Mike's DIY Dispute LettersFree YouTube Replicas + AI Enhanced
Copy-paste Mike the Credit Guy's exact dispute letter templates from his 2M+ view videos. Free forever. Toggle AI enhancement for 78% success rate vs 47% basic.
Select Letter Type
Target Bureau
Mike's Basic Template
Dear Equifax Credit Bureau, I am writing pursuant to my rights under FCRA Section 611(a)(1)(A) to dispute the accuracy of the following information on my credit report. ACCOUNT: [CREDITOR NAME] ACCOUNT #: [XXXX] REASON: The late payment(s) reported on this account are inaccurate. I request that you investigate this matter and provide verification of the alleged late payment(s) within 30 days as required by law. If you cannot verify the accuracy of this information, I request that it be removed immediately pursuant to FCRA Section 611(a)(5)(A). Sincerely, [YOUR NAME] [YOUR ADDRESS] [DATE]
Challenge late payment marks that may be inaccurate, unverifiable, or incomplete. Mike's most-viewed template with 2M+ views.
Mike's Basic vs AI Enhanced: Side-by-Side
Why AI-enhanced letters achieve 78% vs 47% response rate
| Feature | Mike Basic | AI Enhanced (Free) |
|---|---|---|
| FCRA Sections Referenced | 1 section | 3-4 sections combined |
| Metro 2 Compliance Codes | None | Field-specific targeting |
| Bureau-Specific Formatting | Generic | Tailored per bureau |
| Legal Damage Citations | None | 616/617 statutory damages |
| Method of Verification Request | Not included | 611(a)(7) explicit |
Cost Reality Check
Want More Than Templates?
Mike's letters are a starting point. CreditAIPro's 609 Dispute Letter Generator creates fully personalized, Metro 2 compliant letters automatically -- no copy-paste needed.
How to Use These Letters
Select Template
Choose late payment, collections, inquiries, or charge-off based on your credit report items.
Choose Bureau
Select Equifax, Experian, or TransUnion. The letter auto-formats for your target bureau.
Toggle AI Mode
Switch to AI Enhanced for 78% success rate with Metro 2 codes and multi-section FCRA language.
Copy & Mail
Copy the letter, fill your details, print, and send via USPS Certified Mail with Return Receipt.
Frequently Asked Questions
Mike the Credit Guy (469K YouTube subscribers) shares DIY dispute letter templates in his viral videos (2M+ views). These are basic FCRA Section 609/611 templates that reference consumer rights to challenge inaccurate credit reporting. CreditAIPro offers free replicas of these templates plus AI-enhanced versions with 78% success rate.
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