Skip to main content

Credit Repair Janitor's Key Ring & Your Dispute Letters

I know you've seen a janitor's key ring before, right? They have like 100 different keys and it always takes 10 attempts at similar-looking keys to open the door. 
How is your dispute process any different? 

Imagine that John the Janitor needs to open the door to your office because you left your keys at home and he's the ONLY one with this key besides you. 

He pulls out this huge ring and starts using 1 key after another while you just stand there and wait. 

You need to get into your office. You're late and you just don't have time for this, but it's either wait for John to find the key or go all the way home and do this yourself. 

The 1st choice was the most promising, but unfortunately it doesn't work.  

Neither does the 2nd. What sux is that each time the key doesn't work, John has to find a new one, stick it into the key hold (or attempt to) and see if it works or even fits. It means more time that you have to stand there and wait. 

On the 3rd attempt, same thing happens. 

You see, now you're annoyed. You have an 8am meeting on your office phone - read: OFFICE phone - and the # you need to call is sitting next to the phone instead of in your bag. It wouldn't really matter but this call is with a very important client that you need to close to keep your numbers. 

4th attempt. 

5th attempt. You're ready to break the door down or push John through it. Either one would be fine. 

6th attempt. What the heck is going on? Why does the world suck so bad today? 

Wait, you realize that YOU are the one the left YOUR keys that YOU are responsible for in YOUR house and the John is doing you a favor because he's the only other person with a key. Without John, you have to drive an hour back home and then an hour to return. Not a good game plan. What does this mean? It means this is your fault and that if you had made sure the key was on you instead of the kitchen table, you wouldn't be in the predicament. 

7th attempt. No cookie. 

You send an email to your hope-to-close-client letting them know that you will be calling shortly and that you were held up. 

8th. 9th. 

Finally, on the 10th attempt John succeeds. 

So, how does this really pertain to your dispute letters? 

It's easy: 

  1. You put yourself in this position and left your "keys" at "home", right? 
  2. You hire someone for credit repair or you do your own dispute letters. 
  3. While you realize that it's not an easy process, you get frustrated with the timing because you just can't seem to find the right key to open the door. 
  4. Key = dispute reason
  5. Door = deletion

I use this example because there are like 100+ dispute reasons you can use per account but only ONE of them is going to open that door to the deletion and the only way that you'll find out is to go through the process. 

This is why it is so important to know which key does what. What type of door it goes to, etc. This way, you cut down on the process time by only using the "keys" that are most likely to open the "door". 

Still looking for help or need someone to process your dispute letters for you? Schedule a call with me today at


Popular posts from this blog

1000s of collections removed with this FREE VOD letter!

I'm giving you the 1st of a 4-letter collection removal campaign that's removed thousands of collections in the past 12 months for FREE! You'll find the link to the letter in the video. Believe me, if you're even 1/2 as successful as my other clients, you'll be very, very impressed. For those of you who need some help, I provide a free consultation to take over your file and do the dirty work for you. For those of you DIY-ers, I provide 3 new DIY packages on the new services page of the website. You may also request a 1-hour session to go over your file and get my advice and an action plan @ $85 p/h. Just schedule an appt on the website. Check it all out at

Is a credit sweep the same thing as claiming identity theft?

Is a credit sweep the same thing as claiming identity theft? No, it's not. Most consumers have the wrong idea about what a credit sweep is and believe the 2 are the same but I'm here to clear this up for you! Identity theft: This is where you claim that all (or a few) items are resulting from identity theft and you attempt to get them blocked using section 605B of the FCRA within 4 business days. You must use an official police report and affidavit. Here's the DL on this: it doesn't work. Why? Because millions of consumers used this illegally even thought the debts actually belonged to them and now, even if you ARE a victim, it's almost impossible to get it done in 4 business days. A few months? Sure, if you have all the required documentation, dispute with the creditors as well and have supporting documentation. IF this method is used (either by the consumer or a credit repair company - with or without the consumer's knowledge), the items w

Credit Repair Dispute Reason Cheat Sheet

Use this Dispute Progression chart (cheat sheet) to craft your dispute reasons when writing your dispute letter for credit repair purposes. Buy for only $15 at or directly at Stop using TEMPLATES! Start thinking logically and create your disputes based on "factual" information. This means that you take the info on the credit report and base your disputes on it. This covers ALL negative item types and falls into 6 categories: Collections Charge-offs Late Payments Inquiries Identity Theft Bankruptcies Judgements/tax liens *all negative items fall into these categories, including foreclosures, student loans, repossessions, etc. i.e. charge-off with 3 different dates listed under "date of last activity" dispute reason: remove this account immediately due to the fact that you're reporting 3 different dates under "date of last activity" and this is inaccurate This PDF