The Section 609 Credit Restoration System focuses on reporting errors. All other "credit repair" companies focus on trying to correct inaccuracies on your report.
Although 70% - 90% of credit reports have errors on them, the vast majority of negative items on a typical credit report are valid in fact. Therefore, if you simply dispute all the negatives on your report, those that are valid will most likely be verified by the credit reporting agencies and remain.
With the Section 609 Credit Restoration System, it doesn't matter whether the negative is valid or not. The Section609 system works equally well on all negatives because it disputes the credit reporting agencies' right to report the negative, not whether it is valid. Since none of the 3 major credit bureaus (Equifax, Experian and Transunion) are in compliance with Section 609 of the Fair Credit Reporting Act (FCRA), they must remove all the negatives from your report - ALL OF THEM!
Every other "credit repair" company out there uses the dispute process allowed under FCRA to attempt to repair your credit.
There are four major problems with this approach to credit repair:
- Accurate information is easily verified by credit reporting agencies.
- You are perjuring yourself by initiating the investigation and swearing the items are not yours.
- Even if a negative item were to come off one of your reports, it will most likely remain on the other two.
- You can do this yourself for free.
By disputing the accuracy of items on your credit report you are essentially playing the slots - you are hoping that all three credit bureaus are unable to complete their investigation within the time allowed.
The odds of 3 cherries in a row - across all three bureaus - is nearly impossible! The odds of getting this result with all of the negatives on your report is nearly impossible!
However, with the Section 609 Credit Restoration System the game is rigged in your favor. You will eventually hit the jackpot every time because the system is based on the letter-of-the-law.
Our process is very simple:
Once you have purchased the ebook and are ready for the Credit Disputing Assistance this is what you will do.
We are disputing reporting law - not whether or not an account is yours but whether or not the credit bureaus have that “verifiable proof” they are required by law to have on that account. So this is NEVER about what type of negative we challenge. Under the FCRA the credit bureaus need to provide you a copy of verifiable documentation if it is requested by you the consumer.
We simply have a right to receive a copy of the Original Creditors Documentation. When we request that same verifiable proof from the creditor. They usually comply very quickly and will oftentimes fax or mail you a copy of your account application/history within 24 hours.
Here is what we find VERY interesting! We have now assisted over 100,000 clients since 1999 without a failure! We have NEVER RECEIVED a single copy of verifiable proof on a single client account! They do not have them on file! All credit bureau reporting is done electronically via email or fax. But that is NOT what the law says must be done.
OUR STATISTICS SAY IT ALL! WE HAVE THE HIGHEST DELETION AND CHANGE RATE IN THE ENTIRE INDUSTRY. WE SUCCESSFULLY DELETE OR CHANGE ALMOST EVERYTHING WE DISPUTE. IF OUR INTERPRETATION OF THIS LAW WERE WRONG, IT WOULDN’T WORK. THEY WOULDN’T DELETE OR CHANGE THOSE ACCOUNTS IF VERIFIABLE, ACCURATE, UP-T0-DATE INFORMATION WERE PRESENT. |
