This letter is used when the credit bureaus respond with "frivolous" or "verified as accurate". This tactic is called the "Repeat Offense Tactic" and there are a few different ways to deal with it. If you are using factual based disputes, your dispute should NOT come back as frivolous, but we all know they do. There is a way to prove this and to get your negative items deleted, and this is yet another follow-up tactic for credit bureaus and creditors that is designed to catch them in document violations. This tactic is based on a section 623, which states that repeat disputes can be flagged as frivolous by the creditor if the (creditor) has already performed their duty which means that they have already done a reasonable investigation.
What you'll get:
- A Powerful letter that will aid in assisting you when credit bureaus deem your disputes as frivolous.
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