What happens after round 1?


Many people get confused about what to do after round 1. This quick article cannot cover everything, however; if you want to truly understand all the basics we highly recommend you take our Basic Disputing Course

So, each time you send a dispute letter to a credit bureau, the bureau will investigate and mail a response back within 30-45 days depending on mail time. The response letter they send should include the results of each investigation for each item disputed.  If you are working on a client’s credit, make sure you ask the client to send you the response so you can determine what to do next. 

When you open the envelopes, usually you will find the results of the investigation which will  generally will look like:

  • A couple of pages of consumer disclosures advising you of your rights. 
  • A blank page intentionally left blank. 
  • A full or partial credit report. 
  • An investigation results page, listing the accounts which were investigated, along with the outcome of each investigation.   

The investigation results page is what you're looking for. 

The next step you take depends on the response you received. There are many ways it can go… But for the sake of simplicity, there are 3  different response types: 

  1. No Response:  meaning you do not receive any response in the mail. If one or more of the bureaus does not respond, you can follow up with a “no response” letter template. 
  2. Verified:  meaning, the bureau refuses to delete them. This could be a letter verifying the item, or it could be a stall letter.  If the information was verified, you can follow up requesting the method of verification, you can send a warning letter or even file a complaint to get their attention. If it was a stalling letter, the bureaus may be asking for more information or they just dismiss your investigation due to a reason they think is sufficient. We have over 100 letters in our library to suit any situation.  
  3. Deleted: this is the result you want - the bureau removed the information from your report! If the item was deleted, you can start over with Round 1 and dispute additional items. Also, go to the "Dispute Items" page and change the status to deleted. Click HERE to learn more about how to do it: Once you update the item to "Deleted" status, your client gets a notification and you look like a hero!  

Remember, every cycle will be different. Each credit bureau maintains its own records and has different procedures, so you will often see items removed on one bureau, but not the next.  You simply review the results for each round and make a decision on what to do next. Our training will teach you all the details, and if you ever get stuck, you can always lean on our Facebook Community to ask questions and hear the opinions of our 12000+ members. 

Although the credit repair process is not difficult, this article is simply a summary of what comes after Round 1. There are many additional strategies including direct furnisher disputes, validation demands, goodwill interventions, factual disputing, filing complaints, debt settlement, and a range of credit building techniques you can do to get your client's results. Regardless of your experience level, our online courses, live training, and #CreditHero community are here to help you every step of the way.  

It can become complicated keeping track of all of the results. Those of you taking advantage of the Credit Repair Cloud software, don’t really need to worry about this. The system makes it super easy to keep track of everything and most importantly we make it possible to launch, run and grow your own credit repair business from nothing!  

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