Metro 2 Compliance: there is a time and place for disputes

BUT... THERE ARE VERY FEW PLACES IT IS RELIVANT!


Brought to You by :

Relion Credit Solutions LLC

Why the RELION Metro 2 Program for Your Your Auto Dealership.

How RELION Metro 2 Auto Program Can Prevent You From Losing Money

Only 1 IN 5 CONSUMERS EVEN HAVE A CLEARLY dispute-able derogatory item to even remotely HOPE for success if arguing the truth, accuracy, or likelihood of success by DISPUTING IT!


THE PROBLEM WITH CREDIT TODAY IS THE ALMOST CERTAIN INABILITY TO EFFECTIVELY AND EFFICIENTLY ENHANCE AND OR ENRICH CONSUMER CREDIT PROFILES! THIS IS IRREFUTABLY PROVEN BY EVEN THE RECENT FTC

STUDIES, ONE POSTED FOR FTC RELEASE ON February 11, 2013 ENTITLED 


"In FTC Study, Five Percent of Consumers Had Errors on Their Credit Reports That Could Result in Less Favorable Terms for Loans"


https://www.ftc.gov/news-events/press-releases/2013/02/ftc-study-five-percent-consumers-had-errors-their-credit-reports


Per this above noted LINK, 

FAILURE almost ASSURED if DISPUTING traditionally at least!


One in four consumers identified errors on their credit reports that might affect their credit scores; Of those ONLY ONE in TWENTY had a SIGNIFICANT error!


**Clearly this would signal LIKELIHOOD of ANY DISPUTE-based tactic for credit enhancement to BEGIN the fight with greater odds of FAILURE than remote odds as future success by disputing the truth or correctness of a reported issue!


NOT GREAT for consumer CONFIDENCE if trying to rectify their personal consumer credit profiles!


9 out of 10 consumers that DISPUTE never see a change in credit scores,YIKES!


UPON DISPUTING, Slightly more than one in 10 consumers saw a change in their credit score after the CRAs modified errors on their credit report;


Again, PROOF more that traditional DISPUTING is a FAIL waiting to happen,WHY go there?


ONLY 4 in 1000 DISPUTING are SIGNIFICANTLY

   SUCCESSFUL


Approximately one in 20 consumers had a maximum score change of more than 25 points and only one in 250 consumers had a maximum score change of more than 100 points.


SO the statement of “19 out of 20 consumers DISPUTING DID NOT have any even a slight POSITIVE credit score change .


WORSE, 249 out of 250 consumers disputing DID NOT see a SIGNIFICANT credit score change---


THAT is 99.6% or 996 out of a 1000 chance of FAILURE if DISPUTING ,particularly if using the same ole same ole traditional dispute-based strategies such as the section 609 dispute system or 623 dispute system.


NOTHING WRONG with EITHER DISPUTE SYSTEM , that is , IF there exists clear and OBVIOUS reported FALSEHOODS or INACCURACIES, but even THEN only 4 out of 1000 are significantly successful at rectifying the errors!


Not having ability to ENHANCE & ENRICH credit scores can be DEVASTATING!

JUST SOME of the NEGATIVE ATTRIBUTES of a FAILED credit report enhancement and enrichment effort ,such as from a wasted effort using ANY DISPUTE-BASED strategy can be as follows and MORE even:


High interest rates on your credit cards and loans

Credit scores indicate the likelihood that you will default on a credit card or loan obligation. Having a low credit means indicates you're a riskier borrower than someone with a better credit score. Creditors and lenders make you pay for this risk by charging you a higher

interest rate.


MORE devastating effects of FAILED DISPUTES!


Credit and loan applications may not be approved


Creditors are willing to accept a certain amount of risk. However, if your credit score is too low, they might not want to lend to you at all. With bad credit, you may find that your applications are denied.


CREDITORS WANT TO TRUST where their money is going, if you are unsuccessful in enhancement of your credit health and enrichment of your credit wealth disputing or elsewise, you appear to be to be LESS CREDITWORTHY or TRUSTWORTHY with MONEY. That is NEVER a GOOD THING if and when you want or worse NEED something that you must utilize CREDIT to acquire!


YET ANOTHER REASON to MAXIMIZE your opportunities for SUCCESS in times you are putting forth efforts to better your position credit-wise! POINT IS, do NOT blindly and randomly DISPUTE items of derogatory, your almost ALWAYS going to end up FAILING and having an INCREASE FRUSTRATION .


