What is the maximum number of diputes you would send in one letter to the CRA's? Would you CMRRR letters to the CRA's, or just do those for the CA's? I am finalizing my letters and looking for last minute advice. Thank you.
CMRRR to the CRAs or you can't prove the start of the 30 day dispute period; or that they even received the dispute at all. I've done one dispute per envelope, and I've done one letter which disputed as many tradelines as possible.
My first letter to each CRA is a " blanket " letter which disputes all negatives as " inaccurate, please delete ". All the rest of the letters are more focused, mentioning only a few accounts, because the accounts are generally verified at different times anyway. So when I start on a set of three reports I write three blanket letters.
Try and pinpoint certain inaccuracies such as date of status, date of initial delinquency, account status, balance history, etc., if in the event you need to litigate. Other than that, cover it all on your first dispute communication to the credit reporting agencies insofar as this series typically yields the highest number of deletions.
