Seen a disputed item on your credit report even after getting the verification response? Download the letter requesting debt re-verification and send it to the credit bureaus to expedite the process again.

Letter Requesting Debt Re-Verification

Are you troubled with a disputed item on your credit report? Is the item still appearing ona your credit report even after you have received a verified response from the credit bureaus? If that is bothering you, then you can send a letter to the credit bureaus to bring the disputed item to their notice. Here is a sample letter requesting for debt verification:




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Dear ,

I sent you a letter requesting that you remove inaccurate items from my credit report on [insert date of request]. But I am very disappointed to discover that the disputed information still exists on my report.

I demand a formal description of the procedure adopted by you to verify this claim. I would also like to know the names of the businesses, the addresses, and phone numbers of all the entities/people who were contacted during the verification process. Under the Fair Credit Reporting Act, I have the right to be informed about all these details.

It is disappointing to find that a credit bureau does not maintain accuracy norms, despite a consumer's request for information verification. I request that you comply with the law and furnish me with all the required information that I am seeking, within a period of 15 business days.

I am resubmitting my request to expedite the verification procedure and look forward to hearing from you.

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.