The Credit Dispute Center prepares every file meticulously using disputes generated by our Quantum Matrix Dispute Technoloy™, a new groundbreaking software designed to find every error on consumer credit reports directly from the credit bureaus, and not credit monitoring reports. The disputes are factual, thorough, and each dispute builds each case to achieve maximum results. Each file we forward to you will be case-ready to file lawsuit with strong and irrefutable facts. Your firm shouldn’t have to do much to prepare to argue the case, in fact likely, most cases will settle outside of court or arbitration. This will result in maximum damages being awarded to the client and maximum attorney fees awarded to your law firm. The CFPB is releasing additional guidance to judges about awarding statutory damages in these types of cases, where previously statutory damages were harder to get even if they were entitled. This gives you more leverage to use, even if the case isn’t massive with actual damages. We also do full audits on debt collections, discovering every violation of the FDCPA. The CFPB notes that consumer complaints about credit reporting errors is on the rise, making the consumer law market fertile ground for growth. Let The Credit Dispute Center be your source of streamlined growth.
Unlike other credit repair companies, we prepare our disputes using a new credit report auditing software, the first of its kind where credit reports directly from the source of the information, the big 3 credit bureaus can be fully audited for every possible error, omission, or conflicted information reported amongst the bureaus. As you may know, Metro2 is the credit industry’s standard for reporting consumer credit information to meet the FCRA’s mandate of “maximum possible accuracy”. Using the Metro2 manual (which we have) as our guidebook, our Quantum Matrix Dispute Technology™ will prepare a very thorough, accurate, and factual dispute based on their account type and reporting rules. Also, as you may know, information reported on a credit report must be “accurate and verifiable” or it must be deleted. They must also have “reasonable procedures” to conduct a “reasonable reinvestigation”, so if the disputed account was not corrected or deleted, we give them one more chance to make it right. We dispute the account again, but this time we also include a dispute to the furnisher directly. If the account remains not reported to “maximum possible accuracy”, and “inaccurate and unverifiable” we then will consult with an attorney partner for possible arbitration or litigation against the bureaus and/or furnishers. This dispute process has stood the test of time and works. And now that this process is automated with our Quantum Matrix Dispute Technology™, this process is exponentially faster. So, whether you take on cases we send you, or send clients to us to handle the dispute process, a partnership with The Credit Dispute Center is your solution for scaling your law firm business. We are one of the first in the nation, and the only company in North Carolina that has this wonderful tool. Put The Credit Dispute Center and our powerful tool to work for your law firm. Now that the CFPB is issuing guidance to judges to award statutory damages as the FCRA mandates. Our software is the perfect companion for your consumer law practice.
The Credit Dispute Center only uses credit reports directly from the credit bureaus to create an accurate dispute containing all errors, omissions, and points out all inconsistent reporting amongst the bureaus. Our process is done using a new and unprecedented software called Quantum Matrix Dispute Technology™ which audits each account thoroughly based on The Credit Reporting Resource Manual, aka Metro2. This prepares the most accurate and effective dispute without using cookie cutter templates, as each account is unique and every situation is different. Our disputes are simple, which simply highlights every error, omission, inconsistency, and ask questions rather than quoting /law or case law to avoid misapplication. Our disputes are ALWAYS sent via certified mail with return receipt, and our disputes build the client’s case that will stand up in any court or arbitration. “I am so confident in our dispute process that if I were an attorney, I’d argue these cases myself – CEO Sammy Dodd”.
At The Credit Dispute Center we don’t play around! We send 2 rounds of disputes for FCRA/Original Creditor disputes. The first to the credit bureaus, and the second to both the credit bureaus and the furnishers. We hit every account needing dispute with every reporting issue at one time. This means in 3-4 (45 day dispute cycles) months our files are ready for arbitration or litigation. However, if your firm gets Quantum Matrix Dispute Technology™ from our partner, Consumer Information Accountability Advocates (CIAA), your firm can accept files from us upon onboarding. Simply inform us of your minimum credit report condition requirements and we will pass the client to your firm.
