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requirements (such as completion of advanced courses and a cumulative GPA of 3.00); the statewide certificate has since been replaced by endorsements defined by each local school system.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.
Send your letter by certified mail, âreturn receipt requested,â so you can document what the credit reporting company received. Keep copies of your dispute letter and enclosures. Credit reporting companies must investigate the items in question â usually within 30 days â unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information.