In the State of Maryland, a Certificate of Merit was, until recently, issued to graduating high-school seniors who met certain academic requirements (such as completion of advanced courses and a cumulative GPA of 3.00); the statewide certificate has since been replaced by endorsements defined by each local school system.
Step Two. Tell the information provider (that is, the person, company, or organization that provides information about you to a credit reporting company), in writing, that you dispute an item in your credit report. Use this sample dispute letter. Include copies (NOT originals) of documents that support your position.
Wait 30 days. After you file your dispute, the bureau has 30 days to investigate the matter, and a dispute notation will show up on your report. The creditor will have this time to verify the information, and if they canât prove itâs accurate, the bureau will stop reporting it. When the bureau completes the investigation they will send you a written report covering what they found, and an updated copy of your credit report if it resulted in any change.