Stay TUNED, the M2CA will disclose what we feel is the ANSWER and RESOLUTION that is applicable for ALL CONSUMERS and even ANY AND ALL DEROGATORY ITEMS REPORTING!


FAILED DISPUTING could affect where you LIVE!


Difficulty getting approved for an apartment

Many people don't realize landlords check credit before approving a rental application. Having bad credit can make it much more difficult to rent an apartment or house. If you find a landlord who will rent to you despite your low credit score, you may have to pay a higher security deposit.


FAILED DISPUTING/BAD CREDIT can cost you more MONEY UPFRONT


Security deposits on utilities


Utility companies – electricity, phone, and cable – check your credit as part of the application process. If you have a bad credit history, you may have to pay a security deposit to establish service in your name, even if you’ve always paid your utility bills on time. The security deposit will be charged upfront before you can establish service in your name.


   BAD DISPUTES/CREDIT can cause you INABILITY to have some common BASICS!


You can't get a cell phone contract


Cell phone companies check your credit too. They argue that they’re extending a month of service to you, so they need to know how reliable your payments will be.


If your credit’s bad, you may have to get a prepaid cell phone, a month-to-month contract where phones are typically more expensive, or go without one at all.


If you're leasing or making payments on your cell phone, you may have to pay more upfront for a new phone or your payments may be higher if you have bad credit.


BAD DISPUTES/CREDIT can decide your JOB!!


You might get denied for employment


Certain jobs, especially those in upper management or the finance industry, require you to have a good credit history. You can actually be turned down for a job because of negative items on your credit report, especially high debt amounts, bankruptcy, or outstanding bills.


Note that employers check your credit report and not your credit score. They're not necessarily checking for bad credit, but for items that could affect your job performance.


Bad Disputing/Credit makes you less INSURE-able!


Higher insurance premiums


Insurance companies check credit. They argue that lower credit scores are linked to higher claims filed. Because of this, they check your credit and charge a higher premium to those with lower credit scores, regardless of the number of claims you’ve actually filed.


FAILED DISPUTING can cause you MAJOR HEADACHES


Calls from debt collectors


Bad credit itself doesn't lead to debt collection calls. However, chances are that if you have bad credit you also have some past due bills that debt collectors are pursuing.


BAD DISPUTES/CREDIT kills DREAMS!!!!!


Difficulty starting your own business


Many new businesses need banks loans to help fund their startup. A bad credit history can limit the amount you’re able to borrow to start a new business, even if you have a solid business plan and data supporting your business success.


Many lenders require borrowers to put up their home as collateral for a small business loan. But even getting a home equity line of credit requires a good credit rating.


Like landlords, many franchisers make decisions about licensing new franchises based on credit rating.


BOOM! BAD DISPUTES/CREDIT kill CAR SALES!


Difficulty purchasing a car


Banks check your credit before giving you a car loan. With bad credit, you might get denied a car loan altogether. Or, if you're approved, you'll likely have a high interest rate, which leads to a higher monthly payment, especially if you buy from a “no credit check” or a "buy here, pay here" car lot.


THIS IS WHERE the M2CA (the Metro 2 Compliance Academy) can BEST aid any business, but ESPECIALLY auto sales businesses because OUR PROPRIETARY credit enhancement of reported derogatory information and enrichment of the same is SPECIAL and UNDENIABLY POWERFUL because it is unmatched not only in its historic EFFECTIVENESS but also in its UNIQUENESS.


This is TRUE for a number of reasons,the least of which is NOT the simple fact that out proprietary methodology is NOT DISPUTE-BASED nor is it dependant upon the REALITY of the issue in its existence in real life.


OUR STRATEGY is 100% COMPLIANCE BASED and has at least as great a chance at WINNING on any item of reporting that a dispute would be successful versus because of the FACT that our approach is NOT AN ARGUMENT against the FACTS of the REALITY of the delinquency as related to TRUTH or correctness.


RATHER our strategy is FOCUSED on CHECKING for the required STATE and FEDERAL REPORTING LAWS and further attacks any missing aspects OR deficiencies that might exist in the physically verifiable aspects of MANDATORY REPORTING--to include the requisite CERTIFIED METRO 2 format compliant reporting. Our THREE-HEADED ATTACK creates near guaranteed SUCCESS!


BAD DISPUTING/CREDIT possibly linked to FAILED RELATIONSHIPS!


Potential Strain on Personal Relationships








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