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It is unlawful under the FDCPA to threaten suit if no such action is intended. The attorney cannot sue you in a state that is not your home state, under the FDCPA. Therefore, the threat is an empty one. Empty threats are punishable under the FDCPA! It is unlawful for such a letter to be […]

Most consumers are familiar with Equifax. But there are a few interesting tidbits that most people don’t know about the company.  Here are a few interesting facts about Equifax:   Equifax was founded way back in 1899. Their annual revenues in 2011 were $1.96 billion and they operate in fourteen countries, although, like TransUnion, they

Most consumers are familiar with Equifax. But there are a few interesting tidbits that most people don’t know about the company.  Here are a few interesting facts about Equifax:   Equifax was founded way back in 1899. Their annual revenues in 2011 were $1.96 billion and they operate in fourteen countries, although, like TransUnion, they

“Time in the bureau” accounts for 15% of the consumer credit score.  The older you are and the longer you have had credit accounts for, the higher the score.  This is why it is near impossible to get to an 800 score at a young age.   As you have more accounts throughout your life,

A lot of credit repair businesses ask questions like “my client is not sure if the account was late” or “my client told me it was late but said to dispute it anyway”. What do you do with these items? Do you dispute them or leave them alone? There are strategies you can utilize in

The FCRA affords consumers many rights relating to their credit. Check out some of the finer points: Access to credit reports. All consumers, regardless of which state they live in, have the right to receive one free credit report annually from Equifax, Experian, and TransUnion. There is also no charge for a credit report if

I want to tell you a true story.   The story is about a man named Kenneth Baker.  Ken, we’ll call him, wanted to change his family’s life.  Ken wanted to buy a home for his family.  Ken wanted to change the future for his children, and wanted to change the lifestyle for him and

One thing we hear a lot at Dispute Suite is how much people love being able to choose between our feature bundles or just adding features a la carte.   You can add additional features to your application a la carte as you might need them, or you can even bundle together additional features at

When you first start disputing on behalf of your customers, many of them will be anxiously awaiting for the initial results to come in.  This is why you will always want to let your customers know exactly when you send out disputes, and remind them that the disputes do take time to process. It’s a