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This video talks about pulling your credit report for free, what to look for #creditrepair when disputing your credit report #disputeletter www.TheSeekersLayer.com Get free consultation for credit repair from everything credit https://secure.scorexer.com/jsp/custom_form.jsp?tab_id=Y2NMV0NXaXhoWlBXNExsWE9XOHp4Zz09&affiliate_id=Q1lMYnpzenZtN0s4UXJlR3h3K0VGZz09 Copyright, Liability Waiver and Disclaimers. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, except as permitted under the United States Copyright Act, and/or without the prior express written permission of the original content creator. Limit of Liability/Disclaimer of Warranty: While all persons associated directly or indirectly with this site and video use their best efforts in preparing the content, there is no express or implied representations or warranty with respect to the accuracy or completeness of the content of the videos, including any content, links or resources shared, including those by third parties. The advice and strategies contained herein may not be suitable for your situation. The content in the video is for entertainment, opinions, and the content creators thoughts only. No legal advice is being given herein. You should consult with a professional where appropriate and before any action is taken on this video. No liability or damages shall take place because of this video and/or content. Furthermore, your use of this site and watching these videos confirms your agreement that all state laws in the creators location applies to all disputes relating to this site and videos and, venue for all claims and disputes relating to this site and videos shall be in within the content creators primary residence county and state. By watching this and all related videos, you agree to be bound by the disclaimer.

www.TheSeekersLayer.com Get free consultation for credit repair from everything credit https://secure.scorexer.com/jsp/custom_form.jsp?tab_id=Y2NMV0NXaXhoWlBXNExsWE9XOHp4Zz09&affiliate_id=Q1lMYnpzenZtN0s4UXJlR3h3K0VGZz09 Copyright, Liability Waiver and Disclaimers. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, except as permitted under the United States Copyright Act, and/or without the prior express written permission of the original content creator. Limit of Liability/Disclaimer of Warranty: While all persons associated directly or indirectly with this site and video use their best efforts in preparing the content, there is no express or implied representations or warranty with respect to the accuracy or completeness of the content of the videos, including any content, links or resources shared, including those by third parties. The advice and strategies contained herein may not be suitable for your situation. The content in the video is for entertainment, opinions, and the content creators thoughts only. No legal advice is being given herein. You should consult with a professional where appropriate and before any action is taken on this video. No liability or damages shall take place because of this video and/or content. Furthermore, your use of this site and watching these videos confirms your agreement that all state laws in the creators location applies to all disputes relating to this site and videos and, venue for all claims and disputes relating to this site and videos shall be in within the content creators primary residence county and state. By watching this and all related videos, you agree to be bound by the disclaimer.

In this video, we delve into the truth about credit repair, debunking misconceptions and explaining the actual process step by step. Discover how credit repair truly works and learn how to differentiate between genuine services and potential scams. In summary, the main points covered in the video include: Credit Repair Misinformation: The video starts by addressing the misinformation in the credit repair industry, where some companies claim to have direct access to credit reporting agencies and offer automated dispute forms. Understanding Credit Repair: The aim of the video is to provide viewers with a clear understanding of credit repair and the steps involved in the process. Differentiating Genuine Services: The video encourages viewers to be discerning and cautious when evaluating credit repair services. It emphasizes the importance of being able to identify legitimate services versus potential scams. Equifax, Experian, and TransUnion: The video highlights the role of the three major credit reporting agencies – Equifax, Experian, and TransUnion – in the credit repair process. Direct and Indirect Disputes: The video explains the distinction between direct disputes (when a consumer disputes information directly with a creditor or lender) and indirect disputes (when a consumer disputes information with a credit reporting agency). E Oscar: The video introduces E Oscar, an online system used by data furnishers to communicate directly with credit reporting agencies. It explains how the system works and its role in resolving consumer disputes. Authorized Users of E Oscar: The video clarifies that only data furnishers who have been authorized by credit reporting agencies can use E Oscar to handle disputes. Credit Repair Agencies' Limitations: The video underscores that credit repair agencies have limited options for disputing information on behalf of consumers, typically involving online, phone, or written communication methods. Registering for E Oscar: The video points out that only data furnishers with direct access to credit reporting agencies are eligible to register and use E Oscar for dispute resolution. Overall, the video aims to empower viewers with knowledge about credit repair processes, shed light on industry practices, and encourage informed decision-making when seeking credit repair services. If you have specific questions or would like further information on any of these points, please feel free to ask. #creditrepair #credit #repairprocess, credit repair steps, credit repair industry, debunking credit repair myths, genuine credit repair services, credit repair scams #scammer #fico #equifax #transunion #disputeletter www.TheSeekersLayer.com Copyright, Liability Waiver and Disclaimers. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, except as permitted under the United States Copyright Act, and/or without the prior express written permission of the original content creator. Limit of Liability/Disclaimer of Warranty: While all persons associated directly or indirectly with this site and video use their best efforts in preparing the content, there is no express or implied representations or warranty with respect to the accuracy or completeness of the content of the videos, including any content, links or resources shared, including those by third parties. The advice and strategies contained herein may not be suitable for your situation. The content in the video is for entertainment, opinions, and the content creators thoughts only. No legal advice is being given herein. You should consult with a professional where appropriate and before any action is taken on this video. No liability or damages shall take place because of this video and/or content. Furthermore, your use of this site and watching these videos confirms your agreement that all state laws in the creators location applies to all disputes relating to this site and videos and, venue for all claims and disputes relating to this site and videos shall be in within the content creators primary residence county and state. By watching this and all related videos, you agree to be bound by the disclaimer.

