Daniel RosenCredit Repair Business Mentor | Insights from 250+ Podcasts

This can ruin your credit repair disputes

1 Nov 2024 · 1 min

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0:48

Short YouTube clip (Daniel Rosen, Nov 1, 2024) discussing credit-report dispute strategy. Main point: disputing every negative item at once is counterproductive — disputing everything can lower the chance that genuinely inaccurate items get properly reinvestigated; targeted disputes and documenting client involvement (or using a credit-repair company properly) increase chances of reinvestigation; a failed reinvestigation can escalate to legal action involving an attorney.

Chapters

I think it's really important. A lot of people go in and they want to dispute every single thing that's negative on the report all at once. They're in a hurry.
I would not suggest that as a good tactic if you were trying to get something that is actually inaccurate. I'm talking something that's factually wrong. If you dispute everything, the stuff that is actually inaccurate has a less likelihood of being reviewed. It has a less likelihood of being reinvestigated because they might just come back as a SO letter and might not even look at it. It's okay for a credit repair company to help a consumer dispute. There's not something illegal about that. So when they come back and say they don't think the dispute came from the client and everything is attached saying that the client actually helped provide this information, then there's a better chance of it getting reinvestigated. And a failed reinvestigation leads to a case and then that's where you get an attorney involved.