Whether you’re working on your own credit or your credit repair client’s credit, you’re in a hurry! There’s a car to finance or a house to buy and it’s all dependent on one simple score.
So how fast can you rush the process?
How many disputes can you send out at one time without causing issues with the bureaus?
Two items?
Five, ten…. Twenty?
Or maybe you can just dispute as many items as you want!?
This has been an ongoing debate since the beginning of the industry decades ago.
So, in this article, I’ll share the secret answer to these questions once and for all.
How many disputes should you send at one time?
First, understand that it is totally legal to dispute everything on a credit report in one shot...
However, the bureaus will nearly always flag them.
This is because when too many items are disputed at one time, they almost always assume the disputes are being sent from a credit repair organization and may consider or deem all of the disputes frivolous.
But why?
And what does that mean?
Under section 623 of the Fair Credit Reporting Act, the bureaus and furnishers of information are not required to investigate a direct dispute if the furnisher has reasonably determined that the dispute is frivolous or irrelevant.
Disputing too many items at once is a sure way to be deemed frivolous.
So, how many are too many?
That depends on who you ask.
I asked a bunch of the top credit repair business owners and experts out there.
And do you want to know what the overwhelming majority said?
They all said the same thing!
You should never dispute more than 5 items at one time!
5 seems to be the secret number that allows you to make progress reasonably quickly, without flagging your disputes as frivolous with the bureaus.
This is so important because if you get flagged the bureau may refuse future disputes, and at the very least it’ll significantly slow down the process and overall results.
So, even though the round 1 letter in Credit Repair Cloud allows you to dispute as many items as you wish on one letter, you should limit the number of disputes to a maximum of 5 items per cycle.
Don’t get impatient.
Take your time with a systematic approach of only a handful of disputes at any given time and you'll be pleasantly surprised that sometimes less is more.
And if you want to use our proven and effective methods we teach in our Basic Disputing Course for verification, disputing accounts, sending warnings, being persistent with reinvestigations, doing interventions, filing complaints, demanding validation, and a ton of other real strategies that actually get you results...
I’m offering that certification course for FREE inside our 14-day Credit Hero Challenge, where we walk you by the hand as you launch your very own credit repair business in just a couple of weeks AND for less than it costs to bring your family to McDonald’s for dinner.
To join the challenge and get the Basic Disputing certification course for free, go to CreditHeroChallenge.com.