Professional Documents
Culture Documents
STEP 1:
GETTING STARTED
EXAMPLE: Mike is inquiring about getting his credit done. QUESTION: How can I get my credit fixed? ANSWER: I basically dispute negative information on your credit report with !"# #$$%&'!( !$$!&). QUESTION: )o all you do is dispute negative information? ANSWER: 'o* it+s a lot more to it than that* if everyone ,ust disputed negative information* then everyone would have good credit. QUESTION: )o what do I need to do it myself? ANSWER: If I told you that information then* I would not be in business* you would need to pay for that information. QUESTION: How much do you charge? ANSWER: $hat depends on how bad your credit is. I charge a minimum of -.....* but it can go as high as -...... QUESTION: /hat do I need to get started: ANSWER: # copy of your 0river+s icense* social security card* and 1 utility bills in your name or whatever legal documentation you can supply to prove your identity.
STEP 2: EXAMPLE:
2lient+s 'ame )treet #ddress 2ity* )tate* 3I4 2redit 5ureau )treet #ddress 2ity* )tate 3I4 2urrent 0ate $o /hom It May 2oncern: 4lease send me a copy of my credit report. My full name is Client N !e. My )ocial )ecurity number is 61789:8;<=>. My birth date is ?68?686><:. My current address is Client C"##ent St#eet A$$#e%%& C"##ent Cit'& St te (IP. I formerly lived at Client Ol$ St#eet A$$#e%%& Ol$ Cit'& St te (IP. I+ve also enclosed a copy of my 0river+s icense* showing my current address and a photocopy of my )ocial )ecurity card. 4lease send the credit report as soon as you can. $hank you. )incerely* )ignature 2lient 'ame )ocial )ecurity 'umber
))NE*ER TYPE T+ESE LETTERS AND ALWAYS WRITE IN YOUR OWN +ANDWRITING))
$rans @nion 2onsumer &elations 4.%. 5ox 1??? 2hester* 4# 6>?1181??? A=??B >6;8==?? !quifax Information )ervices* 4.%. 5ox <9?1:; #tlanta* "# 7?79= A=<<B )2%&!66 !xperian '2#2 4.%. 5ox ><?6 #llen* $C <:?67 2
))Always remember to write the legal dispute letters in your own handwriting because if the credit bureaus see a nice professional typed letter, they are immediately intimidated and will not remove any negative information.))
STEP ,:
E2 !-le: Dord Motor 2redit #ccount 'umber: 6179:;<=>? $his is not my account. I never had an account with Dord Motor 2redit. 4lease delete this item.
FOLLOW3UP LETTER TO INITIAL DISPUTE OF INACCURATE OR INCOMPLETE INFORMATION ON CREDIT REPORT 2lient 'ame )treet #ddress 2ity* )tate 3I4 2redit 5ureau )treet #ddress 2ity* )tate 3I4 2urrent 0ate $o /hom It May 2oncern: $his letter is a formal notice that you have failed to respond in a timely manner to my dispute letter of Ainitial dateB* deposited by registered mail with the 4ost %ffice on that date. #s you are well aware* federal law requires you to respond within 7? days* yet you have failed to do so. Dailure to comply with these federal regulations by credit reporting agencies are investigated by the Dederal $rade 2ommission. I am maintaining a careful record of my communications with you on this matter for the purpose of filing a complaint with the D$2 should you continue in your non8compliance. 5e aware that I am making a final goodwill attempt to have you clear up this matter by giving you 6: additional days to respond. Dor your benefit I will restate my dispute. $he following information needs to be verified and deleted from the report as soon as possible: NAME OF CREDITOR AGENCY& ACCOUNT NUMBER ))REMEMBER))
$he listed item is not accurate and should not be reported by your firm. 4lease delete this misleading information and replace it with correct information. #dditionally* please supply a corrected copy of my credit profile to all creditors who have received a copy of the inaccurate report within the last six months* and for employment purposes* the last two years. #dditionally* please provide the name* address and telephone number of each credit grantor or other subscriber. #s I+m sure your firm is aware* under federal law* you have 7? days to complete your reinvestigation. I am also requesting that the description of the procedure used to determine the accuracy and completeness of the information be provided as well within 6: days of the completion of your reinvestigation. )incerely* )ignature 2lient 'ame 2lient )ocial )ecurity 'umber
USE T+IS LETTER IF T+E CREDIT BUREAUS DO NOT COMPLY AFTER YOUR INITIAL COMPLAINT& AND4OR AFTER A FOLLOW UP COMPLAINT USING T+E INITIAL LETTER..
