The Fair Credit Reporting Act (FCRA) requires Credit Bureaus to remove all incorrect and/or unverifiable information from your Credit Report, however, their systems and procedures have been set up to automatically read, classify, and dispose of Credit Disputes they receive as fast as possible, without any human intervention at all, and without any real verification of the information aside from a quick automated check into the creditor’s reporting system.
The problem here is that the default actions are all done by computers to ask creditors if the information in their system is correct, and if they confirm the information, which they always do, then the negative Item is not removed. This so-called Verification Process happens within a few seconds and is fully automated, which means the Disputes Letters are never even seen or read by a human being, and no investigation is performed at all.
Here is the Dirty Little Secret
By not doing as the federal law states, the bureau’s system just spits back to the information reported by the creditor and claims the information was “Verified”. This dirty little secret is actually illegal, but the Credit Bureaus get away with it, thousands of times a day, every day, 365 days a year. The only way to get around their automated systems and get dispute letters read by a real human being is what we call “Forensic Credit Correction”.
The Forensic Credit Correction System was born helped by working for years side by side with a former Legal and Compliance Executive from Experian, widely regarded as the #1 expert in the credit correction world, and by working with hundreds of Mortgage and Real Estate Professionals to help thousands of people qualify for home loans and achieve the American Dream.
Know the (Your) Score
Knowing whats in your own credit report is the #1 thing you can do to begin taking control of your credit future.
Contact us now for a $1 tri-bureau credit report and a Free Evaluation and understanding of your credit score and history.
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