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Use this worksheet and map to create your Stacking Workflow (using the Stacking Technique). This is b asically where you just become a huge pain in the behind and keep shooting at them with everything that you have.
You're going to break down your dispute letter and your dispute reasons and figure out whether to challenge or come at them with a new disputre reason.
You want to begin by looking at the following:
Was the account verified?
If yes, should you challenge or use a new dispute reason?
Should you use a simple request letter or a demand dispute letter?
Do you have a higher probability of result with a CFPB complaint or not?
Shoul you write the original creditor or the collection agency?
To achieve the highest number of deletions and the highest FICO, you need to learn to break down the process and use the best ammo against them. Attack the FCRA violations and don't let them slide. YOU are the one that is in control of what deletions/corrections you receive!
If you need help and want me to take over your credit sweep, use sthe link below to schedule a free discovery call and I will help you if I can. (and if it is a good fit)
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