Credit Bureau Round Three Final Dispute Letter
(Warning Letter)
Use this template if the credit bureaus sent you a verification letter, responded to you, or “verified” an item without providing proof .
Step One:
Pull up your new credit report and analyze report.
Step Two:
Download the Credit Bureau Round Three Warning Letter to edit.
Credit Bureau Round Three Warning Letter
Step Three:
Copy and paste the exact same disputed account information on Credit Bureaus Dispute Letter One on this document.
Step Four (Optional):
If you used certified mail to send a ‘Credit Bureaus Round Three Dispute Letter (Re-investigation)’ state the date you sent the letter.
Step Five:
When you are finished inputting your accounts fill in your contact information (highlighted area). Delete the “wet signature after printing” and “print then sign” wording, so when you print the documents you can physically sign the document. Do not print yet.
Step Six:
Print document
Step Seven:
Place documents in an envelope.
Step Eight:
Send the Credit Bureau Round Three Final Dispute Letter (Re-investigation) to each credit bureau.
Don’t forget to open the document and edit the top left corner with your information and the credit bureaus information (highlighted area).
Step Nine:
Drop off mail at the post office with a stamp or certified mail (recommended) and save a receipt for proof.
Step Eleven:
Mark in your calendar to check and see if the credit bureaus have responded. Wait 30 days for a response.
Due to COVID-19 credit bureaus have 45 days to respond.
They may avoid letters that are not sent by certified mail!
You must continue doing this step consistently each month until your credit report is 100% accurate. If the Credit Bureaus are being very stubborn and you would like to go beyond the Credit Bureaus you can dispute the creditors (Recommended).