🛠️ Customize Your Weapon

Select your strategy. Each tool is designed to destroy a specific threat. Pick wisely — and strike surgically.

🧾 609 Letter

Targets: Charge-offs, old collections, unverifiable accounts reported by bureaus.

Deploy

Targets: 3rd-party collectors. Use when not dealing with the original creditor.

Deploy

🎯 Target: [Recipient]
📬 Method: Send via Certified Mail with tracking (USPS Form 3800). Keep your receipt in a safe place — this is your legal ammo.
⏱ Countdown: Start your 30-day countdown once USPS shows “Delivered” in the tracking portal.
🧨 Next Strike: If no response in 30 days:
- Submit a CFPB complaint
- Attach a copy of this letter
- Include USPS proof of delivery
- Document all lack of bureau/collector action
⚠️ Reminder: Never email or fax these. Always use hard-copy certified mail for proof and compliance leverage.

Use this to determine which strike fits which threat type. Precision is power.

Threat Type	Recommended Strategy	When to Use	Send To
3rd Party Collection	📜 VOD Letter	Not the original lender. Challenge their authority to report. Demand full validation before they can legally furnish data.	Debt Collector (Furnisher)
Charge-Off (OC)	🧾 609 Letter	If they can’t provide your original signed contract, billing history, or source data. Often unverifiable once sold.	Credit Bureau
Incorrect Reporting	⚖️ CFPB Complaint	When bureau or furnisher violates FCRA or Metro 2 guidelines — like misdated, duplicated, or incomplete info.	Bureau and/or Furnisher
Late Payment	🙏 Goodwill Letter	For positive/paid accounts with isolated late marks. Use tactically with lenders you have good history with.	Original Creditor
Hard Inquiry	🧾 609 Letter or Permissible Purpose Challenge	If no account resulted or you didn’t authorize it. Force them to prove permissible purpose.	Credit Bureau (and optionally the inquirer)