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Method of Verification (MOV) Requests

What Is an MOV Request?

After a credit bureau "verifies" a disputed item, you have the right under Section 611(a)(7) of the FCRA to request the method they used to verify.

Why This Matters

Many bureaus verify through automated systems (e-OSCAR) that simply ask the creditor "Is this correct?" without reviewing actual documentation. An MOV request exposes this.

When to Send

After receiving a dispute result that says "verified as accurate."

What to Request

The name and contact info of who they contacted

The documents they reviewed

The method used to verify

The specific dates of verification

Why MOV Requests Lead to Removals

If the bureau can't adequately describe their verification method, they've potentially violated the FCRA by conducting a superficial investigation.

CreditBooster automatically sends MOV requests after every "verified" response — this is a key reason our removal rates are so high.

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