Credit Repair

Credit Repair Dispute Reason Cheat Sheet


Credit Repair Dispute Reason Cheat Sheet – Latest News Today

Use this Dispute Progression chart (cheat sheet) to craft your dispute reasons when writing your dispute letter for credit repair purposes.

Buy for only $15 at or directly at

Stop using TEMPLATES! Start thinking logically and create your disputes based on “factual” information. This means that you take the info on the credit report and base your disputes on it.

This covers ALL negative item types and falls into 6 categories:

Late Payments
Identity Theft
Judgements/tax liens

*all negative items fall into these categories, including foreclosures, student loans, repossessions, etc.

charge-off with 3 different dates listed under “date of last activity”

dispute reason: remove this account immediately due to the fact that you’re reporting 3 different dates under “date of last activity” and this is inaccurate

This PDF will show you the progression that your dispute reasons should take and provides examples per each dispute type.

unknown account
remove this account because it’s unknown

If you have any questions, please let us know!

Want to hand over the burden to an expert? Get a free consultation at

Please watch: “Top 3 Credit Repair Dispute Letter Lies (#1’s the WORST!)”

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Robert Dunfee


  1. Expert Credit Sweeps
    July 14, 2021 at 7:25 pm

    View the most recent videos at – I've shared over 350 of them with you! Get faster results, higher credit scores and an overall shorter dispute duration simply by following my formulas. If you need help with your dispute letters, you can also submit your letter for help with the new series at

  2. Natasha Jones
    July 14, 2021 at 7:25 pm

    I am starting my busy can u please share what software you use?

  3. niaditmas
    July 14, 2021 at 7:25 pm

    what program is that on the screen?

  4. Shelly Simmonds
    July 14, 2021 at 7:25 pm

    Do you send a copy of credit report too show different dates ,for date last active? of just write it on letter?

  5. Patrick SS
    July 14, 2021 at 7:25 pm

    Great information! I have a late payment on TransUnion CR, it was paid but is still being reported. How do I remove from my Account.

  6. Richelle B The PartlyNormal LMT
    July 14, 2021 at 7:25 pm

    Did this letter actually work? I thought they plugged everything into E-OSCAR as a simple 2 or 3 number code? Because of that small number code my "complicated" novellas (500 words or less, double-spaced) were just too long with too much detail for a computer's OCR translation. So I had to get back to a basic format…using software is much faster but few can afford the software.

    My question is are you actually filing a letter after completion of the "cheat sheet" or are you just filling as a chart?
    If you covered in other videos, I apologize as this is the first I have seen from you and you got me to subscribe. Thank-you

  7. I T Mann
    July 14, 2021 at 7:25 pm

    Hello and thank you for this information. I am just trying to understand, how do we even get past the E-Oscar with these letters? How do we get a real human to look at these? The letters seem amazing if a human looks at them. Thank you

  8. mark moses
    July 14, 2021 at 7:25 pm

    How does one, with bad credit, find out when his negatives will fall off? I know they are allowed to report for 7 years.

  9. Para Bellum
    July 14, 2021 at 7:25 pm

    Can I ask for an account to be removed that is still open? I have a late payment, three in a row. First is 30 days then 90 then 120. They skipped 60 days. I missed another time a year later but it says 60 days without any 30. Can I ask for the whole account to be removed even though I’m still paying on it (student loan)

  10. Teresa Riley
    July 14, 2021 at 7:25 pm

    What system are you using??

  11. Chris Reese
    July 14, 2021 at 7:25 pm

    how do i get a disapute off my file that collection one i paid off and one that is not my account

  12. Snub Nose
    July 14, 2021 at 7:25 pm

    so on collections you send directly to the 3rd party collector up until collector did not verify correct? not the bureaus first?

  13. Lifa
    July 14, 2021 at 7:25 pm

    Major gems 💎💎💎💎

  14. Scorpion777 Silvermoon
    July 14, 2021 at 7:25 pm

    You are so knowledgeable

  15. Adam Liebenrood
    July 14, 2021 at 7:25 pm

    If late payment doesn’t show on all 3 bureaus what do you do

  16. Witness Richness
    July 14, 2021 at 7:25 pm

    Thank you so much!

  17. Cami B
    July 14, 2021 at 7:25 pm

    I'm so bummed, but you don't work with people who reside in GA….:(

  18. Jaron Mathis
    July 14, 2021 at 7:25 pm

    What software would you recommend for a person starting their own business. I see Disputebee and Credit Repair Cloud, looking for some expert advice.

    July 14, 2021 at 7:25 pm

    Finally someone who gives answers w o having to buy something! Thank you!

  20. Paige Noel
    July 14, 2021 at 7:25 pm

    What if you factually disputed, and the bureau simply updated the information ignoring your request for deletion?

  21. Franc
    July 14, 2021 at 7:25 pm

    can i still buy this?

  22. Mikangel
    July 14, 2021 at 7:25 pm

    How do I remove a close and a revolving account?

  23. Same Old Me
    July 14, 2021 at 7:25 pm

    what if your debt is sold after its deleted thats if thats legal

  24. slapbass7605
    July 14, 2021 at 7:25 pm

    You have very good content. What is the reason for removing 7 year old debt?  Is it date of last activity?

  25. The AlaiaMizhanii
    July 14, 2021 at 7:25 pm

    Am I sending the letters to collection agency or Experian,Equfax??

  26. Anon Nymous
    July 14, 2021 at 7:25 pm

    Very Thorough Information!

  27. Emilie V
    July 14, 2021 at 7:25 pm

    What if there is no DOLA at all on any of my accounts?

  28. Robby Jordan
    July 14, 2021 at 7:25 pm

    I have a question. I’m new to this and your videos are the most helpful and best explained that I can understand. I have an account that is negative but on the credit report it’s showing the payments I’ve made are not correct. On the first month it has $15 and month two and three show $158. The first month is supposed to be $158 as well they apparently forgot the 8 obviously. Can I have this negative removed from all bureaus because it’s improperly reported or just the ones it’s on.

  29. Dasha Andino
    July 14, 2021 at 7:25 pm

    What if they reported the account to Equifax and Experian one has last active account has 4/13 but the other one does not have a date. Equifax has an account number of xxxxxxx the other one says 5677xxxxx can I report that as inaccurate ? FYI One has account type as unknown and the other one as other.

  30. Lisa Amavizca
    July 14, 2021 at 7:25 pm

    I need to know how to quickly change the info regarding my name my name after soc sec got a hold of my marriage certificate and legally changed my name. They removed my now deleted middle name and put maiden as midle name instead of hyphenated maiden and married . Long story short every time I try to request report now they cannot ever verify my info and I denied access . Without sending letter and ID with proof Thank you in advance !!

  31. jose melendez
    July 14, 2021 at 7:25 pm

    I can't like this info enough, great clear explanation. Thank you.

  32. Miguel Jimenez-Arroyo
    July 14, 2021 at 7:25 pm

    Purchased thank you

  33. Carm C
    July 14, 2021 at 7:25 pm

    question: on a medial collections, Can i dispute how one credit bureau, has the account as open status, and another has it as closed ?