We use Escrow.com to facilitate all of our billing and A/R transactions. We NEVER ask the consumer for credit card, debit card, or bank account information ever! We do not get paid by either until our work is performed as outlined in our agreements. This is another thing that sets The Credit Dispute Center apart of the competition. We are held accountable for doing our promised services.
The Credit Dispute Center operates in compliance with all federal and state laws and regulations. We are bonded, only do business in states we are allowed to service, and we are even TSR compliant by not speaking with the client over the phone or virtually until the client has signed a free consultation agreement. Our marketing is also compliant and realistic.
Most credit repair companies employ the use of automated software such as “Credit Repair Cloud” where 10 minutes at most is spent per client that sends automated cookie cutter template “609 disputes” or a sloppy non-factual dispute based upon a credit monitoring credit report. Even if a dispute is factual, the dispute is not thorough, and based on incomplete, and inaccurate credit monitoring reports. Although the process is automated and streamlined, these tactics are no longer effective to repair a client’s credit, let alone stand up in court or arbitration. They typically misapply quoting law or other case law in their cookie cutter dispute letter templates, and sent with regular mail or other forms of non-trackable shipping.
Most credit repair companies launch the same frivolous disputes repeatedly in hopes of deletion. If they are disputing factually they only dispute 1 or 2 issues at a time. This can lead to the company taking the client’s money for 6 months to 1 year with little to no results showing for it.
Many credit repair companies set their clients up on an auto pay system that nearly guarantees their income regardless of accountability or results.
While there are a host of companies that are reputable and compliant. Many take shortcuts or outright disregard laws and regulations they don’t like, such as the TSR in order to get business. Even shadier companies will do business nationally without the proper bonds and licenses, and market unrealistically, promising huge results in an unrealistic timeframe. While many in the industry are fighting such bad actors, the fact is they still exist and must be stopped.
We offer our clients a Debt Collection Audit Service that is INCLUDED in all of our Credit Repair Plans. This can also be a stand-alone service for those with good credit who have debt collectors after them. We audit each debt collector or debt buyer for compliance in their communications, such as the envelopes they are using, or the content of their dunning letters for compliance. If they are credit reporting, we audit their compliance with the FCRA of “maximum possible accuracy”, according to Metro2 credit reporting standards. Then we audit their compliance to section 1692C(c), and 1692E(8) of the FDCPA which are the most common violated portions of the FDCPA. If we find those violations, we immediately forward our client to you, with all supporting evidence for litigation. Although we are networked with attorneys from across the nation, we give our attorney partners FIRST PRIORITY to accept our client’s case. If you have clients that have come to you for debt collection issues, we can also audit their debt collections for you, giving your firm more time to work on other cases in other areas of your practice. This is another way a partnership with The Credit Dispute Center can help you scale your law firm.
Now that you have seen our audit and dispute process, the very same things we do for our clients to help them restore their credit, we can do the same for your clients. This will free up your time, and your staff to work on cases in other areas of your practice and allows you assurance that your client is in good hands with The Credit Dispute Center. We can handle the audit and dispute process for you so when your client’s file is ready for litigation or arbitration, they come back to you with a solid case that is sure to win.
We will also provide you with a portal page to follow along with your client’s progress and status, so you can plan their cases, and potentially guide us in our next moves to achieve maximum results for you and the client.
Although we have a vast attorney network from across the nation, our North Carolina attorney partners receive the FIRST opportunity to accept our internal client’s cases that are ready to litigate or arbitrate!
Currently, no automated process exists to parse data from bureau direct credit reports. Our CEO has teamed up with a very talented group to form Consumer Information Accountability Advocates, aka CIAA. Together, they are working on a way to parse credit data directly from bureau direct credit reports, apply the logic of Metro2 edit reporting rules to create an accurate dispute, and send certified mail automatically within minutes! Instead of spending hours per client, you can spend minutes to get the same quality audits and disputes. That will scale any law firm nearly instantly! Until that software is released, The Credit Dispute Center is more than happy to assist with the audits and dispute processes with the CSO version. Partner with us and let us show you the future of consumer law.
We have grown! We are looking for local attorney partners in the following states…
Work hard pray harder.
ACTS 2:37-40
