There are hundreds of credit repair strategies you may read about in blogs and forums. Tricks abound; legal angles, interpretations of Fair Credit Reporting Act requirements, ways to leverage FTC staff opinion letters, you name it. Many of these strategies have merit – but unless you plan to sue the credit bureaus you are better off limiting your credit repair effort to simple techniques that deliver consistent results.
Finding the Ways That Work
An example of a practice that looks great on paper, but produces only tenuous results is the FCRA Section 623 Original Creditor Dispute which we have written about recently. It is exciting to find an angle that looks like it might solve a problem, but if the subtleties of the law – or realities of life – eliminate the leverage you thought we had, what is the point?
Credit repair, when focused on areas where you have genuine leverage, legally and in practice, is incredibly powerful. The credit bureaus may not process every single dispute letter to your satisfaction, but they have a reliable dispute processing system in place and if you are persistent and skillful you will get great results. Likewise, if you have collector issues, debt validation is almost always productive; as long as you align your effort with the Fair Debt Collection Practices Act collectors will almost always comply.
The Sky Blue Credit Repair method is built around the practices that work most effectively. We utilize only the techniques where we have leverage – and we work smart. Where there is a way to get more value from a technique we capitalize on it. For example, if a disputed account is verified by the credit bureaus we do not simply send another dispute letter out in the hope of getting a different result, we respond to the verification by requesting further research, making our dispute letters an ongoing dialog. All of our techniques are similarly fine-tuned for the best results.
Our program is designed to deliver the best value and the most dramatic results in the most efficient manner, at the least cost to you. The path to great credit is clear. Do you need help getting on track? Feel free to give a call!