How to Choose the Right Dispute Letter Reasons



A quick video to help you choose the right dispute reasons to use and what to look for on a credit report for quick results. This works for any account that you want to remove – student loans, charge-offs, repos, foreclosures, etc. The key is simply knowing what belongs, what doesn’t belong and what’s a violation.

Take a look at the VOD dispute letter vs. the simple letter that clearly lists the reason for dispute. I ran a test and sent out both letters for almost identical files and the 609 dispute letter took 9 months to remove and the unique letter took 4 months. Huge difference!

if you’re looking for fast credit repair, then check out the other 148 videos on youtube or checkout the DIY package at expertcreditsweeps.com/custom-videos

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Please watch: “How to Remove Unknown Collections Using FCRA 623 Violations | Credit Sweep”

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5 Responses

  1. H Cruzin says:

    In this example you used on here to dispute the colleges, were they ended up deleted? Just curious

  2. Shenitra Adams says:

    You're defintely great at what you do. Ive watched every single video and this is something that I want to do full time. Also do you know the fax numbers to the credit reporting agencies? Thank you

  3. D Ware says:

    Hey Christen, (hope I didn't butcher your name)

    Question. How do you interpret the new subsection on student loan rehabilitation that was added in September? Thanks in advance.

    …I'm aware that they spelled "rehabilitation" wrong.

    (E) Rehabiliatation of private education loans.

    (i) In general. Notwithstanding any other provision of this

    section, a consumer may request a financial institution to

    remove from a consumer report a reported default

    regarding a private education loan, and such information

    shall not be considered inaccurate, if

    (I) the financial institution chooses to offer a loan

    rehabilitation program which includes, without

    limitation, a requirement of the consumer to make

    consecutive on-time monthly payments in a number

    that demonstrates, in the assessment of the financial

    institution offering the loan rehabilitation program, a

    renewed ability and willingness to repay the loan; and

    (II) the requirements of the loan rehabilitation program

    described in subclause (I) are successfully met.

    (ii) Banking agencies.

    (I) In general. If a financial institution is supervised by

    a Federal banking agency, the financial institution

    shall seek written approval concerning the terms

    and conditions of the loan rehabilitation program

    described in clause (i) from the appropriate Federal

    banking agency.

    (II) Feedback. An appropriate Federal banking agency

    shall provide feedback to a financial institution within

    120 days of a request for approval under subclause (I).
    (iii) Limitation.
    (I) In general. A consumer may obtain the benefits

    available under this subsection with respect to

    rehabilitating a loan only 1 time per loan.

    (II) Rule of construction. Nothing in this subparagraph

    may be construed to require a financial institution to

    offer a loan rehabilitation program or to remove any

    reported default from a consumer report as a

    consideration of a loan rehabilitation program,

    except as described in clause (i).

    (iv) Definitions. For purposes of this subparagraph

    (I) the term ‘appropriate Federal banking agency’ has the

    meaning given the term in section 3 of the Federal

    Deposit Insurance Act (12 U.S.C. 1813); and

    (II) the term ‘private education loan’ has the meaning

    given the term in section 140(a) of the Truth in

    Lending Act (15 U.S.C. 1650(a)).

  4. bota20 says:

    But who wants to look at there credit that in-depth… you that's who you….Teach them !!! !!!Expert Credit Sweeps!!! * I learned the hard way.

  5. MrJules says:

    So you don't have to notarize letters that you are sending to the CRAs??

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