In the credit forums where lonely trolls lurk to argue about credit, you’ll hear some outrageous whoppers:
- “Write dispute letters in different fonts and different colors”
- “Use colored paper”
- “Use a ‘word spinner’ to jumble the words and “trick the system.”
- One company’s credit reports and scores are more accurate than another.
These are all silly wives tales. Just because someone wrote it on the internet doesn’t make it true.
Some of the biggest credit repair companies in America run on our software. These are companies with thousands of clients and making millions of dollars. Our top users all agree that credit repair isn’t about tricking a system. It’s about using the law in your favor and stating “facts.” It’s about knowing that 8 out of 10 reports have errors and the errors will come off the easiest. It’s about helping victims of identity theft. It’s about educating your clients to handle their finances differently. It’s about doing a service for your community.
Yes, you can remove items that are accurate,but it won’t be by a trick, it is because creditors can’t always respond within 30 days, they may have lost the records, or they don’t have your client’s signature, or they can’t prove that it’s verified and because time is on your side.
Our most successful users don’t pay attention to old wives tales. They know the only things that matter are:
- Never dispute more than 5 items per month, or the disputes will all be thrown out as “frivolous.”
- The biggest Credit Repair Company in America disputes only 2-3 items per month.
- If a items come back as “verified,” they challenge the verification.
- Sometimes they may also negotiate the items deletion.
- They all understand that half the job is educating clients to pay down balances, keep credit card spending below 25% of the credit line and to stop applying for new credit.
The color of the ink, the style of the font, jumbling words around, the color of your socks or what you’ve had for breakfast have no bearing on the success of the dispute letter. All that matters are the facts that you present.
In the great scheme of things, the only credit bureaus that matter are Equifax, Experian and TransUnion. Any service that offers tri-merge reports, scores and credit monitoring is a reseller of data for the credit bureaus. Therefore their reports and scores are coming right from the horses mouth. The only reason they would be different from one to another is that a score can fluctuate daily, depending on the status of your accounts.
The other fascinating thing we learned from the largest companies in credit repair is that they do not care about credit scores. Scores are irrelevant. All that matters is that you correct the errors. That’s what you’re being paid to do: to correct errors, process documents, send letters, and to educate the client so they don’t end up in trouble again after your work is done, and for that, they pay you well and refer their friends.
Thanks for reading!