Hello FAM, We're seeing a lot of stall tactics lately, especially when it comes to Proof of Identity or Proof of Address. Whether or not the disputing method mentions it, it's strongly suggested to include Proof of Identity, Proof of Address, and an Affidavit Letter to avoid delays or denials. Additionally, even though it's optional, consider mailing your letter certified with return receipt to ensure it's received. Make sure you're keeping up with every disputing method shared by members, whether it's in the posts or not. Don't forget to include an affidavit letter to prove identification, along with proof of ID and address. What to Use for Proof of Identity or Proof of Address for ALL 3 Credit Bureaus???

If you’re looking for extra help in filing an FTC complaint, here’s a great video. Just be sure to choose your own reason for "What this complaint is about," as the video doesn’t cover step-by-step instructions for all the options. Track Your Complaint: • How to Track: - Use the tracking number provided in the confirmation email to log into the FTC’s Complaint Assistant. • Updates: - You’ll receive email notifications as your complaint progresses. Company Response: • Timeline: - Unlike the CFPB, the FTC generally does not mediate individual complaints. Instead, your complaint is added to a database that law enforcement agencies use to identify patterns of wrongdoing. Viewing the Response: - Because the FTC doesn’t resolve individual complaints, you won’t receive a direct response from the company. However, your complaint helps the FTC in its enforcement actions. File FTC Complaint ⬇️: https://www.identitytheft.gov/ Video Path ⬇️: https://www.youtube.com/watch?v=e4wnTNwPGR4

What is a Self-Attestation Letter? How It Can Be Used in Disputing? A self-attestation letter is a formal document in which an individual asserts the truthfulness of specific statements regarding their circumstances. This letter serves as a personal declaration, confirming details without the need for external verification at the time of writing. Usage in Disputing: In the context of disputing credit report inaccuracies, a self-attestation letter can be used to: 1. Declare Personal Circumstances: Assert details about why certain information on the credit report is incorrect or misleading. 2. Request Specific Actions: Formally request the credit bureau to block and delete disputed accounts from the credit profile. 3. Provide Context: Explain any potential fraudulent or coercive practices that have led to the disputed debts, adding weight to the dispute. Who to Send It To: The self-attestation letter should be sent to the major credit bureaus in the United States. These agencies are responsible for maintaining and correcting credit reports based on consumer disputes. If Dispute is Denied or Unverified: If the credit bureaus deny or fail to verify the dispute, the next step is to escalate the issue to the Consumer Financial Protection Bureau (CFPB). Sending a detailed and well-documented self-attestation letter to each of these credit bureaus, and escalating to the CFPB if necessary, ensures your case is clearly communicated and handled appropriately. Attached is a Self-Attestation Template Letter for your use. Always utilize AI to rewrite template letters to avoid being accused of using a template letter.

REMOVED A LATE PAYMENT FROM ALL THREE BUREAUS IN 4 DAYS USING THE TRANSUNION SWEEP METHOD🧹🔥🔥! DIRECTIONS ON HOW TO DO IT ARE BELOW! THE KEY IS RESUBMITTING THE CFBP REPORT ONLINE 2-3 TIMES IN ONE DAY FOR EACH BUREAU! MAKE SURE YOU HAVE SENT THE CFBP COMPLAINT TO ALL 3 BUREAUS AT LEAST TWICE! & THEN FILE DISPUTES THROUGH THESE LINKS~> Equifax Experian TransUnion , make sure to include all documents you included on the CFPB! Be patient! This full process took me about 2-3 Hours! Works for ANY NEGATIVE account so don’t ask ) (this for accounts not just late payments its to removed the entire account) STEPS: (PLEASE REVIEW PDF’S ATTACHED AS WELL) in the photos below you will see step by step how to do it and the docs needed ! If you are not comfortable doing it don’t do it !( because I heard this before ) this just what Bob did ! I REPEAT DONT DO IT IF YOUR NOT COMFORTABLE Sites needed https://www.consumerfinance.gov & https://www.identitytheft.gov MAKE SURE TO READ DIRECTIONS ON PDF, IMAGES, OR ATTACHED & DOCS 5 times before asking questions !!! Only put your negative items ! Everyone take your time it’s not a rush everyone help everyone in the comments if you under stand it !!!! You should have 4 things uploaded to your cfpb complaint !! POL Letter FTC ID and social Here is a link to the Polaris letter. Be sure to MAKE A COPY and then make your edits. https://docs.google.com/document/d/11WVGCL3mY3hZk1wL5GkBXUgWYiPvt_OesRna8WgOFBE/edit?usp=sharing THE KEY IS RESUBMITTING THE CFBP REPORT ONLINE 2-3 TIMES IN ONE DAY TO EACH BUREAU! MAKE SURE YOU HAVE SENT THE CFBP COMPLAINT TO ALL 3 BUREAUS AT LEAST TWICE! & THEN FILE DISPUTES THROUGH THESE LINKS~> Equifax Experian TransUnion , make sure to include all documents you included on the CFPB when disputing through these links! Be patient! This full process took me about 2-3 Hours! Worked for all 3 bureaus within a week!

Dispute Letter for ChexSystems, please change the letter accordingly! Unfortunately, the course does not cover ChexSystems and early Warning; however, here is something to help you along the way. Also, underneath the file section for a sample letter. https://creditmashup.com/chexsystems-phone-number/ https://creditmashup.com/how-to-dispute-chexsystems/ For ChexSystems and early warnings, you will need to dispute differently from the regular disputing method. Below are a few options: 1. Wait Out the 5-Year Statute of Limitations. 2. Go to the financial institution and pay the overdraft amount and the overdraft fee. Once at the bank, ask to speak to a manager and briefly explain your past financial hardship. Ask if you can pay for a removal. There may be a positive outcome. If so, don't leave until you have the agreement in writing and signed by the bank manager. 3. Dispute Inaccurate and Negative Information Off Your Reports: - Go to https://www.chexsystems.com/ to request your consumer disclosure report (review the Report For section) to help you understand what led to this decision. It may take up to 15 days to receive a copy of your report. - Once you receive your consumer disclosure report, highlight anything negative (including inquiries) that's preventing you from opening a bank account with a financial institution. - Dispute types: - Type a letter (to ChexSystems and/or to its CEO) and list the bank account and balance all in one letter. Then, get it notarized and sign it. - Dispute: once you've received your report, mark it up so that you don't miss anything while disputing. You can dispute via telephone at 1-800-513-7125, or with an affidavit of truth and a notarized letter uploaded online, and upload a certified mailed letter, and/or fax the notarized letter but get a confirmation receipt. - ChexSystems has 30 days to investigate the dispute. If it fails to investigate and respond, then the item must be deleted. ChexSystems must delete or correct inaccurate or unverifiable information. Information that is verified as accurate can remain in your ChexSystems file.