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Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request deletion or correction. You may want to enclose a copy of your free credit Mankato report with the items in question circled. Your letter may look something like the sample below. Send your letter by certified mail, return receipt requested, so you can document what the CRA received. consumer free credit report Keep copies of your dispute letter and enclosures. CRAs must reinvestigate the items in question--usually within 30 days--unless they consider your dispute frivolous. They also must forward free credit Mankato all relevant data you provide about the dispute to the information provider. After the information provider free credit Mankato receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report the results to the CRA. how to get free credit report online If the information provider finds the disputed information to free credit Mankato be inaccurate, it must notify all nationwide CRAs so they can correct this information in your file. l Disputed free credit Mankato information that cannot be verified must be deleted from your file. When the reinvestigation is complete, the CRA must give you the written results and a free copy of your report if the dispute results in a change. If an item is changed or removed, the CRA cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the CRA gives you a written notice that includes the name, address, and phone number of the provider. free credit repot