NOTICE OF INTENT TO FILE A COMPLAINT WIT+ T+E FEDERAL TRADE COMMISSION 2lient 'ame )treet #ddress 2ity* )tate 3I4 2redit 5ureau )treet #ddress 2ity* )tate 3I4 NOTICE OF INTENT TO FILE A FTC COMPLAINT 2urrent 0ate &!: 0ispute etter of Adate of initial disputeB* Dollow8up etter of Adate of follow up letterB 5ecause of your blatant disregard for the law* I+m sending you this letter as a formal 'otice of my intent to file a 2omplaint with the D$2* due to your blatant disregard of the law. #s of this moment* I have not received any correspondence from your firm* which consequently translates into failing to have done your duty required by law. I plan to hold your firm accountable for this negligence. Dor the record* the following information is being erroneously included on my credit report* as I have advised you on two separate occasions: '#M! %D 2&!0I$%& #"!'2(* #22%@'$ '@M5!& FF&!M!M5!&FF
I+m requesting that you immediately remove this inaccurate and incomplete information* I am filing a formal complaint with the Dederal $rade 2ommission. Durthermore* I intend to file civil action to recover damages* costs* and attorney+s fees. Dor this very purpose* I am carefully documenting these events* including the lack of response &!G@I&!0 under law from you. #dditionally* please supply a corrected copy of my credit profile to all creditors who have received a copy of the inaccurate report within the last six months* and for employment purposes* the last two years. #dditionally* please provide the name* address and telephone number of each credit grantor or other subscriber. #s I+m sure your firm is aware* under federal law* you have 7? days to complete your reinvestigation. I am also requesting that the description of the procedure used to determine the accuracy and completeness of the information be provided as well within 6: days of the completion of your reinvestigation. )incerely* )ignature 2lient 'ame 2lient )ocial )ecurity 'umber
RESPONSE TO COLLECTION FIRM REGARDING A DISPUTED ITEM 2lient 'ame )treet #ddress 2ity* )tate 3I4 2ollection Dirm )treet #ddress 2ity* )tate 3I4 2urrent 0ate $o /hom It May 2oncern: I+m responding to your letter dated* 0ate* with a copy of it enclosed. $his is the first piece of correspondence I+ve received from you on this matter. I believe I do not owe your firm what you say I owe* and I request that you please provide me with the following: tell me what I owe money for illustrate how your firm calculated the total amount in question. provide me with any copies of signed documents showing that I agreed to pay what you firm claims I owe. show me that you are licensed in my state* and give me your license number. stop contacting me about this matter* or any other you have* except to provide me with proof that I owe what you say I owe.
I request that the company that you say I owe money to be sent a copy of this dispute* so that they do not report this on my credit report. I further expect that if you already reported me to a credit bureau* you notify them that I have not and do not agree with this debt in question. )incerely* )ignature 2lient 'ame
WRITE T+IS LETTER TO ANY CREDITOR T+AT CONTACTS CLIENT REGARDING DISPUTED ITEMS.
REQUEST FOR ACCURACY PROCEDURE FROM CREDIT BUREAU FOR REIN*ESTIGATION 2lient 'ame )treet #ddress 2ity* )tate 3I4 2redit 5ureau )treet #ddress 2ity* )tate 3I4 2urrent 0ate $o /hom It May 2oncern: I am formally requesting the description of your procedure to determine the accuracy and completeness of the disputed information* including the company name* address and telephone number of any furnisher of information contacted in connection with this reinvestigation. I am greatly upset that your firm failed to maintain adequate procedures to assure complete accuracy in the information you release to firms inquiring about one+s credit* and I demand that you comply with the law by providing the requested information within the fifteen days allowed. )o that you know which account I+m disputing and asking your firm to re8investigate* the name of the company and account number with them is as follows: 2&!0I$%& #"!'2(* #22%@'$ '@M5!& FF&!M!M5!&FF #s I have stated previously* the listed item is inaccurate and incomplete. $his is a substantial error in your reporting. 4lease supply a corrected copy of my credit profile to all creditors who have received a copy of the inaccurate report within the last six months and* for employment purposed* the last two years. #dditionally* please provide the name* address* and telephone number of each credit grantor or other subscriber. )incerely* )ignature 2lient 'ame 2lient )ocial )ecurity 'umber
TIPS FOR MAINTAINING A SUCCESSFUL LEGAL CREDIT REPAIR BUSINESS If you are doing this as a business* you must always remember to write dates on the client+s folder Hwhat date you started working on it. (ou must work on a client+s file a minimum of once a week and document the date each time. #lways check with your client+s to see if they are receiving their credit reports as well as their investigation results. (ou should work on a minimum of three clients a day* always make sure you do. (ou must write the dispute letters in your own handwriting. Make your own business cards describing what you do* and get a magnetic car sign. $his will bring professionalism* stability and a lot of business.