EXPERT CREDIT SWEEPS’ DISPUTE CHEAT SHEET

www.expertcreditsweeps.com

(845) 481-0780 kristin@expertcreditsweeps.com

Dispute type Dispute method/section

Credit bureau Regular mail/fax
Creditor Regular mail/fax/certified mail
Non-credit card collection Certified mail
Unknown collection (non-cc) VOD collection agency/simple bureau dispute – section 609
Inaccurate charge-off 623 creditor/simple bureau dispute
Inaccurate late pays 623 creditor/simple bureau dispute
No response to disputes Consumer Financial Protection Bureau complaint
Failure to investigate Consumer Financial Protection Bureau complaint
Failure to prove ownership Consumer Financial Protection Bureau complaint
Failure to legally verify Consumer Financial Protection Bureau complaint
Willful negligence Consumer Financial Protection Bureau complaint/attorney general
Copies of application/paperwork Section 609 – bureaus only
Asking for reinvestigation Bureaus – section 1681
Burden of proof CUSHMAN v TRANSUNION 1997 – bureaus & creditors
Permission to report accounts Section 603 – bureaus
Repossession Bureaus – repos over 2 years template/under 2 years simple bureau dispute
Foreclosure Choose a few late pays to dispute – bureaus only
Unknown charge-off 623 creditor/609 bureaus
VOD Only used on non-credit card related collections
609 Bureau dispute only – do not send this to any creditors
603 Bureau dispute only – do not send this to any creditors
623 creditor Creditor dispute – right to dispute with your creditors after bureau disputes
623 bureau Bureau dispute
Bankruptcy Bureau dispute only – must be discharged or dismissed
Tax liens Lack of personal info that’s required to report per changes as of 7/1/17
Judgements Lack of personal info that’s required to report per changes as of 7/1/17
Evictions Lack of personal info that’s required to report per changes as of 7/1/17

There’s plenty more that I can list, but this gives you a starting place. I’ve had so many calls over the last 30 days where
consumers are using the incorrect sections to dispute, or are sending letter templates to dispute with the bureaus.
Remember – you are a regular consumer with real inaccuracies and issues on your credit file. You do not want to look
like a credit repair company! Make it simple.
 EXAMPLES

Here’s an example of a bureau dispute where the non-credit card collection account is unknown:

Date

Your info

Bureau name and address

I have no clue what this account is. Please remove it from my credit report and send me a new one showing it’s been
deleted.

Company name account #123

This account is unknown

Thank you,

Your name

Here’s an example of a bureau dispute where an account is showing late payments that are inaccurate:

Date

Your info

Bureau name and address

I was really surprised to see these late payments reporting on my account. Please adjust accordingly and send me a new
credit report reflecting these changes.

Company name account #123

I paid on time for May 2016 and July 2017. Please correct the account status and remove from the historical payment
data.

Thank you,

Your name

This is a simple cheat sheet you can keep on hand. I am not a lawyer and I do not offer legal services. This is simply to
give a better understanding of what to do and what not to do with your personal credit repair.

If you would like a free consultation to determine if Expert Credit Sweeps can be of assistance to you, we’d love to chat!

https://www.expertcreditsweeps.com/book-online