BestStartBiz

FREE GUIDE · 15 PAGES · INSTANT PDF

The 11 Credit Dispute Plays

A charge-off, a collection, a medical bill and a repossession each have completely different weak points. One generic “this isn’t mine” letter gets a generic denial on all four. This guide gives you the specific play for each one.

The Credit Dispute Playbook free guide cover

Where should I send it?

Enter your email and the PDF arrives in about a minute.

No cost and no catch. Unsubscribe any time. We never share your address.

What is inside

Eleven chapters. One for every kind of negative mark.

Each chapter follows the same shape: what the item is, the specific statute that protects you, the step-by-step play, and how you know you have won.

  1. 01Hard inquiries and permissible purpose
  2. 02Charge-offs and the date of first delinquency
  3. 03Third-party collections and debt validation
  4. 04Bankruptcies and method of verification
  5. 05Late payments and the furnisher ledger
  6. 06Student loans, rehabilitation and discharge
  7. 07Repossessions and deficiency balances
  8. 08Evictions and tenant screening reports
  9. 09Medical collections and what really applies now
  10. 10Child support arrears and obsolescence
  11. 11Reinsertions and the five-day notice rule

Why this one

Most credit guides online are copies of copies.

There is a whole genre of recycled credit repair PDFs passing the same errors from one to the next. Three that are corrected in this guide:

  • Medical debt is not protected by a federal rule. The CFPB rule was vacated by a federal court in July 2025 and never took effect. What still works is 2023 bureau policy plus state law.
  • The seven-year clock is not seven years. For a collection or charge-off it runs from 180 days after the date of first delinquency.
  • Section 609 letters do not delete anything. That section is a file disclosure provision. The real leverage sits elsewhere in the FCRA.

A good fit if

  • You pulled your report and do not recognise half of what is on it.
  • You have been declined and want to know the actual reason.
  • You would rather spend an afternoon than $99 a month.

Not a good fit if

  • You want someone else to do the paperwork for you.
  • You are looking for a way to remove accurate negative information.
  • You want a guaranteed score by a specific date.

One thing this guide will not do. It covers removing inaccurate items, which is defense. A clean report with no positive history is still a file no lender can evaluate. The rebuilding half is in the full edition, and there is a note about it at the end of the PDF.

Powered by