Who signs and sends the dispute letters?
This article aims to clear up any questions and common concerns around signing and sending dispute letters.
In this article, you will learn about:
To start, make sure you have the following:
Should my clients send the dispute letters themselves?
We don't recommend that, as it is more work for both you and the client. Instead, have your clients sign the Limited Power of Attorney through the Onboarding process.
Limited Power of Attorney
We now provide you with a Limited Power of Attorney (LPOA) template, which you can add to your onboarding tasks, ensuring a smooth experience collecting your client's signature for the LPOA and for you to sign letters on their behalf.
The LPOA allows you to have authorization on file before any letters go out.
Important Note: The LPOA template is provided as a general example and may not reflect all state-specific legal requirements. We do not provide legal advice. Laws and requirements regarding Powers of Attorney may vary by state and situation. We recommend consulting with a qualified attorney or legal professional to ensure this document meets your specific legal needs.
How do I add the Limited Power of Attorney step to my onboarding tasks?
Check the steps in the Enable and Customize Onboarding Tasks article:
What to include for a Round 1 letter?
These two should always be sent with each dispute, regardless of the round:
Photo ID (i.e., driver’s license)
Proof of address (i.e., utility bill or something official with your client’s name and address)
What other forms of ID and Proof of Address are acceptable?
Driver’s license
State ID card
Bank or Credit Union statement
Cancelled check
Government-issued ID card
Signed letter from a homeless shelter
Stamped Post Office Box receipt
Utility bill (water, gas, electric, or telephone)
Pay Stub
Numi (Numident record printout from the Social Security office)
State-issued IDs must be current with the current address listed if your client is using the ID as proof of address.
Should letters be sent using certified mail?
Many people do send these by Certified mail, but it's up to you. It's not required but does give an awesome paper trail.
What return address should be on the envelope?
The address on the envelope and the letter must be your client's address.
How will I know when report changes happen?
The credit bureaus and creditors will send their replies directly to your client. Ask your client to forward all correspondence to you so you can keep their records up to date.
Instead, if you have used the 1-Click Import feature for the given client, click here to learn how to import/reimport the reports to update your client's items.