Credit Bureau Round Two
Dispute Letter
(Reinvestigation)
Use this template if the credit bureaus sent you a verification letter, responded to you, or “verified” an item without providing proof .
The previous letter you sent out was asking the credit bureaus to verify your information. This letter asks how the credit bureaus verify your information. The only proof of verification is a document with your physical signature.
Step One:
Pull out your credit report and highlight all of your negative items that you would like to investigate/dispute.
Step Two:
Download the Credit Bureau Dispute Letter Two (Reinvestigation) to edit.
Credit Bureaus Dispute Letter Two (Reinvestigation)
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 ‘Credit Bureaus Dispute Letter One’ 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 Seven:
Print document
Step Eight:
Place documents in envelope.
Step Nine:
Send the Dispute Letter Two Letter (Reinvestigation ) to each credit bureau that responded to you.
Don’t forget to edit the top left corner with your information and the credit bureaus information (highlighted area).
Step Ten:
Drop off mail at post office with stamp or certified mail (recommended) and save receipt for proof.
Step Eleven:
Mark in your calendar to check and see if the credit bureaus have responded. Wait 30 days for response.
Due to COVID-19 credit bureaus have 45 days to respond.
They may avoid letters that are not sent by certified mail!