Method of Verification Dispute Letter: What It Is and Why It Matters
After a bureau says an item is “verified,” you can request its description of the procedure and the furnisher it relied on under FCRA §611. Understand what that means and when it applies.
Whats the Method of Verification In (Plain English)
After a credit bureau finishes a dispute, it sends a result: deleted, corrected, or “verified.” The Method of Verification is your right—after that result—to ask the bureau to describe the procedure it used to decide the data is accurate and to identify the furnisher it relied on. This right comes from the Fair Credit Reporting Act, 15 U.S.C. §1681i(a)(6)(B)(iii) and §1681i(a)(7). In practice, MOV turns a one-word conclusion into an audit of what the bureau actually did. If the information is inaccurate, incomplete, or cannot be verified, the bureau must correct or remove it under §1681i(a)(5)(A). This page gives you a high-level explanation and a quick video—full step-by-step execution lives in the Method of Verification Masterclass & Letters Pack.
Watch: Method of Verification in 5 Minutes
This short video explains exactly what the Method of Verification is under the Fair Credit Reporting Act, why bureaus must provide a description of the procedure after they mark an item “verified,” and when that right applies.
If you need the complete step-by-step system and the companion letters, get the Method of Verification Masterclass & Letters Pack.
