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Which dispute letter do I choose?
Which dispute letter do I choose?
Updated over a week ago

When starting the credit repair process for your clients, you will begin with a Round 1 letter in most cases. This is by far the most widely used and effective letter to use to go after the low-hanging fruit, and again should be your very first move when going after items on a credit report. Which letter to send for Round 2, 3, 4, and higher depends on the client's particular situation and how the credit bureaus respond to the Round 1 letter.

In this article, you will learn about:

To start, make sure you have the following:

Using the Letter Finder Tool (Guided Mode) for Round 2 and other letters

For Round 2 (and higher), there are over 100 letters you can choose from. As mentioned above, the letter selection depends on the client’s specific scenario and the bureau’s response to the Round 1 letter. You can also try our Letter Finder Tool to find the best letter to use.

Important Note

Access to Round 2 or higher letters when using the Letter Finder tool is limited to paid accounts. Trial accounts don’t have access to Round 2 or higher letters in the Letter Finder tool.

  1. Click on Clients


  2. Click on your client’s name to open the client dashboard

  3. Click on Run Dispute Wizard


  4. Select Round 2 or Higher


  5. Under Letter Recipient select Credit Bureau or Creditor/Furnisher Reporting the Item


  6. Click on + Add Saved Pending Items


  7. Select the item(s) to include in your letter


  8. Click on Add to Dispute

  9. Click on Save and Continue


  10. Click on Use Letter Finder


    Instead, if you want to choose a letter from the library (Expert Mode), please click here to read the instructions for that method.

  11. Answer a few questions to determine what is the appropriate letter to send


    The first question is:

    What is your goal?

    a) Remove or Change Credit Report Information
    b) Stop Harassment or Collection Activity
    c) I have a special request

    The following questions will vary depending on your answers. Once our Letter Finder has enough information, it will recommend you a letter.

  12. Click on Use Letter or Preview this Letter


    You can also click on Back if the recommended letter doesn’t work for your client’s scenario.

  13. Click on Continue


  14. Click on Next: Generate Letter


  15. Make any last-minute changes in the Letter Editor

  16. Click on Save & Continue To Print

  17. Fill out the Save Letter form as needed

    Doing this will allow you to use the same letter template for another client.

  18. Click on Save All X letters

    The button may show a different number depending on how many letters are being saved.

    At this point, you can either send the letter through CloudMail or print it locally.

Get the 5 dispute letter templates every Credit Hero needs FREE!

  1. Enter your name and email address to receive all 5 letter templates for FREE!

Free Basic Disputing Course

We are offering a Basic Disputing Course for FREE inside our 14-day Credit Hero Challenge. In this challenge, we’ll walk you by the hand to run your very own credit repair business in just a couple of weeks, AND for less than it costs to bring your family to McDonald’s.

The best way to speed up the process and truly understand the nuances of which letters to send is to take our Basic Disputing Course. You and your staff will learn everything you need to handle the first 8 rounds of credit repair at a minimum.

To join the challenge and get the Basic Disputing certification course for free, go to

Can the letters be modified?

Yes, absolutely! You can modify all the master letter templates in the Library, but you may want to hold off on that until you know your way around the software. Changing the letters will not make them any more successful. They are intentionally simple, and simple is best. Adding legalese to them is not recommended because then the letters won't seem like they're coming from your client anymore, and that's the whole point.

Can a letter be modified just for one client?

Yes! When you're working in the Dispute Wizard, the very last step is the Letter Editor. In this step, you can type any last-minute text to customize your letter on the fly (before you save and print or send it with CloudMail).

What you can do now:

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