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The Federal Fair Credit Reporting Act requires the credit bureaus to respond to all written disputes. The credit bureaus will sometimes attempt to stall your credit repair using the following ploys:

1. They may send you a form letter or other computer-generated document stating that they are investigating your dispute even though they are not. The best tactic you can use in return is to simply ignore this correspondence, and proceed to the next step in the process.

2. They send you a form letter stating your dispute was vague or incomplete, and therefore did not warrant investigation or any action on their part. Follow the form and content (but don't copy exactly) the sample letters included in this manual, and you will be going a long way in heading off this stalling ploy.

3. They send you a form letter stating they have investigated your dispute(s), when they really have not, and their information is correct. Ignore this letter and continue the dispute process. Use Demand Letter 1 or Demand Letter 2, whichever is appropriate for the situation.

4. They simply don't answer at all. Here's why it's important to send all your communications to the credit bureaus by certified mail. Wait 45 days. Let their silence work against them. Then send the "Time's Up" letter to the specific credit bureau, plus copies of all correspondence to the Federal Trade Commission.

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