Credit Repair Business Knowledge Base

What should i do regarding all “previously verified” letters?
Should i outsource certain parts of my work load. Like outsource it to india?
What are the best and your recommended credit monitoring sites so so I can give recommendations and make my work easier.
Do you have a sample of a marketing piece that i can use with an affiliate client/prospect.
if some items are still under dispute and no response has been received Is it ok to mail new disputes?
I have a client that just paid off an old judgement and she is in the middle of closing on a home . How can I help her to close by the 14th if the credit bureaus just received the letter January 5? Should I contact the courthouse to update?
My client is in the middle of a closing but the lender wants judgement removed. I sent a letter to the credit bureaus Tuesday with “Paid in Full” letter from the creditor. I wanted to know how I can get a judgement removed what should i do next?
What is the best way to get affiliates and what should i do?
What exactly is a squeeze page? And what is it used for?
How much could i charge for a rapid rescore?
When it comes to advertising to get the phone to ring what has worked best for others? Has anyone had any luck with TV spots?
When you file a dispute with the credit bureaus, do the credit bureaus automatically contact the furnisher or do they just check “in-house” records?
When Transunion sends the results for Late Payments, , there are some accounts under “Satisfactory Accounts. The following accounts are reporting with no adverse information.” However, the payment history with OK under each month only goes back 1 year, but I disputed a late payment from before that. Later when checking the credit on a Tri-Merge, that late payment is still there. How to respond to what Transunion had sent?
Should i use word “Financial” along with my company name. Is there an advantage to this? If so what is it?
If I outsource to an out-of-state processing company, do I still need to be bonded if my state requires bonding for CRO?
What does SEO mean?
Should we mail all the disputes on only one with all the disputes or mail each dispute on a separate sheet of paper in separate envelopes?
What marketing methods can i use to get people to my site?
Should i use “handwritten” envelopes or pre-printed when sending my clients disputes?
When we direct or explain the FCRA to a customer, are we misrepresenting as a lawyer?
Should i send out all my client’s dispute letters at once or one by one? Like sent a few out in one day and received correspondence from credit bureaus that they don’t believe that the letters came from the clients. How can we do this without any problems
What is the next step when Transunion sends you an answer that says on the MOV process they answered that verifications documents are not available?
What does dispute codes mean and how do i use them.
I have received “Suspicious Request” letter from Experian. How should i respond to this, do I need to have the client request his credit report from Experian so that i can send the next letter there?
Should we mail the disputes directly to Equifax to Atlanta, GA or like they request, to CSC Credit Services-Disputes in Dallas, TX? Or doesn’t it matter?
I am new to this business and wanted to thank you because i I have learned so much in the last couple of seminars. Thank you for helping this industry stay professional.
I work with p people with credit issues who want to eventually buy a home. Can you charge customers anywhere from $3K to $6K to delete just their foreclosure? Would that be considered credit repair, and would that fall under CROA?
Which state does my business need to be registered? In the state in which I operate or in which the customer lives? I don’t want trouble with any authorities, so I am trying to get this answered before I start anything out of state. Many of my contacts are out of state.
During the DT I went off the address on the credit report for a CA and had it returned “not deliverable as addressed? Unable to forward.” How would you process?
Is there any software to conduct a credit analysis like some provide?
It seems much harder nowadays to get a “pay for delete” letter from collection agencies or creditors. What is the next best alternative in the way they report/update next month if you settle for less than full balance?
Can you ask for a validation letter or investigate possible fraud with an original creditor after an account is sold off?
Every now and then Credit Bureaus claim that they have “verified” a negative public record. We contacted our County Records office and they told us that they don’t verify anything with any credit bureaus. How is it that the Credit Bureaus made that claim?
Do you recommend to dispute and debt validation at the same time?
The lender declined my clients approval for a loan because of accounts being listed as “in dispute by consumer,”is this a problem on both the conventional side as well as FHA/DU approvals? Is the creditor contacted to remove this statement?
