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If You Use Dispute Letter Templates You Need To Watch This | Credit Sweeps


Access some cool free stuff at https://ench.app/thevegasmovement or schedule a call with me at https://live.vcita.com/site/expertcreditsweeps Transcript: You either opened this because you're guilty of sending dispute letter templates OR because you're curious about the consequences of using them. No matter why you clicked on this video, the most important thing is that you do NOT send out templates. Like ever. Do. Not. Send. Out. Templates. To. The. Credit. Bureaus. Look, I'm not trying to tell you what to do and what not to do. I'm just taking a min. from creating my own custom disputes for my clients to explain something that was weighing on me to save you from all the hardships that come with this dispute blunder. First, I guess we should address what a "template" means. These are the: • law-heavy, 3-page, "pursuant to", "I demand", "intent to sue"- type of letters • letters that do not include a custom reason why the account(s) should be removed or corrected • letters that do not include a custom reason why the letter is being sent in the first place Why should these be avoided like the plague, you ask? Well, here are a few reasons: The process: When your letters are received by the bureaus and arrive at the processing facility (only Experian processes in the USA btw), the letters are fed into a computer that has 2 jobs: 1. read the letter 2. determine if the letter has been received before by you OR by another person. You can think of this as a credit version of a college plagiarism software. It looks for similarities in phrasing, full-text, partial text, etc. in the letter body as well as the dispute reasons A. If the letter is a template, there is a high probability that no investigation will take place and the letter is rejected with a "verified" result a few days later. B. If the letter is not a template OR is a template but makes it through this step, it will then be converted into a 2-3 digit code and get to sent over to the creditor or collector. Let me be clear about this - your LETTER is not sent to them. They ONLY receive the 2-3 digit code, such as "not mine", "was not late", "wrong balance", etc. Investigation process: 2 computers comparing data - does your info match mine? Yes? Okay, it's verified. End of investigation. (Seriously, that's it. I will be doing a video this week that goes into this even more and references a conversation I had with a woman yesterday who called the bureaus to find out their method of investigation just to be told by Experian that they do NOT investigate. More on that later). How to avoid getting flagged as a template: This one's easy: don't use cookie-cutter, one-size-fits-all letters and you'll have a chance. The remedy is simple - send custom disputes that spell out in simple language why you're sending your letter, what you want to happen and include what you're disputing and why it needs to be removed or updated/corrected. Use the FACTS directly off the credit report (i.e. factual-based disputes) that back up why the account is inaccurate and should be removed or updated/corrected. Want to hand over the burden to an expert? Get a free consultation at https://live.vcita.com/site/expertcreditsweeps *I offer this content for free. Buy me a coffee at buymeacoff.ee/vargascoach

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