The credit industry is evolving. The credit bureaus and data furnishers (creditors) have become wise to the same old and tired cookie cutter template dispute letters, commonly known as “609” letters, generated by antiquated credit repair software that uses credit reports from credit monitoring companies that do not stand in court. The 609-dispute method is one of the most used methods in the credit repair industry, mostly in self-help books preying on those who seek to fix their credit. Many Credit repair companies still use this method. The 609 letter is famous for statements such as “prove it or remove it”, “not mine, never late”, “produce an original signed contracts”. Also these cookie cutter letters typically cite irrelevant case law, cite the FCRA or FDCPA, and threaten lawsuits. In most cases the claims in these letters are not factual. The credit bureaus and furnishers (creditors) often dismiss these letters as frivolous as they should. Section 609 of the FCRA, does not grant the consumer the right to original documents as commonly believed, in fact the credit bureaus do not even have these documents, also in the digital age there are seldom any signed contracts anymore. Section 609 only guarantees the consumer a full disclosure of their credit report, that is all. So, when you use annualcreditreport.com, the bureaus have satisfied their obligation to the consumer under section 609. These letters do not stand up in the courtroom, and no attorney will take your case using this dispute method. If the account is not deleted you are stuck paying for credit repair, and a disputed tradeline to show for it.
Quantum Matrix Dispute Technology™ is the future of credit repair, and the future is now! Developed by Consumer Information Accountability Advocates, we are the first company in the nation to have this powerful tool! So powerful that attorneys from across the nation have partnered with us to offer our Attorney Assisted Credit Repair Program. This powerful tool audits credit reports directly from the credit bureaus! These audits, and the unique disputes they generate build your case should the need arise to file lawsuits or arbitration against the credit bureaus and those who furnish credit information to the credit bureaus. We work together with attorneys to dispute the errors our powerful tool uncovers. If the disputed items are not corrected, or the account is not deleted, the attorney will file a lawsuit, or arbitration on your behalf. This means that not only can you most likely expect results, you could get paid a handsome settlement or receive a judgement in your favor, putting money in your pocket and with better credit! We help you build your case and would offer expert witness testimony for you in arbitration. Regardless, not only can Quantum Matrix Dispute Technology™ help you fix your credit, but also get you paid, likely more than you pay us! What’s not to like about that?
Debt Collectors are notorious for violating laws and regulations in attempt to get you to pay the collection. However by violating those laws and regulations, they can be liable to pay you up to $1000 per violation and attorney fees are covered by the defendant. We can help you find those violations with our audit service, regardless of whether they are reporting on your credit report or not. So instead of paying the debt collector, they could end up paying you. This service is INCLUDED in our credit repair program or Alacarte service.
We at The Credit Dispute Center have been trained by the credit repair industry’s top professionals. We have also been trained by and partnered with many of the nation’s top consumer credit attorneys who assist us to produce results for you. Through our training and partnerships, we have assisted to develop Quantum Matrix Dispute Technology™ that many credit repair firms will begin using soon. We also train other credit repair companies in the same pre-litigation methods and how to do ethical business. We are constantly in the process of continuing education and improving.
*All Identity Theft Claims MUST be true and accurate, and must include a police report, NO EXCEPTIONS. The Credit Dispute Center will NOT be held liable for false claims of Identity Theft. Identity Theft claims should never be a quick fix for bad credit or financial decisions.*
Victim of Identity Theft? Do you have fraudulent items hurting your credit? Are debt collectors hounding you for unpaid debts that you did not create? The Credit Dispute Center has you covered with our Attorney Assisted Credit Repair Service. Simply click the button below to schedule a consultation. Show us every fraudulent account, and inquiry. We will gather and prepare all the information and required the attorney needs! The attorney and us will work together to dispute the fraudulent items on your credit report. If the items are not removed from your credit report, the attorney will prepare a lawsuit against the bureau(s) and furnisher(s) and not only get those fraudulent accounts off of your credit reports, but put some money in your pocket too! No longer worry about Identity theft, Let The Credit Dispute Center and our Quantum Matrix Dispute Technology™ Pay Per Delete Credit Repair Program help you recover and get things right!