I’ve been getting lots of letters from Transunion lately starting “RE: Verification Documents Not Available,” but they’re not specific about which one of the disputes was unverifiable. Have you seen a lot of these letters, and if so, how do you normally respond to them?
Is it okay to negotiate as the representative company when negotiating a settlement with the creditors?
Can credit bureaus re-insert negative information and if they do, how do you approach this issue?
Is there a way to raise the score post-bankruptcy approximately 1 year after discharge?
The CRA claims to have verified a Tax lien, but they admit to using a 3rd party to do so. The amount of the lien filed is the amount being reported, but it is not the correct IRS balance. What can we do?
My client paid his bank of America credit card account for less than the full amount. It now shows on a credit report as a “paid charge off.” The credit bureau has “verified” the account. What strategy would you recommend to get the account deleted?
Is $7,000 balance collection harder to remove than a $150 collection?
How do you deal with items that are not verified by the creditor but are still not removed? It seems to me that creditors know that regular consumers will never sue them and there are no credit police to enforce.
What secured credit cards do you suggest for customers with poor or no credit that report to all the bureaus?
What site or service do you recommend for us to use to add Authorized credit cards to the clients credit report to increase their credit score.
I have red in several places that i should always opt out clients from credit bureaus promotional offers. What is the benefit regarding credit repair to this?
I have a client that has a different last name on her driver’s license and S.S. card. Should I have her change one?
Are credit repair companies allowed to suggest an authorized user account to their clients with one of their family members?
Lately credit card companies decreasing maximum limit of the card as soon as my client pay down his current debts. Can anything be done about this?
Tax liens deleted from the bureaus still show on title search. What can we do to update that?
I have sent 3 letters requesting verification to the collection agency and the item it’s still on the clients credit report, and there is no response from the collection agency, My clients doesn’t/can not to sue the collection agency so what is the next step?
What is your opinion on Non-Profit vs. Corporation/LLC, etc.. Can we setup our company as non profit, currently we are an S Corp. We are an S Corp. And if we become a non profit would we be legally able to accept payments up front.
Some people and companies advertising that they can remove Equifax derogatories in 30 days. They are willing to put funds in escrow until work is done. It appears that this is legit, how could they do that?
How to handle complaints and clients that demand a refund and threaten BBB action, even after we are in compliance?
How to deal with car repossession?
It is a hassle to get the client to send in the letters they receive from the credit bureaus and collection agencies. Any suggestions on how to handle this or make it more efficient?
How do you handle foreclosures and short sales on the credit report?
Do online disputes work?
How do you pull credit reports if the client does not already have a report?
How important is it to mail clients drivers licenses, social security card or copy of utility bill along with my dispute to confirm identity when mailing letters to bureaus? Do you need all, or one over another?
Under what law can collection not be re-aged? They have been what’s the procedure?
How do you by pass CROA in order to charge up front? Do we sell materials or offer consulting in order to collect payments upfront?
How is a public record supposed to be reported? What if certain items are missing like status date, plaintiff, etc.?
Which accounts should be disputed first?
What is the best way or proven method to market my services to consumers?
When a credit report says collection on trade line and no address or names on it, how do you challenge it?
What type of clients should i have?
How are other credit repair companies collecting? Cash, check, Paypal, etc.?
Should i charge a lim sum or monthly payments? Whats better? How are other credit repair companies billing?
What credit card companies report secured cards to all 3 credit bureaus?
What is the average time frame that it takes and what is the average score increase?
The law says that that it is illegal to have accurate information removed from a credit bureau. How do we respond to such inquiries and ones like it?
What do you do when a client does not send you the correspondence they receive from collection agencies and credit bureaus?
Should i require my clients to be a monthly service to monitor your results, see updated reports and scores?
What credit reports are best to use for accessing the client’s situations?
What is the best way to dispute- as coming from the consumer? or a representative company? Why or why not? What are pros and cons of both?
I have a client that is asking to dispute a large number of items, is it best to send them all at once or should I break them up, is there a limit to the number I can send in at a time?
Is it better for me to call the student loan company and say I’m the client?
How can I get a merchant account? Most of the merchant companies don’t want to approve an account for a credit repair business.
