How to Write a Dispute Letter Using eOscar Codes to Credit Bureaus

Today we’re talking about how to maximize and write your dispute letters using eOscar Codes to the credit bureaus to increase probabiliy of quicker deletions and increase of credit scores. If you’d like to see if a credit sweep would be a good fit for you, head over to and I will see if I can help! Here is the link to the resources referenced in the video:


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Video notes:
Today, I’m going to show you something that I have not gone over in the entire six years that I’ve been on YouTube. And that is how to write your dispute letter using the e-Oscar codes. And this is a way you can increase your results and your credit scores in as little time as possible. But to do that, we need to understand how this process works. And it’s very straightforward. But the very first thing you need to understand is that your full dispute does not get sent over. Right here, much of the data surrounding the consumers original complaint is lost, because they send excuse me, you send your letter to them, it gets converted into one of these 29 dispute codes. And then it gets sent over to the data furniture, and here are these codes. And you can go down into the description and click on the link and check this out yourself. It’s very, very straightforward. But here is the problem. A mischaracterized complaint can dry all the time to fix an error on a consumers credit report. And as you know, this is already a long, complicated process. It was never meant for me and it was never meant for you. And the information important to dispute does not always follow that consumers to sweep through the investigation process because the whole thing does it get sent over. Here’s the biggest part, a congressional report in 2007 found that e-Oscar reports use the same for dispute codes over 90% of the time calling into question the value of these 29 codes. That same report found that through the e-Oscar system credit reporting bureaus never actually investigate disputes instead, putting it over into the data furnishers you know, on their side, this same exact repeat dispute and as you know, you cannot do that. So let’s go and match what I’ve written over here on the right, so it’s very straightforward. Your personal information date bureau remove update the following inaccuracy found on my report, and I have five accounts account number one removed due to inaccuracy in dates of last payment, date, date date, and I am referencing 105. And you’re not going to put the numbers on there, I put them on here so that you can see what I’m talking about. And that is disputes date of last payment account number to update for an accurate information in the data is paid blah, blah, and this is going to be 112 and that is down here claims inaccurate information right. Next one, remove because account included in bankruptcy and we are looking at 37. So 37 is going to be account included in bankruptcy. Number four, stop reporting this account due to true identity fraud, and that is 103 claims true identity fraud. You see how I’m using the actual you know, words directly from the E-Oscar codes are very, very important so that they can match what you are saying to the proper code. Okay. And lastly, account number five, remove authorized user because I’m not liable for this account. And this is 101. And you can use this for authorized user belongs to ex spouse business, so on and so forth. And then send me a new report reflecting these changes. That’s it. That is the entire dispute. So if you want to take a straight forward approach and strategy to writing your disputes to get results, then maybe it’s just something that you want to try and post them in the comments how it works for you so that we can find out together. Alright, so that is it for today. I hope you have a wonderful day Smash that Like if you found value in this video, subscribe if you haven’t done so and schedule a call with me one on one at if this is something that you don’t want to do or don’t have the time to do or you want to get the best results.

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