PROCESS
Dispute Process
1. Letters are mailed to Equifax, Experian and or TransUnion via first class mail. You do have the option to pay $8.50 per letter to mail certified.
We only dispute using laws from the FCRA and FDCPA.
If you saw it on TikTok and want something deleted within 7 days, thats not us. We do not do credit sweeps, we do not fill out identity theft reports and we will never ask you to do anything illegal to remove accounts from your credit report.
If you have an identity theft case, please contact Syed Hussian, Esq at sh@haseeblegal.com.
2. EQ, EX and TU has 30 days to respond to your dispute letters once they receive them.
A) If they respond with a stall letter, that's illegal and violates your rights has a consumer under the FCRA. There is NO law that states a consumer cannot use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses.
Please know and understand that due to the overwhelming amount of fraud in the credit repair industry, you will most likely get a stall letter and investigations from the credit reporting agencies cost them money. They do not want to do your dispute.
B) If they dont respond, you have the option to mail certified mail for $8.50. And if they dont respond again after mailing letters certified, you will be forwarded to an attorney.
A subcommittee found that the credit reporting agencies discard millions of disputes a year without investigation. The subcommittee found that at least 13.8 million disputes were thrown out between 2019 and 2021. via CFPB.gov
C) If the credit reporting agencies violate the FCRA, you will be forwarded to an attorney.
3. Round 2 letters are different for everyone & depends on the response from EQ, EX & TU.
4. Once Steps 1-3 are completed, we go over possible ways to help build your credit.
Please know and understand that we are not attorneys and can not nor will we ever give legal advice.
I will not dispute authorized inquires attached to accounts.
Common errors found on credit reports that we dispute using FCRA and FDCPA laws.
- 60, 90, 120 day late payments but no 30 day late payment.
- Does your credit report show a balance due on a settled or paid account?
- Short sale listed as a foreclosure?
- Does your credit report show a balance after the creditor discharged the debt with a 1099-c?
- Any debt discharged in a bankruptcy reporting a balance?
- Do you have any duplicate accounts on credit report?
- Account too old to report?
- Does the debt buyer and original creditor both report a balance due?
- Are you a JR, SR, III have your information mixed with someone else’s information on your report?
- Authorized users reports shows all user activity and not just authorized users?
- Have you told a 3rd party debt collector, "I refuse to pay this debt" or ask them to stop calling and they continue to call?
- Does a 3rd party debt collector call you before 8am or after 9pm? (There are also other state laws for debt collectors and original creditors)
- Did a creditor or 3rd party party debt collector pull your credit (hard or soft pulls) without your permission? (Please know that many contracts you signed with original creditors, it says in the contract they will periodically pull your credit, THATS LEGAL)