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Basic Steps To Credit Disputing

By: Daniel Rosen July 21, 2020

Does the idea of going to battle with the credit bureaus and disputing items on your client’s credit report scare you? It’s okay if it does. You’re not alone! 

But the truth is, credit disputing is all based on the fact that it’s your right or your client’s right to repair their credit, and to delete inaccurate, incomplete, and outdated negative credit history. Even accurate items can be removed, because often, there’s something inaccurate in how they were reported.

The Fair Credit Reporting Act and other laws give you the legal right to dispute anything on your credit report. Anything! So in today’s article, I’m going to take the overwhelm out of the disputing process and simplify it, so it’s easy to do even if you’re a beginner.

What Role Does Disputing Play In Credit Repair?

If you want to get into credit repair or you want to repair your own credit, one of the first things you’ll need to learn is how to dispute items on a credit report. 

Now, a lot of people are intimidated by what it means to dispute. Even the word itself sounds like there’s confrontation involved! Plus, when you start to think of all the legal terms, or processes, that you might need to know, it becomes overwhelming really fast. 

But, the truth is, it is a fight! It’s a fight between you and the credit bureaus - but when you know how to WIN and you’re confident in the process, you can go in swinging and come out a winner! 

The basics of disputing are actually really simple. So simple in fact that I’m going to break it down into just 5 steps for you today. After you do all five easy steps, you’ll have the confidence you need to get results for yourself and your clients every single time! 


Why Credit Disputing Important

Here’s why this is important: 

  1. The best method to remove inaccurate or unverifiable information from a credit report is with the dispute process. Under the Federal, Fair Credit Reporting Act (also called the FCRA), people are given the right to dispute any items on their credit reports that are incomplete, inaccurate, unverifiable, or untimely. If the items cannot be verified, they must be removed. This idea of IF THEY CAN’T PROVE IT, THEY MUST REMOVE IT, really is the basis of all credit repair. 
  2. Removing inaccurate or unverifiable information on a credit report is one of the fastest ways to increase your client’s credit score and get them into that home or car they may have previously been denied for. 
  3. The bureaus are HUGE. They make a ton of mistakes and they know it! That’s why they have this disputing system in place. 79% of Americans - that’s nearly 8 out of 10 people - have errors on their credit reports, and it’s costing them hundreds and thousands of dollars each month in inflated interest rates! Helping them is a way you can truly change lives!


How To Be Success At Disputing

So here’s what you need to know to be successful at disputing. 

Step 1: Get a copy of your client’s credit report from each of the three major credit bureaus, preferably from a credit monitoring service, so you can see all three reports and scores together. 

Once you have them, go through them very carefully to find the errors, redundancies, or unverifiable information that can be disputed. Then sit down with your client to decide on the next steps. If you’re using Credit Repair Cloud our software does all this automatically in one-click, and creates a really cool credit audit report showing all the issues on the report. 

If you’re not a credit repair cloud user yet you can claim a free 30-day trial at creditrepaircloud.com today!

Step 2: Create your dispute letters. Make sure to list each item that you are disputing and the reasons why. Include all supporting documentation and copies of your client’s photo ID (like a driver’s license) and proof of address (like a utility bill).

Now, if you have no idea how to write a dispute letter - don’t panic! Credit Repair Cloud has over 130 letters for every possible situation and with our letter finder feature, all you have to do is answer a couple of simple questions and your auto-filled perfect dispute letter is ready to print and send in a few seconds.  

Step 3: Send the letters as soon as possible directly to the bureaus. If you can afford it, send certified. But if you can’t and if you have no intention of suing the bureaus, then just send with a regular stamp. 

Now, a lot of people ask me, “Can’t I just do the dispute online? Won’t that be easier and faster?”

The answer is; NO! It doesn’t go well if you do the disputes online, and when you do try to do the disputes online, they make you sign away your rights, and that’s a big deal. So take time and do it the right way, by paper mail.

Now, the FCRA gives them 30 days to investigate a claim. So just set a reminder on your calendar so you know when you should receive a response and then just wait! Really! There’s nothing more to do at this time for those items. 

