🚀 CASE REVIEW – ROUND #3 RESULTS!

Chrissa Mae Tumlos

Oct 14 • 💳 Share Your Credit Wins 🏦

📊 Case Review Summary:

✨ Deletion Success Rate: 60.8%

💳 Total Items Deleted: 15

💰 Total Collection Amount Removed: $1,206.00

📁 Deleted Items:

• 6 Collection / Charge-Off Accounts

• 7 Personal Information Errors

• ✅ 2 Accounts with LATE PAYMENT status Updated to Positive (paid as agreed)

💡The dispute process began with a comprehensive credit report audit across all three major bureaus—Equifax, TransUnion, and Experian. During this initial review, thirteen inaccurate or unverifiable items were identified, including collection or charge-off accounts and personal information discrepancies such as incorrect names and outdated addresses. These findings constituted violations under Sections 602A and 609(a) of the Fair Credit Reporting Act (FCRA), which require accuracy and verifiable reporting of consumer data. The entire dispute process was conducted in full compliance with the Fair Credit Reporting Act, specifically Sections 602A, 609(a), 611(a), 611(a)(7), 623(a)(8), and 605B, ensuring that every action taken was lawful, documented, and consumer-protection focused. This structured approach demonstrates the effectiveness of a methodical, evidence-based dispute strategy in restoring accuracy, improving credit health, and securing financial empowerment for the client.

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