Dispute Letter Vault - 150+ Letters

Stop wasting time trying to figure out what to say in your disputes. This powerful bundle gives you access to over 150 pre-written dispute letters, covering just about every credit scenario you can think of—late payments, charge-offs, collections, inquiries, identity theft, repossessions, and more.

Each letter is crafted to be professional, legally grounded, and easy to customize with your own details. Whether you’re just starting your credit repair journey or already deep into it, this resource puts the right words at your fingertips so you can confidently challenge inaccurate or unfair reporting.

✅ 150+ dispute letters for all major scenarios

✅ Simple plug-and-play starting point for your letters (just add your info & change a few words)

✅ Save hours of research and writing

✅ Increase your chances of effective results

+ tip: get our Restoration Guide to see our tips about how to increase your chances of getting a response!

✨ Lifetime Updates Included. Anytime new letters are added or old ones get refreshed, you’ll automatically have the updated bundle—no extra charge.

⚠️ Important Note on E-Oscar: The credit bureaus use an automated system called E-Oscar that recognizes patterns in dispute letters. If the same letter is submitted repeatedly, it may lose effectiveness. That’s why it’s best to switch up some of the words, flow, or structure when using these templates. Think of these letters as your foundation—you can always add your own voice for even stronger results.
Please also note: some letters might get results on the first try, some might take a few tries. The average report takes about 6-8months of disputing. Remember, it took months to screw it up and it'll take a few more to fix it. Don't give up! You can do it! Clients only end up becoming my clients because they don't have time or forget to send letters, so please know that it's not that you can't do it, it's just that this process takes time and consistency. If you are just over this and would like to pay for the convenience of having us do it for you, you can visit https://consumehercollective.com/pages/free-audit and follow the 3 simple steps for us to check out your report and hop on a call with you!