How to Follow Up on a CBR Check

An inaccurate item on your credit report can have a negative effect on both your score and your efforts to obtain credit. When a credit bureau report, or CBR, comes back with erroneous information, you have the right to dispute said data. The Federal Trade Commission states under the Fair Credit Reporting Act that such disputes must be addressed within 30 days. If you do not receive a response in that window, follow up by mail or by phone. Wait at least 30 days after submitting your dispute before following up.

Instructions

With a Letter

1

Insert the current date at the top of the letter.

2

Begin the letter with a statement that you have tried to contact the credit bureau but have not received a response. Explain the details of the initial letter, including the date and content of the request.

3

Inform the credit bureau that it is in violation of the FTC regulation stating you must receive a response within 30 days of inquiry.

4

State that you are enclosing a copy of your original request. Sign the letter.

5

Provide clear instructions on the manner and location in which the bureau can send the information.

6

Make a copy of the letter for your records. Mail the original along with a copy of your initial request.

By Phone

7

Call the credit bureau. The number is listed at the end of your report. If you can't find the number, look on the bureau's website (see Resources).

8

Follow the automated prompts until you reach the department that handles credit checks. Choose the option to speak to a live operator.

9

Request the person whom you spoke with previously. If this is your first call, or if you did not retain the information, request someone who handles disputes.

10

Ask about the status of the credit check. Explain the details of the disputed item and ask whether it has been cleared. Request an updated property of your credit bureau report.