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The Letter Process

In order for American Credit Solutions to challenge the credit bureaus to remove inaccurate information from your credit report, our course of action is to start by sending them three rounds of letters. Secondly, if we do not receive a response after the third letter, we will proceed forward with a fourth letter advising of our intention to pursue litigation if the items are not promptly deleted. Lastly, we will point out in this letter that we have in our possession all three certified mail receipts, and in spite of three written requests the inaccurate items that were challenged still remain on the credit report. In the event that you choose to take the matter to court, we have the certified proof we sent the letters and they were received by Experian, Equifax and Transunion.

What happens if they don’t take off the Dispute?

If you choose to go forward you can go to Small Claims or Federal Court and seek damages.

Four types of damages you can be awarded

If you win a lawsuit, you may be entitled to a sum of money, known in the legal world as “damages.” Damages, in many cases, come in two major categories: punitive and compensatory damages. Punitive damages seek to punish the person for their wrongdoing. In contrast, Compensatory damages are intended simply to pay the person who was injured.

  1. Actual damages or Compensatory
  2. Statutory (if willful) you ask to delete but they didn’t
  3. Punitive (if willful) punish for their actions
  4. Attorney fees/cost you win they pay court cost

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