« on: September 07, 2005, 12:54:23 PM »
CMRR stands for certified mail return receipt requested. Basically, the credit reporting agency (CRA) has to sign for the letter you mailed to them. If you send something to a CRA that is not sent CMRR they will deny ever receiving it. Also, when you dispute something with a CRA they have 35 days to respond. If they fail to respond under FCRA they have to delete the item you disputed. Therefore, the CMRR serves as proof that you actually sent the CRA something in writing and it serves as the timeframe the CRA has to respond. For example if you mailed something on September 1, the CRA has until September 31 plus 5 days to respond. If they fail to respond and you file a complaint in district court, the CMRR considered an official document and will used as evidence in court that the CRA violated the FCRA. Without it you're basically screwed.