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the law. Also, the forms are not specific and they are not 
taken as seriously by the credit bureau checkers. Prepare 
your disputes on your personal computer, preferably on 
personal stationery. You should send an original copy of 
your credit report with the dispute letter. You may now mark 
the original report to make it easier for the checker to see 
any inconsistencies, inaccuracies, or notes. Remember not to 
verify any severely negative listings by correcting minor 
information on the listing. Make sure all your personal 
information is either on the credit report accompanying your 
dispute, or on the dispute letter itself. This important 
information includes: your full name, date of birth, current 
address, and social security number.  
As you draft your dispute letters, remember that the checker 
is only interested in investigating disputes from consumers 
who have totally inaccurate credit reports due to credit 
bureau errors and that those consumers represent a threat to 
the credit bureau. Sending your Disputes When you mail your 
dispute, you should include the original copy of the credit 
report with your dispute letter. You will be amused to note 
that the credit bureaus take space in their literature to 
convince you that your credit cannot be "repaired." In TRW's 
words, "No one can have accurate, current, and verifiable 
information removed from your credit report." Take note that 
even TRW admits that accurate information can be removed if 
it is not verifiable. You must send your dispute letters via 
certified mail, return receipt requested. This means you 
must go to a post office to mail every dispute. Certified 
mail, return receipt requested, will cost more than a dollar 
extra, but it will demonstrate that you are serious about 
your correspondence. Without certified mail, return receipt 
requested, you would have no record of the credit bureau 
receiving your letter nor the date they received it. When 
you receive the return receipt in the mail, make sure to 
staple it to your copy of the original dispute in your file. 
Don't hold disputes until you have a full set of credit 
reports. Send each dispute as soon as it is ready, as long 
as it is 90 days after your last dispute to the credit 
bureau.  
Getting a Response You will receive one of eight types of 
response to your dispute:  
1.No response at all. 
2.A stall letter asking for more information. 
3.A rejection based on the timing of your dispute. 
4.A rejection letter on the grounds that the dispute is 
"frivolous or irrelevant."  
5.A rejection based on the grounds that the credit bureau 
believes you are manipulating the system.  
6.A letter announcing that your investigation has begun. 
7.A letter announcing that your dispute has been forwarded 
to the appropriate credit bureau.  
8.A new credit report showing the results of an 
investigation.  
Don't be discouraged if you receive multiple stalls or 
rejections. Remember, restoring your credit isn't easy. If 
you decided to restore your own credit, you knew from this 
text that you would encounter delays. Each case requires a 
different response. However, you should remember this rule 
of thumb: the credit bureau is a bureaucracy; you shouldn't 
expect the credit bureau to react as though it were an 
individual. There is no single person handling your case. If 
you type out a ferocious counter-letter in response to the 
credit bureau's rejection or stall, the credit bureau 
employee who receives it will have little idea why you are 
fuming.  
Usually, it is better to simply write the dispute again. 
Here are some guidelines to reacting to the eight types of 
credit bureau responses:  
1. No response at all: 52 days after you sent your dispute, 
if you haven't heard anything from the credit bureau, you 
may assume that your dispute was ignored. There is really 
little you can do except to document the lapse and draft 
another dispute. This dispute should mention the previous 
ignored dispute as well as certified mail number of that 
dispute. The new dispute should be more threatening than the 
first.  
2. A stall letter asking for more information: Often, if 
your dispute alleged that someone else's file was merged 
with your own, the credit bureau will send this type of 
stall. A new dispute should be drafted basically repeating 
the first dispute (but doesn't allege that your file was 
merged) and includes all information requested by the credit 
bureau response. You may remind the bureau that this 
information was previously included in the credit report 
that accompanied the first dispute. This second letter 
should be more threatening than the first dispute.  
3. A rejection based on the timing of the dispute: If you 
sent a dispute before 90 days after your last dispute, you 
will likely earn this response. Also, if the credit bureau 
sees that you have sent in many disputes, they may choose to 
brush you off with this rejection. You must respond by 
becoming more demanding. If they had finished the job 
properly with the first dispute, you wouldn't be forced to 
dispute the listings again! Send another dispute, much like 
the first, and insist on immediate action.  
4. A rejection based on the grounds the dispute is 
"frivolous or irrelevant." This type of response would 
infuriate any consumer. Maybe the bureau thinks you are 
working with a credit repair company, or maybe they think 
that you will not stand up to an initial rejection, and they 
may even ask you to pay for their investigation. You must 
prove them wrong by becoming even more insistent and 
threatening in your disputes. Send the same dispute over 
again with some additional substantiation.  
5. A rejection on the grounds that the credit bureau 
believes you are manipulating the system: The rejection 
letter may imply that you are working with a credit repair 
company, or that you are unduly barraging them with 
disputes. As a consumer who has been treated unfairly, these 
are not your problems. Insist, in another dispute, that the 
credit bureau is responsible for conducting the 
investigation and they are taking a very unwise risk in 
rejecting your dispute. All you want is your credit report 
properly corrected.  
6. A letter announcing that an investigation has begun. 
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