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)

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


Compliant Pay-Per Deletion Contract


Sample Affiliate Agreement

Credit Services Intake Forms

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

Getting Rid of Student Loans

Credit Forum – Credit Resources and what credit bureaus creditor’s use when pulling credit. Become A member

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.

Lexis Nexis Security Freeze 

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 By State

609 Main Dispute Letter

Powerful Inquires Dispute Letter

Help with Student Loans

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

Difference between Foreclosure and Short Sale

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