Step 4: The credit bureau will respond to your client directly via mail. The response will indicate either that the dispute was confirmed and modified - removed from the credit report or that the item was confirmed and will remain. If you are using our credit repair software, your client can take a picture with their smartphone and upload their response right into their portal for you to see. 

Step 5: Finally, follow up and be persistent! If the bureau has not removed the item from your client’s credit report, send a follow-up letter reiterating the dispute and the reasoning behind it. And know that you might have to dispute the same items several times. So don’t be discouraged, because that’s how this works. 

Patience and persistence are key to successful credit repair. 

And not to brag but nobody knows it better than our Credit Heroes at CRC! To date, we power over 4,500 credit repair companies, and our customers have helped hundreds of thousands of people to clean their credit, by improving nearly 4 million credit report items, and collecting for them over seventy-seven million dollars in revenue! With the help of Credit Repair Software - our users are able to fight the bureaus and WIN!

So if you’re ready to know more about how disputing works or you want to launch your own credit repair business, we’ve created the Credit Hero Challenge just for you! I invite you to join today and within just a couple weeks you’ll be certified in disputing, and well on your way to being your own boss, taking control of your financial future, and changing a whole lot of lives!


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Topics: Podcast



Hey, I've got a question for you. But it's kind of a hush-hush topic. So come in close. Okay. Are you listening? Have you heard of the magic 609 dispute letter guaranteed to erase any negatives on your credit score? And did you know if you wear red sox when you send in your letter, you have a better chance at getting an item removed? Oh, and don't forget to write all your letters in all different fonts. So the credit bureaus get confused and don't throw them out. And one last thing. Come in real close for this one. Are you listening? None of that is true. It's all a bunch of hooey. It's credit repair old wives' tales. In this episode, I'm going to tell you the truth about what works and what doesn't so you'll never be duped by another troll on Facebook or an overnight credit repair guru ever again. So stick around. 


So the big question is this, how can we take our passion for helping people with their credit and turn it into a successful business without taking loans without spending a fortune by bootstrapping it from nothing, so we can help the most people and still become highly profitable? That is the question and this podcast will give you the answer. My name is Daniel Rosen, and welcome to Credit Repair Business Secrets.