I have a client with a derogatory Target account and a judgement from Target for the same account. It is on the credit report twice, once from Target and once for the judgement, hurting the client twice. Is that allowed? Or should Target not be reporting this and only the judgement should be on the report?
How do we find companies to outsource the dispute process & reduce costs?
Under Public records, a BK has liability and assets as N/A or 0. Is that an incomplete account or does it has to say N/A?
I have actually sued the Big 3 credit bureaus in Federal Court when I cleaned my own credit a while back; therefore I have some special contacts/addresses to some of the “Special handling” departments where I know I can get a real human being that can give my disputes more detailed attention. Would you advise using these on a regular basis on all my disputes or only on escalated disputes?
How do you handle a customer that has already gone to a “not mine” dispute factory type of credit repair company and has hit a brick wall. This does make our job much harder, does it not? Do you take this customer or tell them to come back later after some time has passed, since we would now be facing “previously investigated” stall letters?
If the client has not sent me the correspondence from the credit bureau in timely matter and i am waiting before the next round of letters is sent, can i legally charge the customer for the month if you i not done any work, assumes they are paying monthly?
My understanding is that it is very important to wait for the letters that the client has received from both the collection agencies and credit bureaus so that you know what your next letter should be. But I have recently heard from a colleague that for collection agencies, don’t wait for the correspondence, just send your series of letters every 35 days. Which approach do you recommend?
If a debt is bought, does the clock on the date of first derogatory start over?
Postage meter vs regular stamps. Is there any difference?
Can a credit card company close someone’s credit card while there is a balance on it? Has anyone heard of this?
If you to have a “Business Account,” either loan or credit that was given to my business under my tax id, would that show up on your personal credit report?
How do you remove student loan late payments, Is there a special process you would suggest ?
I deleted 7 negative items form my clients credit report and his credit score went down 10 points? Whats the reason for this?
Should i charge customers a setup fee to get started on their file?
I just got a new credit report back from Equifax and they listed all my disputes and said they were all frivolous. What is the problem?
Isn’t the Broker’s tri-merge more accurate than any online company out there?
Is there a benefit to partnering with an attorney in our business & sending out direct creditor interventions/validation letters on attorney letterhead to leverage more deletions?
Is “back end marketing” affordable for someone just starting in the business?
When is the ideal time to begin disputing a foreclosure?
Must an attorney be involved in the dispute process?
How to handle client who has credit cards under credit counseling service? What is your advice for a credit repair?
What should i do with clients that have difficulty paying for the credit repair fees. How can i help them? Is there a company who will give them a loan to pay for my fees?
If i have different branches for each state, wouldn’t i need to be bonded in each state and is this more beneficial?
Does piggybacking work?
Ho can i dispute an old account without the account being re-verified, updated, and having it affect our client’s score?
I have an F rating on BBB. How do I fix it, since they have kicked credit repair companies out. Are there any class action lawsuits against the national Council of Better Business Bureaus?
Where do most companies get their leads from?
It is extremely hard for me to remove late payments. Do you have any advice on how to get the late pays removed?
Does a collection agency inquiry count as a hard inquiry?
I have red in different places that, the “not mine” dispute strategy is gone old. What other dispute reasons do you suggest we use?
Do online disputes work?
What is a credit repair business and compliance?
Can I Charge my Monthly Fee if the Client Fails to Forward Mail Me Could Have Answered?
Bonding for Branch Concept? For branch concept, wouldn’t you need to be bonded in each state?
Do Free Listings and Classifieds Increase Business?
What Are Good Dispute Reasons? the “not mine” dispute strategy is gone old; what other dispute reasons do you suggest we use?
My client’s ex wives information is on his credit report. What do you recommend for handling in this case ( when divorced partner’s information appears on your client’s credit report)
Sometimes with Equifax, scenarios occur where an account is not fully identifiable. In some scenarios, the account name reads as “Unknown Acct” with the account number as “XXXXXXXXXXXXX”. In other scenarios, the system identifies all Equifax negatives as “UNK”. In disputing such cases, the system requests for a complete, updated credit report of the subject. Nonetheless, Equifax requires specificity through a page reading, “please be specific”, but does not provide a full report. In such cases, what strategies should I use to dispute such accounts effectively and get a complete Equifax report stating clearly the accounts reporting to such clients?
