Federal Laws That Supports Our Success
Credit Bureau Dispute Process
17 Laws of the FCRA and FDCPA We Utilize to Succeed
| Who | Why | Precedent/Law | Fine |
|---|---|---|---|
| Creditors if they report your credit history inaccurately | Injury to your credit report and credit score | FCRA Section 604 (A)(3) | $2500 |
| Collection agencies if they do not validate your debt yet continue to pursue collection activity (file for judgments, call or write you) | Consumer protection afforded by the FDCPA | FDCPA Section 809 (b), FTC opinion letter Cass from LeFevre (See Appendix B). | $1000 |
| Credit bureaus if they do not remove your accounts after requesting consumer contract with signature on it | Consumer protection afforded by the FCRA | FCRA Section 609 (a)(1)(A) | Up to $15,000 |
| Credit bureaus if they fail to respond to your written disputes within 30 days (a 15 day extension may be granted if they receive information from the creditor within the first 30 days) | Consumer protection afforded by the FCRA | FCRA Section 611 Part (A)(1) | $2500 |
| The collection agency can not use any kind of harassment or abuse** | Consumer protection afforded by the FDCPA | FDCPA Section 806 | $1000 |
| Collection agencies if they have not validated your debt and they still continue to report to the credit bureaus | Consumer protection afforded by the FDCPA | Section 809 (b), FTC opinion letter Cass from LeFevre (See Appendix B). | $1000 |
| Credit bureaus if they refuse to correct information after being provided proof | Defamation, willful injury | FCRA Section 623 CUSHMAN VS. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed (D.C. No. 95-cv-01743). | Extent of damages incurred by the wronged party, as deemed by the courts |
| Credit bureaus if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. | Consumer protection afforded by the FCRA | FCRA SECTION 611 Part (A)(5)(B)(ii) | $2500 |
| Creditors or collection agencies, and credit bureaus if they try and “Re-age” your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer | Consumer protection afforded by the FCRA | FCRA Section 605 (c) Running of the reporting period | $1000 |
| Collection agencies if you have sent them a cease and desist letter and they still call you | Consumer protection afforded by the FDCPA | FDCPA Section 805 (c) | $1000 |
| Collection agencies if they: Cash a post-dated check before the date on the check Cost you money by making you accept collect calls or COD mail Take or threaten to take any personal property without a judgment | Consumer protection afforded by the FDCPA | FDCPA Section 808 | $1000 |
| Calls you after 8 PM at night or before 9 AM | Consumer protection afforded by the FDCPA | FDCPA Section 805. (a)(1) | $1000 |
| Calls you at your place of employment if the debt collector knows or has reason to know that your employer prohibits the consumer from receiving such communication. | Consumer protection afforded by the FDCPA | FDCPA Section 805. (a)(3) | $1000 |
| Calls any third part about your debt like friends, neighbors, relatives, etc. However they can contact your attorney, a consumer reporting agency, the creditor, the attorney of the creditor, or the attorney of the debt collector. | Consumer protection afforded by the FDCPA | FDCPA Section 805. (b) | $1000 |
| Collector cannot claim to garnish your wages, seize property or have you arrested *** | Consumer protection afforded by the FDCPA | FDCPA Section 807 | $1000 |
| Collector must sue you in a county in which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuit | Consumer protection afforded by the FDCPA | FDCPA Section 811 (a) (2) | $1000 Also a good grounds for getting a judgment vacated |
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Complete Guide to Legally Dealing with Collection Agencies and Creditors
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The Credit Card Shopping Cart Trick (How to Get Lines of Credit Without Entering SSN)
Great Great Product! Just simply follow instructions. It changed my life immediately. Best money I've spent and quite some time. Great investment!!!
I will start off by saying I am not affiliated with this company by any means, I am just a PROUD customer. Every question that I have had has been responded to FAST and with a clear understanding. So if you reading this and you are like me someone that was searching the web for weeks on credit repair. Look no further! It's WELL worth it or worth letting them do it for you. Thanks my man, good peoples here!
I mailed our first round of letters on 10/18/17 and the bureaus confirmed my receipt on 10/14/17. I recently received a notification last week via Credit Karma that all 29 derogatory items were deleted from my credit file! I'm very hopeful about the second round!
Before working with Credit Healing I had a credit score of 631 to 642.. While on YouTube searching, I found a Credit Healing video. At first I was skeptical and curious, so I sent Credit Healing an email about the letters. Credit Healing quickly replied back and I knew right then and there this was the real thing! My credit score now is 795 and 790. Just order the packet and if you have any question Credit Healing will guide you!
I sent my dispute letters on September 15, 2017 and got my results. My credit score was about 640. I had 3 derogatory items and nine hard inquiries. My Equifax score is now 750. It went up 139 points! Thanks brother because I could've spent a lot of money with some money hungry credit repair company out there. I'll keep you updated with my second round.
