Solve your debt in 5 days or less!

 Union will usually send these letters as a clever way 
of extending their 30 day investigation period. You really 
have no choice but to accept their timetable. Just place the 
letter in the file and watch closely for the response to 
arrive on the date indicated in the letter. If no response 
comes, see item number one on the list.  
7. A letter announcing that your dispute has been forwarded 
to the appropriate credit bureau. If there is a local credit 
bureau involved in your dispute, the main credit bureau will 
forward your dispute to that bureau for verification. Count 
on an additional two week delay when this occurs.  
8. A new credit report showing the results of an 
investigation. This is the desired result. When you receive 
your new report, you should copy and carefully analyze the 
credit report for deletions or changes to perfect.  
Seeing Results
The easiest way to analyze the results of a successful 
challenge is to compare the newly investigated report with 
the previous report. You may simply go down the list of 
negative items and note the absences of negative listings or 
listings that were negative, but have become positive. You 
may also determine improvements by comparing information 
within the same credit report. Equifax and Trans Union now 
usually provide a list of items challenged and whether or 
not the items were changed, deleted, or verified as 
accurate. TRW has a list of items challenged at the back of 
the credit report. You may compare this list with the 
negatives remaining on the credit report to determine what 
progress has been made.  
As you receive the results of the credit bureau 
investigation, you will note that each disputed listing will 
have been handled in one of five different ways:  
1. The disputed listing was not investigated. Perhaps your 
dispute was not sufficiently clear, or perhaps the credit 
bureau simply chose to ignore your dispute. In either case, 
you will need to dispute the item again in your next dispute 
letter.  
2. The disputed item was investigated but verified as 
accurate. The creditor may have responded to the credit 
bureau's request for reverification, or the credit bureau 
may have simply faked the investigation to get you off their 
back. You have the right to dispute the listing again at a 
future time. In fact, the FTC has determined that the credit 
bureau may become responsible, in future disputes, to look 
deeper into the disputed item than simply asking the 
creditor to check their computer records.  
3. The disputed listing was investigated as to the 
correctness of the information within the listing such as 
late pay notations, and the listing was found to be 
inaccurate or unverifiable. In this case, the negative 
listing will now show up as a positive listing. This is the 
best possible outcome because now you will enjoy good credit 
once your report is cleared.  
4. The disputed listing was investigated as to whether or 
not the listings belong to you, and the listing was found to 
be inaccurate or unverifiable. In this case, the negative 
listing will disappear from the credit report altogether.  
5. The disputed listing was deleted or improved to perfect, 
but the negative listing was later verified and re-listed on 
the credit report. If a listing is verified by the creditor 
after the thirty day investigation period, the credit bureau 
can replace the listing on the credit report. When this 
occurs, see item number two. Whatever your response, 
restoring your credit is a cycle. If you receive 
disappointing results, remember that it took you some time 
to create your bad credit, and it will take a little time to 
restore your good credit. Collect your results, mark your 
calendar, and wait for the next acceptable dispute date. 
Don't forget to allow at least sixty days between disputes. 
 
Fourth Quarter Strategies 
The more you dispute the negative listings on your file, the 
more difficult it becomes to get a new investigation 
started. As you find the frequency of investigations and 
deletions dwindling, you must consider these Fourth Quarter 
Strategies.  
Threats 
Remember, the checker must sense that you are a legal threat 
to the credit bureau; that you might sue them if they don't 
follow through with their obligations. There are several 
reasonable threats to the credit bureaus that may make them 
stand up and take notice of your dispute -- regardless of 
how many times they've previously looked into the negative 
listing.  
1. "I have contacted a lawyer and am considering a lawsuit." 
Every day the credit bureaus are embroiled in consumer 
lawsuits, costing the credit bureaus hundreds of thousands 
of dollars in awards given to consumers. The credit bureaus 
pay even more to maintain the legal staff necessary to 
handle these cases. Technically, you may sue the credit 
bureaus every time they fail to comply with the Fair Credit 
Reporting Act. However, the most viable lawsuits are those 
from consumers with negative consumer information not 
belonging to them listed on the report. You must be careful 
about threatening to sue anyone. If you say, "I am going to 
sue you," you must really be intent on filing suit. You may, 
in any case, express your consideration of a lawsuit or 
steps you have taken to proceed with preliminary work, such 
as seeking counsel with an attorney. This threat shouldn't 
be overused, but don't forget that an average consumer being 
mistreated by the credit bureaus would almost always make 
such a threat. If you fail to mention the option of a 
lawsuit, your dispute will lack punch, especially after you 
have submitted numerous previous disputes.  
2. "I am filing a complaint with the Federal Trade 
Commission." The Federal Trade Commission (FTC) regulates 
and monitors the activities of the credit bureaus. The 
credit bureaus won't be crushed by a single complaint, but 
they would rather limit the number of complaints received by 
the FTC each year. As it now stands, the credit bureaus are 
the number one source of consumer complaints to the FTC. In 
order to file a complaint with the FTC, you may write: 
Federal Trade Commission Pennsylvania Ave. and Sixth St., 
N.W. Washington, D.C. 20580 WWW: www.ftc.gov Make sure that 
your complaint is brief and to the point. You may wish to