One of the clients received a letter from a collection company on an account that she does not recognize. The account also does not show up on her credit report for the last two months. According to my assumption, it is preferable to prevent the addition of the account on her credit report, especially if the account turns out to be hers. Consequently, could it be a noble idea for her to contact the company and acquire additional information? In case she finds out that the account is hers, she can resolve the issue and prevent it from being added to her report. However, if it is not hers, should I mail a request to the company for a written verification?
I received a response mail from Equifax showing some items that were purportedly investigated at my request. Additionally, the mail provided a list of the disputed accounts on the attached credit file and required me to review the file. No accounts listed on the file appeared on the attached credit file. Does their absence from the file mean that they were deleted and will never appear on the client’s credit report?
According to several sources and information acquired by word-of-mouth from credit repair professionals, I have learnt that the response from a credit bureau to a customer who purchases a report takes 30 days. Further, it takes 45 days to acquire a free report. Additionally, the sources informed me on variation of the aforementioned in which a customer gets a free report in 45 days after ordering it online through the bureaus, but it takes 30 days when ordered through mail or phone. Which of the above scenarios is accurate? Where does the FRCA state about the scenario? In the FRCA, only two sections resemble the scenario: one deals with the dispute process, which states that the bureaus take 30 days to respond while the other one states deals with “resellers” who have 45 days to respond. Could you offer me advice and additional information on free against paid reports?
My client has four school loans with the same institution with 1 or 2 late payments dating a few years back. However, the late payment show on each account four times. The situation has upset the client because he expected one hit because the loans were on a single account. How should I proceed since my attempts to write a good will letter to the client failed?
In cases where payment of a collection/charge off account is made prior to the expiry of the statute of limitation, does the 7-year period for reporting of that item start again? Does the 7-years period carry on from the original time of the account’s delinquency?
It remains unclear to me on whether it is the credit bureaus or the collection company that adds the statement “account information disputed by customer” in case of disputed items on a customer’s credit report. The majority of the mortgage companies I work alongside inform me that Fannie Mae does not want the appearance of the statement on all the accounts. The failure to remove the statement will lead to disapproval of the customer even if they have the FICO score. What do you know about this that may help in this situation?
One of my clients had a collection from Transunion removed some months ago. The results showed that the Collection Company was deleted. However, the client acquired a credit report recently and the collection showed up. According to FCRA Section 611 1-3, the reinsertion of the collection requires a prior written notification and reasons for reinsertion. How should one approach such an issue with the bureaus?
One of my clients had a number of accounts with the same bank. Some of his accounts managed by the same creditor started reporting multiple old late payments that were nonexistent immediately after a simple round of dispute. Additionally, I received a letter from the bank stating that the original faults were their responsibility because on some paperwork discrepancies. How should I deal with this situation?
In this case, there are two collection companies: a big collection company in Michigan and small local company. Sam’s charge off from 2003 or 2004 settled with the group in Michigan in 2007 or early 2008. However, the collection company shows only the 2007 date, but not the 2003 date. The case makes sense if Sam settled the debt in 2007 and the collection company is showing this date as the last card’s activity. Consequently, this shows the importance of settling debts for credit reporting. The assertion does not mean that the company does not pay its debts. However, it means that it is essential for consumers to pay their obligations and the company to keep its obligations up to date. Fundamentally, paying the account causes more harm than good unless the collection company is prepared to delete the account because, in case the account was from 2003, the company will generate a report in one year’s time. Contrary, since the company will settle the debt in 2007, the activity will appear in the 2014 report in case all the sections report accurately and verifiably. In case the item is not verifiable, one should request for debt validation from the collection company, which may not provide validation. Nonetheless, the law states that collection companies should remove the item from the credit report if the reported information is not verifiable. Further, a local collection agency took the collection and dated it 09 rather than 05. Is the collection new instead of old? Does this lower the client’s score?
