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- The inability to spot insufficient validation when sent.
- Accepting insufficient validation.
- Calling collection agencies on the phone.
- "Most Common Credit Repair Myths"- The Whole Thing
- Sending repetitive disputes on bureaus
- Failing to send letters certified mail.
- Writing letters that do not bind to civil liability.
- Not understanding the difference between "asking for validation" and "disputing"
- Not understanding the difference between Validation and Verification or how to exploit
this.
- Not recognizing stall tactics.
- Not knowing how to recognize or enforce violations.
- Thinking that paying off a collection account or charge off helps a FICO score.
- Using the credit bureaus website to dispute.
- Not knowing how to overturn or negate investigation results.
- Giving the credit bureaus too much power. If you only knew how little they have.
- Challenges a creditor who responds with a summons to appear...and pays them.
- Not understanding how FICO scores are computed.
- Unknowingly deleting good credit and seeing a FICO score decrease.
- Not knowing how to dispute "dates" as a means getting items deleted.
- Not knowing how to play validation games with the DATE OF LAST ACTIVITY and the DATE OF FIRST DELINQUENCY.
Oh, the opportunities that exist.
- Get Disputes Labeled Frivolous by Bureaus
Knowing or not knowing this information is the difference between success and failure in credit
repair.
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