How many of these crazy old wives tales have you heard? How about this one, you'll get way better results by tricking the credit bureaus. Yeah, go ahead and write your dispute letters in different fonts and different colors or use different colored paper or use a word spinner to confuse the bureaus, and this way their automated system won't be able to flag it. Wrong! Nothing could be further from the truth. Every single dispute letter is handled the very same way, no matter how it looks or what it says the bureaus they are looking to identify the error and reason why it is wrong, period. Or how about this one, the magical 609 letter. People sell this totally useless letter that claims that by asking for proof that the bureaus can't provide that you get an automatic deletion. This is a scam. And the actual section of the Fair Credit Reporting Act that relates to your rights. It's not even numbered 609 it's section 611. But even then, the myth that they are selling is totally bogus. Don't fall for this nonsense. Oh, or have you ever seen what happens when you do a quick Google search for fast credit repair? If you do, you'll find thousands of results from companies claiming that they can increase your score to over 800 overnight and remove anything and everything from your credit. Is this true? No chance hit takes nearly two or three decades of good credit history and great habits to get above an 800 score. So don't trust anybody that says otherwise. Just because someone wrote it on the internet does not make it true. Credit Repair isn't about tricking the system. It's not an overnight Miracle Cure, and there is no magic dispute letter. It's about using the law in your favor and stating facts. It's about being persistent and never taking no for an answer. It's about educating your clients and empowering them to live within their means and to be responsible. And it's about doing a service to your community. Yes, you can often remove negative items that are accurate, but not with gimmicks. It just takes work. The fact is our most successful Credit Heroes, the ones who quit their nine to five job, make a six-figure income and even our Millionaire's club members. They don't pay attention to old wives’ tales, because they know they don't work. Here's why this is important. The pros, they all understand that half the job is educating your clients to pay down balances. Generally speaking, the more available credit you have, the better your score will be. So keep your credit card utilization down as low as possible, like never spend more than 30% of the available credit line and advise your clients to stop applying for anything unless of course they have no credit and they need to establish some in the grand scheme of things. The only credit bureaus that matter are Equifax, Experian, and TransUnion. Any service that offers try and merge reports scores and credit monitoring is a reseller of data from those same three bureaus. The only reason credit scores might vary from one credit monitoring service to the next is because they sometimes use different scoring models which has have different algorithms, and they calculate the scores differently. But scores shouldn't really matter to you scores are irrelevant. What really matters is that you correct the errors. That's what you're being paid to do, and to educate the client to change their habits so they don't end up in trouble again. And if you just do those two things, the scores going to increase. Okay, so here's what you really need to know. The only things that matter are these facts. If you can identify the error and have any supporting documentation at all. Just state the facts and point to the evidence, don't get carried away and dispute too many items all at once. The experts, they all agree that disputing no more than five items per month per bureau will get you consistent. positive results. In fact, the biggest credit repair company in the world. I don't want to say their name out loud, but their initials are Lexington Law. Well, they only dispute two or three items a month. I think five is good. Some people send more and that's okay. But if you're just starting out, my advice is - take it slow. Okay, it because if you're not careful here, and if you send too many disputes all at once, there's a very high chance that your disputes will get flagged as frivolous. And that can really slow down your progress. Be prepared for the credit bureaus and the furnishers to ignore you, to give you cringe-worthy responses, and to do everything within their power to convince you that they are not going to budge. That's their job. So this is expected okay, but credit repair. It's A fight that you cannot back down from, okay, you've got to be persistent and apply constant pressure, your clients are counting on you. So give them hell. If your disputes come back as verified, don't give up, you can send a warning, you can request the method of verification, you can file a complaint, or you can go directly to the furnisher and demand validation. And if that doesn't work, you can always start over at the beginning and you may get different results. Okay, you will truly be amazed at how just a little bit of persistence and pressure can move mountains. In the end, the truth is the color of the ink the style of a font, a magic letter, or the color of your socks or what you had for breakfast. They have zero bearing on your success. It's your knowledge And your determination that will really move the needle, just like it did for one of our Millionaires Club members. Samuel Naquin. Okay. Samuel is from Austin, Texas. He has a passion for educating people in his community, beyond just the deletions and corrections. He serves over 1000 clients every month. And he serves them by helping them to understand that if they've gotten rejected on a whole-blown, it's not a No, it's just not right now. And he knows that he can truly change lives by educating people on things they can do differently, to help increase their score, and to really make their dreams come true. And he does it without gimmicks, without tricks. Just results for his client. We love Samuel and he's doing an amazing job out there in Texas. So if you're just starting your business, and you're finding yourself trapped by all these crazy ideas about how to trick the system, and if you want to know how to do battle with the credit bureaus and the debt collectors, and actually win we've got a program that will not only certify you in disputing, but it will also give you hyper-focused attention as we hold you by the hand while you launch your credit repair business. It's called the Credit Hero Challenge. And I want to invite you to join today. And if you're finding value in the things I'm sharing on this podcast, click below to subscribe because I don't want you to miss any episodes. And if you're feeling kind, rate me and give me a review because this is a new podcast and I can use all the help I can get. And if you have a question or comment, leave it down below, I will answer it. Okay? And I will see you on the next episode. So until then, keep changing lives. 


Hey, everybody, it's Daniel again. And really quick, I'd like to invite you to join what I believe is the best thing we have ever created inside the Credit Repair Cloud Community. And it is a challenge that we call the Credit Hero Challenge. If you're just planning out your business or you're just getting started, and you dream of having a successful business your own, so you can quit your nine to five and fire your boss and have financial freedom, or so you can add another revenue stream to your existing business, if that's your dream, you need to get into this challenge. We created this challenge to help you to create and launch your very own credit repair business. To build a proper foundation for a really successful business. This challenge is going to help you to understand the strategy, the tactics and all the things you need to be successful at credit repair. It really is the greatest thing we have ever built, and it will change your life. So I recommend you do it right now. Stop everything, pause this audio, go online, and go to creditherochallenge.com. That's creditherochallenge.com and join the next challenge. And there's a challenge that's starting in just a few days. So go get started right now at creditherochallenge.com.

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