Author Archive for mikec
Michael Citron is the CEO of DisputeSuite.com, Michael is an internationally recognized public speaker and author. He lectures for professional associations worldwide. Michael has authored numerous articles on credit repair, loan modifications, short sales and marketing. His recently published book “The Art of the Short Sale” has instantly become a favorite for many of the nation’s premier real estate experts.
What to Do About Transferred Loans Which Keep Showing Up?
I keep seeing mortgages where the loan was transferred and is listed in the negative area. How is this legal if they no longer own the debt?
“Account Information Disputed by Consumer” – How Is It Triggered?
I am a newbie. I just saw a credit report which had “account information disputed by consumer” (meets requirement of the Fair Credit Reporting Act). How is this triggered? How do we go about eliminating it?
What If Only the Original Creditor is Provided as Validation?
When validating, what if you get a response from them saying that they only need to provide the name and address of the original creditor?
What Do You Think About the Net Branch Concept?
I would like to get your thoughts on some of the particulars of expanding through the net branch concept. I have a friend who would like me to allow him to open a net branch in Dallas under Upgrade My Credit. I am not sure of the best way to do it. [...]
How Are Collection Agency Inquiries Classified?
Does a collection agency inquiry (skip tracing) count as a hard inquiry?
What Are the Best Sources for Getting All 3 Credit Reports?
I tried myfico.com as you suggested but I see only the Equifax credit report which may not have some accounts that are listed on the other 2 bureaus (this is actually the case in the first test I ran with a customer). Please advise.
What Are Good Dispute Reasons?
You mentioned in the last webinar, the “not mine” dispute strategy is gone old; what other dispute reasons do you suggest we use?
What Do I Do if the X’s Info is on My Client’s Credit Report?
What Do You Suggest for Handling Divorced Partner’s Info Appearing on Your Client’s Credit Report?
How Do You Deal with CRA Delaying Tactics, such as Verifying the Address?
One of the most common delaying tactics by the CRAs is to delay the process by asking for Verification of Address, which of course buys them more time. I have consulted other Credit Dispute companies on this and they say to handle it as a non-response. I have the consumer write the CRA: [...]
Can you Bypass the Credit Bureaus During the Credit Repair Process?
When a client has a late payment on his credit card, mortgage, or car loan, could you call the original creditor to correct the late payment reporting without going through the credit bureaus? If so, what are the steps to clearing a late payment on a credit report on behalf of your client with the [...]
