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LESSON 08 : Credit Disputes & Legal Remedies
Course
Farah Javed
Master your credit rights and dispute strategies under FCRA & FDCPA with actionable steps, templates, and remedies to build a stronger personal credit score.
This micro-learning course, 'I Need Remedy Now: Lesson 8', guides you through the practical steps to protect and improve your credit score by understanding and leveraging your rights under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). Through 10 structured modules, you'll learn: • What protections and dispute options the FCRA & FDCPA give you as a consumer. • How to identify, document, and dispute late payments, collections, or items resulting from identity theft. • How to draft legally compliant dispute letters and use downloadable templates for maximum impact. • The differences between submitting disputes online versus certified mail. • How to monitor the 30-day dispute process, what responses to expect, and what to do if your dispute is unresolved. • How to escalate a dispute to the CFPB or your state Attorney General if necessary. • Advanced remedy tools including the use of affidavits, notary presentment, and conditional acceptance. Each module is actionable and concise, focusing on key steps you can take immediately to initiate, monitor, and enforce your rights. By the end, you’ll have the knowledge and ready-to-use documents to improve your credit report and protect your financial future.
Here is the course outline:
1. Your Legal Shield: FCRA & FDCPA BasicsGet oriented with the federal laws that guard your credit. Discover the purpose of the FCRA and FDCPA and the core consumer rights they guarantee. 9 sections
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2. Spotting Errors & Identity Theft on Your ReportLearn to read your credit report like a pro. Identify disputable items, measure their impact, and catch red-flag signs of identity theft. 9 sections
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3. Writing Dispute and Debt Validation LettersDraft iron-clad dispute letters and tailor debt-validation notices using proven templates that meet every legal requirement. 9 sections
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4. Choosing Submission Method & Building a Paper TrailDecide between online or certified mail, gather proof of mailing, and organize documents that back up your dispute. 9 sections
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5. Running the 30-Day Dispute ClockStart the countdown, track bureau obligations, and anticipate the range of responses you might receive. 9 sections
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6. If Your Dispute Is RejectedApply smart tactics when bureaus push back or refuse changes, including strategic follow-ups and supplemental evidence. 9 sections
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7. Escalating to CFPB & State Attorney GeneralMove your case up the chain by filing precise complaints with the CFPB or your State AG when bureaus or collectors fail to act. 9 sections
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8. Advanced Remedy Tools: Affidavits, Notary, Conditional AcceptanceReinforce your dispute with sworn affidavits, notarized presentments, and conditional acceptance techniques. 9 sections
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9. Protecting Your Credit Going ForwardSet up ongoing monitoring, implement proactive safeguards, and avoid future reporting headaches. 9 sections
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10. Course Wrap-Up and Action ChecklistReview the end-to-end process, download your action checklist, and commit to maintaining a strong credit profile. 11 sections
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