🔓 FREE METRO 2 DISPUTE GUIDE
UNLOCK THE SECRETS TO EFFECTIVE CREDIT REPAIR
Our comprehensive Metro 2 Dispute Guide reveals 7 powerful dispute reasons we've used to help clients remove negative items and boost credit scores by 50-100 points.
7 PROVEN METRO 2 DISPUTE REASONS
These dispute reasons have helped our clients successfully remove negative items from their credit reports
1. Incorrect Account Status Codes
Challenge accounts showing incorrect status like "charged off" when you settled the debt, or "collection" when you've paid in full. Cite the creditor's obligation under the FCRA to report accurate status codes.
2. Illegal Re-Aging
Dispute when the Date of First Delinquency (DOFD) has been changed to a more recent date, effectively extending how long negative information remains on your report. This violates FCRA Section 623(a)(5).
3. Balance Mismatches
Challenge reported balances that don't match your records, especially with charge-offs, collections, or settled accounts. Provide settlement documentation showing the correct amount paid.
4. Duplicate Accounts
Dispute when the same debt appears twice on your report, often with different account numbers or creditor names, artificially inflating your utilization ratio. Cite FCRA requirements for accurate reporting.
5. Missing Payment History
Challenge incomplete payment history reporting, especially where positive payment history is omitted while negative information is retained. Request verification of complete payment history.
6. Incorrect Creditor Information
Dispute wrong original creditor information, especially with debt buyers, or incorrect account ownership details. Request verification of the chain of ownership documentation.
7. Expired Reporting Period
Challenge negative items still appearing after the 7-year reporting period has expired (measured from the Date of First Delinquency). Cite FCRA Section 605(a) which limits most negative information to 7 years.
Don't Want To Do The Work Yourself?
After reviewing our guide, if you decide you'd prefer to have experts handle your credit repair process from start to finish, we're here to help.
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