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Master the Art of
Credit Disputes,
Consumer Law & Metro 2

Unlock the full power of the Dispute Champs system with our all-in-one course bundle. Gain instant access to every course from Metro 2 compliance to advanced deletion techniques, identity theft claims, and CFPB escalation methods.

🎓 Get All Courses — $39/mo → Browse All Courses
Instant access Cancel anytime 7-day guarantee 18+ yrs expertise
Dispute Champs course bundle overview
Our Full Curriculum

Expert-Led Courses to Transform Your Credit

Every course below is included in your $39/mo All-In-One subscription from day one.

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All-In-One Bundle

Get the Bundle. Get the Blueprint. Get Results.

Unlock the full power of the Dispute Champs system. Instead of purchasing one topic at a time, gain instant access to every course — Metro 2 compliance, advanced deletion techniques, identity theft claims, and CFPB escalation methods.

Credit Repair FundamentalsMetro 2 ComplianceBankruptcy Disputes Collections MasteryFCRA & FDCPA LawCredit Building CFPB EscalationIdentity Theft Claims+ More Monthly
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✓ Instant access   ✓ All future courses included
All-In-One Plan
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Introduction to Credit Bureaus and Consumer Reporting Agencies

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How to read a Credit Report

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How to Wipe Out Hard Inquiries & Protect Your Credit File!

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The Power of Personal Info: Fix, Remove & Protect Your Credit Data

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Erasing the Past: How to Dispute Missed Payments & Fix Your Payment History!

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Crushing Charge-Offs: Your Ultimate Guide to Disputing & Deleting Unpaid Debts

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Buy Membership

Fight Back Against Paid/Settled Charge-Offs: The Ultimate Guide to Clearing Your Credit Report

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The Ultimate Repossession & Foreclosure Dispute Guide: Leveraging FCRA & Metro 2 Compliance to Win!

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Buy Membership

Wipe Out Collections: The Ultimate Guide to Fighting Back & Winning

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Buy Membership

Bankruptcy Disputes Unleashed! Fight Back Against Reporting Inaccuracies

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Metro 2 Dispute Blueprint: How to Legally Force Credit Bureaus to Delete Inaccurate Accounts

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Copy of How to read a Credit Report

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Why the All-In-One Plan

Stop Paying $500+. Get Everything for $39/mo.

The math is simple — and the decision even simpler.

💡 Buying courses individually costs $500+ — the All-In-One subscription gives you all 9 courses + every tool for just $39/month. Cancel anytime.
What's Included
Individual
All-In-One $39/mo
All 9+ video courses
—
✓
Complete dispute letter library
—
✓
Built-in dispute letter editor
—
✓
CFPB escalation course
Buy separately
✓
Identity theft claim strategies
Buy separately
✓
Monthly new content — auto-included
—
✓
Completion certificates
—
✓
Total cost
$500+
$39/mo
Get All Courses — $39/mo →

✓ Cancel anytime  ·  ✓ 7-day guarantee  ·  ✓ Instant access

Questions

Everything You Need to Know Before Enrolling

How do I remove inaccurate items from my credit report?+
Start by pulling full reports from a service that shows granular data (payment history, status codes, dates). Highlight the inaccuracies, then draft disputes referencing the exact fields that violate reporting standards. Track responses and escalate to the CFPB if needed.
What is Metro 2 and why does it matter?+
Metro 2 is the credit industry’s data reporting standard. If a furnisher reports data that doesn’t conform (wrong codes, dates, or statuses), you can challenge it. We use Metro 2 formatting to pinpoint and correct inconsistencies fast.
FCRA vs FDCPA — what’s the difference?+
The FCRA governs accuracy of credit reporting (what’s on your reports). The FDCPA regulates how third‑party collectors behave. Depending on your situation, you may leverage one or both when disputing.
How do I handle identity theft or mixed files?+
Freeze reports, file an FTC Identity Theft report, and alert bureaus in writing. Remove unauthorized accounts by providing documentation and citing the FCRA. We’ll guide you through each step.
Can I delete hard inquiries?+
Legitimate inquiries typically stay for two years, but unauthorized or incorrectly reported inquiries can be challenged. We’ll help you verify and dispute non‑permissible pulls.
What about collections and charge‑offs?+
We examine date of first delinquency, balance accuracy, ownership, and coding. If reporting conflicts with Metro 2 or the FCRA, we push for correction or deletion.
How long will the dispute process take?+
Bureaus generally respond in ~30 days, but multiple rounds may be needed depending on the complexity of your file. Our mentorship keeps you moving with clear next steps each month.
Where do your Quick Questions and Mentorship calls fit in?+
Quick Questions (15 min) = fast clarity on targeted issues. 45‑Minute Mentorship = strategy, letter review, and action plan. Monthly Mentorship = accountability and consistent progress.
🔓 Your Financial Freedom Starts Here

Ready to Fix Your Credit Once and For All?

