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The Dispute Suite Business Plan Kit gives you every resource you will want and need to be able to put together a powerful business plan for your business. Business plans can be extremely overwhelming as they are expected to include SO MUCH information.   It takes an average company months to put together even a basic […]

Technical data is often a cause of severe credit issues and complications. Technical data errors such as name, address, SSN, can easily cause multiple individuals files to be improperly merged. The merging of file data in most cases will impede a consumers’ ability to obtain the highest credit rating. The most common files to see

In addition to using credit FICO scores, some resellers use a scale of 0-9 to rate credit. On this scale, each number is preceded by one of two letters: “I” signifies installment credit (like home or auto financing), and “R” stands for revolving credit (such as a credit card). Here is how the scale breaks

The most difficult items to remove off a credit report are bankruptcies, judgments and foreclosures. These items on your credit report are easy for the credit bureaus to verify. These are not impossible to remove, they’re just difficult. When dealing with a bankruptcy or foreclosure the same magic three standards must be met (I’ll say

Studies show at least 73% of credit reports have errors.  Rarely, have you probably ever, reviewed a report with a client where you didn’t locate erroneous or false reporting accounts. Once they are recognized, still many clients don’t know the huge score impact those small “mistakes” make to their credit scores.  Dates-of-last activity and dates-of-default,

For the best understanding of creating dispute letters on behalf of your customers, let’s review the construction of a credit repair letter: Top of the letter In the upper left side of the page, you should always include your client’s full name and current address. Because the credit bureaus use social security numbers as identifiers,

The Credit Reporting Agencies (CRAs) get most of their information from the consumer’s creditors and lenders. A creditor or lender is someone who loans money to a borrower. Creditors and lenders sign agreements with the credit bureaus that they will report payment and credit history.   The companies that report information to the CRAs are

Many people think sending a dispute letter to the credit bureaus is where credit repair begins and ends. It is true that the Fair Credit Reporting Act (FCRA) provides consumers with the rights to challenge any credit report item deemed to be questionable. It also requires that the credit bureau delete any credit listing that