10/08/2026
Want to understand
credit repair ???
I’m talking about
credit repair done the right way where we
actually get results.
The first thing to
understand is where
the information
on your credit report
actually comes from.
Experian , Equifax ,
and TransUnion ,
don’t loan any of us money.
But they know our complete credit story.
Our payment history ,
credit limit , charge offs ,
any collections we have.
And whether we paid
our mortgage on time
last month.
The credit bureaus
for the most part are
largely just collectors
and organizers of data.
Banks , credit card companies ,
auto loan lenders ,
mortgage companies ,
debt collectors ,
and plenty of other
companies send information about consumers to
credit reporting agencies.
That’s where they
get their info from that
goes on our credit report.
The CFPB calls
these companies data furnishers.
It’s not just
Experian , Equifax ,
and Transunion.
It’s much bigger.
The CFPB keeps a
list of consumer reporting companies operating in
specialized areas.
These companies
deal with things like ….
Employment screenings.
Tenant screenings.
Banking and checking history.
Insurance.
Utilities.
Telecommunications.
And other specialized consumer information.
Our financial data ecosystem is so
much bigger than most folks realize.
When we analyze a
credit file ,
we’re not just asking ,
“Is this account negative?”
We go SO much
further than that.
We are deep
diving into …..
Who furnished this information ?
What exactly are
they reporting ?
Are all three bureaus
reporting it the
same exact way ?
Does the information identify the correct consumer?
Does the balance
make sense ?
Does the account status
make sense ?
Are the dates consistent ?
Has information that
changed been properly updated ?
Are they communication legally ?
Are there any
mistakes ….
any where.
Can the information being reported actually be substantiated ?
We go thru it ALL.
We go through things
in a way you wouldn’t believe.
It’s all legal.
I’m not going to do anything illegal.
But we definitely
use every law ,
and every right the consumer has so that
we can hold the bureaus accountable to the
information they are
putting on our bureau.
Federal regulations concerning furnishers specifically address the accuracy and integrity of furnished information.
The CFPB’s Regulation V guidance says information should identify the
appropriate consumer, accurately reflect the
account and the consumer’s performance ,
and be substantiated
by the furnisher’s records when furnished.
The key is to
understand that
phrase ,
“Substantiated by
their records”.
That’s an entirely
different conversation than:
“I have a collection.
Can you get it deleted?”
The Fair Credit Reporting Act gives us the right to dispute information we believe is inaccurate or incomplete.
But there’s a full process.
The credit reporting
company investigates.
Information can be communicated back to the company that originally furnished it.
The furnisher has investigation responsibilities as well.
And investigations
generally must be
completed within 30 days, although certain circumstances can extend that to 45 days.
Credit repair isn’t supposed
to be about throwing letters against the wall and
hoping something
disappears.
It’s about
understanding the data.
Understanding
who’s reporting it.
There are a lot more
laws in our favor than
people realize
but you have to know what you’re actually looking for.
The system they have
in place is far from perfect.
In January 2025 ,
the CFPB ordered
Equifax to pay a $15 million civil penalty after finding problems that included failures involving dispute reinvestigations ,
reinsertion of previously deleted information ,
identity theft blocks and procedures designed to assure maximum possible accuracy.
Think about that.
One of the largest credit reporting companies in America.
$15 million fine.
For issues involving the
very processes we the consumer depend on to
make sure their information
is accurate.
That’s exactly
why they say 87% of
people have things in their credit that aren’t accurate.
We don’t take the credit bureaus word
on anything.
After doing this for
six years and working
with thousands of
credit files ,
I see something
completely different.
It’s a giant data file.
And every piece of that data came from somewhere.
It’s not always ,
“How can I get this removed “.
Sometimes the better question is ,
“Where did this information come from , what exactly is being reported ,
and is the information accurate , complete
and verifiable ?”
Because if it isn’t …..
The law says it has to
come off your credit.
When you know this it
causes credit
reports to start looking completely different.
That’s what
six years of doing nothing
but figuring this stuff out teaches you.
If you’ve got negative
items on your credit let’s
have a conversation.
I’ll put our website in the comments.