Get the blueprint. Get the bundle. Get results. Join thousands of students already using Dispute Champs Academy to take back control of their credit — for just $39/month.

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🎓 Get All Courses — $39/mo → Browse Courses First
Cancel anytime Instant access No contracts All future courses included

Access Every Course Below + More Inside!

Unlock the full power of the Dispute Champs system with our all-in-one course bundle. Instead of purchasing one topic at a time, you’ll gain instant access to every course—from Metro 2 compliance to advanced deletion techniques, identity theft claims, and CFPB escalation methods. This bundle is built to save you time, money, and confusion. Learn how to fix credit the right way, faster than ever before. Get the bundle, get the blueprint, and get results.

$39.99 Monthly Subscription

Enroll Now!
The First Step Is To Enroll
No Courses Found!

Introduction to Credit Bureaus and Consumer Reporting Agencies

See More

How to read a Credit Report

See More
Buy Membership

How to Wipe Out Hard Inquiries & Protect Your Credit File!

See More
Buy Membership

The Power of Personal Info: Fix, Remove & Protect Your Credit Data

See More
Buy Membership

Erasing the Past: How to Dispute Missed Payments & Fix Your Payment History!

See More
Buy Membership

Crushing Charge-Offs: Your Ultimate Guide to Disputing & Deleting Unpaid Debts

See More
Buy Membership

Fight Back Against Paid/Settled Charge-Offs: The Ultimate Guide to Clearing Your Credit Report

See More
Buy Membership

The Ultimate Repossession & Foreclosure Dispute Guide: Leveraging FCRA & Metro 2 Compliance to Win!

See More
Buy Membership

Wipe Out Collections: The Ultimate Guide to Fighting Back & Winning

See More
Buy Membership

Bankruptcy Disputes Unleashed! Fight Back Against Reporting Inaccuracies

See More
Buy Membership

Metro 2 Dispute Blueprint: How to Legally Force Credit Bureaus to Delete Inaccurate Accounts

See More

Copy of How to read a Credit Report

See More
Explore All Courses
The Second Step Is To Pull Your Credit Reports
FAQ • Dispute Champs

Frequently Asked Questions

At Dispute Champs, we know that navigating credit repair, Metro 2 compliance, and consumer laws can feel overwhelming. That’s why we’ve compiled a list of the most frequently asked questions to help you get the clarity you need.

Whether you're wondering how to remove inaccurate items from your credit report, the legal power behind the FCRA and FDCPA, or how to effectively challenge credit bureaus, our FAQ section provides expert answers and actionable solutions.

How do I remove inaccurate items from my credit report?
Start by pulling full reports from a service that shows granular data (payment history, status codes, dates). Highlight the inaccuracies, then draft disputes referencing the exact fields that violate reporting standards. Track responses and escalate to the CFPB if needed.
What is Metro 2 and why does it matter?
Metro 2 is the credit industry’s data reporting standard. If a furnisher reports data that doesn’t conform (wrong codes, dates, or statuses), you can challenge it. We use Metro 2 formatting to pinpoint and correct inconsistencies fast.
FCRA vs FDCPA — what’s the difference?
The FCRA governs accuracy of credit reporting (what’s on your reports). The FDCPA regulates how third‑party collectors behave. Depending on your situation, you may leverage one or both when disputing.
How do I handle identity theft or mixed files?
Freeze reports, file an FTC Identity Theft report, and alert bureaus in writing. Remove unauthorized accounts by providing documentation and citing the FCRA. We’ll guide you through each step.
Can I delete hard inquiries?
Legitimate inquiries typically stay for two years, but unauthorized or incorrectly reported inquiries can be challenged. We’ll help you verify and dispute non‑permissible pulls.
What about collections and charge‑offs?
We examine date of first delinquency, balance accuracy, ownership, and coding. If reporting conflicts with Metro 2 or the FCRA, we push for correction or deletion.
Do bankruptcies, late payments, or public records ever come off?
Yes—when inaccurate, incomplete, unverifiable, or reported beyond allowed timelines. We target specific fields and require proper verification.
How long will the dispute process take?
Bureaus generally respond in ~30 days, but multiple rounds may be needed depending on the complexity of your file. Our mentorship keeps you moving with clear next steps each month.
Where do your Quick Questions and Mentorship calls fit in?
Quick Questions (15 min) = fast clarity on targeted issues. 45‑Minute Mentorship = strategy, letter review, and action plan. Monthly Mentorship = accountability and consistent progress.
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