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Factual vs Metro2?
Factual Disputing
Factual Disputing is a very well know and easy to do credit repair method. The idea here is to try and "prove" you don't owe the debt. But what if you really do?
This is a great tried and true method but this can take forever, more so can be proven that you do in fact owe the debt if the creditor and or debt collector has the proper documentation such as a contract you signed, your home address and even your social security number.
This is the best option when you have time on your hands or no more than 5 derogatory items. If you need a more aggressive approach, the best solution is Metro2 Compliance Challenging.
Metro2 Challenging
Like Factual Disputing, Metro2 Challenging is a credit repair method. The main difference is that factual disputing is based on proof and Metro2 is challenging whether or not the creditor and or debt collector is compliant within the requirements set forth by FCRA.
Metro2 is more effective because it deals straight with the e-Oscar System and factual is left to human error that can take time to get right costing you time and money in the long run.
This is the best option when need you have to be approved very soon for a loan, job or any application that is reliant on your credit score.
E-Oscar
The “OSCAR” in e-OSCAR stands for “Online Solution for Complete and Accurate Reporting.” The software was created in 1993 by the “big three” credit bureaus: Equifax, Experian, and TransUnion.
E-OSCAR is basically an automated credit dispute system. The agencies created it to alleviate the growing amount of manpower needed to process consumers’ claims of mistakes on their credit reports.
As mentioned by https://datalinxllc.com/e-oscar a CREDIT BUREAU REPORTING SERVICE for creditors, debt collectors and so forth.
Our 3 Step Process
Analyze Credit Report
Over 80% of reports have errors on them that are holding consumers back from being application, rental or job approvals. We Analyze Credit Reports every 30-35 days.
Targeted Dispute Letters
We do not just send out letter. Not only do we Analyze Credit Reports every 30-35 days, we also write our letters specific to the response or course of action for your file.
Lifetime Credit Repair
Maintain your Score Connection Active for a Lifetime of Credit Repair. We will be notified of any red flag that will hurt your credit and fight it on the spot.
What's Included?
3 Bureau Reports and Scores
We provide updates every 30-35 days based off of your 3 bureau credit reports and scores as well as a progress report.
We also go over any updates with you via phone if you rather speak to a person.
Metro2 Compliance Letters
The FCRA requires that all data that is reported to the bureaus, via e-Oscar, meet the Metro2 Compliance requirements.
Where traditional credit repair is based on proving the debt is not yours, Metro2 focus on whether or not the reporting is compliant.
FCRA and FDCPA Violations
We work with consumer lawyers and provide FCRA and FDCPA violation services to all our clients.
Dedicated Account Manager
We provide white glove support through an account manager personally assigned to your file.