Four things worth reading first
Written for somebody who has just been declined, or has just found something on their report they do not recognise. None of it is a sales page and all of it is usable without hiring anybody.
No guest posts, no syndication, and nothing written to rank for a search term.
What a decline actually means
A lender said no and blamed your credit. Here is what they are required to send you, what it will and will not tell you, and what to do with it in the first week.
Dara Whitfield, Consultation
The thirty day clock, and the day it really starts
It does not start when the letter is written. It starts when the dispute arrives, which is why the proof of delivery matters more than the letter does.
Marcus Ibe, Disputes
Why we will not quote you a score
Every company that promises points is making the same illegal promise. What we can tell you instead, and why the honest version is more useful.
Dara Whitfield, Consultation
The letter that gets read
Why a template that disputes everything gets treated as frivolous, and what a specific letter contains instead. With the paragraph that does the work.
Priya Ramanathan, Disputes