🚀 CASE REVIEW – ROUND #1 RESULTS!

Chrissa Mae Tumlos

3d • 💳 Share Your Credit Wins 🏦

📈 Credit Score Improvements

Equifax (EQ): 600(+75 points)

TransUnion (TU): 604 (+77 points)

Experian (EX): 550 (+31 points)

✨ Round 2 Results:

TOTAL ITEMS DELETED: 53

TOTAL CHARGE-OFF AMOUNT REMOVED: $42,178.00

✔️ Charge-Off Accounts Deleted: 11

✔️ Hard Inquiries Removed: 32

✔️ Personal Information Items Deleted: 10

💡 Important FCRA Insight

Under the Fair Credit Reporting Act (FCRA), consumers have the right to dispute inaccurate, incomplete, outdated, or unverifiable information on their credit reports. To address charge-off accounts, unauthorized hard inquiries, or incorrect personal information, start by carefully reviewing your reports from all three major bureaus and identifying any errors. Gather supporting documentation such as proof of payment, account statements, creditor correspondence, or official records verifying correct personal details. Prepare and submit formal dispute letters to each relevant bureau, clearly explaining the issue, referencing prior disputes, and including all evidence. Credit bureaus are required to investigate within 30 days and provide results, including updated reports if corrections are made. If disputes are not resolved, follow up directly with creditors or escalate to the Consumer Financial Protection Bureau (CFPB) as needed.

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