Getting Around OCR and E Oscar | Credit Dispute Letters

Today we're talking about getting around the credit bureaus' OCR scanner system for credit dispute letters as well as ANOTHER reason why you don't want to use dispute letter templates like the 609 letters! Head over to https://vault.my740.com to learn more or to https://liveletter.ask-kristin.com for the dispute letter generator and have a happy new year! 🔮 SUBSCRIBE TO MY CHANNEL 🔮 https://www.youtube.com/c/ExpertCreditSweeps?sub_confirmation=1 ✨ Check out all 3 credit reports and scores with the same credit monitoring I show in my videos and use for my clients with IdentityIQ: ✨ https://member.identityiq.com/help-you-to-save-money.aspx?offercode=431134PT 🧙‍♀️ GET HELP WITH YOUR CREDIT JOURNEY DIY awesome free tools, tutorials and downloads - https://vault.my740.com 🦸‍♀️ DFY credit sweep service free consultation 🦸‍♀️ https://my740.com Let's jump on a call and see if I can help! ⭐️ Video notes: You know what tomorrow is? It's the beginning of a new year. You know what that means? Well, today we're talking about getting around OCR and this is a dispute or a knockout round. Now you hear me tell you all the time don't use tablets, use factual based disputes, but do you understand that there's actual science that goes into this? Well, this stuff is taken directly from the credit bureau training materials, and guess what it's tells you exactly how their process works? Because a lot of people think that there's just a bunch of people sitting around a table, opening up envelopes. No, there's no humans and what your intention needs to be used to get to a human. Okay. So here's the deal. We're going to go over the process. So whether or not a dispute uses code crafting, another thing that you need to know about is how to get to a human being. Okay? You don't want your letter just converted into, you know, E Oscar and to go over to the data furnisher which mostly happens, but with templates happens a hundred percent of the time. Okay. So here's the deal. A letter is received by the credit bureaus, obviously, right? The letter opener machine takes a letter out of the envelope. There's no people sitting around opening envelopes. Okay. A conveyor feeds a document into the scanner with the envelope. The scanner captures the image of the letter and the envelope. OCR technology is initiated to capture all the text of the letter. And obviously it's either going to be successful or unsuccessful, right? If it can extract all the texts, the letters compared to existing letters, pause right there. What does this mean? It means that the bureaus have millions and millions and millions of letters in these massive databases. And they're comparing your letter to your past letters as well as to all the letters in their massive databases. And they're looking to see if the letter has been received before, and if it is it's automatically verified. And so when you're sending letters that look like this, please verify and validate all of these accounts, every notation balances and whether posted or not. Please give me the, you know, this on the third unverified and verified and verified. If you're using the same stuff over and over and over again, what do you think is going to happen? Okay. So now, if the letter is found to be a form letter or a template, the CRA can deem it frivolous. Okay. If the text is unique enough to disputes contained within the letter are then automatically captured by the computer and categorized in their internal system. After the capture of the disputed information that completed the internal system will initiate an investigation via E Oscar. Okay. The distribute is then transferred to the data furnished electronically, and the computers can read and interpret the letter.