The buyer who 'already did credit repair'

"I already did credit repair for a year" means the file has been carpet-bombed. Assume it until the reports say otherwise.

The tell takes thirty seconds. Pull all three PDFs and look for these:

1. Every negative item shows "consumer disputes this item" or "reinvestigation complete" with nothing changed.
2. Identical dispute dates across unrelated accounts.
3. Nothing deleted, everything verified.

That's a monthly service sending the same template to every bureau for every item, twelve times. Section 1681i lets a bureau call a repeat dispute with no new information frivolous, and after the third round they do. The file isn't just unfixed. It's now inoculated against the next letter.

What to do with it:

1. Tell the buyer to cancel the service today. Every additional round makes the next one harder.
2. Have them pull NCTUE, LexisNexis and Innovis; the monthly shops never touch those.
3. The path back is new information: the creditor's own paid letter, the servicer's transfer letter, the identity theft report. A dispute that carries a document the bureau hasn't seen is not a repeat. Calvin's six lines in June; that's the letter.
4. For anything verified twice, go around the bureau: the Regulation V direct dispute to the furnisher, which the monthly service never sent because it takes reading.

Don't order a rescore on a carpet-bombed file. Nothing on it is documented yet.

Give them ninety days, not sixty. Send them here for the letters. The service they paid $1,188 to made the file harder; the fix is one round done properly.