Often the question is asked of me, should I REALLY send all of my letters certified?
It is always a good idea to send any official correspondence with creditors or collection agencies by certified mail. Make sure you request a return receipt. It can be a little pricey, so you will need to use your best judgment.
After sending your dispute, you need to allow the agency time to do their investigation. They will usually send you a letter indicating they are starting their dispute. If you do not receive this letter, you may have to send your letter again. Once your dispute is initiated, the agency should send you its completed investigation and response within 45 days.
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