07/25/2026
The question I get asked the absolute most.
- “How are you removing all these negative accounts?”
Well it’s really simple if you actually understand what’s going on behind the accounts.
Ready….
- If the creditors or credit agencies don’t have facts to back up what they're reporting, then they're violating many laws. Specifically FCRA & FDCPA.
How do I determine what I can “challenge” or what’s reporting inaccurate?
Start here…
Place all three credit bureaus side by side and then start dissecting. Look for numbers starting with total reporting Balances, all dates listed, statuses and comments, ect. if you find yourself seeing mis-matched information, now the ball is in YOUR court.
1️⃣When looking over the negative account(s) and things aren’t aligning or mirroring across Experian, Equifax, and TransUnion, we call that inconsistency and that alone is a violation.
2️⃣ Dispute directly with the bureaus FIRST not the creditors. Let the creditors be your second source. I don’t need to send a single letter to the collector, if I can get the bureaus to listen. I challenge the accuracy of what the bureaus themselves were reporting under Metro 2 standards.
3️⃣ The bureaus will go back to the reporting creditor to verify. When they can’t well that stands for grounds to DELETE or update.
We utilize the law to its advance. We don’t claim “identity, theft, or fraudulent” we go starlight for the throat using “consumer law” & “factual disputing”
No accurate verification = the tradeline is deleted.
That's the part people miss — you don't always have to fight the collector head-on. You go straight to the source that's legally required to report accurately, and you make them prove it.
I don't just dispute. I dissect the account at its entirety…
Now do you understand?
