How do you effectively hold the credit bureaus accountable to the law? This slideshare will show you the way.

1. How To Get Erroneous Account Deleted
CREDIT DUSTERS | UNLEASHED
Holding The Credit Bureaus Accountable
http://www.creditdusters.com

2. How To Get Erroneous Account Deleted
CREDIT DUSTERS | UNLEASHED
Holding The Credit Bureaus Accountable
A brief history of the Fair Credit Reporting Act
http://www.creditdusters.com

3. How To Get Erroneous Account Deleted
CREDIT DUSTERS | UNLEASHED
Holding The Credit Bureaus Accountable
Understanding the past helps to see the present
• Passed in 1970
• Gave massive power to consumers
• Force the credit bureaus to maintain accurate information
• A framework for the dispute process
http://www.creditdusters.com

4. How To Get Erroneous Account Deleted
CREDIT DUSTERS | UNLEASHED
Holding The Credit Bureaus Accountable
The State of Present
Section 611 of the FCRA is what gives us the power to dispute the accuracy of
an entire account. In this way, we are able to have items we believe are wrong
completely deleted from our account.
http://www.creditdusters.com

5. How To Get Erroneous Account Deleted
CREDIT DUSTERS | UNLEASHED
Holding The Credit Bureaus Accountable
Definition of Dispute
Dispute simply means that you disagree with the account and/or information
within the account (i.e. late payments, amount due, open date)..
WHAT
IS
a ?
http://www.creditdusters.com

6. How To Get Erroneous Account Deleted
CREDIT DUSTERS | UNLEASHED
Holding The Credit Bureaus Accountable
Tackling some myths of dispute process
• It is not wise to send supporting documentation when attempting
to get an account deleted
• Paying off collections does not delete the account
http://www.creditdusters.com

7. How To Get Erroneous Account Deleted
CREDIT DUSTERS | UNLEASHED
Holding The Credit Bureaus Accountable
The true power behind the dispute process
• The burden of proof concept when it comes to credit repair.
• Take a holistic approach and work on all accounts you believe are
not correct.
• Categorize accounts based on the reported credit bureau
• Accounts need to be listed with the name of company, account
number, and the amount – all this from the report.
http://www.creditdusters.com

8. How To Get Erroneous Account Deleted
CREDIT DUSTERS | UNLEASHED
Holding The Credit Bureaus Accountable
The Dispute Letter
• Full Name
• Address
• Driver’s License (need to match address provided)
• Cell Phone or any recurring bill (If License does not match address provided)
• Social Security Number & Date of Birth
The contents need to include:
http://www.creditdusters.com

9. How To Get Erroneous Account Deleted
CREDIT DUSTERS | UNLEASHED
Holding The Credit Bureaus Accountable
The Dispute Letter
The Body of Dispute:
A paragraph stating you have been turned down for important credit due to the erroneous
accounts on your report. You are aware of the law under the FCRA and your rights.
The letter will then list out all the accounts you believe are not yours including the name of
the company, the account number as shown on the credit report, and the amount.
http://www.creditdusters.com

10. How To Get Erroneous Account Deleted
CREDIT DUSTERS | UNLEASHED
Holding The Credit Bureaus Accountable
Mail The Letter(s)
Experian
P.O. Box 9701
Allen, TX 75013
TransUnion, LLC
P.O. Box 2000
Chester, PA 19022
Equifax Credit Information Services, Inc.
P.O. Box 740256
Atlanta, GA 30374
http://www.creditdusters.com

11. How To Get Erroneous Account Deleted
CREDIT DUSTERS | UNLEASHED
Holding The Credit Bureaus Accountable
Wait 30 days and pull your credit report
http://www.creditdusters.com
The credit bureaus have 30 days to complete the review of the dispute. After 30 days from the
Point you sent the letters pull your credit report and compare it with the previous report.

12. How To Get Erroneous Account Deleted
CREDIT DUSTERS | UNLEASHED
Holding The Credit Bureaus Accountable
http://www.creditdusters.com
The Self-StarterA 60 day guided credit repair program • Easy step by step tutorials to achieve
your credit score goals
• All of the tools and resources we
have used for 8+ years with our
clients
• Automated software that sends email
alerts when it is time to complete the
next task
Check out:
http://www.creditdusters.com/self-starter