Quick Tip #5 Include documentation.
One of the most effective things you can do is to include some type of enclosure with your dispute letter.
It can be a snippet, a screenshot, or a scanned/print out, or even a photocopy made from the library’s photocopy machine.
Including documentation to back up your dispute is powerfully persuasive and will help you get results with your first request.
- If your name or address is incorrect, include a copy of your photo ID or rent agreement or a billing statement to document your personal identifier.
- If you are disputing a late payment, include a copy of the cancelled check or a copy the bank statement showing the withdrawal to prove that you did make the payment on time.
- If you don’t recognize an account as being yours, then include a snippet or screenshot of that account (as it shows on the credit report). Write: “I don’t recognize this account as belonging to me. DELETE”
(I am aware this does not constitute hard proof of anything, but the credit pros are having more success by including a copy of the account rather than just typing the name and number in the letter.)
Always keep your original document!!! Send only copies.
Remember, anything that is not factual, correct, verifiable and verified, and fair must be deleted. Always follow the law and be truthful in your letters.
Next post, I will tell you how I saw a $10 junk fee on my bill, disputed it, and ended up getting a refund check for $209.70. You are welcome to subscribe. I post about once a week, twice at the most.