If you're not getting any response to your dispute letter after 30 days from the credit bureau, download and use the follow up letter and request the credit bureau to reply you back as soon as possible.

Follow up letter to credit bureau

If you have not received any response from the credit bureau after initial contact, you should send a follow-up letter to the credit bureaus. Here is a sample of a follow-up letter:




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Dear ,

This is to formally notify that you have failed to respond to my dispute letter dated within 30 days after you have received the letter.

According to the Federal law, you are required to respond within 30 days after receiving the dispute letter; otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.

I understand that you may have misplaced my letters or may have overlooked my letter amidst the many other dispute letters that you receive daily. However, I am sure you will respond to my request and help me out as soon as possible.

I have enclosed a copy of my initial dispute letter, a copy of the return receipt that you had signed on, and copies of the required documents proving that the following information was inaccurately placed on my credit report:

[Insert the inaccurate information]

Please verify the above information and inform me at your earliest convenience.

Sincerely,

Your Signature_______________________

Your Name__________________________


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  • The debt settlement program typically lasts between 6 months to 4 years time.
  • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
  • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
  • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
  • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
  • Savings a customer realizes from use of a debt-relief service may be taxable income.
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