WHO IS STEVEN

Credit Repair Pre-Litigation Disputes Method Program

FOUNDATIONAL COURSES

Foundational Fundamentals – Law and Government 101 – US Law Intro Fair Credit Reporting Act Explained

Credit Reporting Industry Standard as the Basis for Accuracy

What You Will Get:

• Understand the fundamentals of the credit reporting industry standard
• Learn how to read a report based on the industry standard
• Learn how to defend your disputes based on the industry standard

Using a Power of Attorney

What You Will Get:

• Learn the basics of a Power of Attorney
• The difference between the FCRA and POA law
• Learn how to defend your disputes using a POA

Credit Repair Basics

What You Will Get:

• Overview of the Telemarketing Sales Rule
• Overview of the Credit Repair Organizations Act
• Overview of state credit repair laws

Building a Solid Fact Pattern

What You Will Get:

• Laying the foundation with the first dispute
• Adding to the fact pattern with each subsequent dispute and correspondence.

ADVANCED LEVEL COURSES

• Litigation – The Good, The Bad, and Everything In Between
• You Are a Fact Witness
• Expert Part 1: Becoming a Subject Matter Expert
  1. If you want to take your level of professionalism to the next level, you need to become a expert in understanding the Credit Repair Pre-Litigation Disputes Method
• Expert Part 2: Become an Expert Witness
  1. Types of Expert Witnesses
  2. Drafting Expert Witness Reports
  3. https://www.expertinstitute.com/resources/insights/drafting-expert-witness-reports-pitfalls-best-practices/
  4. https://www.litigationinsights.com/tips-prepping-expert-witness/
  5. https://www.expertinstitute.com/resources/insights/how-to-qualify-an-expert-witness-a-sample-voir-dire/
  6. https://expertwitnesstrainingcertification.com/
• Mock Trial
  1. https://dhsmocktrial.weebly.com/09—expert-witnesses.html
  2. https://dhsmocktrial.weebly.com/qualifying-experts.html

CREDIT REPAIR PRE-LITIGATION DISPUTES METHOD PROGRAM

The Credit Repair Pre-Litigation Disputes Training Course is designed to be powerful enough to benefit the most seasoned credit repair professional while nimble enough to be a launching pad for start-up credit repair companies.

Some of the benefits include:

• Weekly live video webinars where you can interact with Steven and get your questions answered
• Private Facebook Group with other training course members where you can interact with Steven through the week and post up questions.
• Access to legal library resources that would cost thousands of dollars by themselves

THE THREE PILLARS OF CREDIT REPAIR PRE-LITIGATION DISPUTES

Credit Repair Pre-Litigation Disputes consist of three pillars:

• Use a notarized Power of Attorney to send disputes directly in the name of your credit repair company
• Use the industry standard to understand how to read a credit report for accuracy
• Use the data furnishers as important resources to leverage your disputes

POWER OF ATTORNEY

Many people have the misconception that a credit accuracy dispute to the credit bureaus must be sent by the consumer. Not only is this not true, this goes against the spirit of the FCRA when Congress stated that “It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer…” (15 USC 1681(b)). There is nothing more fair and equitable to the consumer than to allow him or her to hire the services of a trained professional to place him on equal footing to the credit industry.

UNDERSTAND THE INDUSTRY STANDARD

Learn The Industry Standard for Credit Reporting Accuracy

Metro2® is the industry standard that the credit bureaus and data furnishers have created and adopted to comply with the FCRA’s requirement to report accurate, complete, and timely information. Learn key concepts on how to read a credit report based on the industry standard for accuracy.

Many people struggle with understanding how to get the fundamental basics of reading a credit report. This course will walk you through the building blocks of the industry standard so that you can more confidently:

• Read a credit report
• Structure accuracy disputes with leverage and confidence
• Reasonably anticipate the potential outcomes of your dispute
• Be aware of your follow-up options before sending your dispute.

DISPUTE WITH THE DATA FURNSIHERS

Many people only dispute with the credit bureaus and stop short of leveraging the power of disputing with the data furnishers. The Credit Repair Pre-Litigation Disputes Method allows you to confidently and professionally dispute with the data furnishers. Since the furnishers are the source of the data that the credit bureaus have in their databases, it only makes sense that the furnishers should also be able to be effectively questioned during the credit dispute process.

Set an Unshakable Dispute Foundation

The Credit Repair Pre-Litigation Disputes Method places an emphasis on creating a high-quality first-round dispute that lays the foundation for all subsequent disputes and communication. The way that Congress intended the Fair Credit Reporting Act to operate was for the burden to be placed on the consumer to inform the credit bureaus of their errors. But once the credit bureaus were put on notice of their errors, Congress placed the burden on both the credit bureaus and the furnishers to have “reasonable procedures” to either properly modify or delete the inaccurate item.

The way that Congress crested the FCRA enables the consumer to more easily seek legal recourse if the dispute is believed to have not been reasonably resolved after the dispute.

WHAT IS PRE-LITIGATION

The Credit Repair Pre-Litigation Disputes Method teaches that almost everything after the round 1 dispute should be treated as “pre-litigation.” In other words, it should be treated as a negotiation with the credit bureaus and furnishers that leverages the failures in the round 1 dispute to compel a deletion of the information that is believed to have not been properly corrected after the round 1.

A key concept is that credit information which remains inaccurate after round 1 and which has not been deleted is now rendered false information because the information is not authorized under the FCRA to remain reporting after 30 days unless it is corrected. In other words, an item that continues to report inaccurately after the dispute is false information because it should not be in the credit report at all.

Leveraging the power of a well-formulated round 1 dispute puts the consumer in a much better position to negotiate the pre-litigation perspective in all subsequent communication.