Why It Works

Equifax, Experian, and TransUnion are the three Credit Reporting Agencies. All loans, credit card transactions and credit inquiries are registered to your credit report using your social security number.

This method of reporting is digital – rarely if ever, storing any actual paperwork. There is no verification process, providing you the option to dispute validity of all things listed in your credit report. This puts the burden of proof on the creditor to provide actual proof of agreement.

Credit Reporting Agencies are not regularly checking to verify if information contained in your file is accurate. The Fair Reporting Credit Act (FCRA) is designed to protect United States citizens. This is your right. Part of this right is requiring the creditors to do their part. THE FRCA states the bureaus must verify all information and provide originally signed documents if called into question.

Many of the negative items on your credit report may in fact be true, but with the onus on the bureaus to do the work, many benefit from the burden of work on the bureau. The burden to verify millions of accounts for millions of citizens is a daunting task, thus many disputed items are dismissed as inaccurate, even when many do belong to the consumer.

Credit CDU Member Benefits include full access to the BEST credit dispute templates that exists. Under section 609 of the Fair Credit Reporting Act, it clearly explains whether a negative account is valid or not, if unverified it must be removed. This is where you win!

The repetitive assault on unproven records shrinks the damage and grows the score. A little work and a bit of patience can raise your score tens and hundreds of points. We provide a proven method to continuously pester the bureaus and demand action!