Credit Repair Business Tips and Strategies

Do Free Listings and Classifieds Increase Business?

mikec — Wed, 10 Mar 2010 13:01:46 +0000

Is it possible to do a good amount of business just by placing free listings and free classified ads on websites like Craig’s List and so on?

What to Do About Transferred Loans Which Keep Showing Up?

mikec — Tue, 09 Mar 2010 13:01:05 +0000

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?

mikec — Mon, 08 Mar 2010 13:01:44 +0000

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?

mikec — Sun, 07 Mar 2010 13:01:04 +0000

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?

mikec — Sat, 06 Mar 2010 13:01:29 +0000

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. Your thoughts, ideas, suggestions, etc.?

How Are Collection Agency Inquiries Classified?

mikec — Fri, 05 Mar 2010 13:01:39 +0000

Does a collection agency inquiry (skip tracing) count as a hard inquiry?

What Are the Best Sources for Getting All 3 Credit Reports?

mikec — Thu, 04 Mar 2010 13:01:06 +0000

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?

mikec — Wed, 03 Mar 2010 13:01:16 +0000

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?

mikec — Tue, 02 Mar 2010 13:01:04 +0000

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?

mikec — Mon, 01 Mar 2010 13:01:19 +0000

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: “That I asked you to verify my debt, not my address.” I don’t really think it matters all that much, since we are trying to build a case against the CRA anyway through a 3-letter process, so what the CRA says in the first round or two becomes largely irrelevant, as long as CONSUMER KEEPS COPIES OF ALL THEIR DISPUTES, and keeps a written record. What is your take on this attempt to ignore, delay and confuse the consumer?