union!
Credit Bureaus contact information including addresses, 1-800 numbers and websites!

Unauthorized inquiries on credit reports can lower your credit score!
A credit report inquiry is classified as either hard and soft. Hard inquiries can lower credit scores by as much as 5 points per inquiry. Learn how to remove unauthorized inquiries.

Sample letter for stopping and removing unauthorized credit inquiries
A credit inquiry lowers your credit scores! Use this free letter to have creditors remove their unauthorized credit inquiries from your credit history.

remove credit inquiry letter for removing unauthorized inquiries
Improve your credit scores! Use this free letter to have unauthorized credit inquiries removed from your credit profile.

Credit report dispute letter - FREE sample.
Free sample letter to dispute inaccurate and outdated information in your consumer credit reports!

Sample credit report dispute follow-up letter
Correct inaccurate information in your credit reports. Free sample follow-up dispute letter.

File a complaint with the FTC, FREE sample letter!
Use this sample letter to notify the credit bureau that you intend to file a formal complaint unless they honor your request to correct your credit report!

Sample Letter for Requesting a Free Consumer Credit Report
Use this sample letter to request FREE consumer credit reports!

How to respond to debt collection calls!
Debt collectors use scripts so why not have a script of your own? Learn how to answer bill collector's questions.

Free script for negotiating payments on delinquent accounts
Use this free script for negotiating reduced payments on delinquent accounts!

Script for complaining about a poor products or services.
Free phone script to help you when calling to complain about a product or service

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