Our letters our completely different they are long, and they are not your standard cookie-cutter template letters that are just a few paragraphs. At Whatcom Credit Restoration, we never challenge the validity of an account, unless our customer is a victim of identity theft. Our letters challenge the accuracy of the reporting. We fax and mail all our letters to the credit bureaus. Challenge letters are also sent directly to the creditors and collection agencies to get inaccurate information removed from your credit report.