Method-of-verification posts
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Method of Verification (MOV) Request — FCRA §611(a)(7) Explained
When a §611 dispute comes back "verified" you can ask the bureau exactly how the item was verified — under FCRA §611(a)(7), they must disclose the business name and address of the furnisher contacted, plus the description of the procedure used. The MOV request often exposes weak or automated verifications.
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Method of Verification Letter Template (FCRA §611(a)(7))
After a §611 dispute comes back "verified," the MOV letter forces the credit bureau to disclose exactly how they verified — the furnisher name, address, telephone number, and the procedure used. Bureau has 15 days to respond under §611(a)(7).
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