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This scripted phone template is a step-by-step legal dialogue designed to help you challenge and delete late payment entries directly with the data furnisher—on record, by phone—using clear violations of the Fair Credit Reporting Act (FCRA) and Truth in Lending Act (TILA).
Built on actual case law and statutory enforcement, this script walks the consumer through:
Citing 15 U.S.C. § 1681a(2)(A)(i) to exclude transaction data from reports
Enforcing 15 U.S.C. § 1666b requiring 21-day billing notice before late reporting
Demanding the tracking number and compliance with § 1637(b) disclosure requirements
Requesting removal of the late entry if the law was violated
Preparing to escalate to a supervisor and notify of potential legal action
Whether you’re dealing with Bank of America, Capital One, or any other creditor, this script forces their hand on record and sets the stage for federal enforcement.
Use this to initiate lawful deletion, establish your record for administrative process, and back your mailed dispute with verbal enforcement.
This is not small talk. This is commercial law in action—delivered with clarity and authority.
This scripted phone template is a step-by-step legal dialogue designed to help you challenge and delete late payment entries directly with the data furnisher—on record, by phone—using clear violations of the Fair Credit Reporting Act (FCRA) and Truth in Lending Act (TILA).
Built on actual case law and statutory enforcement, this script walks the consumer through:
Citing 15 U.S.C. § 1681a(2)(A)(i) to exclude transaction data from reports
Enforcing 15 U.S.C. § 1666b requiring 21-day billing notice before late reporting
Demanding the tracking number and compliance with § 1637(b) disclosure requirements
Requesting removal of the late entry if the law was violated
Preparing to escalate to a supervisor and notify of potential legal action
Whether you’re dealing with Bank of America, Capital One, or any other creditor, this script forces their hand on record and sets the stage for federal enforcement.
Use this to initiate lawful deletion, establish your record for administrative process, and back your mailed dispute with verbal enforcement.
This is not small talk. This is commercial law in action—delivered with clarity and authority.