How Legitimate Credit Repair Companies Use Current Law (FCRA, Metro 2)
By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
How Legitimate Credit Repair Companies Use Current Law (FCRA, Metro 2) Credit repair companies follow this exact framework: • Pull your credit reports regularly. • Identify inaccuracies/inconsistencies based on Metro 2 guidelines. • Submit dispute letters citing specific FCRA violations (FCRA §§ 611, 623). • Track and escalate unresolved disputes to CFPB or pursue litigation via consumer-rights attorneys. • Aim for precise legal challenges rather than vague disputes to ensure deletion. Note: • Legitimate repair firms never guarantee removal, as that’s illegal under CROA (Credit Repair Organizations Act). • They can only challenge accuracy, completeness, and compliance violations. ⸻ ⚖️ Legal Requirements for Creditors Reporting (Metro 2) Under current standards, creditors must report: • ...
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