What this strategy examines
- Identify the exact information disputed and why
- Attach relevant, legible evidence without oversharing sensitive data
- Preserve delivery, receipt, response, and updated-report records
- Review investigation results before deciding whether escalation is warranted
The working process
- 01Confirm identity and the report source
Each step is documented so assumptions, responsibilities, and the next decision remain clear.
- 02Draft a specific factual statement
Each step is documented so assumptions, responsibilities, and the next decision remain clear.
- 03Send through an appropriate documented channel
Each step is documented so assumptions, responsibilities, and the next decision remain clear.
- 04Calendar response windows and compare results
Each step is documented so assumptions, responsibilities, and the next decision remain clear.
Questions people ask
How long do credit reporting agencies generally have to investigate?
The FCRA commonly provides a 30-day investigation period, with exceptions and extensions depending on circumstances.
What is a method-of-verification request?
It is a request for a description of the procedure used to determine the accuracy and completeness of disputed information under applicable FCRA provisions.
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