Use these First Follow UP Letters for your initial follow up when your credit bureau fails to respond to your written request for them to correct disputed errors on their report. Federal Law requires they respond to you within 30 days. If they fail to do so, the First Follow Up Letter is the one you should use as you work to improve your credit rating.
When this initial follow up is used, errors can be corrected without going any further. Often there will just an oversight, or a document got misplaced on the creditors end and they will address it immediately. Although, this does not mean using this form will solve all credit errors. This letter should only be used when the initial credit error request was not successful.
Follow Up Credit Repair Letters
Use These First Follow Up Letters
- Individual Experian Accounts: Individual Experian First Follow Up Letter
- Individual TransUnion Accounts: Individual TransUnion First Follow Up Letter
- Individual Equifax Accounts: Individual Equifax First Follow Up Letter
- Joint Experian Accounts: Joint Experian First Follow Up Letter
- Joint TransUnion Accounts: Joint TransUnion First Follow Up Letter
- Joint Equifax Accounts: Joint Equifax First Follow Up Letter
Sample First Follow Up Letter
[City, State Zip]
[Credit Bureau Address]
[City, State Zip]
RE: Dispute Letter of [Date you sent in first request]
Dear: [Credit Bureau],
This letter is formal notice that you have failed to respond to my dispute letter of [insert date]. I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on [insert date].
As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, that failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I’m sure you’ll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records.
The following information therefore needs to be verified and deleted from the report as soon as possible:
[Insert everything behind the RE: from initial letter]
Please delete this erroneous item from my credit report as soon as possible.
[Your name typed]