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Response to Frivolous Accusation in Microsoft Word Format

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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