Staying on top of your credit is more important than ever. With the unpredictable creditors reporting, identity thieves, and the complex world of figuring out the perfect balance to get the maximum points on your credit score, The Credit Dispute Center is here for you!
Every month we will log into your Smart Credit or My Score IQ account and email you a report with what we see, what you can do to boost your credit, and also offer solutions for any problems we find. If you need assistance with any issues, we can discuss solutions and offer discounts on our standalone services, or our credit repair program. As always, if we discover identity theft, our identity theft service is always free!
As part of your service, you will also receive credit education to learn how to manage and maximize your credit profile and access to our credit building options, 1 free support call each month and forums!
We have partnered with Smart Credit & MyScoreIQ, to provide us with real time credit monitoring and the ability to pull all 3 bureau credit reports. Smart Credit & MyScoreIQ also offers many other services included in their membership, like Identity Theft Insurance. Both enable us to upload your credit reports into our software to identify problems on your credit report that may not be obvious to even the most seasoned of professionals. Smart Credit or MyScoreIQ (your choice) is a requirement to enroll in our credit repair program. We will assign you a password to use for the duration of our contract. After work is completed and there are no more items to dispute, or the contract ends, you may either change your password or cancel the service. Because we are partnered with Smart Credit you get the discounted rate of $29.95/month! MyScoreIQ is $32.99/month! Smart Credit offers Vantage scores, MyScoreIQ offers FICO scores.
*Start Monitoring Your Credit Today For Only $1 For A 7-Day Trial
You will have peace of mind knowing that The Credit Dispute Center has you covered. Using the Pre-Litigation Method of disputing and our Quantum Matrix Dispute Technology™, if your case goes to litigation, you will likely have leverage. We offer at no additional cost to our clients a referral to our network of consumer protection attorneys. If the credit bureaus or furnishers refuse to delete or correct disputed items and has costed you in large damages (ex: mortgage denial), or in the unfortunate but extremely rare event you are sued by a furnisher while in the credit repair process (see our FAQ page for more info), we at The Credit Dispute Center have your back every step of the way.
Another Free Service provided by The Credit Dispute Center. Most companies love repeat business, however when it comes to credit repair repeat business typically is not a good thing. We want to teach you how to maintain and build your credit once we get it fixed. We will provide a periodic newsletter, and also we are developing a YouTube channel where we will do educational videos. See our Education page for more content. We will also share other trusted sources on the same page.
We have partnered with many companies that help to build or rebuild your credit. From secured credit cards with no credit checks, or entry level unsecured credit cards. You can also get positive credit added to your credit reports just by paying your rent on time, and we have another resource that reports a positive installment loan tradeline on your credit report! We can also help find you Authorized User tradelines as well. These resources are extremely valuable during and after the credit repair process! Credit Building is just as if not more effective than the credit repair process, but is the perfect companion for a healthy credit profile. We also assist young adults who have no credit to establish a healthy credit profile from the beginning!
Not everyone needs credit repair, however you can receive some benefit to your score, especially if you went to a car dealership and filled out a credit application. You end up with 1 loan, but 20 credit score draining hard inquiries. Same thing when you apply for a mortgage. This could benefit your score and get your information updated with the bureaus. We offer a 1 time service where we send letters for inquiry removal and update your personal information to the major credit bureaus. We charge 1 flat rate after the letters are generated. Just sit back and see which inquiries come off and see what it does for your score.
Unlike most credit repair companies, we do not store your credit card or bank account information (except our monthly credit monitoring service or with pre-arranged and agreed payment plans). We only invoice you for services AFTER they have been performed. You will be provided with an invoice and proof of all work done. Also, we give you the freedom to choose which provider you want to use for payment.
We have partnered with STRIPE and ESCROW.COM to give you options when it comes to paying for your services. When you sign up for credit repair, you can choose which provider you would like to use.
You get your credit reports, and we do our initial consultation with you. If you Qualify for our Attorney Direct Credit Repair Program, you simply pay us for the audit and document processing fee, nothing else as we will not be performing your credit repair services. Either our partner attorney will complete your credit repair, or the attorney will contract with a reputable Quantum Matrix Dispute Technology™ Credit Repair Company to assist them with your program. To get started, simply click the button below and start your Free Consultation.
Work hard pray harder.
ACTS 2:37-40
