Credit Education

Utilization of credit accounts for 30% of a consumer credit score. This is a substantial factor in the FICO model, utilization is calculated by dividing your current balance by the credit limit, example $500 balance on a credit card that has a $1000 limit: $500 / $1000 = 50 % Utilization Percentage Higher utilization rates […]

During this webinar you will learn about interesting issues that pop up for consumers around the holiday season. Learn what really aggressive actions credit card companies take during the season to get your business, learn about how rates and terms are worse during this time, discover how all of this affects your consumers and your

When sending a dispute letter to the credit bureaus you want to make the dispute letter look “consumer authentic.”  The credit bureaus receive 5 -10,000 disputes per day so you want your letter to blend in. You do not want to tip them off that you are a credit repair company. One strategy for this

During this webinar you will learn about credit and relationships that leads to divorce, discover information that affects you relating to a “time capsule” in the FACTA laws that is now taking effect, hear more about “adverse approval” and how it affects you, and much more. Your special hosts for this webinar are two leading

You really should have a client website that’s exclusive just for your paying clients. You probably already have a main website for your company that you use for marketing your services.  But for your existing clients, you need a special website or secure login on your main website, which can be used as an exclusive

As a derogatory account ages, the effect on a credit score diminishes. The date of last activity is a commonly abused area of credit reporting, this is referred to as “Charge-Off Date Fraud”. Collection agencies will often report the date that they purchased the account as the date the account was last active. This can

Many consumers are harassed by aggressive collection companies. In some cases these companies call daily, or even call the consumer many times during the day in an attempt to collect on a debt. What most consumers don’t know is that they can easily stop these calls by sending the collector one simple letter. The Fair

The Credit Card Accountability Responsibility and Disclosure Act of 2009 or Credit CARD Act of 2009 is a federal statute that was passed by Congress and signed into law on May 22, 2009. It is comprehensive credit card reform legislation that aims “…to establish fair and transparent practices relating to the extension of credit under

Within a couple of weeks of mailing out dispute letters, it is very common for clients to receive back correspondence from the credit bureaus relating to their disputes. In many cases this correspondence isn’t the results of their disputes, but other letters from the bureaus that reference things like requesting client identification or to alert

DisputeSuite’s Weekly Webinar (2/10/2016) Be sure to check out this week’s DisputeSuite Weekly Webinar, to get an exclusive “Sneak Peek” at our DisputeSuite Credit Repair software and Q&A session with Robert Ellerman, CEO. From automatic recurring billing to customer & affiliate portals, get a glimpse of how the DisputeSuite Software will help automate and scale your