WHY PAYDOWN STRATEGY IS READ AS A CONTROL SIGNAL, NOT A FINANCIAL EVENT Most borrowers believe paying off debt is...

DISPUTES ARE NOT ABOUT REMOVAL — THEY ARE ABOUT CREDIBILITY Most consumers believe a dispute is a request to “fix”...

WHAT DTI REALLY MEASURES (AND WHY MOST CONSUMERS MISREAD IT) Most people believe DTI measures “how much of their income...

THE REAL PURPOSE OF TRACKING DEBT (NOT WHAT MOST CONSUMERS THINK) Most people believe tracking their debt means knowing what...

WHAT UTILIZATION ACTUALLY SIGNALS (AND WHY IT IS MISUNDERSTOOD) Most people believe utilization is simply “how much debt you’re carrying,”...

THE REAL PURPOSE OF A SCORE ESTIMATOR Most people think a score estimator is just a way to “guess” their...

Follow Up. Demand Accuracy. Protect Your Middle Credit Score®. Second (Reinvestigation) Dispute Letter: If you’ve already disputed an item on...

Hold Credit Bureaus Accountable and Protect Your Middle Credit Score®. Method of Verification Request Letter: After filing a dispute with...

Dispute Inaccurate Public Records and Protect Your Middle Credit Score®. Public Record Dispute Letter Public records—like bankruptcies, judgments, tax liens,...

Ensure Accuracy. Protect Identity. Strengthen Your Middle Credit Score®. Personal Information Correction Letter: Even small errors in your personal information—like...