Credit fix report means not sending worthless template “Never Late” or “Not Mine” dispute letters. Are you clear on this? Do not send template dispute letters or…worse…dispute letters vaguely citing your dispute (that is, “Not Mine.”)
For one moment, step back and listen carefully. Yes, federal law places the burden of proof on your creditors and the BIG 3 to report each of your accounts 100% accurately.
Now, get this thought out of your mind! Reality is, you must force your creditors and BIG 3 into a corner….yes, a corner.
Here’s why: the BIG 3 will dismiss a vague dispute. There’s a much better way of disputing without doing their work for them…much better than wasting your time and money on “Not Mine” disputes.
This is another common question…so common that if I had a nickel for each time I hear it I’d be financially well off. 
Question: “I disputed a debt as “never late” and it came back verified. What do I do next? ” –Damisha J., Atlanta, GA
HERE’S A BETTER DISPUTE LETTER
Damisha, please don’t send template dispute letters, especially VAGUE dispute letters. You made a couple mistakes but I don’t think any damage has been done.
MISTAKE #1: You sent a worthless dispute letter by no fault of your own. Chances are, you visited one or many of these freebie sites with people sounding as if they know what the hell they’re talking about. Somebody made sense by suggesting “burden of proof” and that you simply need to force the “Furnisher” to verify or violate.
In theory, this is 100% accurate. Your creditors (or debt collectors) do have burden of proof. THEY, not you, must report 100% accurately and must confirm everything reported is accurate.
MISTAKE #2: Sending a “Never Late” dispute certified mail, return receipt requested wastes your money!
The Big 3 look into their system and if your name is there and it says late – consider it verified. From that point forward, any future disputes of this account will come back “previously verified” and you’re screwed.
Instead, think strategically. Before firing off a dispute letter, study your reports for just a moment. Look at the codes mistakenly showing when they claim you were LATE.
When you see the July 2007 LATE, send your dispute letter with the following simple & effective wording, ”I was not late in July 2007as reported.”
Pretty simple, huh? This tiny change makes a huge difference. Here’s why. You now are forcing the bureaus to go beyond it’s automated verification system…the Big 3 should get on the phone to the Furnisher (that is, original creditor, debt collector or junk debt buyer) and verify this dispute. But they don’t.
The Big 3 rely on their automated system.
If the Big 3 ignore your dispute & respond with one of their famous “verified as accurate” response letters, you still have options like…
“I was never late in the month you are stating.” I am invoking the “METHOD OF VERIFICATION” strategy as explained in detail in my book, “The Busy Person’s Credit Makeover.”
You see, this is one reason (of many reasons) I called them credit (dis)repair companies. For your $99.95 /month, all they do is fire off these template dispute letters…on your behalf. Oh yeah, they claim to have CUSTOM dispute letters modified to match your situation.
Translation: They use the same crappy letters with the name & address modified. Big frickin’ deal!
Again, I repeat, don’t use template dispute letters. This one example clearly shows you exactly how to send a much more effective letter based on STRATEGY!
Speaking of strategy, I do not want to see you get sued because you failed to consider strategy before firing off a dispute letter…any dispute letter (even the type of dispute I’m suggesting). You must know how to “mine for deletions.”
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