Day 50: Method of Verification (MOV) Requests for Surviving Items

By Day 50, you’ve usually disputed, re-audited, escalated, and documented a lot. If some negative items still remain—and the credit bureaus have told you they “verified” those items—many consumers choose to send a **Method of Verification (MOV)** request.

An MOV request is essentially you asking:

• How exactly did you investigate my dispute?
• Who did you contact?
• What documents did you review?

This article explains how people structure Day 50 as an MOV-focused step, once they have the right groundwork in place.

Step 1: Make Sure You’re Eligible to Send an MOV

Before sending a Method of Verification request, most consumers confirm two key facts:

1. The bureau has already completed a formal reinvestigation of your dispute; and
2. You have received a written “Results of Investigation” (or similar) letter that says specific items were “verified,” “remains,” or similar wording.

If you never received an investigation result letter, or if the bureau hasn’t yet responded to your last dispute, many people wait until they have that response before sending an MOV demand.

Step 2: Build a Small, Focused MOV Packet

MOV requests are usually short. The packet many consumers use is around 10–15 pages and includes:

• A Method of Verification demand letter addressed to the specific credit bureau.
• A one-page list titled “Items Requiring Method of Verification” that identifies each disputed account by name and partial account number.
• Copies of the bureau’s investigation result letters where the items were marked “verified” or “remains reporting” (with the key language highlighted).
• Copies of your certified mail receipts or other proof showing you properly disputed the items.

The goal is to make it absolutely clear which items you’re asking about and to tie your MOV demand back to their earlier statements that the items were verified.

Step 3: Sample MOV (Method of Verification) Letter

Below is an **educational sample** of a Method of Verification request. It is not legal advice, but it shows the type of information many consumers ask for.

Sample MOV Demand Letter

Sample “Items Requiring Method of Verification” Page

This page shows the bureau exactly which items you are asking about and links them to specific result letters they already sent you.

Step 4: MOV Tracking in Your Spreadsheet

As always, your spreadsheet is your control center. Add a new tab or columns for MOV tracking. For example:

This makes it easy to see which bureaus responded, how detailed their answers were, and whether you might want to discuss the responses with a consumer-law attorney.

Step 5: Evaluating Responses (or Non-Responses)

Once responses start coming back, most consumers look for:

• Did the bureau actually describe its method of verification for each item, or just send a generic form letter?
• Did they identify who they contacted and what records they reviewed, or did they simply repeat that the information is “verified”?
• Did the response address each account you listed on your MOV page?

The Fair Credit Reporting Act contains provisions about reinvestigation, notice, and consumer rights to request additional information. How those provisions apply to your particular situation—and whether a response is legally adequate—is ultimately a legal question. If you believe a bureau has not complied with its obligations, you should talk with a licensed attorney who can evaluate the response against the statute and relevant case law.

How Day 50 Fits into the Larger Strategy

Day 50 is not where most people start—it’s a late-stage, documentation-heavy move. By the time you are sending MOV demands, you typically have:

• Completed multiple dispute rounds with bureaus and furnishers.
• Documented regulator complaints and executive escalations, if any.
• Built a detailed spreadsheet and evidence folder that shows exactly what happened at each step.

From here, many consumers use MOV responses (or lack of responses) as part of the information they bring to a consumer-law attorney, legal aid office, or other professional if they are thinking about pursuing legal remedies.

Nothing in this article guarantees a particular outcome or dollar amount. Court decisions and settlement values depend on specific facts, jurisdiction, evidence, and legal strategy. The best way to understand your options is to have your documents reviewed by a lawyer who practices in this area.