# Letter Sending Policy

## Dispute Letter Protocol

<div id="bkmrk-at-crowned-credit%2C-d" style="background: #f0f4ff; border-left: 5px solid #2b386d; padding: 16px 20px; margin: 16px 0;">At Crowned Credit, dispute letters are primarily sent **electronically** through our dispute management platform for efficiency, accuracy, and tracking. Hard copy letters are sent **only when specifically requested or required by credit bureaus or clients**.</div>Electronic letters allow faster processing and better client tracking. Hard copy letters may be mailed for legal or compliance reasons but are not the default method.

<div id="bkmrk-croa-disclaimer%3A-cro" style="background: #f0f4ff; border-left: 5px solid #2b386d; padding: 16px 20px; margin: 16px 0;">**CROA Disclaimer:** Crowned Credit complies with the Credit Repair Organizations Act (CROA) and provides services transparently and ethically, following all legal requirements.</div>