Some of my clients have foul derogatories on their reports while others only have inquiries. The clients want the reports deleted even after explaining to them the insignificant effect these have on their score. Transunion and Experian have maintained their stand until the end of the two years. How should I approach inquiries less than one year old? Do these customers send letters to the creditor or the company that inserted the inquiry on the report? If you have many questions for Wednesday, a quick couple of tips back to this email would be sufficient since I am sure most people want to hear more about the nasty derogatories. Thanks and hope all is well with you.
One of my clients with a Nordstrom account has the account being reported erroneously. The case has been disputed with Experian, Transunion, and Equifax. Equifax removed the account, but the other companies did not. We contacted Nordstrom, but we are yet to receive a response. We also sent the MOV letters to the companies, and since we usually receive their stall letters a few days after sending them, they have made no changes to the account. What advice would help resolve the situation?
I know that the items listed in the bankruptcy can appear in the account section, but all the derogatory information must be deleted. Does this apply to judgment? I want to know since I have a client with a judgment from Target in which the account section shows the derogatory information?
It has taken the collection agency 30 days to respond to my request sent through certified mail. The company verified the account, but I did not respond to the verification/validation. I plan to sue them on three counts, which add up to $4,000.00. Additionally, the company they collect on behalf of has no information pertinent to the situation. Has anyone here ever taken a collector to court? What should I expect in case I sue the collector?
Which communication attains “certified mail” priority in the search for approval of a client’s mortgage during the first round of dispute? Should someone target the most recent collections “certified mail” with a 1-2 punch to catch the bureaus verifying prior to validation? What communications are entirely necessary since sending all communications via CMRR may not be profitable?
One of my clients has had progress in doing CR to get his inquiries removed by Equifax, but TU and Experian have been unmoved and are waiting for the two-year period. Every time I mail them, they inform me that the matter is in record or I should go back to the originator. Should I go back to the originator and what wording should I use to have the inquiries removed?
One of my clients has several PAID charge offs and collections. How should I dispute these? I expect that DV is out because it has already been paid. Are there legal provisions that allow me to request for validation from the collection agency or OC? Even if I will probably go to MOV on some of them, I want to handle them in many ways.
I received reports from clients, and after comparing them with the original letters, I realized they did not do what I asked. I had not disputed anything, but they are indicating about some disputed items in their reports. How should I proceed with resolving the issue?
How can someone remove a dismissed bankruptcy if he/she has all court papers showing the dismissal?
In case a client changes his/her address during the dispute process, should the disputes be resent with the new address and ignore the first lot that was sent? Should one inform the bureau about the address change and resend the dispute results to the new location?
A collection company sent a letter to my customer asking for $9,110.70 payment on an account that the customer had received a 1099C, in 2007. The customer had paid the IRS pertinent to the 1099C. In addition, the company is not only demanding for payments, but also copies of the 1099C that they issued in 2007. Does the cancellation of the debt indicate that the customer is no longer liable to pay the debt because the company has written off the account and decided to take a loss of it? Is my customer still liable to pay this debt?
One of my clients failed to follow the instructions on DV Trifecta strategy where he did nothing in the right manner. The collection company and the credit bureau have now validated the debt and added the requested backup documents from the initial furnisher as the letter requested. How should I help the family as they wish to buy a house early next year?
One of my client’s reports indicates only medical collections. Majority of the collections are over the SOL for collecting and have been sued in Florida. The client claimed that Medicare should have paid the collections since they were her provider at that time. The client clearly states that she does not know why the provider failed to pay. Since I am a newbie, I am at a crossroad on which route that I should take: Should I dispute directly with Medicare? What information would help in knowing why the collections were not paid? Could the patient have not paid thus owing the provider? Should I try SOL or HIPPA tactic? For SQL tactic, most of the accounts are past the SQL, but for HIPPA tactic, it should be used only when an account is paid in full. What advice could help me in resolving this situation? Any advice and/or clarification would be so helpful.
