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Recognizing Credit Bureau Stall Tactics and Letters and What to Do About Them

When you are the victim of stalling and fear tactics from credit bureaus like the big three, the first thought in your mind at the time must be something like, “how are they able to get away with this?” “I sent the required documents, what are they talking about?” or “Why am I being ignored?”

Stalling tactics from credit bureaus such as the three that service the United States: Equifax, Experian, TransUnion, are various letters sent from the bureaus that are used in order to delay the investigation of disputes or to avoid them entirely. They are used to thin out investigation workloads.

To learn more about these tactics and what you should do, read below

What are Stall Tactic Letters for?

Credit bureaus receive countless disputes and requests for investigation on a daily basis. In order to thin out the workload and save money and manpower, there are legitimate criteria that they set each dispute against.

Other times, there are illegitimate methods they use simply to try to discourage their clients and force them to give up their case. They use it against individuals and credit repair companies alike in the hopes that either won’t bother to proceed with the legal investigation request.

What are All of The Credit Bureau Stall Tactics?

There are a number of ways the big three will attempt in order to avoid taking the time, money, and manpower to investigate your request but there are five common methods you, as the consumer, can expect in your mailbox.

Claiming Your Dispute is a Suspicious Request

Credit bureaus don’t like credit repair companies like Credit Boosta because of our persistence in protecting your legal rights.

If they suspect that a dispute actually comes from the credit repair company, or suspect you used a templated form, they will send a stalling letter making the claim that the dispute wasn’t from you.

You can expect this letter if you didn’t include verification of your ID or proof of address in your initial dispute letter.

Using the Frivolous Request Clause of the FCRA

It’s hard to imagine a credit bureau can basically say to you, “your request isn’t important enough,” but they can.

The Frivolous Request Clause is officially titled “section 611 of the Fair Credit Reporting Act,” and states that the bureau can refuse your reinvestigated dispute(s) if the disputed items are insignificant or irrelevant.

You can expect to see this letter if you haven’t provided enough information for the bureau to investigate the dispute, you tried to dispute more than 5 items a month, or the bureau just wants to abuse its authority in this matter.

Claiming Insufficient ID in the Dispute

The first stall tactic credit bureaus use is to claim they didn’t receive either your identification or address verification documents you sent them in your dispute letter. This may or may not be true, but the bureaus will send this letter either way if it has a chance of discouraging you from persisting in the dispute.

Ignoring Previously Verified Disputes

Once a dispute has been verified, the matter is closed as far as the bureaus are concerned. However, if you find the verification unsatisfactory or a complicated has occurred, and try to have it investigated a second time, it will often be refused.

Ignoring Your Dispute Entirely

Finally, as a last resort, or even a first one, the bureau may discourage you by making you believe your mail was lost or that it’s unimportant.

How to Recognize Stall Tactic Letters

You can recognize a suspicious request letter when it uses language like this example: “We have received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you… In an effort to safeguard your personal information from fraud, we will not be initiating any disputes based on the suspicious correspondence.”

An “Insufficient ID” letter you recognize with this language: “The identity and address verification documents you submitted are not acceptable, please choose from the options below and include one identity verification document and one address verification document.

Letters that try to refute a second investigation for a previous dispute will usually state the following: “The information you are disputing has previously been verified. If you have additional relevant information you would like to add, please send it; otherwise, we are unable to investigate further.”

Finally, you know you’re being ignored if you have sent the dispute and the required valid information several times with no reply.

What Can You Do About Credit Bureau Stall Tactics?

As a consumer, there’s nothing you can do against these tactics except persist. We know this sounds hopeless, but it really is more or less a contest between you and the bureau in conviction. When you have exhausted all of the bureau’s tactics, they may finally investigate your claim, but they may instead resort to trying to ignore you entirely.

How Can Credit Boosta Challenge Stall Tactics?

When you entrust Credit Boosta with your credit disputes and other matters that regard the restoration of your credit, you can rely on us to do everything in our power to see the process through.

We are very familiar with credit bureau scare tactics and have successfully assisted our clients against them many times. We also know the industry methods for pushing through them or getting around them that come with experience.

We start with getting to know you and your situation with a free consultation and personalized strategy. We maintain communication with you and arm you with useful resources so that you have the information you need to protect yourself legally. Then, we take your disputes and settle them on your behalf.


It’s difficult to dedicate the necessary time and efforts to educate oneself in the language of the Fair Credit Reporting Act. You don’t have to defend your rights on your own, and all the resources you could ever need, Credit Boosta has available to you. And with a money-back guarantee, you can contact us at or use our toll-free number of 1-833-496-4400.


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