12 Dispute Letter Strategies

Learn various ways you can dispute inaccurate information using a step-by-step system.

💡 Key Dispute Flows Explained

1. Verified Response Strategy (15 flows)

   • Used when credit bureaus mark items as “verified.”

   • Offers 15 different strategies to continue disputing effectively.

2. Stall Letter Response Strategy (24 flows)

   • For handling stall letters from bureaus that delay the dispute process.

   • Contains 24 pre-built responses.

3. Step-by-Step Dispute Flow

   • A structured flow for beginners and experienced users.

   • Outlines what letter to send in each round.

4. Double Attack Flow (Collector + Bureau)

   • Simultaneous disputes with collector and credit bureau.

   • A six-round dispute strategy to enhance results.

5. Double Attack Flow (Creditor + Bureau)

   • Similar to above but disputes involve creditor and bureau.

   • Alternates between both parties.

6. Triple Dispute Flow (Bureau + Creditor + Collector)

   • Aggressive 3-way dispute involving all parties.

   • Sends out three simultaneous dispute rounds.

7. Factor Creditor Laser Flow

   • Direct dispute with creditor only (6 rounds).

   • Bypasses the credit bureaus completely.

8. Factual Credit Bureau Flow

   • Direct six-round flow targeting credit bureaus only.

   • Does not include collectors or creditors.

9. FDCPA Collector Blazer

   • Targets collection agencies only.

   • Uses FDCPA rights to challenge inaccuracies.

10. Aggressive Four-Point Attack

    • For use when bureaus/collectors/creditors violate laws.

    • Involves regulatory bodies (e.g., CFPB, FTC).

    • Requires customer-initiated complaints for legitimacy.

11. Metro 2 Flow

    • Uses Metro 2 format letters and follows AI logic.

    • Includes pre-round and six dispute rounds.

12. AI Workflow

    • Leverages AI to generate factual and law-based letters.

    • Offers a fully guided dispute sequence.