How to write a Second Dispute letter to a Credit Bureau
If you've sent out an initial dispute letter and haven't heard back, you should consider writing a second dispute letter. With each citizen having an individual credit score, the major credit bureau's receive thousands of dispute letter every month. This is why your dispute letter can get lost. If you have not been contacted within 30 days, you should send a follow-up letter to ensure your dispute is handled.
What to Include in a Dispute Letter
In your second letter to a credit bureau include a copy of your original letter. If your letter was sent by certified mail, be sure to include a record that your letter was received. Under the FCRA, the credit bureau's have 30 days to resolve your dispute.
Writing a Second Dispute Letter to a Credit Bureau
Your follow up letter, like your original, can be typed or handwritten. It should be in a formal layout with the date at the top. Two spaces down from the date you should include your personal information -i.e., Name, Social Security Number, Email Address, Phone Number, and your Mailing Address. Two spaces under your information, include the bureau's name directly beneath that the bureau's address. Under that give a subject for example, “RE: Dispute Letter of (date of the first request)”
To open your letter a salutation like “To whom it may concern,” is great, because you do not know the individual who will be opening your letter.
The body of the letter is what is important to make sure your dispute gets handled. If you follow example letters too closely your letter can be thrown out with spam, so make sure to change it in a personal way. Clarify that the letter is a formal notice that the bureau has not responded within 30 days since they received your letter. Point out that it is the federal law to take action or contact you within thirty days. Make clear that the bureau is in violation of the “Fair Credit Reporting Act” and that you have documentation to prove that. You should also make a point to say that it is possible they lost or misplaced the letter. In that case, you can request they now handle the dispute with the attached original letter. Also, repeat the incorrect items in the letter.
“Sincerely “ is a fine closing salutation with your signature and printed name.
Here is a complete follow-up dispute letter example for you to use. Start Letter:
(your phone number)
(your SS number)
(your file number if appropriate)
To Whom it may Concern,
This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. I have included in this letter a receipt proving my original letter was received on (insert date).
One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days.
The initial thirty days for this dispute to be handled is passed. I have records showing my contact with you. I am requesting that my dispute is handled immediately and that the following inaccurate items from my original request be removed.
(insert items in question)
Please see that this dispute handled AS SOON AS POSSIBLE
Your Printed Name
Remember following any letter example too closely can get your letter tossed out for spam.
What to Expect
After 30 days of receiving your dispute, the credit bureau will contact you with the results of your disputes and how they are changed. You will be contacted based on the method you signed in with. If you are disputing by mail, they will likely contact you in a letter.
Alternative ways of fixing your credit
If these things do not work or you don’t have the time or energy to dispute your credit, hiring a professional will be the best way to fix it.