A short YouTube clip by Daniel Rosen explaining that credit bureaus often use "stall" letters to delay or discourage credit repair disputes because investigations cost them money. Rosen lists three common stall-letter types — 'suspicious request', 'insufficient identification', and 'frivolous request' — and advises viewers not to be discouraged when they receive such letters.
The credit bureaus don't want you to succeed at Credit Repair. Why? Because it costs them money to investigate each dispute. There are three most common types of stall letters. A suspicious request seems to be the most common stall letter. In this letter, they say they received a request that included your information, but it didn't appear that you or properly authorized third party sent it to us. Insufficient identification is that you didn't include the photo ID and proof of address. And then a frivolous request usually happens when you attempt to dispute too many items. Now, when you get one of these letters, don't be discouraged, because that's what they want. That's why they send these.
