How many of us lament on how we would like to fix our poor credit. Or raise a bad credit score. But once it gets down to the nitty gritty of what it takes to get it done. Which is writing letters to our creditors or the collection agencies. We alll fold like a piece of paper and never take the time to sit down and write those letters to help out our credit situation. Fear not. I’ve done it for you. In this app are 3 templates of letters that can be used by anyone and sent to the collection agencies to begin the process of removing negative marks from your credit report.