Guides
Treatment plans for your credit
Step-by-step guides with letter templates you can copy and send yourself.
- How long can a debt collector come after you?How the statute of limitations on debt works, how it differs from how long a debt stays on your credit report, and what to do if a collector contacts you about old debt.Read the guide
- Pay for delete letter: how it works and a free templateWhat a pay for delete letter is, whether collectors agree to it, a free template, and the steps to take before you pay a collection account.Read the guide
- What is a 609 letter?A 609 letter asks a credit bureau for the information in your file. Here's what Section 609 actually says, the myths around it, and a free template.Read the guide