This short transcript excerpt records a conversation (Daniel Rosen asking) about impactful credit repair strategies. Speaker B highlights learning how to dispute and remove bankruptcies (via LexisNexis and sending letters to credit bureaus) as a 'game changer', and notes the value of learning about suing debt collectors and Fair Debt Collection Practices Act violations from Vance Dotson.
Of all the credit repair strategies you've learned, what's one that was a real game changer?
I would say the bankruptcy. Before I knew how to dispute a bankruptcy, it felt like I would never get bankruptcies off. But then when I learned about how to dispute a bankruptcy, how to go to LexisNexis, how to dispute it with them, and get them to get it off, and then send that letter to the credit bureaus to have them take it off, that was a game changer for me. Also, I've learned a lot from Vance Dotson. He actually speaks a lot about suing debt collectors and how you can actually pin the violations that these third party junk debt collectors are using against us. The tactics a lot of times that they're using to collect on these alleged debts, they are violations of the Fair Debt Collection Practices Act. So just educating myself on that was a huge game changer.
