Day 1 – Bankruptcy Removal & Disputes Today we’re talking about bankruptcies and what you should actually look for before disputing one. First, understand that you cannot legally remove accurate information just because it’s negative. What you can do is challenge information that is inaccurate, incomplete, outdated, duplicated, or cannot be verified through the dispute process. Step 1: Check all three credit reports Pull Experian, Equifax, and TransUnion. Look at how the bankruptcy is reporting on each one. Check: - Bankruptcy chapter - Filing date - Discharge date - Status - Court information - Case information - Duplicate reporting - Any information that does not match your records Under FCRA §611, 15 U.S.C. §1681i, you have the right to dispute information you believe is inaccurate or incomplete. Be specific in your dispute. Don’t just send a letter saying, “Delete this bankruptcy.” Tell them exactly what information you believe is wrong and why. Step 2: Check the reporting period Bankruptcy information is subject to federal credit-reporting time limits. Under FCRA §605, bankruptcy cases generally cannot be reported after 10 years from the date specified under the law. Check your dates and make sure the bankruptcy isn’t being reported longer than legally allowed. Step 3: Escalate when necessary Dispute directly with the credit bureau first. Keep your dispute letters, proof, confirmation numbers, screenshots, and investigation results. If the inaccurate information remains after the dispute process, you can consider submitting a complaint through the Consumer Financial Protection Bureau. The CFPB currently tells consumers with inaccurate or incomplete credit-reporting complaints to dispute directly with the credit reporting company first. Day 1 Homework Pull all three reports and answer: 1. Is a bankruptcy reporting? 2. Are the dates correct? 3. Is the chapter correct? 4. Is the status correct? 5. Is anything duplicated? 6. Is it still within the legal reporting period? 7. Have you disputed it before?

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I just uploaded a FREE Auto Loan Dispute Letter you can use as a starting point when submitting a complaint through the CFPB if you believe your auto loan is being reported inaccurately or you have concerns about your lender’s reporting. This letter is designed to help you request: ✅ Verification of reported information ✅ Investigation of potential reporting errors ✅ Supporting documentation from the lender ✅ Corrections if inaccurate information is found This isn’t a magic deletion letter—it’s a professional template to help you exercise your rights if you believe your credit reporting is inaccurate. 📥 Head to the Downloads section and grab your free copy. Once you’ve downloaded it, comment “DONE” below so I know you got it, and let me know what lender you’re dealing with.

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Stop believing that leaving a revenue split is the same as building a successful tax business. Yes, keeping 100% of your preparation fees can increase your income—but only if you’re building a business, not just doing more tax returns. The real shift happens when you stop thinking like only a PTIN holder and start operating like a business owner. That means: • Creating systems that keep your business organized. • Marketing consistently to attract new clients. • Building workflows that save time and improve the client experience. • Developing leadership skills. • Bringing on the right people to help you grow. Can you grow on your own? Of course. But sustainable growth doesn’t come from working longer hours every tax season. It comes from creating a business that runs efficiently and continues to generate results—even when you’re not preparing every return yourself. That’s the difference between owning a job and building a business.