Ah Im going to get some hate mail for this one. Heres one of my favorite sections from the FCRA and one of the most powerful tools in the credit repair industry.
609. Disclosures to consumers [15 U.S.C. § 1681g]
(a) Information on file; sources; report recipients. Every
consumer reporting agency shall,
upon request, and subject to 610(a)(1) [§ 1681h], clearly
and accurately disclose to the
consumer:
(1) All information
in the consumer's file at the time of the request except that--
(A) if the consumer
to whom the file relates requests that the first 5 digits of the
social security number (or similar identification number) of
the consumer not be included in the
disclosure and the consumer reporting agency has received
appropriate proof of the identity of the requester, the
consumer reporting
agency shall so truncate such number in such disclosure; and
Why cant these laws be written in plain English?! Well here is what credit repair companies read when they see it. "The consumer has the right to ask to verify with the bureaus any part of the reporting file". If they can't...well then the same rules apply.
So what does that mean? Well ask them to verify any part of the file that you want...what was the date of the signed contract? What was the address listed on the file? Did I put my dog as a reference? Be creative but clever with it
Sorry guys Im never going to give specifics because Im not in the business of putting these companies out of business. I just want to inform whoever reads this and if you get value and run with it...more power to you my friend.
As always. If your doing it yourself.
1. Copy of DL
2. Copy of SS card
3. Proof of address
4. Certify mail that puppy
5. Ask for physical verification ;-)
If you like this post please like this page and let me know what are some concerns about credit that I haven't addressed yet. Thanks for reading and share the knowledge, its power!
-Henry
"If you fail to plan, you plan to fail"
henry@creditconscience.com
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