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The Reason Dispute Letter Templates Fail | Credit Sweeps

Learn to Dispute the right way with factual-based credit sweeps at or You can also see if it would be a good fit for me to do your credit sweep by scheduling a call at Transcript: Imagine for a second that you and your friend both go to see a doctor – you for a sore throat and a sprained ankle for your friend. Not only does the doc sit you both in the same room and examines you at the same time, but he also GIVES YOU THE SAME PRESCRIPTION – you for your sore throat and your friend for their sprained ankle. You both get something called one-in-all. That would make absolutely no sense, right? Well if that makes no sense, how does it sound right that every consumer has different credit reports – accounts, balances, creditors, types, situations and circumstances, etc. – but that only 1 prescription is written? If you don’t think that’s the same thing, then let’s break it down: There are 68 million people in the US that have bad or poor credit out of the 220 million scoreable people. The bureaus each receive 10-20k letters per day, so if its so easy and if all it takes is sending out virtually the same letter for all consumers, then; 1. Why are there 68 million consumers with bad credit still and 2. Why are letters rejected automatically by the OCR if they are deemed to be templates and 3. Why is the lowest % of dispute responses a deletion or correction in favor of the consumer? If we look at it the other way, I’d have to say that approaching credit has to be the same as going to the doctors. Imagine what really happens when you see one – They examine you and ask questions to determine what’s wrong They run tests like checking your blood or doing xrays They write prescriptions according to their physical examinations, lab results and your symptoms and GIVEN INFORMATION That is EXACTLY how you handle writing disputes the right way – for each and every consumer, there is a specific custom letter that gets written and for each and every account a specific custom reason is written based on the GIVEN INFORMATION. Which one do you think gets better results – the one-in-all prescription to go with the dispute letter template OR the prescription for the patient’s actual problem and the factual-based custom disputer letter? Want to hand over the burden to an expert? Get a free consultation at *I offer this content for free. Buy me a coffee at


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