Five Ways to Make Your Disputes More Effective

Daniel Rosen  0:00  

Hey, Credit Heroes! The credit bureaus want you to fail. They use so many unfair practices to reject your letters and slow the process, but you have to be ready to fight back. That's why today I'm sharing the top five ways to make your dispute letters more effective so you can keep changing lives, so you better stick around. 

So the big question is this: how can we take our passion for helping people with their credit and turn it into a successful business without taking loans and spending a fortune by bootstrapping it from nothing? So we can help the most people and still become highly profitable? That is the question, and this podcast will give you the answer. My name is Daniel Rosen, and welcome to credit repair business secrets. If this is your first time listening to my podcast, every week, I give credit repair tips and advice on bootstrapping your business from nothing. So be sure to click subscribe now and get ready to start changing lives. 

Okay, let's get into this. In the 20 years since releasing my first credit repair software, I have helped 1000s of businesses build from the ground up. During that time, I've learned the secrets to writing effective dispute letters and proven strategies for deleting items from credit reports. But times are changing. Just having the facts on your side isn't enough to win disputes. The credit bureaus are stalling and rejecting more letters than they ever have before. They want you to get frustrated, they want you to give up, and they're ready to try anything to do that. It's so important to make every single one of your letters count. 

Every stall letter and rejection letter that you receive slows down the process of getting real results for your clients. That's why today I wanted to share my top five things that you can do to make your dispute letters the most effective as possible. Here's how this relates to us. For those of you who are new to credit repair, writing dispute letters is the foundation of the process. It's not a perfect system. But considering that you have to give up your legal rights in order to dispute with the Bureau online, it's the only real option that we have. If you've never filed a dispute, the process can be slow, it can be repetitive, and in some cases, it can be very, very discouraging. The credit bureaus do whatever they can to drag their feet, and their stall tactics cause a lot of people to just give up because that's exactly what they want. That's why it's very important that you never give up. 

Here's the thing to remember: dispute letters need to be accurate, persuasive, and strategic. Don't give them any reason to throw your letters out. The success of your business depends on effective dispute letters, along with a healthy dose of persistence. 

Here's what you need to know: to make sure that your dispute letters carry the weight they deserve and get a quick response, you've got to use a set of proven strategies. So here are my top five simple and effective things that you can do to make the most impact with your dispute letters. Number one, reason and instructions. This is the basis of every dispute letter, so make sure you include a reason and instruction for each item that you're disputing. 

A lot of people are intimidated by this because they think the credit bureaus will read their instructions and disagree, but you have to make it obvious what you're disputing and why being specific on stating exactly what you want and using clear language helps speed things along and avoid delays 

Number two, ID and proof of address. Before you mail out your first round of letters to the Bureau, make sure that you include photo IDs like a driver's license or a passport and proof of address like a utility bill or a bank statement. They won't send you the results until you prove you are who you say you are and prove where you live. The Credit Repair Clouds client portal makes it very easy for your clients to upload their IDs and proof of address during onboarding. They can even take a picture of it with their smartphone and upload it to the Secure Client Portal. 

Number three, proof if you have it. If you have proof, that is going to stop the Bureaus in their tracks. We'll be sure to include it with your dispute letter. This could be things like a police report if you were the victim of identity theft, an agreement with a debt collector to delete an account if you paid but failed to do so, or even a letter showing a mistake that a creditor made. If you have it, use it. Just print out the proof and include it in your envelope.

Number four is a reminder for 30 days. Credit Repair is a game of patience and persistence. The Fair Credit Reporting Act requires the credit bureaus to respond within 30 days of receiving your letters. While it does take a few days to mail the letters to the Bureau and a few days for the Bureau to mail the results back, it's so important to stay on top of this waiting period. If the credit bureaus don't respond, you can send a nonresponse letter demanding that they respond, or maybe even an estoppel by silence letter. If you're dealing with a debt collector, make sure you have a system to easily set reminders to check on disputes after 30 days. The reminder options within your Credit Repair Cloud are a great way to handle this. 

Number five, create custom disputes with letters by AI. We've been seeing so many reports that the credit bureaus are rejecting letters that they think are templates, and it's just another one of their nasty tricks to try to make you go away. My team and I have been working really hard to find a way to help you fight back against this unfair practice. 

That's why I'm so excited to introduce Credit Repair Cloud's newest innovation, letters by AI. They are unique AI-generated letters that reduce the risk of credit bureaus flagging your disputes as templates because every single letter is now unique. Less rejections mean faster results for your clients and a better success rate overall. And I can't wait for you to try letters by AI. It is so cool. And it's live right now in your Credit Repair Cloud account. So go try it out. And let me know what you think. 

Here's my final point: the credit bureaus want you to fail. They do; they work really hard to frustrate you and make you go away. But you can't let them win. And you can't give them any reason to reject your letters. 

And now, for my favorite part of the episode. Every week, I feature one of our Credit Heroes inside our Credit Repair Cloud Facebook community so that you can see firsthand what real people are doing as they run and grow their businesses. Today's spotlight is on Marcus, who Marcus posted in our credit hero community celebrating getting deletions for his client. Marcus said, waking up at 5 am and having one of my clients send me this. Now his credit is clean, clean. Congrats Marcus, what a way to wake up. I can't wait to see how many more lives you change. 

And I'll end by saying if you don't already have a Credit Repair Cloud account, check it out. It's a software that most credit repair businesses in America run on. Just sign up for a 30-day free trial at creditrepaircloud.com/freetrial. And if you'd like to change lives and grow your very own credit repair business, check out our credit hero challenge. It's a live experience that has helped tonnes of Credit Heroesto get certified and disputing and gain confidence as they run their credit repair business on a solid foundation. So they can change a whole lot of lives and make a great living in the process. We're starting the next challenge very soon. So you want to join before the door is closed, or you're gonna have a long wait until the next one. So sign up right now at creditherochallenge.com. 

If you're finding value in the things that I share on this podcast, click below to subscribe and follow. Also, give me a five-star review or share the show and help me to change more lives. If you'd like to read the show notes, they're posted on my blog. If you have a question or a comment, drop it down below because I read each and every one of them. I would love to hear from you. And I'll respond as soon as I can. If you want to win even more credit repair disputes, check out my episode on the top five dispute mistakes to avoid. So take care, Credit Hero, and keep changing lives. 

Hey everybody, it's Daniel again. And really quick, I'd like to invite you to join what I believe is the best thing we have ever created inside the Credit Repair Cloud community. And it is a challenge that we call the credit hero challenge. If you're just planning out your business, or you're just getting it started, and you dream of having a successful business of your own. So you can quit your nine-to-five and fire your boss and have financial freedom, or you can add another revenue stream to your existing business. If that's your dream, you need to get into this challenge. We created this challenge to help you create and launch your very own credit repair business to build a proper foundation for a really successful business. This challenge is going to help you understand the strategy, tactics, and all the things you need to be successful at credit repair. It really is the greatest thing we have ever built, and it will change your life. So I recommend you do it right now. Stop everything, pause this audio, go online, and go to creditherochallenge.com. That's creditherochallenge.com. Join the next challenge. There's a challenge that is starting in just a few days, so go get started right now at creditherochallenge.com.