I recently did a interview with Troy and another with Daniel & Keenan, on how the credit bureaus responds directly to my business. This goes to show I confirm what is needed for the credit bureaus to process 3rd party (credit repair) disputes.

With this being said, I discovered Equifax and Experian has slowed down with their dispute responses. Today, I decided to call Equifax and Experian, which resulted in a very polite 10-15 minute phone call about the credit repair industry.

Both agents with the two bureaus have CONFIRMED, they do not process disputes with only the last 4 of the consumer's SSN. The full SSN must be on the dispute, or Equifax will reject the dispute and Experian will reply with a "stall letter".

We need the change the outdated requirement from the last 4 of their SSN to now requesting their full SSN and also changing this on dispute letters, to print their full SSN. Although a limited power of attorney will "help" overide this, providing their FULL SSN will easily eliminate many of the stall letters. Transunion is still working with us with no issues on using the last 4 of SSN, but the other two bureaus have fully confirmed they 100% require it and the second they see only the last 4 of SSN- they reject the dispute.

CRC may advise "collect their SSN card after enrollment". As a experienced CRO, who been through thousands of clients- I would not recommend this.

-It's too many documents for the client to upload

-Too many people do not have their SSN card on hand or know where it's at

-It would slow up the onboarding process, by waiting on clients to finish enrolling when they get home to "find" their SSN card.

We need their full SSN typed in during the enrollment to make things quick and simple!