Industry standards set up by the CRAs are in their book entitled the Credit Reporting Resource Guide (“CRRG”). This book is the bible in the credit industry. In that book, you will find all of the credit reporting standards required of furnishers. The CRRG is a very closely guarded secret in the industry. You cannot buy one unless you are a furnisher. We managed to get their 2011 version and working hard to get an updated one.
Credit Reporting Resource Guide
CRO Bonding Requirement By State
BCCC Training Manual Disputes Letters in Word
Sample Dispute Letters Word Doc
Sample Dispute Letters Word Docx
How To Beat A Credit Card Lawsuit
Download All Forms Below (please note some docs may not be included)
- CCA – Default CRO Agreement- Compliant HTML
- Limited Power of Attorney
- Sample Record Retention Policy
- Sample Privacy Policy
- Sample Website Privacy Policy
- Sample Refund Policy
- Sample Client’s Welcome
Sample Credit Repair-AFFILIATE AGREEMENT – Docx
Sample Detailed Validation For Lender And 3 CRAs
Increasing FICO Scores Overview
Sample Credit Repair Agreement
Sample-Credit-Repair-Pay-Per Deletion Agreement -Docx
Sample Contract EXHIBIT A – DESCRIPTION OF SERVICE
Compliant Pay-Per Deletion Contract
Credit Restoration Preliminary Plan – PDF
Credit Restoration Preliminary Form – PDF
Credit Restoration Customer Preliminary – PDF
Credit Restoration Customer Preliminary – DOC
Credit Restoration Contract – PDF
Credit Restoration Contract – DOC
Credit Repair Dispute Tracking Worksheet
Credit Restoration Business Plan – PDF
Credit Restoration Business Plan
Credit Repair Power of Attorney – PDF
Identity Theft Victim’s Complaint and Affidavit – To be used for the GUARANTEED CREDIT DELETION PROCESS
Data-Furnisher-Communication – Find Violations based on this requirement.
Updated-McCarthy-Law-Top-FCRA-Errors Reasons they sue Credit Bureau.
Guidelines for Debt Buyers and ThirdPartyCollection Agencies
Freezing to stop public records and other things is not as effective anymore without the proper tactics because many are using Pacer to obtain this information. But there are opportunities to slow down this process with tactics in freezing your information. If Lexis Nexis is already reporting, it really won’t help to freeze as much but you employ a tactic to possibly slow the verification or make it difficult to verify. Our phone coaching team has a strategy to assist in optimizing this process. It will require a 30-minute coaching session. The key point is to challenge every name, address and other variation currently being reported and follow with a notarized affirmation statement or affidavit for each variation and sent to all subjects. It can be tedious but time-consuming but effective. Here are all the freeze sources.
Sage Stream Freeze this is how collection agency and most get their information. (get coaching for advanced techniques of freezing this source) Sage is formerly ID Analytics but they still have different URLs and addresses. It is a great ideal to challenge them both.
Suppression of Information from ID Analytics also this is how collection agency and most get their information. (get coaching for advanced techniques of freezing this source) 15253 Avenue of Science San Diego, CA 92128info@idanalytics.comTel: 858.312.6200Toll Free: 866.248.7344Fax: 858.451.9051
ARS (Advanced Resolution Services) You will want to do this with every name variation reported.
- ARS doesn’t have a website but here is their contact information: 5005 Rockside Road, Suite 600
Independence, OH 44131 or fax: 216-615-7642 - Send a registered mail confirmation delivery or fax asking for your credit report to be frozen
- Include all of the following information
- First and last name
- Social security number
- Full address
- Primary contact number
- Your signature
- Two forms of identification:
- A copy of a state-issued drivers license or state identification card.
- A copy of a U.S. passport (picture page only)
- A copy of an SSN card
- A copy of a birth certificate
- A copy of an Alien Registration Card
Security-Freeze-Instructions-FAQs-with-Letters
Powerful Inquires Dispute Letter
Send Dispute letters Certified Mail Online
Mailing From the comfort of your home.
My Fax is a source You can fax your disputes
SmartFax Is another source to fax your disputes
Help Your Client Build Credit with Self Lending
Are you seeking a Notary? Check with your Bank. Many will notarize a letter FREE if you have an account with them. We know that Bank of American and Chase will do and many more. Keep in mind that they can only notarize letters that you are sending and not your client unless they are present with you.
Gary Nitzkin -Attorney you can hire to write or look at your contract. 888-293-2882