Junkies Outsourcing

SUBMITTING CLIENTS FOR OUTSOURCING

How Do I Submit A Client For Outsourcing?

Please watch a video in your system training here: https://academy.creditrepairjunkies.com/

Look for the Outsourcing Walkthrough video.

*PLEASE NOTE* If you submit a client accidentally for processing, or no longer need to process a client, please email us at Support@creditrepairjunkies.com and our team will be able to assist. Removing the tag, changing the clients status, or moving the client out of the submit to outsourcing stage will not remove them from our processing list.

What do I need to submit a client for outsourcing?

Please ensure the following is added into your clients profile before submitting them for outsourcing:

Client Demographics are filled in (this includes full name, address, date of birth, and last 4 digits of social security number)
Client has uploaded legible ID documents (this includes a drivers license and proof of address)
Client has submitted their Credit Monitoring Service login details (I.E. SmartCredit, Identity IQ, MyScoreIQ)

Can I send certified mail?

Yes! You can send certified mail on your clients behalf.

To do this, you will need to purchase a Certified Credit. You can do this under your "Purchase Credits" tab of your system.

Certified Credits cost $20 per certified credit.

PLEASE NOTE: You CANNOT use regular credits in replacement of Certified Credits. You will need to purchase Certified Credits to send certified mail.

Can I send furnisher dispute letters for my clients?

Yes! You can!

Furnisher letters cost half a credit (0.5) per furnisher or for all furnishers.

For example, if John Doe had one dispute sent to a furnisher, it would cost 0.5 of a credit. And if Jane Doe sent furnisher letters to 10 accounts on her report, it would cost 0.5 of a credit as well.

Each round would be another half (0.5) credit.

Are inquiries disputed for my clients?

Our processing team does NOT automatically dispute inquiries for your clients. The reason for this is so there is no miscommunication when disputing inquiries that are linked to open accounts for your clients.

If you, or your client, would like inquiries disputed, please ensure you leave a note for our team before submitting your client for outsourcing. In the note, please list the inquiry name and date. This way our team disputes the inquiries that are we requested.

Are my clients personal information disputed?

Our team will automatically dispute previous address information on your clients reports.

If you, or your client, would like to have further personal information dispute (I.e. Name, Employer, etc.), please list this in the notes of your clients profile before submitting to outsourcing.

UNDERSTANDING YOUR CREDITS

How do credits work?

1 credit will cover 1 round of disputes for a client. This includes ALL negative items to Equifax, Experian, and TransUnion.

For example, if John Doe needs his first round of disputes sent this month, you will use 1 credit. Next month, when the client needs to be processed again, you will use another credit.

The more credits that you purchase in bulk in a given time, the cheaper it will be per credits.

5, 10, 20 credits = $25 per credit ($125, $250, $500)

50 credits = $20 per credit ($1,000)

100 credits = $17 per credit ($1,700)

250 credits = $15 per credit ($3,750)

You also have the option to send furnisher dispute letters for your clients. Furnisher letters cost half a credit (0.5) per furnisher or for all furnishers. For example, if John Doe had one dispute sent to a furnisher, it would cost 0.5 of a credit. And if Jane Doe sent furnisher letters to 10 accounts on her report, it would cost 0.5 of a credit as well. Each round would be another half (0.5) credit.

After each subscription payment, your account will be rewarded your first 5 clients of each month to be processed for free, at no charge of credits. These would be considered Free Credits. Please note that these credits from your subscription do NOT roll-over each month.

How many credits do I have?

To access how many credits you have available, you can visit your Credit Tracker tab inside of your system to see how many credits you have available.

Starting at 10:20, you can watch the outsourcing walkthrough video to learn how your Credit Tracker works:

https://creditrepairjunkies.com/outsourcing-walkthrough-how-to

Are there refunds for Credits?

Yes, there are!

For a client to qualify for a refund of credits, our team would need to dispute the first 3 rounds for a client. If this client has received no deletions within their first 3 rounds of disputes, the client will qualify for the refund of credits.

You can email our team at Support@creditrepairjunkies.com to submit your clients account to be reviewed to confirm they qualify for a refund of credits.

Only the first three (3) rounds of credits per client will qualify for a refund of credits.

If we process a refund of credits for a client, that client will not qualify for a refund of credits again.

For example, If John Doe completes his first three rounds of disputes with your company, and has received 0 deletions, our team will go ahead and refund the credits back into your credit tracker. If John Doe continues with the program, any additional credits used will not qualify for a refund.

UNDERSTANDING THE PROCESSING FLOW

How are my clients accounts disputed? (You can use this when speaking with a client).

Round 1 (Verification Round): Here we are disputing an initial investigation with the three credit bureaus on your clients account. We want to ensure the account belongs to the client and that they are reporting accurately on their credit reports.

Round 2 (Reinvestigation Round): Here we are demanding a reinvestigation of the accounts that were verified by the credit bureaus. Now that the bureaus have "verified" the items, they have made a claim that the items are accurate and belong to the client. Therefore, the burden of proof is now on them to prove it.

Round 3 (Method of Verification): Any accounts that were not removed have been verified not only once, but twice now. So, we will send a Round 3 dispute letter requesting the method of verification that the bureaus used to verify those accounts. Since they're claiming these accounts are verifiable, we want to know how they were able to verify them and what procedures they used to obtain the verification of the items.

