I am so confused about the dispute process. I read a lot on this website and I feel that I need clarification as to what I should do first. I read where someone attended a seminar and it almost sounds familiar to me. I heard the same things and I am or was excited about my new found dream of having a 700 credit score or better. I had my tri merge report pulled and I am following the advice from this site as well as the software I received from the seminar. I just really want to get my life back on track and I need to know how to start. I need to know that what I was told at the seminar is true. I was told that any negative item on your credit profile that is not reporting 100% accurately must be deleted. Also I was told that you do not have to pay the debt back due to most of the inaccuracies on the credit profile. Please help because I do not want to mislead other people into the same trap if any that I have fell into.
Dont confuse with dispute process. In my opinion u should counsult some good expert.Put some PM to experts, they will help you out.its good that you are thinking about other, not to mislead.
Truth or Consequences. Theoretically true. From a practical standpoint, not always true. Absolutely false. Unless you sue them in Federal court and even though you might win a huge settlement you will still have to pay the debt out of the proceeds of the settlement in many cases. While the value of the damages due you if you win might exceed the value of the claim they have against you, their claim will most likely have to be paid unless you can get it taken care of in a settlement agreement. That might be most easily explained using the old saying that two wrongs don't make a right. You defaulted so that was the first wrong. They broke FCRA or maybe FDCPA or other law and that made the second wrong. Each party is entitled to what is properly due them. Trying to use their sins as a defense don't work very well in most courts. Trying to use their sins in a counter suit quite often won't work either. Finding people who claim to have won in court against a seasoned attorney using some argument they cooked up is easy to do. The net is full of it. But the problem is that they won't usually give a valid case number in a court of law that you can find so lacking that you really can't believe any of it no matter how good it sounds. It is possible to win against seasoned attorneys but it takes a lot of study and research and know how. It isn't anywhere near as easy as it might seem reading the posts on some message forums. Based on what you said earlier, it sounds like a scam to me. That's all I have to go on.
