Credit Decoded Starter Kit— 10 Dispute Letters + 30-Day Plan (Free)

Credit reports have errors. Collectors don't always validate the debts they're collecting. Identity theft happens. The good news: you have legal rights to dispute and remove inaccurate information from your credit report — in both the United States and Canada.

This Starter Kit gives you the templates and the timeline.

WHAT'S INSIDE

— 5 US dispute letter templates (FCRA + FDCPA-based): inaccurate item dispute, debt validation, cease-and-desist, pay-for-delete, and identity theft

— 5 Canadian dispute letter templates (PIPEDA + provincial law): credit report dispute, debt validation, cease contact notice, pay-for-delete, and identity theft

— A plain-English explainer of how credit reports work in each country, including how to pull your reports for free

— A 30-day action plan that takes you from "I just downloaded this" to "I have action in motion"

— A resource page with every regulator URL and phone number you need (CFPB, FTC, OPC, FCAC, Canadian Anti-Fraud Centre, provincial offices)

— Full legal references for every law cited in the kit

WHO IT'S FOR

People with errors on their credit report. Anyone being contacted by collectors about a debt that looks wrong. People recovering from identity theft. Anyone trying to understand their rights under FCRA, FDCPA, or PIPEDA before paying for credit repair services.

WHO IT ISN'T FOR

This kit is educational content. It is not legal advice, financial advice, or a substitute for guidance from a licensed attorney or financial advisor. Laws vary by state, province, debt type, and personal situation. Verify the current law for your jurisdiction before sending any letter or taking action.

DELIVERY

Instant download as a PDF. After checkout you'll get a link to download the file. The full Starter Kit is yours to keep.

Published by Credit Decoded, a Snaz Consulting Inc. brand.