This question was asked so I will reiterate. That yes you can dispute accounts showing on your credit report as “n/a” (no activity) for date of last payment or date of last activity that is appearing on your credit report.

 In fact I encourage to do this. That would be a prime classic scenario to get the item removed from your credit report if done correctly. I know many of you may not know what say when disputing or how to format the letters or where to send them. Thats why you will be really jazzed to hear that my Credit dispute software will be released very soon that will automate the credit dispute process and can raise your credit score 200+ points or more.

You can read more details about it here:

http://www.DisputeDemon.com

If you can’t wait for my software to be released I have some credit dispute letters that you can use in the mean time in my E-Book “Credit Score Booster” found here:

http://www.CreditScoreBooster.com

Frank Bruno

A consumer asked this question after they disputed an item on their credit report and the creditor had verified the debt.

They wanted to keep disputing the debt but I warned them that if the debt was originally disputed through the CRA’s (credit reporting agencies) then they will just make a notation in their file as “frivolous” and it will be much harder to get the item removed from your credit report.

Never dispute an item on your credit report directly to the creditor. Alway dispute items directly to the CRA’s that way if the creditor does not get back to the CRA within 30 days to verify the debt it will be deleted from your credit report.

I told the person to send a “method of verification”  letter to the CRA. What this does is that by law,  per FCRA  (Fair Credit Reporting Act) the CRA has to provide you their method of verification when they validated the debt. They must provide you the contacts name, phone number and address that they contacted at the creditor to verify the debt within 15 days.

Here is the beauty of this….

Most creditors communicate to the CRA’s and the CRA’s communicate to the creditors via special software via the web based E-OSCAR System (On-line Solution for Complete and Accurate Reporting) where they never really speak to a real person to validate a debt.

Sooo……

If they can’t provide the person to whom they spoke with to you then the item will be removed from your credit report within 15 days.

If you need to dispute items on your credit but don’t know exactly what to say in your letters or where to send them you are going to really love this amazing new software that I will be releasing within a few weeks.

With this new software you will be able to automate the credit dispute process and generate a custom Credit Score Booster DNA Analysis Report all in one. There are many, many other cool features but I don’t want to spill all my guts just yet. Believe me its hard holding back.

When you subscribe to Watch my Credit Tip Videos you can get tons more unique credit tips and I can also notify you when my credit dispute software is released.

You Can Subscribe to Watch my Credit Tip Videos Here:

Frank Bruno

I just posted a new video I produced on the home page of http://www.Credit-Tip-Videos.com

Basically the video is an intro to my Credit Tips video series for consumers and real estate professionals which you can subscribe to and watch unique but legal techniques on how to improve credit reports and credit scores.

These videos are ideal for both consumers and real estate professionals-

Credit Tip Videos For Consumers-  learn tips and tricks on how you can dramatically improve your credit report and credit scores.

Credit Tip Videos For Real Estate Professionals-  Provide my unique vidoes for your clients to watch by placing them on your web site. Educate your clients, close more deals faster as well as at the same time improving your relationship with your clients.

Go Here To Check Out My New Video

Frank Bruno
http://www.DisputeDemon.com
http://www.CreditScoreBooster.com