41 Credit Sweep Dispute Letter Challenges & Violations

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Today we’re going over 41 credit sweep dispute challenges and violations. You can find resources linked below for more information on factual disputes and how to use them to remove accounts from your credit report. If you would like to schedule a call for a credit sweep head to to see if I can help.

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12 Creditor FCRA Violations: How to Fight Verified Accounts l Credit Repair Tutorial

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⭐️ Video notes:
We are on disputes and violations, did you know that you have 19 things that you can dispute an account and there are 11 credit bureau violations and 11 credit violations that you need to know about so you can leverage your results. Alright, so let’s get started. And just so you know, you can head down into the description and check out a bunch of different resources, like learning how to actually do factual based disputes so that you can get that house or that car loan or put your kids in better schools or right and you click the link at the top of the screen to schedule a call with me if you want to find out if I can do the credit sweep for you. Now, I broken down this video into problems reasons Bureau’s creditors and a quiz is I need to know that you know exactly what we’re talking about. So here’s the problem. It’s always been my professional and tested opinion that the biggest problem is understanding the difference between methods that put a temporary bandaid on and one that permanently fixes the problem. All right. So here’s the deal, vague, general disputes can get results, but they’re normally added back to the credit report quickly in you don’t want that. Why would you want it gone for like, I don’t know, three weeks just to have come back on and be 10 times more difficult to get off and questioning the existence of an account may be easy to prove for the CRA or the furnisher. And using the same dispute, each time like unverified can result in rejection for further investigation. I see it all the time Experian will send something saying that unless you can prove that the creditor says this or the court says that that they’re not just not going to reinvestigate, so you can’t say unverified and verify verify. Uh, no, no, no, no, no. With factual based disputes, you automatically have a ton, a ton of different things that you can dispute on the account, it just makes a difference as to what you’re disputing first, and how you’re using it to back up your argument, right. And a one size fits all dispute is normally going to be verified as accurate without any investigation. If you don’t believe me, go check out my video on the actual dispute process. When your letter gets the Bureau’s if you’re sending a template, and their OCR says, hey, guess what, this is a template, it wasn’t a consumer authentic, unique dispute, then there is no investigation, it just gets sent back as verified. Okay, so you don’t want that. Now, here’s the solution. Just like I mentioned, factual disputes, challenging other sections of the reporting can prove to be more difficult for the Bureau’s and furnishers than dealing with the general statements they normally get, you don’t want to send a normal dispute. You know, this is what I’ve been doing for each of my clients for over six and a half years now. And what has resulted in over 20,000 deletions in 2020 alone, and I’m going to give you my numbers for 2021 on the first of the year, so make sure that you stay tuned for that. Now, here’s the construction writing your letters. First of all, you need to understand that you need to keep it real. And this is just my recommendation. I mean, I say you gotta understand it. But I mean, you know, you could take it with a grain of salt, right? You can take this with a grain of salt, you can actually in your Bible, it’s completely up to you. But my recommendation is always to keep your disputes factual.

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