When doing credit repair, you can find all kinds of advice on how to send your letters. Many say that you MUST send every letter CMRRR. That is, Certified Mail, Return Receipt Requested. That cost about $4. For about $2 you can send it certified mail without delivery notification. You can still verify delivery online, they just don't send you a signed green card in the mail. For about $.40, you can send it out regular mail. You have no proof the letter was received using this method. So which one is right? That's a very important question because it alone determines the actual cost of your repair venture. For your initial disputes to both credit reporting agencies and furnishers, save the money and send it regular mail. If you have not received a reply in about two weeks, then follow it up with a certified letter (RRR not required) containing a copy of the original and a letter explaining when and why the original letter was sent in the first place. All other correspondence should be sent certified once you determine a bureau or furnisher is not going to cooperate. If they show signs of resistance you will need all the evidence you can compile against them to use as leverage later. RRR, return receipt requested, is almost never needed. You may want to use it if your letter is meant for a particular individual within an organization. Otherwise, it is a waste of money. |
