What is the 426 Segment Solution Dispute Process?

426 Segment Solution Process


The “426 Segment Solution Dispute 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 Dispute Process” takes advantage of the credit reporting industry’s own internal documents that provide their own definition of “Maximum Possible Accuracy.” We use these 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 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, we will do an audit to see if we can submit your file to an attorney in our network so they can consider litigation on your behalf. Some attorneys will take on a case after just one round of disputes, while others will require us to send more rounds of letters. If more rounds are required, we will either resend them to the credit bureaus as a 2nd notice or send a complete set of disputes to each of the furnishers.

Our 426 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 of our results that once you are enrolled, you only pay when it gets deleted.
We send disputes to all parties – We dispute with both the credit bureaus as well as the data furnishers, our goal is to remove these items as fast as possible.
Litigation Ready – We track the entire process and do everything so that an attorney can take our file and use it to start litigation on your behalf. 
We Dispute Everything we find in Error – 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.  
Certified Mail – All letters are sent by certified mail. This is done so there is a proper paper trail and the legal integrity remains intact.
We Share Our Letters – Unlike others in the industry, we are not worried about sharing our letters with our clients. The truth is the letters don’t have a lot to do with the results. Our secret is in the customized software we use to analyze and find inconsistencies within the 426 alpha-numeric character string and segments found in your consumer data file.


Danny & Kim Garcia