Consumer Law · Self-Directed · Rinse & Repeat
A step-by-step course that puts the pen in your hand. Pull your reports, find the inaccuracies, write disputes anchored in the 13 core federal chapters of consumer law, mail them USPS Priority, and file with the CFPB — over and over until your file tells the truth.
The Loop
Grab your consumer profile from all five sources.
Highlight every inaccuracy line by line.
Write your dispute using the 13 chapters.
Letters + 2 IDs inside a Priority Mail envelope.
USPS Priority — get receipt, ETA, tracking.
Submit your CFPB complaint. Rinse. Repeat.
Report Sources
Deepest tri-bureau detail. Best starting pull.
Clean layout for spotting reporting errors.
Free look at TransUnion activity.
Straight from the source, all three bureaus.
Your federally guaranteed free report.
The Legal Spine
Every dispute you write in this course is anchored to statute. Learn them once, cite them forever.
Curriculum
Log into IdentityIQ, Kickoff, Credit Sesame, MyFICO, and AnnualCreditReport.com. Download every report as a PDF. We show you exactly where to click, what to save, and how to organize the file names so nothing goes missing.
Line-by-line audit. We hand you the checklist: wrong balances, wrong dates, duplicate tradelines, re-aged debts, unverified collections, mixed files. Write each one down on the dispute worksheet.
Use the 13 federal chapters of consumer law as your legal spine. Each inaccuracy gets cited to the exact statute. Templates included, but you learn to write it yourself so you can rinse and repeat forever.
Dispute letters + two forms of ID inside a USPS Priority Mail envelope. Non-negotiable. We show you the fold, the order, the copies to keep for your records.
Walk into USPS. Ship Priority Mail — nothing else. Get the receipt, the expected delivery date, and the tracking number. Log all three in your dispute tracker before you leave the counter.
Create your Consumer Financial Protection Bureau portal. Select debt collection. Cite the inaccuracies and lack of validity. We give you the exact language, field by field, so your electronic complaint lands with weight.
30-day cadence. Track responses, escalate what's ignored, re-dispute what comes back verified without proof. This is a system, not a one-time favor.
Non-Negotiable
Regular first-class doesn't cut it. Priority Mail gives you the paper trail the bureaus and collectors respect — and the tracking you'll need if this ever escalates.
Federal Escalation
Enroll
Lifetime access. Templates, worksheets, dispute tracker, and the 13-chapter reference — all inside.