Learn about our exclusive 426 Segment Solution Factual Dispute Process™ and the programs we are currently offering our clients including our newest Done with You program that allows you the lowest cost of entry.
Our Unique "426 Segment Solution Factual Dispute Process" concept is not new to the credit repair industry, instead the industry chooses to ignore it as it hinders and reduces the profits gained by regular and consistent monthly fees.
The “426 Segment Solution Factual Dispute Process™"
This process was derived from our full and complete understanding of Federal as well as various State Laws that govern the process & procedures used when reporting negative items on your report as stated in the FCRA (Fair Credit Reporting Act) section 1681e(b). especially regarding the requirement of “Maximum Possible Accuracy” when creditors, collection agencies, or any other data furnisher reports your information to the credit bureaus. If the information is provided by a data furnisher, it must meet the “Maximum Possible Accuracy” standard to be legally reported on your credit report.
Maximum Possible Accuracy
The problem with the FCRA 1681e(b) is that there is no true definition of “Maximum Possible Accuracy” in the statute. When a case gets to court, the credit bureaus claim that the error they showed on the report was an honest mistake but still falls within the “implied” definition of “Maximum Possible Accuracy,” which is left to interpretation by a judge and/or jury. It is generally hard for a consumer to prove any particular “mistake” was or could be seen as intentional. It is easier to prove intent when there are dozens of mistakes that were either not fixed or ignored when you disputed them.
Taking Advantage of Internal Documents
The “426 Segment Solution Factual Dispute Process™” takes advantage of the credit reporting industry’s own internal documents that provide their own definition of “Maximum Possible Accuracy". They include specific "internal" instructions to all data furnishers on how to avoid legal trouble and how exactly to provide the required data. We use these little known "Secret" documents to find and challenge errors, inconsistencies, and omissions that, if not corrected, can result in the removal of items and/or even litigation that can result in forced removal and compensation.
According to the credit reporting industry’s universally agreed upon and accepted internal procedure manuals. To obtain maximum possible accuracy, all data furnishers must provide complete, accurate, and correct information every 30 days to the credit bureaus. This information is transferred via a “consumer data record” consisting of 426 alphanumeric characters broken down into dozens of segments. Each segment is a piece of data that ultimately can trigger a deletion if it is shown to be incorrect, inconsistent, or missing. They have specific rules and requirements for these 426 characters to meet their defined accuracy standards. Many segments are always required, others are only required under certain situations, and of course, all the information must be the same for each of the credit bureaus they are choosing to report to.
How a file is processed using the 426 Segment Solution Factual Dispute Process™
When we get a new file, we obtain and analyze every character and segment for your accounts. We then challenge the accuracy based on these records. We seek out every possible error on your file to ensure that the credit bureau cannot claim that these are simple mistakes. In general, almost every account has errors somewhere within the reviewed segments. These errors are often not repaired on the “consumer data record” even after a dispute. Furnishers often delete the item instead of taking the needed time to repair the root data. If the disputes are ignored and/or not repaired, which happens frequently, files now are in what we call a "Known Violation" status meaning they know of the violation and are not "INTENTIONALLY" The more this happens the higher the companies "Legal Jeopardy" is. If they go too far they can lose the protection that limits them to a $1,000 penalty. It is this reason items get deleted, they don't want to be sued, especially without the $1,000 cap
Our 426 Segment Solution Factual Dispute Process™ program has all the following features and benefits
– We Use Real Disputing
– We take advantage of a little-known secret to ensure we are disputing REAL errors and not creating frivolous disputes on your behalf.
– We are still Pay After Deletion
– We are so confident in our results that once you are enrolled, you will only pay when something is repaired (negative removed) or gets deleted.
– Disputes to both credit bureaus and direct to creditor
– We dispute with both the credit bureaus as well as the data furnishers, our goal is to remove these items as fast as possible.
– We Dispute Everything we find in Error
– All letters are sent by certified mail. This is done so there is a proper paper trail and the legal integrity remains intact.
The law requires that your entire consumer data record have the “Maximum Possible Accuracy”. Our 426 Segment Solution Dispute Process is designed to uncover every error in accordance with the industry’s own guidelines. In doing this, we will have the best chance of achieving the desired results. The number of errors will cause the data furnisher to take the time to fix each and every error found in the 426-character data string, remove the item, or risk being litigated against.
This risk of litigation increases when letters sent to them are ignored or the dispute sent and when you get a response you realize they didn't answer your inquiry.
This program uses the "426 Segment Solution Factual Dispute Process™"
This program has us create all of your dispute letters using the 426 Segment Solution Factual Dispute Process™, we then assemble your letters and provide you with step by step mailing instructions.
Once you mail your letters from your location via certified mail we will set a review time for about 40 days from the date the green cards are signed.
When we are notified to do a review we will update your credit reports and create an invoice based on deletion results
Once invoice is paid we will proceed with the next round of letters
This program has a setup fee of $199 and a $35 deletion fee per item per credit bureau.
There are NO monthly fees.
*Do not use this pricing please refer to our Pricing Page for current pricing
Address:
407 Jackson Park Rd
Kannapolis, NC 28083
(By Appointment Only)
Phone
Tel: 813-345-4097
Text: 813-345-4097
Business Hours-
Monday - 8am - 7pm
Tuesday- 8am - 7pm
Wednesday - 8am - 5pm
Thursday - 8am - 7pm
Friday - 8am - 7pm
Saturday - 8am - 7pm
Sunday - closed