Credit Bureau Challenges
We typically dispute 5-7 accounts per credit bureau per round (15-21 total per round) but, if you would like us to dispute more just let us know. Want us to do 50 at a time? No problem!
Inquiry Challenges
We will request that all of the creditors reporting inquiries on your credit reports provide proof of their permissible purpose for pulling your reports. If they have the proper authorization, the inquiry will stay, if they can’t verify their permissible purpose, the inquiry is deleted.
Legal Indepth Credit Audit
We go over your credit report with a fine tooth comb breaking down every account to determine the best course of action to take in order to optimize your credit scores and help you attain your goal in the minimum amount of time.
Compliance Verification
Verifying that the credit bureaus completed their investigations in compliance with section 611 of the FCRA – didn’t skip any steps during their investigations and completed the investigations within their allotted time. If a violation occurs, the accounts are deleted.
Personal Info Variation Challenges
These can throw up a red flag for potential lenders. They are also markers for instability, displaying sporadic behavior to potential lenders. We will work on removing the inaccurate name and address variations as well as excess employer and phone number information.
Goodwill Interventions
A friendly creditor intervention which leverages your past/current positive payment history with a creditor reporting one or two late payments on your credit reports – in an effort to remove the late payment(s) from your credit reports.
Escalated Info Requests
This more aggressive intervention requests documentation to corroborate the information that they are reporting in your credit reports and proof of a creditor’s compliance with various consumer protection statutes.
This intervention may also include communication with;
• Office of the Comptroller of the Currency Administrator (OCC)
• Federal Trade Commission (FTC)
• Consumer Financial Protection Bureau (CFPB)
• Your State Attorney General
• Your State Department of Justice: Consumer Protection Division
• Your State Governor’s Office of Consumer Affairs
• The Association of Credit and Collection Professionals (ACA International)
• The Consumer Data Industry Association (CDIA)
Debt Validation
Debt validation requires that the creditor/data furnisher provides documents such as original contracts, billing statements, etc…, to prove your liability in a debt.
If the debt is not validated within the FCRA time-frame, the account is deleted from your credit report. If the creditor sends in the required documents they are forwarded to the CFPB for review. The CFPB will then make a determination of whether the documents meet the criteria outlined by the FCRA for debt validation and either delete or verify the account.
We also match up the information from any paperwork received from the furnisher to the info reporting in your credit reports. If the information from the validation documents does not match up to the information reporting in your credit file, the account is deleted from your credit reports.