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Dispute Letter to the Bureau

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Richard
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Richard

Joined: 27 Jun 2006
Richard's page
Posts: 108



4499 Magic Points
Subject: Dispute Letter to the Bureau
 
 Posted on Fri Apr 04, 2008 10:40 am  
Your Full Name:
Your Permanent address:
Present contact number:

Name of CRA
Address of CRA

Dear CRA (Give the name here),

I would like to dispute the inaccurate information on my credit file. The item(s) have been listed below and a copy of the credit report has been attached with erroneous information circled in red.

    Creditor name, account number

    Description of item

    Item(s) and description of what you want to do with it (i.e. correct the item or remove the item) and provide with valid proof to support your claim.


With compliance to the FCRA, I would request you to investigate into the matter and update my credit report accordingly.

If your investigation validates the record on my file, please provide me with the explanation of the procedure of your investigation to determine the correctness of the item(s) within 15 days of your completion of the re-investigation, obligatory to the FCRA.

Please update the necessary changes and send me the copy of the updated credit report.

Thanks,
Sincerely,

Signature
Printed name

Enclosure: give the description of what has been enclosed with the letter.
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Last edited by Richard on Fri Apr 04, 2008 10:49 am
 
Richard
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Richard

Joined: 27 Jun 2006
Richard's page
Posts: 108



4499 Magic Points
 
 Posted on Fri Apr 04, 2008 10:41 am  
Hope this helps. This is the most required letter these days.
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goodnatured



Joined: 03 Nov 2007
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Posts: 2476



2725 Magic Points
 
 Posted on Fri Apr 04, 2008 6:20 pm  
Sure is a really good example, thank you for taking the time to put it out there for people to use. great job.
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Trying to become and stay debt free, thank you for all your help and support!
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 714



75 Magic Points
Subject: credit
 
 Posted on Sun Apr 06, 2008 1:05 pm  
If anyone would happen to know, would it be a good idea to send the Dispute Letter by Certified Mail, etc? How long is a 'reasonable' time to get a response?
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2476



2725 Magic Points
 
 Posted on Sun Apr 06, 2008 11:07 pm  
I would think that 30 days is a reasonable wait, I am not real sure what you would do after the 30 days but resend the letter and keep copies of everything so you have your proof in case something should arise later.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 714



75 Magic Points
Subject: cb
 
 Posted on Mon Apr 07, 2008 4:12 am  
Thanks for the response. It may seem like a lot of 'work' but, I'm sure it's ALL worth it.
 
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1409



34292 Magic Points
 
 Posted on Mon Apr 07, 2008 11:32 am  
Usually a dispute investigation happens within 30 days of their receipt of your letter. So accordingly you get replied.
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Regards,
Laura.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2476



2725 Magic Points
 
 Posted on Sun Apr 20, 2008 12:12 am  
I got mine back in a matter of two weeks they are pretty quick, especially if there is no changes made.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 1857



8785 Magic Points
 
 Posted on Mon Apr 21, 2008 1:00 am  
Wow goodnatured that was quick.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2476



2725 Magic Points
 
 Posted on Tue Apr 22, 2008 1:28 am  
Quick, with no results, I really wonder sometimes if they really look into things or not. I wish if they were going investigate they would give you the information that they have discovered and made the decision on. I think every piece of evidence they used to decide should be forwarded to you, after all it is your credit report, you should be privy to what is screwing it up, not just a straight answer, especially when it has a negative impact, and did not change the result.

There should be an appeal process to go along with this, what if you still disagree after the decision is made. If you still feel it is wrong, you should have another process to follow, like an independant investigation.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 1857



8785 Magic Points
 
 Posted on Wed Apr 23, 2008 8:43 pm  
I agree with you goodnatured. They should be required to send you a report from the investigation. So many things in the credit world doesn't seem fair or make sense.
 
Justin

Justin

Joined: 17 Jul 2006
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Posts: 232



6571 Magic Points
 
 Posted on Thu Apr 24, 2008 5:57 am  
I would attach evidences if available with me along with the letter to make the process faster. Hi good did you provide any proof e.g. bills etc. with your letter? Did you mention legal clauses in the letter? If no changes have been made there might be some drawbacks in the letter ( you can post the letter that you had sent, lets see if we can be of any help there).

Good luck Smile
_________________
Best Wishes
Justin
 
fireyone



Joined: 26 Feb 2008
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Posts: 1857



8785 Magic Points
 
 Posted on Sun Apr 27, 2008 12:59 am  
Good thinking Justin. I bet this would get good a lot farther in getting results. Hope she stops back in replies.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2476



2725 Magic Points
 
 Posted on Sun Apr 27, 2008 12:01 pm  
Most of my disputes have been online, so there is no room for dispute there, I probably should write a letter on paper, the old fashion way and attach the documents to it.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 1857



8785 Magic Points
 
 Posted on Mon May 05, 2008 10:30 pm  
Some times the old fashioned way is better and gets more results.
 
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