This method is what is practiced by the greater majority if credit repair practitioners. With this method, after having examined the credit report, all negative items are circled and challenged for various reasons such as date of last activity is incorrect, balance is inaccurate, etc. Requesting that it be investigated or deleted. This used to be a very effective method in the past. Now credit bureaus are choosing to update this incorrect information rather than deleting.

A 604 dispute letter asks credit bureaus to remove errors from your report that fall under section 604 of the Fair Credit Reporting Act (FCRA). While it might take some time, it's a viable option to protect your credit and improve your score.

A If you have bad credit or you’re trying to improve your credit score, you’ve probably heard of a 609 letter. A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It’s named after section 609 of the Fair Credit Reporting Act (FCRA), a federal law that protects consumers from unfair credit and collection practices. Though section 609 doesn’t say anything about disputing information in a credit report it gives consumers the right to all information used to calculate their credit score. .

A 611 credit dispute letter references Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. It is sent after a credit bureau has responded to a dispute that a negative item has been verified.

A What is the 623 Dispute Method? Nothing fancy, really. The name 623 dispute method refers to section 623 of the Fair Credit Reporting Act (FCRA). The method allows you to dispute a debt directly with the creditor in question as long as you have already filed your complaint with the credit bureau and completed their process. The creditor must by law respond to your request, which will take the form of a verification letter. The 623 dispute method specifically deals with whether an entry on your credit report is complete and accurate. Creditors that hold your debt must, at any time, be able to produce verification of the debt. The 623 method “takes advantage” of how much information is required for a creditor to actually validate a debt. If there truly is an incorrect entry on your report, they will not be able to validate the debt, and you’ll be able to pursue repairing your credit.

Metro 2 Compliance is a powerfully affective process of requesting e-OSCAR to verify whether items on your credit reports meet compliance standards. This solution forces e-OSCAR to work to your benefit, not the benefit of the Credit Reporting Agencies. There is a Difference between a traditional credit dispute and a Metro 2 Compliance based request via e-OSCAR. The Metro 2 Compliance request is a tactic of credit enhancement that requests that triggers e-OSCAR to electronically evaluate whether the all data was mandatorily perfect and complete Metro 2 Formatted Reporting Standards was properly reported within the compliance standards set forth by the FCRA. The FCRA requires that only data which is Factually Documented to be physically verified as fully true, correct, complete as reported, timely in reporting, of a known responsibility and ownership, or else wisely validated.

The Factual Dispute Methodology is an important distinction for credit repair companies who seek to help people restore their standing by referencing the Fair Credit Reporting Act (FCRA) to dispute inaccurate information. Nearly 80 percent of all credit reports in the US have inaccuracies that need to be modified. This method has proven to be as high as a 90% success rate from removing negative information off of once credit report. This methodology coupled with traditional credit disputing, I have found to be, by far, the most effective way of removing derogatory information contained in ones credit report. The best thing, in contrast to several other methods, is that no one has to lie and say a debt is not their or they don't know anything about it.