Round 4 (Aggressive Bureau Letters): By now, the client may have received canned letters from the credit bureaus stating their method of verification was by contacting the furnisher of the information and they verified the information is accurate. Please note, it is also possible for the client to receive no response back from the bureaus either. In Round 4, we send a harsh, escalated dispute letter to the credit bureaus threatening to file a complaint against them with their regulators if they don't provide any PROOF that the items are accurately reported on the credit reports.

Round 5 (Demand Deletion to the Bureaus): In Round 5 we will be demanding and threatening that the items be removed from the credit report or we will file a complaint against them with the BBB, FTC, CFPB, attorney general and anyone else we can think of. This strategy works really well because the bureaus and data furnishers don’t want to have a complaint filed against them. So, a lot of times they choose to just remove the items so that a complaint isn’t filed against them.

Round 6 (File a complaint, and Rinse and Repeat, or Remove the "in dispute" Notion of the Items from the Credit Report): By now the item should have either been removed or properly verified/validated. If the item was not properly verified/validated, it is recommended to either file a CFPB complaint against the Bureaus and Data Furnishers or we repeat our process starting from Round 2 again. If the item was properly verified/validated, it is best to send a final letter to the Credit Bureaus letting them know that the client is no longer disputing that item and requesting that they remove any “in dispute” comments or notations from the item on the credit report.

Who completes the round updates?

After 35 days of being in dispute, our processing team will login to your clients credit monitoring account and identify the results. Our team will update your clients profile with the new scores, deletions, repaired items, and any new negative items added to your clients account.

Once the update is completed, our team will update your clients processing stage to "File Updated" which will then send your client a progress report of their results via email and text via automation.

PLEASE NOTE: After completing the updates, our team will NOT automatically process your clients next round of disputes. You will need to re-tag your client "Ready For Processing" to have their next round of letters sent.

As well, our team does NOT contact your client or respond to any emails or text messages, unless your company is part of our customer service team.

Do you automatically send furnisher letters?

Our team does NOT automatically process furnisher letters for your clients.

We ask that you leave a note in the clients profile and specify which furnisher accounts to dispute for your clients.

PLEASE NOTE: Furnisher Dispute Letters cost half a credit (0.5) for either one furnisher letter or all furnisher letters.

Processing Flow

Once you submit your client for processing, our team will be notified. Your client will be processed within a 1-2 business day period.

Once your client is processed, our team will update your clients stage to the round number they are in. This will send an automated email and text to your client, letting them know they are currently in dispute. The automation will notify your client every 10 days that they are in dispute (This goes out on day 10, day 20, and day 30).

On day 30, the client will be notified that their accounts will be updated in 5 days. On day 35, our team will refresh your clients credit monitoring service, update the new scores, record any deletions and new negative items, and place this information into your clients profile.

Your client will then be notified that their updates are completed and to schedule a call with your company (or call in).

Once you have spoken to your client and shared with them their updates, please be sure to re-submit your client for outsourcing when they are ready for their next round. Our team DOES NOT automatically process your clients.

Here is the flow of stages inside of your CLIENTS pipeline:

Submit To Outsourcing: Clients are added her after tagging them "Ready For Processing" or moving them manually to this stage. This will notify our team.

Round # (In Dispute): The Processing Team will move the client to their dispute round accordingly.
Update File: Clients are added to this stage via automation after 35 days. This will notify our team to have the clients updates completed.

Round Updated: The Processing Team will move clients to this stage after their reports have been updated, and results have been recorded.

PLEASE NOTE: Any time our team faces an issue with processing your client, they will be added into the "Issue Processing stage, and you and your client will receive an email with the issue our team is facing. One the issue has been fixed, please resubmit your client for outsourcing by tagging your client "Ready For Processing" or moving your client into the "Submit To Outsourcing" stage of your CLIENTS pipeline.

What does Issue Processing mean?

Issue processings means that when our team went to either process your clients dispute letters or went to complete their monthly updates, we faced an issues with moving forward. You should have received an email with the issue our team was facing. (Ex. Missing ID documents, invalid credit monitoring login, etc.)

PLEASE NOTE: Once the issue has been resolved, please be sure to re-tag your client "Ready For Processing." LEAVING A NOTE WILL NOT NOTIFY OUR TEAM.

If you have questions regarding your clients issues, please do not hesitate to reach us at Support@creditrepairjunkies.com

CLIENT CONCERNS

My client is not receiving any correspondences in the mail?

Since 2020, the bureaus have had a lack of responses regarding their verification process of clients accounts. This is why it is important that the client continues to keep their credit monitoring accounts active. This way, yourself and our team can receive the clients updates each month.

OUTSOURCING INFORMATION

I want to continue using the automations but do not want to outsource my clients. How do I do this?

If you no longer want to outsource your clients, all you will need to do is NOT tag your client "Ready For Processing," or move them into the "Submit To Outsourcing" stage of your CLIENTS pipeline.

Our team will ONLY process clients when you tell us to.

Do you dispute bankruptcies?

Yes! Our team includes all negative items in your clients disputes to the credit bureaus. This includes Bankruptcies!

As well, you can request a furnisher letter to be sent to the courthouse, IF the courthouse is reporting as the creditor of the bankrukpcty account.