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Consumer Dispute Process The Fair Credit Reporting Act guarantees consumers the right to dispute information that has been previously reported to consumer reporting agencies. The consumer may initiate his or her dispute directly with a consumer reporting agency, one of the affiliates of that repository, or a reseller of consumer reports. Regardless of the source at which the dispute originates, the data furnisher must respond. (See Federal Trade Commission interpretation letter of July 1999 http://www.ftc.gov/os/1999/9908/faresletterfinal.htm). The law also describes these duties of data furnisher's specific to the consumer dispute process: Conduct an investigation with respect to the disputed information. Review all relevant information provided by the consumer reporting agency. Report the results of the investigation to the consumer reporting agency. If the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the data provider furnished the information. The law also mandates a deadline for the completion of the investigation, review, and reporting of the investigation results. This process shall be completed within a 30-calendar day period that begins when the consumer contacts the consumer reporting agency. AUTOMATED CONSUMER DISPUTE VERIFICATION (ACDV) In compliance with FCRA section 611 (a) (5) (D), the consumer credit reporting industry maintains an automated dispute resolution system. This system, called e-OSCAR-web, is available for use by all data furnisher's. ACDV WORKFLOW Each consumer reporting agency and data furnisher has its own access to e-OSCAR-web. When a consumer contacts a consumer reporting agency with a dispute, the agency transmits the disputed information into e-OSCAR. The data furnisher accesses e-OSCAR and retrieves the disputed data. The data furnisher researches the disputed account, and transmits a response back to the originating consumer reporting agency.. If the information is verified as correctly reported, the response goes only to the originating consumer reporting agency. If the information is modified or deleted, e-OSCAR automatically sends a response to the originating consumer reporting agency and sends copies to any other consumer reporting agencies with which the data furnisher has registered in e-OSCAR. The consumer reporting agencies retrieve responses, update the credit files accordingly and respond back to the consumers. The originating consumer reporting agency also notifies the data furnisher of any modifications or deletions as a result of the dispute reinvestigation. To complete the process, when a change has been made, data furnisher's must also update their internal records to avoid re-reporting incorrect information. FEATURES OF ACDV Automated Carbon Copies - If you modified or deleted an account in response to a consumer reporting agency-generated consumer dispute, e-OSCAR will send copies of the dispute and response to each of the consumer reporting agencies with which you have registered an affiliation in e-OSCAR. These copies help to pre-empt future disputes, thus reducing your costs. Consumer credit data will be accurate at all the agencies with which you are registered, which will help to improve customer satisfaction. Automatic Notification - The Fair Credit Reporting Act requires the originating consumer reporting agency to notify the data furnisher of any modifications or deletions as a result of the dispute reinvestigation. e-OSCAR provides the capability to meet this requirement. No Illogical Conditions - When a consumer reporting agency sends out an "I've never been late" dispute, they need your assistance in verifying the consumer's account information. The e-OSCAR system has built-in edits to prevent illogical responses. Other benefits include easy tracking of consumer disputes in progress or completed and easy access to a broad range of user reports.

Pinnacle Credit Repair A.C.AT a lie? True Metro 2 for TransUnion Equifax Experian. The Truth credit repair. Pinnacle credit repair is a lie as he claims he has full integration into three major credit reporting agencies such as experian Equifax and TransUnion. we determined that this is a complete lie by breaking down the API protocol that you have to pay a large sum of money to have access to. we know Pinnacle Credit Repair is not going to pay for anything. we also determined that the three credit reporting agencies business solutions revolves around a data mining and analytics not disputes. we learn to dispute something that you must use Metro 2 format. specialized software to dispute items off of a credit report that's only given to credit card companies loan officers banks etc. based on these two facts we can come to the conclusion that this ACAT system that Pinnacle credit repair claims that he has is a complete lie. what he's really doing is having the customer sign up for TransUnion and then providing him with his credentials to log into the system to manually dispute the items off of their credit report.

Rules debt collectors must go by and can not break! #creditrepair #consumerlaw #consumerprotection #creditreport

Get free consultation for credit repair from everything credit https://secure.scorexer.com/jsp/custom_form.jsp?tab_id=Y2NMV0NXaXhoWlBXNExsWE9XOHp4Zz09&affiliate_id=Q1lMYnpzenZtN0s4UXJlR3h3K0VGZz09 Copyright, Liability Waiver and Disclaimers. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, except as permitted under the United States Copyright Act, and/or without the prior express written permission of the original content creator. Limit of Liability/Disclaimer of Warranty: While all persons associated directly or indirectly with this site and video use their best efforts in preparing the content, there is no express or implied representations or warranty with respect to the accuracy or completeness of the content of the videos, including any content, links or resources shared, including those by third parties. The advice and strategies contained herein may not be suitable for your situation. The content in the video is for entertainment, opinions, and the content creators thoughts only. No legal advice is being given herein. You should consult with a professional where appropriate and before any action is taken on this video. No liability or damages shall take place because of this video and/or content. Furthermore, your use of this site and watching these videos confirms your agreement that all state laws in the creators location applies to all disputes relating to this site and videos and, venue for all claims and disputes relating to this site and videos shall be in within the content creators primary residence county and state. By watching this and all related videos, you agree to be bound by the disclaimer. SUBSCRIBE: https://www.youtube.com/user/archonis06?sub_confirmation=1 Jimthejim.com Jimthejim2020@gmail.com Jim the credit guy Putting you on the right track to repair your credit by removing incorrect information and adding tradelines.