One of my clients has multiple accounts, which are not in his bankruptcy. Should I mail a complaint to have them included and then dispute the BK or is there another way?
Lately, I placed a judgment on dispute with the credit bureaus and requested for an MOV. However, the bureau keeps on sending a verified letter of nothing that I requested. Is there a different approach that I can use because I know that courts do not give information to the bureaus?
Is there a way in which I could offer free credit review and account setup, and receive payments for the set up in the same day without violating CROA?
In Texas, a person bonded and registered with the Secretary of State can request for money up front. Should someone get an F rating while following the state law?
Can we get into trouble when we fail to inform the client on the reasons for disputing an individual account?
Does a creditor continue updating his/her account through E-Oscar each month after selling a charged off credit card to a Junk Debt Buyer although they own it anymore? Since the clients don’t own the account anymore, how should they verify the account with the bureaus when it is disputed after selling or transferring the account?
In the last 4 months, I have sent 3 DVL to a collection company of which the last was from an angry consumer. However, the collection company has not responded to the letters. What actions should I take since Experian keeps on verifying the account? Should I call the collection company on behalf of the consumer to have these deleted?
One of my clients had a credit card that he paid off, but the bureau alerted him that the credit line is reporting as “Reported lost or stolen” and “Closed.” However, the client claims that he still has the card. How should I handle the dispute?
Of 17 items I have deleted for a client per bureau, only one – Chapter 7 BK – has challenged the deletion. However, other than the BK with Transunion and Experian, there are no more negative accounts since EQ deleted it. What recommendations can help in resolving the problem?
I sent a letter to the credit agency to have an account that did not belong to one of my clients to be deleted. It is over 30 days ago, but I have not received any response. What should I do?
How should I help a client whose property has been sold by foreclosure or he has been discharged from bankruptcy?
Can one have a good amount of business through placing free listings and classified ads on websites such as Craig’s list?
There are scenarios where mortgages keep appearing where the loan was transferred and listed in the negative area. Is the scenario legal given that the consumer does not own the debt?
I am a newbie and I just saw a credit report that has account information disputed by the customer. What triggers a credit report with “account information disputed by consumer”? How does one eliminate the information?
During validation, what should I do in case I receive a response indicating that I should provide the name and address of the original creditor?
I would like to have your thoughts on some of the particulars of expanding through the net branch concept. I have an acquaintance who wishes to open a net branch account in Dallas under Upgrade My Credit. I am not sure on the best way to do it, what advice or suggestions can you give to the acquaintance?
A consumer has been receiving disputes from bureau although that the mortgage broker pulled the report. The bureau still sees that broker A pulled the report, but they still send disputes to the same customer. Does failure to receive a report from a broker help?
One of my divorced clients has a divorce decree declaring the party responsible for each of their debts. However, some of the X’s credit appears in my client’s report since the credit was opened jointly. What suggestions can help in this situation?
In most cases, CRA normally asks for Verification of Address as a delay tactic since it buys them more time. Other Credit Dispute companies have informed me that I should handle the situation as a non-response in which the client should write informing the CRA that he/she asked for account verification and not address verification. Since we are building a case against the CRA, I don’t find the repetitive process of sending the letters relevant. What do you think about CRA’s tactic of ignoring, delaying, and confusing the consumers?
When a client has a late payment on his credit card, mortgage, or car loan, can I call the original creditor to correct the late payment without passing through the credit bureaus? If so, what are the steps used in clearing a late payment on the credit report on behalf of your client with the original creditor?
I am a newbie in the business and I have no clue in what I should do. The main issue is that I already have a client with a bad credit. What should act as the initial steps in accepting a client with a bad credit record in a new business? Which letters should I use since the client has collection, charge offs and late letters? Thank you, I really appreciate your help.
During the negotiation of debts, I always request them to report the settlements as “paid in full” with zero balance. However, settling old debts will alter the date of last card activity to the settlement date, although I keep reducing their debts to zero, which, supposedly, helps their utilization ratios. What consequence does the scenario has and how can one avoid it? What suggestions may help since many creditors and collection agencies have asserted that they cannot remove the reporting since they claim that they have to report the settlement?
