Below is an example of a Method of Verification sample letter, or MOV Letter. Please use this method of verification sample letter when using the method of verification process for removal. Just cut and paste the information below, and replace it with your information. You can find information and addresses for the credit reporting agencies at this link on our site! You will want to send this letter certified if you can afford to, but it is not required.
DOWNLOAD: Word Template File for MOV Letter
Success with the Method of Verification
Please note, this tactic does not always work, or is not always the first option. You should take a look at our Ultimate Guide to Credit Repair (new in 2022) to see which approach is most applicable for which account. Understand that the Method of Verification process is for collection accounts only. This should not be used for original creditors, current creditors, or late payments on any card.
I go over the whole process in this post. There is plenty to know about how this process is time barred and determined by the FCRA, so you should really take time to understand the entire process before proceeding with this process.
Understanding the FCRA Language Around the MOV Process
While sample letters will provide the nuts and bolts, understanding what the process actually does and requires is important.
FCRA 611(a)(6)(B(iii) provides that a consumer may request:
“a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in con-nection with such information and the telephone number of such furnisher, if reasonably available.”
FCRA 611(a)(7) provides:
“ A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description. “
[Credit Bureau Name]
[Credit Bureau Address]
[Date of Letter]
Dear [Credit Bureau Name],
I am writing to request information regarding the dispute I filed on [Date of Dispute] regarding the item on my credit report from [Company which is listing the account]. I received the results of the investigation on [Date of Dispute], stating that the account had been verified.
According to the Fair Credit Reporting Act, section 611(a)(7), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the provider of the information, as well as the telephone number of the provider if it is reasonably available.
I would appreciate it if you could mail this information to me at the following address:
[Your Name] [Your Address]
Thank you for your assistance.
Sincerely, [Your Name]
DOWNLOAD: Word Template File for MOV Letter
This article was last updated on December 27, 2022