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  • Dispute Letter

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    tiffanyae
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    This document provides instructions for disputing inaccurate information on credit reports from the three major credit bureaus. The summary is: 1) Letters disputing credit report items should be sent separately to each bureau and sent via certified mail for verification of delivery. 2) Letters can be notarized for authentication but it is not required. Identification like a driver's license or utility bill should be included. 3) Dispute no more than 22 items at a time to avoid the disputes being deemed frivolous. Personal information should replace placeholders in dispute letter templates. 4) Records of all correspondence should be kept and the process followed thoroughly even if initial disputes are denied to fully address credit report inaccuracies.

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    Dispute letter

    Original Title

    DISPUTE LETTER

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    This document provides instructions for disputing inaccurate information on credit reports from the three major credit bureaus. The summary is: 1) Letters disputing credit report items should be sent separately to each bureau and sent via certified mail for verification of delivery. 2) Letters can be notarized for authentication but it is not required. Identification like a driver's license or utility bill should be included. 3) Dispute no more than 22 items at a time to avoid the disputes being deemed frivolous. Personal information should replace placeholders in dispute letter templates. 4) Records of all correspondence should be kept and the process followed thoroughly even if initial disputes are denied to fully address credit report inaccuracies.

    Copyright:

    © All Rights Reserved
    Download as TXT, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    14 views1 page

    Dispute Letter

    Uploaded by

    tiffanyae
    This document provides instructions for disputing inaccurate information on credit reports from the three major credit bureaus. The summary is: 1) Letters disputing credit report items should be sent separately to each bureau and sent via certified mail for verification of delivery. 2) Letters can be notarized for authentication but it is not required. Identification like a driver's license or utility bill should be included. 3) Dispute no more than 22 items at a time to avoid the disputes being deemed frivolous. Personal information should replace placeholders in dispute letter templates. 4) Records of all correspondence should be kept and the process followed thoroughly even if initial disputes are denied to fully address credit report inaccuracies.

    Copyright:

    © All Rights Reserved
    Download as TXT, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 1

    DISPUTE LETTER INSTRUCTIONS

    Each leter is to be duplicated three (3) times addressed separately to each of the
    three main
    credit bureaus (Equifax, Experian, TransUnion).
    Itis highly recommended that you send these leters via "Certiied Return Receipt".
    Each letter has a place for a notary to notarze your letter. This is not essential
    but can be
    helpful. Most iocal banks offer tree notary services to their customers. Do not
    sign the leter until
    you are in the presence of the notary public.
    Include a copy oftwo forms ofID when sending dispute letters. Proper forms ofID are
    listed
    below.
    Dniver's License
    State ID Card
    Bank or Credit Union Statement (not electronic)
    Cancelled Check
    Govemment Issued ID
    Signed Letter trom Homeless Shelter
    Stamped Post Ofice Box Receipt
    Utlty Bils (Water, Gas, Electric, or Telephone)
    Pay Stub
    Itis EXTREMELY IMPORTANTto send the correct forms ofID.If they are not sent, the
    bureaus
    willignore your requests or reply with a request for you t send the corect
    information. Either ot
    these willincrease the time needed to get you back on the right road to the best
    possible creait
    for your situation.
    DO NOT dispute more tnan 22 derogatory tems at one time, otherwise the credit
    bureaus might
    mark your disputes as frivolous.
    In the dispute templates, replace the bold red content with your personal
    information.
    Keep good records. Date and record everything you send and everything you receive.
    Do not gve upor get scared in the process. Regardless of what the credit bureau
    sends you, t
    the derogatory tem is not removed trom your report. proceed with the next letter.
    Go through ALL of the tralining videos so that you fully understand the process and
    how to
    improve your credit score.

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