Credit Repair Dispute Reason Cheat Sheet

Use this dispute reason cheat sheet (progression chart) to craft your dispute reasons when writing your dispute letter for credit repair purposes. 

Stop using TEMPLATES! Start thinking logically and create your disputes based on "factual" information. This means that you take the info on the credit report and base your disputes on it. 

This covers ALL negative item types and falls into 6 categories: 

Collections

Charge-offs

Late Payments

Inquiries

Identity Theft

Bankruptcies

Judgements/tax liens

*all negative items fall into these categories, including foreclosures, student loans, repossessions, etc.

i.e.

charge-off with 3 different dates listed under "date of last activity"

dispute reason: remove this account immediately due to the fact that you're reporting 3 different dates under "date of last activity" and this is inaccurate

This PDF will show you the progression that your dispute reasons should take and provides examples per each dispute type. 

i.e.

collection

unknown account

remove this account because it's unknown

If you have any questions, please let us know!