On the issue of getting credit reports for your clients legally, should I check the information reported in the three bureaus although they say they provide Equifax credit report? When you repair someone’s credit, do you look at the information reported on all three bureaus?
In order to carry out a dispute, is it necessary to have an ID number for each CRA? Do you acquire those not available through requesting directly through each one?
How can I pull a credit report in case a client does not have a report at hand?
What importance is attached to the acquisition of a client’s identification (such as driver’s license, social security card or a piece of mail) for the confirmation of client’s identity during the mailing of letters to bureaus? Does one require all or one over another?
How should one create a relationship with potential affiliates who are not interested in doing business with you, even if you have done a lot to create that relationship?
For this service, what can be considered as a fair price model? How can one determine a fair price model?
Authorized users, Piggybanks, and such are dead after Fair Isaac’s formula stopped considering them. However, according to Fair Isaac, Authorized Users can increase one’s score, although we should keep in mind that this was after their release in 2008. Nonetheless, how does one accomplish the aforementioned? Does it entail the same process of adding a user or does it involve the credit screening process?
After contacting Authorize.net, I was informed that the acquisition of a merchant account for automated billing to a credit card would face several challenges because of the inexperience of credit repair companies. After checking with several other merchant account companies, I got the same response. How can credit repair companies overcome the obstacles and avoid ACH processing?
Although the best approach of acquiring affiliates is through speaking with large groups, how can one speak with mortgage bankers and real estate agents in large groups? Are there associations or societies for them?
Some accounts report with no advance information and when Transunion sends late payments results, some accounts are deleted while some other fall under satisfactory accounts. However, I disputed one late payment although the payment history read OK for each month for one year. However, after checking on Tri-merge later, the late payment still appears. How should I respond to what Transunion had sent?
In Metered vs. Stamped disputes, do stats exist? How should someone handle a fresh customer from a “Not Mine” Dispute factory? How should one deal with a customer who has experienced failure with a “Not Mine” dispute factory? Does handling such customers make the credit repair work hard? Should we consider the customer or should I have them come later since we would be fronting “previously investigated” stall letters?
Does the failure to get a report from a broker help?
What mechanisms do credit bureaus use to evade problems associated with selling scores to less reputable websites? Why do the credit bureaus get away with selling the consumer credit scores on sites that are totally screwed up and misleading to the consumer? If lives are hanging on these scores, particularly nowadays, shouldn’t they have a uniform system across the board? Is it going to take a large class action suit brought against them to make them change this? (I fantasize about being in front of the judge, telling him our side of the story, then pulling the judge’s tri-merge report. Then getting online and accessing his report and showing him. What would he think when he realized he was just charged equal amounts for scores that were skewed by 40 points one way or the other?
What makes Experian send notices claiming that they intend to do nothing on the suspicious inquiries they receive? Do these responses have a relationship with OCR?
How can we fix a collection settlement date for a debt years older? There are two collection companies: a big collection company in Michigan and small local company. Sam’s charge off from 2003 or 2004 settled with the group in Michigan in 2007 or early 2008. However, the collection company shows only the 2007 date, but not the 2003 date. Further, a local collection agency took the collection and dated it 09 rather than 05. Is the collection new instead of old? Does this lower the client’s score?
Do credit report providers Track IP Numbers? In cases where we proxy the credit reports, do the credit report providers track IP numbers?
Does the 7-Year time re-start when a collection agency takes over?
What affiliate growth strategies can our company utilize freely today and throughout the month to increase our professional network and business growth? What inexpensive ways can we utilize to grow our credit repair business based on the development of relationships in smart marketing during the crunch?
What if you have a client that has several negatives, but all belong to one furnisher with the same address? For example, one guy has 7 short sales where the 1st mortgage was with Washington Mutual/Chase and all his second mortgages are the Countrywide/Bank of America. Does the selection of one mortgage item among several negatives lead to automatic verification of the others?

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8	9	10	11	12	13	14
15	16	17	18	19	20	21
22	23	24	25	26	27	28
29	30

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