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When a Rapid Rescore Can’t Fix It
A borrower who’s reported as deceased, mixed with someone else’s file, or stuck with identity theft the bureaus won’t remove. These aren’t rescore problems. They’re Fair Credit Reporting Act problems, and that’s all I do.
Send me a borrower if…
- A bureau shows them as deceased, or there’s no score at all
- Their file has someone else’s accounts, name or SSN
- Fraud accounts keep coming back after disputes
- Balances or lates are wrong, including after bankruptcy
- They disputed and the bureau “verified” it anyway
Why Disputes and Rescores Often Don’t Work Here
A rapid rescore updates a score after a creditor corrects something. It can’t make a credit bureau fix an error the bureau refuses to fix. And with deceased flags and mixed files, the bureaus often do exactly that: they run the dispute through an automated system, the furnisher “verifies” its data, and nothing changes.
Meanwhile your borrower can’t get scored, underwriting can’t move, and the deal sits. The Fair Credit Reporting Act gives the borrower real leverage: the bureaus and the companies reporting to them have to investigate properly, and when they don’t, they’re liable for damages and attorney’s fees. That leverage is what gets errors corrected when ordinary disputes haven’t.
The errors I handle most
- Reported as deceased: no score, automatic denials. You need all three bureaus showing the borrower alive.
- Mixed files: a parent, sibling, twin or stranger’s accounts merged into your borrower’s report.
- Identity theft the bureaus won’t remove after a proper dispute.
- Inaccurate tradelines: wrong balances, phantom lates, accounts still showing a balance after bankruptcy.
What it costs your borrower
Nothing out of pocket. I work on contingency. Under the FCRA, a defendant that violates the law pays the borrower’s attorney’s fees, so there’s no retainer and no bill.
I’m not a credit repair company. I don’t dispute accurate information, and I don’t promise score increases. I go after real errors and the companies responsible for them.
How a Referral Works
1
You send them my way
Give the borrower my number or the case review form. Or call me first and I’ll tell you whether it sounds like a case.
2
I review it personally
I look at the reports and the dispute history, and tell the borrower honestly whether they have a claim.
3
I go after the error
Proper disputes, and if the bureaus still won’t fix it, a federal lawsuit. I keep the borrower updated, and with their permission, I’ll keep you in the loop.
Every case is different, and I can’t promise how long a correction will take. I’ll always tell you and the borrower where things stand. I don’t pay referral fees; the reason to send borrowers my way is that it helps them, and helps your pipeline.
Common Questions
Does the borrower have to be in Georgia?
No. FCRA claims are federal. I’m licensed in Georgia and New York and handle cases nationwide, working with local counsel where needed.
What should the borrower bring?
Copies of their credit reports, any denial or adverse action letters, and copies of any disputes they’ve already sent. If they don’t have everything, that’s fine. We can get the rest.
Can you talk with me directly about a file?
Yes. Call me to describe the problem in general terms, and I’ll tell you whether it’s the kind of thing I handle. Once the borrower contacts me, I’ll need their permission to share details about their case with you.
Will you do a lunch-and-learn for my branch?
Gladly. A short session on spotting deceased flags, mixed files and other FCRA errors before they stall a file. Reach out or call (770) 775-0938.
Got a File Stuck on a Credit Report Error?
Send the borrower my way, or call me first to talk it through.