Sending Your Dispute Letter

There is no need to wait on sending your disputes. Send them as you get them done, provided that at least 90 days have passed since your last dispute to the bureau. Include original copies of the respective credit report with your letter.

We recommend you mail your letters as certified mail, return receipt requested. It will cost more than regular mail and requires a trip to your local post office, but it is the only way you can confirm receipt of the letter by the bureau. Besides, it demonstrates that you are serious about the matter. When you receive your return receipt, be sure to staple it to your copy of the original dispute in your file.