If you don’t already know, each credit bureau has a “vip department” where the issues and disputes relating to “important” people get taken care of.

The most obvious way to become a VIP is to be someone who can do some damage to the credit bureau: an attorney, a politician, a high profile business person or celebrity. There may be other ways to have your disputes handled by the VIP department, though.

One forum member, for example, reported that their disputes were being handled by the “priority” department because they had an attorney contact the bureau on their behalf. Will this work for all of us? Probably not all the time, no, but we may have other options.

Are you a VIP? If so how did you get there?  Seriously, if you’re reading this and you care to share the details with the world, please feel free.

As for our part, we will keep working and researching to see what may come of this potentially powerful angle to credit repair.  Stay tuned, and I’ll try to keep you updated as we learn more about how to become a VIP.

~brian

Here is the basic idea: instead of attacking your negative items head-on, find indirect ways of affecting your credit profile that will yield the same results.

The best example of this is disputing name and address variations.  Many consumers and professionals have found that by simply disputing old/outdated addresses and other similar personal information FIRST, some negative accounts just “fall off” their report automatically.  The reason this works deals with how credit reports are generated and how credit is reported by creditors… but regardless of the nitty gritty details, it does work.

Most professionals agree that the very first thing you should do when cleaning up your credit is get rid of all your incorrect and outdated addresses and personal information (name misspellings,etc).  This type of information is the easiest to dispute, meets the least resistence from the bureaus, and often results in more “difficult” items falling off without them ever even being disputed directly.

There are several more “indirect action” methods, as I’m calling them now, that when combined create a whole arsenal of under-the-radar tools for consumers and credit repair professionals that are both effective and low-impact.

~brian