Tips on Following up Disputes

A lot of us cannot wait patiently. Most of us feel annoyed, irritable and even agitated when we are made to wait for something. This is especially true when we wait for something really important, like an essential document. We keep on looking at our watches and calendars, since we feel very eager to receive the document we have been waiting for. But what if the important paper did not arrive? How will you feel? Of course you will be frustrated and even furious for wasting your time on something that didn’t arrive.

The scenario above can be likened to waiting for a response to credit disputes. People, who have filed disputes over their erroneous free credit reports, wait too long before they receive responses from credit bureaus. The waiting period usually leaves them worried and anxious over their credit standing. After all an inaccurate credit information can affect their prospects of receiving low interest credit.

But the three credit report agencies can be very slow in investigating disputes. Since they handle so many complaints each day, most of them fail to respond on time. There may also be instances when these three credit report bureaus will not respond at all.

Because of this, consumers find themselves frustrated and agitated. They do not know if their claims were found valid or invalid. Others are clueless whether they should get bad credit repair advice or not. Some resort to costly yet unnecessary bad credit repair counseling, thinking that this can solve their problems. And worse, they all feel uncertain about their future credit prospects.

Still, if you want immediate action on your complaint, you can always send a dispute follow up letter. You have to make a clear and straightforward letter that will trigger the credit bureaus to work on your case. Let us enumerate tips that will help you in writing a credit dispute letter.

Tips in Writing a Follow up Letter

  1. Your letter must present you as a person well aware of his rights. It must mention the provisions of the Fair Credit Reporting Act regarding the obligation of a credit bureau to provide response to your dispute. Tell the credit bureau that its inaction on your case is a direct violation of federal laws. This will push the bureau to work on your case right away.
  2. Give the credit bureau the benefit of the doubt. It is possible that the credit bureau misplaced or neglected your letter. Credit bureaus may handle a lot of other dispute letters and other documents, like copies of free credit reports. So, give the credit bureau a second opportunity to respond to your case. Mention in your letter that you are willing to give them another chance to send you a written notice regarding the status of your dispute.
  3. Enumerate the documents you have enclosed in your follow up letter. You must explicitly mention in your letter the documents you have attached to it. These attachments should include a copy of your first letter of dispute, the proof of errors in your credit report, and other documents that support your claim.
  4. Use a courteous yet firm tone. Your letter must be use a courteous yet firm tone. Acknowledge that the credit bureau is still an authority when it comes to managing credit report disputes. But, you have to firmly state that you want the bureau to respect your rights as a consumer. Be firm in mentioning that should it fail to respond quickly, you will have to file a formal complaint against it.


About the Author:

Suzy Vanstrusen is a credit analyst and a writer on the website She has been providing consumers with tips and wise information about credit repair as well as helping you out more with your bad credit loans.  Copyright © 2011

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