Lesson 3, Topic 1
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Round Two Dispute Letter Introduction

Brayan July 1, 2022
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Credit Bureau Round TWO
​​​​​​​Dispute Letter 

Wait 30 days to check your credit report again and for the credit bureaus to respond.

You will receive 3 different responses from all 3 bureaus.

Step One: 

30 days after you sent your first dispute letter analyze your credit report. Go through each report and make a note of what was removed from what bureau. This can be taken off your list of what to continue fighting to remove.You will need to look for the following: 

1. Deleted: The item was removed from the credit report.
2. Updated: The information you disputed has been updated. Please review the credit report on what part was updated.
​​​​​​​3. Verified: The item was verified and remains on the credit report.Sometimes it takes a couple of disputes to finally get it off.  

Step Two: 

Within 30 days you should receive  3 full credit reports once the credit bureaus sends their dispute acknowledgements to you in the mail. Make sure you save these for your records because it will show every item on your credit report with their dispute status. 

If the bureaus try to get you to dispute online or turn your responses “paperless”, DO NOT do this. Online disputing has a much smaller success rate.

Step Three: 

Step Three will vary depending on if the credit bureau has responded to you  within 30 days.