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Credit Repair Specialist Training-FCA

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Welcome: From Beginner to Credit Pro
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Credit Repair Specialist Class 11.15

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Pull your Credit Report
Analyze your Credit Report
Clean up and Dispute Derogatory Items
Opt out of Reporting/ Security Freezes
Secondary Bureaus

Understanding Credit Scoring Models (What REALLY Drives Your Score)

What Credit Scoring Models Actually Are
The Two Scoring Giants: FICO vs. VantageScore
Why Your Score Changes Everywhere You Look
The MOST Important Scores You Must Know
Why Mortgage Scores Are Always Lower
Why Scores Fluctuate Daily or Weekly
The REAL Strategy: Which Score Should You Focus On?

Proper Business Formation

CCA: Credit Consultant Association
CROA Compliance
Credit Repair Company Requirements & Guidelines
Credit Repair Business Practices
Starting Your Business With Incfile (Step-by-Step Guide)

Dispute Process/ Methods of Disputing Inaccurate Information on your Credit Report

How to Factual Dispute
Understanding Consumer Laws + Dispute Codes
Expedited Method: CFPB Method
BBB Method
Types of Disputes + Disputing Credit Report Inaccuracies
Consumer Law Cheat Sheet
FCRA AND FDCPA PDF COPIES

Chex Systems & Early Warnings Removal

CHEX SYSTEMS REMOVAL KIT
What is Early Warning Services?
Early Warnings Removal Kit

Debt Collection

Original Creditor vs Debt Collector
FDCPA
Debt Validation Letters
Cease & Desist Letter
How to file a complaint for DEBT COLLECTION on the CFPB
How to file a complaint for DEBT COLLECTION on the BBB

Charge-Off Disputes — How They Work & How to Remove Them

What a Charge-Off Really Is
How Charge-Offs Report on All Three Bureaus
The 7 Most Common Charge-Off Errors (Easiest to Dispute)
Step-by-Step Charge-Off Dispute Strategy
Should You Pay a Charge-Off?
Charge-Off Goodwill vs Factual Dispute
How Charge-Offs Affect Credit Score

Understanding & Disputing Collections

What Collections Really Are and How They Work
How Collections Report and the Most Common Errors to Dispute
The Collection Dispute Process: Step-by-Step, Professional Strategy

Repossession — Understanding, Disputing & Strategically Removing Repos From Credit Reports

What a Repossession Is & How It Damages a Credit Profile
How Repossessions Report & The Most Common Dispute Errors to Look For
How to Dispute a Repossession Step-by-Step (Professional Strategy)

Late Payment Mastery: Understanding, Disputing & Overturning Late Payment Reporting

What Late Payments Really Are & How They Impact Credit Scores
How Late Payments Are Reported & The Most Common Dispute Points
How to Dispute Late Payments Step-by-Step (Goodwill, Factual, Advanced)

Student Loans — Understanding, Disputing & Repairing Student Loan Reporting

What Student Loans Are & How They Report
The BIGGEST Student Loan Reporting Problems
What NOT to Dispute (Important)
How to Dispute Student Loans (Step-by-Step)

Bankruptcy Disputes — Full Breakdown & Removal Strategy

What Bankruptcy Is & How It Shows On a Credit Report
What MUST Be Checked Before Disputing a Bankruptcy
HOW to Dispute a Bankruptcy
Sample Letter Sequence

Cease & Desist — Stopping Harassment & Protecting Your Clients

What a Cease & Desist Letter Is (REAL Meaning)
When You SHOULD Use a Cease & Desist Letter
When NOT to Send a Cease & Desist
How to Write a Strong Cease & Desist Letter
How to Send the Letter (Step-by-Step)

Rebuilding After Bad Credit

Utilization Mastery
Which Cards to Get & Which to Skip
Adding On-Time Payment History
How to Build a Perfect 800 Score Profile

Tradelines

Understanding Trade Lines
The Two Main Types of Trade Lines
How AU Trade Lines Actually Work

Identity Theft and Fraud Disputes

What Identity Theft Really Is & How It Affects Credit Reports
How to Identify Fraud, Document It Properly, and Build a Legally Strong Dispute File
How to Dispute Identity Theft & Fraud Accounts Step-by-Step (FCRA 605B Method)

Metro 2 Compliance-— Understanding the System, Identifying Errors, and Using It Correctly in Disputes

What Metro 2 Truly Is and How Credit Furnishers Use It
How Metro 2 Reporting Works (Account Categories, Codes & Common Violations)
How to Use Metro 2 in Disputes (Correct Way, No Gimmicks)

Dispute Timeline and Escalation

How Long Disputes Really Take, What Happens in Each Phase, and When to Escalate
How to Know When to Escalate: Identifying When a File Has Reached the “Stalled” Stage
Escalation Methods: CFPB, BBB, 623 Direct Disputes & Other Strategies

Client Management, Retention & DisputeFox CRM

What Client Management Really Means
Getting Organized with DisputeFox CRM (30:08)
What DisputeFox Is & Why You Need It
Pricing, Plans & When to Upgrade
Understanding the Dashboard
Adding a New Client the Correct Way
Professional Onboarding Using Portal, App & Automations
Putting It All Together & Running DisputeFox Like a Pro

DIY & White-Label Systems

Building Your Own DIY White-Label Credit System

Website, Marketing & Social Media Presence

Updates & Discounts
Building a Strong Social Media Presence in Credit Repair

Canva for Credit Repair & Business Branding

What Canva Is & Why You NEED It in Your Business (22:13)
Canva Plans & Getting Started
How to Use Templates the Right Way
Customizing a Template: Turning It Into Your Brand
Understanding Layers, Positioning, and the Editor Tools
Creating a Design From Scratch
Downloading Your Designs, Exporting the Right Way & Your Next Steps to Becoming a Canva Pro

Client Communication/Professional Behavior

Managing Clients, Setting Expectations & Protecting Your Business
Setting Boundaries, Managing Client Behavior & Preventing Burnout
Professionalism During Results, No-Results Phases & Escalations

Letter Libary

Personal Information Clean Up Letters
Round 1 Letters
Round 2 Letters
Method of Verification Letter
Hard Inquiry Removal Letter
Late Payments Removal Letters
Repo Letter
Bankruptcy Letter to the Courts
Charge off Letter-605 C
Stall Letters
Reset Letter
Good Will Letter
609 Letters
Privacy Law Letter
Pending Litigation Letter
Dispute of Inaccurate Information on My Credit Report - Violation of 15 U.S. Code § 6802
Follow Suit Letter
Pay to Delete Letter
Furnishing Deceptive Forms Letter
CREDIT REPAIR CLIENT AGREEMENT TEMPLATE

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