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are disputing the existence of the listing or just the 
information within the listing. They cannot begin an 
investigation unless they know whether you believe the 
listing doesn't belong on your report at all, or if you 
believe the information on the listing should be changed. If 
you are unclear about the nature of your dispute, the credit 
bureau will promptly return your letter. If you dispute a 
listing on the basis that you were "not late," and if the 
credit bureau fails to verify the listing, then the listing 
will be perfected and appear as a positive listing. If you 
dispute a listing on the basis that it is "not mine," and if 
the credit bureau fails to verify the listing, then the 
listing will disappear from the credit report altogether. 
Since a positive listing is much better than no listing at 
all, you should dispute all simple late pay listings as a 
"not late" type of dispute. All others must be disputed on 
the basis that they may not belong to you.  
Commandment Three: Always tell the credit bureau the desired 
outcome of the investigation. You must always include what 
you would like done with the listing. There are two options: 
delete the entire listing, or erase the late pay notation 
within the listing. Don't bother challenging the information 
within a collection listing, charge-off, court record, 
repossession, foreclosure, or settled account. As the basic 
nature of these listings is negative, changing the 
information within the listing will yield no improvement. 
Severely negative listings, such as these, must be disputed 
on the basis of complete deletion or not be disputed at all. 
 
Commandment Four: Always provide a reason for your dispute. 
If you don't give some kind of explanation as to why you 
think the credit report is wrong, then the checker may 
return or ignore your dispute.  
Commandment Five: Always include indicators of authenticity 
in your dispute. Don't forget that the job of the checker is 
to reject irrelevant disputes and to investigate the bona 
fide disputes. You may ensure that your disputes sound 
authentic by adding things that only a true, frustrated 
consumer would write, such as "my son's a banker, and he 
mentioned that I could write you and you would clear up 
these mistakes." Original indicators of authenticity cannot 
be listed here, or they would cease to be effective, but you 
must get creative and always include sentences or phrases 
that will convince the credit bureau that you're for real.  
Commandment Six: Never sound like an expert. The credit 
bureaus receive over 10,000 disputes per day, and your 
dispute should look like any other. If you quote legal 
statute or you remind the credit bureaus of your rights 
under law, the checker will suspect that you read a book 
about credit repair or you are using a credit repair 
company. If the checker believes you are attempting to 
restore your credit, your dispute will be tossed in the 
"frivolous or irrelevant" bin.  
Commandment Seven: Become more insistent and more 
threatening with each dispute. As you submit one dispute 
after another, it will become increasingly difficult to get 
the checker to initiate an investigation. Your first one or 
two disputes should be friendly and polite. Just like any 
other consumer, you can become frustrated and threatening as 
time passes. You may threaten to hire an attorney; you may 
threaten to complain to the FTC and your state's attorney 
general, etc.  
Commandment Eight: Do not bombard the credit bureaus with 
disputes. Sending one dispute right after another is 
wasteful and counterproductive. You may send no more than 
one dispute every ninety days. If you dispute more often, 
the credit bureau will simply return the dispute as 
"frivolous or irrelevant."  
Commandment Nine: Use inaccuracies and inconsistencies as 
examples of how the credit listings are wrong. Remember that 
it will do you no good to change minor information contained 
in a severely negative listing. Use inaccuracies and 
inconsistencies as a basis of dispute. You will do well to 
use the other two credit reports to establish 
inconsistencies by comparing the other credit report to the 
report you are disputing. Remember, though, that you can 
only use another credit report for comparison if that report 
doesn't confirm negative credit listings that you are 
attempting to dispute.  
Commandment Ten: Create and utilize other techniques that 
help further the idea that the dispute letter is from a 
truly wronged and disadvantaged consumer. The checker is 
only interested in investigating disputes from consumers who 
have totally inaccurate credit reports due to credit bureau 
errors. In short, the checker only wants to help consumers 
who have a good case against the credit bureau and might 
likely sue them.  
According to the Fair Credit Reporting Act, the credit 
bureaus should legally investigate all disputes that are not 
"frivolous or irrelevant." In practice, the checker will 
only do what he or she has to do in order to avoid a 
lawsuit. For this reason, it becomes necessary to contrive 
all manner of strategy to compel the checker into doing what 
the credit bureaus should be doing anyway -- which is to 
conduct an investigation into every reasonable dispute.  
There are many other techniques used by credit restoration 
professionals, but you must figure those out on your own. It 
would render those techniques useless if they were 
published. As you may have noticed, only general strategies 
have been provided. If you earned a high Success Rating on 
the self-rating questionnaire Do you need the help of an 
Attorney , then you should be prepared and inclined to 
invent your own, effective techniques following the 
guidelines set forth in the Ten Commandments.  
Your dispute will be taken more seriously if you print it 
from your computer. If you don't own a home computer, seek a 
professional, as writing your disputes by hand or on a 
typewriter will take up enormous amounts of time and may 
yield disappointing results. With each copy of your credit 
report, you should find a form supplied by the credit bureau 
for disputing credit listings. You should not use these 
forms for your dispute letters. The form may force you to 
lie about your credit situation and thereby possibly break