Dispute & Resolve Collections — DIY Kit (2025 Edition)

A practical DIY toolkit for disputing and resolving inaccurate or unverifiable collection items on U.S. credit reports. Includes ready-to-use, editable dispute & verification letters, negotiation scripts, a one-page decision tree to guide next steps, and a tracker to record responses and deadlines.

What’s included

• Complete manual (PDF) — step-by-step process

• Editable letter templates (DOCX / RTF)

• One-page decision tree + tracker spreadsheet

• 1-page Quickstart: “What Not to Do”

Who it’s for
Best for U.S. consumers with 1–3 collection items who want a structured, do-it-yourself approach before hiring a third party.