The Anatomy of Dispute Letters

There are several things you want to insure are included in every dispute letter you send.  Make sure every dispute letter contains the accurate spelling of the client’s first and last name.  You should also include their social security number and current home address.

The credit bureaus won’t dispute unless they can verify the consumer who the dispute is for.  Their social security number is the main way the bureaus link their disputes to their credit report.  This means you must clearly identify the client in their letter, with their social security number as well as their name and address.

The credit bureaus may also require you to supply supporting documentation verifying their identity.  They may want to see your client’s Driver’s License and Social Security Card.  

If your client doesn’t have a driver’s license, you can include another legal form of ID.  Other forms of ID include a passport or state ID.  If your clients don’t have a Social Security card, provide another form of ID with their social security number on it.

In many cases your clients can use a pay-stub or W2 form which have both their name and social security number on them.  

You should also include the account name and account number on the dispute letter.  List the creditor’s name and the account number they are reporting to the credit bureau.  Sometimes creditors report separate account numbers to each bureau.  Look at each account number for each credit bureau you are disputing.  Make sure you have that creditor’s account number correct on your dispute letter.

Include these items with your dispute to have the best results.  And remember, it’s the REASON for the dispute that the bureaus and their computers will mainly look at to process your disputes, so insure you are clear about your reason for the dispute.  

Don’t want to create dispute letters? Keep in mind, DisputeSuite has an outstanding processing department that can create, print and mail the letters for you, on behalf of your clients. Call 727-842-9999 for more details.

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