The CORRECT steps to follow when corresponding with creditors, debt collectors, or credit reporting agencies…

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1)      Write your DISPUTE letter, then sign it (Click here for sample)

2)      If you have their fax number and your fax machine will print a fax confirmation sheet fax your letter and all attachments print the fax confirmation sheet, and save for your file

3)      Make 2 copies of your signed letter, and 2 copies of any attachments

4)      Staple the original attachments to a copy of your letter, and save for your file

5)      Prepare 2 envelopes, properly addressed and with correct return address

6)      Staple the attachment copies to your original letter, and enclose in envelope #1

7)      Staple the attachment copies to your letter copy, and enclose in envelope #2

8)      Don’t put stamps on the envelopes

9)      Go to the post office

  • send letter #1 by certified mail with return-receipt requested
  • request and save for your file: 1)a dated/stamped cash receipt 2)a dated/stamped certified mail receipt 3) the return-receipt, it should arrive in the mail
  • send letter #2 by First Class mail with a “certificate of mailing” (proof that it was mailed)request and save for your file: 1)a dated/stamped cash receipt 2)a dated/stamped “certificate of mailing” (small extra fee)

10)  For each letter set you send, you will have as proof:

  • a copy of their letter, with its envelope [if any]
  • a copy of your signed letter
  • your attachments [if any]
  • fax confirmation sheet as proof of faxing [if you used fax]
  • dated/stamped cash receipts from post office
  • certified mail receipt
  • certificate of mailing for your 1st class letter
  • return-receipt, after it arrives in the mail

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