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Fight credit bureau stalls with FACTA & FCRA method
You may have noticed if you are correcting your credit yourself that often you will receive letters back from the credit bureaus (CRA) that they have completed their investigation and the results are not favorable... Account remains! This happens often and consumers get stuck in the credit repair process at this point and are unsure what to do next. How do you argue it, how do you get them to change their results.

The key to victory is: FACTA-FCRA 611-312 Method

The credit bureaus are obligated by law to contact the furnisher of information when you request that they investigate an item. If that furnisher of information replies back to the CRA that the account is to remain unchanged then the credit bureaus will pass that information along to you. At that point in the dispute process you need to question the CRA on the information they received from the source and ask that they show you what was received to prove the account is to remain. By doing this you are forcing the credit bureaus to actually provide you with what they received as valid proof and if all they received was a reply from the source stating "to remain" then the source did not do their job in investigating the item as they should have. You can then put pressure on the source to prove it or remove it.

The law that provides this protection
You can use both the FCRA section 611 (a) (7) and 623 plus the FACTA to apply pressure. FACTA is a new law passed earlier this year. Under FACTA §312 a furnisher of information must do the following BUT you have to follow procedures as described exactly in the FACTA or it will not work. That means no shortcuts and it's not VOD (validation of debt).

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