A procedure request letter is a letter sent by you to the credit bureau asking for the details of verification regarding a disputed item on your credit report.

Why is this letter needed? The letter gets you the contact information of the person (phone number and address) at the creditor who verified the item in dispute. This is very helpful to have because you know exactly who to contact and will save time and hassle. It can be very frustrating trying to find the right person to talk to. This letter cuts out all that frustration.

The request has to be processed with fifteen days of receiving the request. So it is a quick turnaround. Once you have the information in the letter you can begin your defense. This letter is a critical tool to have if you are disputing anything on your credit report.