CheckDispute Guides

What "Delivered" means on a certified-mail dispute CheckDispute · Sources checked September 20, 2026 A delivery scan is a fact about a mailpiece: USPS delivered an envelope to an address on a date, and that is all it says. The FCRA's 30-day reinvestigation period runs from the date the agency receives the notice of dispute. Those are related events — they are not the same event, and the gap between them is where most of the confusion lives. What the scan establishes — and what it does not USPS Tracking reports the date and time of delivery or of a delivery attempt, per the USPS mail manual . Certified Mail gives the sender a mailing receipt and electronic verification of delivery or attempt; the return receipt adds to whom it was delivered, the date, and the actual delivery address. What it does not establish: who opened the envelope, when the agency logged the dispute internally, or that a reinvestigation has started. USPS's responsibility ends at delivery, per...

Certified mail vs. first-class for a credit dispute: what each service proves CheckDispute · Sources checked September 20, 2026 The choice is not about speed or legal force — no federal source conditions a dispute on a mail class. It is about evidence: which service produces which record, and whether that record proves sending or proves delivery. Here is the comparison, priced, with the statutory rule sitting next to it. Do you have to send dispute letters certified mail? No. The reinvestigation duty under 15 U.S.C. §1681i is triggered when the agency receives your notice of dispute — nothing in it names a mail class. The CFPB frames certified mail as a choice you can make so you have a record the letter was received, and the FTC recommends it for the same reason. Good record-keeping — not a legal precondition. What each service actually proves Prices below are what the USPS extra-services page listed when checked on September 20, 2026 — confirm current prices at usps.com befo...