You get all of this for just a 1-time payment of $47 and all future updates!

These 2 databases are growing and currently include the following: 

Dispute reason categories: 

• collections - 3rd party
• collections - debt buyer
• late payments
• charge-offs
• repos
• foreclosures
• bankruptcy
• judgments/liens
• inquiries
• identity theft
• student loans

Dispute letters: 

These are specific letters that cover the following issues (note that "letters" refers to the opening text body/paragraph). 

*The letter text is too large for the database; because of this, you will have access to the "living database" - Google Sheet that you can easily copy directly from and edit to suit your needs. You can preview all the letters on the website, though. 

• INCORRECT PERSONAL INFO
• UNAUTHORIZED INQUIRY
• ROUND 2 INQUIRY DISPUTE
• ROUND 3 INQUIRY DISPUTE-INTENT TO SUE
• REQUEST FOR VERIFICATION
• REQUEST VERIFICATION WHEN NO ANSWER FROM CA
• INACCURATE INFORMATION DISPUTE - LETTER C
• REQUESTING THE REMOVAL OF INACCURATE INFORMATION
• ROUND 2 DISPUTE INACCURATE INFORMATION
• ROUND 2 DISPUTE-NO RESPONSE TO FIRST DISPUTE
• ROUND 2 DEMAND TO COMPLY WITH INVESTIGATION
• ROUND 2 DISPUTE AFTER VERIFICATION
• ROUND 3 LETTER THREATENING INTENT TO SUE
• REQUEST FOR INVESTIGATION PROCEDURES - LETTER FREQUEST DOCUMENTATION WHEN DELETED ITEM WAS REINSERTED
• GOODWILL LETTER
• REQUEST FOR DEBT VERIFICATION - LETTER A
• No re-investigation
• Account is accurate
• We need more information
• Your account has been updated
• Creditors verified your accounts
• Collectors verified your accounts
• Bankruptcy has been verified as accurate
• Inquiries have been verified as legitimate
• Credit bureau failed to respond within 30 days
• Notice of response was not added within 30 days
• Multiple bureau violations
• Meets FCRA requirements
• Section 609 violation
• Refusing to remove fraudulent accounts
• Fighting the use of e-Oscar
• Independent investigation
• Inconsistent payment history but bureaus say accurate
• Collection agency has no record
• We do not understand the nature of your dispute
• Missing identification
• REQUEST FOR FREE CREDIT REPORT
• FAILURE TO RESPOND TO DELETION/CORRECTION LETTER
• FRIVOLOUS LETTER REJECTION
• CONSUMER STATEMENT FOR DISPUTED ITEMS FOLLOWING INVESTIGATION
• BANKRUPTCY ACCOUNTS NOT IDENTIFIED
• Delinquent Accounts - late payments
• Permissible Purpose Letter (Inquiries)
• REQUEST FOR INVESTIGATION PROCEDURES - LETTER B
• LETTER 1 CREDIT BUREAUS
• LETTER 2 CREDIT BUREAUS
• LETTER 5 CREDIT BUREAUS
• LETTER 6 CREDIT BUREAUS
• HOW WAS IT VERIFIED
• Collection Agency Fails to Validate Debt