Our Quantum Matrix Dispute Technology™ will revolutionize the consumer credit reporting industry!
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Let’s face it. Consumers have suffered for many years. They have been denied access to the credit they need or have paid thousands more in interest fees than they should have. Why? Because of errors on their credit reports. A credit report is a consumer’s financial reputation on paper. Nothing is more important than having your reputation reflected accurately, and fairly. We at Consumer Information Accountability Advocates (CIAA), are ultimately consumer focused. We believe every consumer has the right to a fair and accurate credit report, regardless of their credit standing.
No more audits on credit monitoring reports. Our software was designed to read and fully audit bureau direct credit reports.
No more “609” fluff, or piece disputes. Our Quantum Matrix Dispute Technology™ lays out every factual error, omission, and inconsistency in the same dispute. It’s like giving a student the answer sheet with the test.
If the student fails the test, even after we have given them all the answers, we hold them accountable! Our disputes are attorney approved and will hold up in court. If the bureaus and furnishers refuse to correct or delete the errors, our attorney network will sue or arbitrate.
Albert Einstein
Automations to audit credit reports is nothing new, the only problem is there is no software that has the capability to audit a credit report directly from the source of the data, the credit bureaus. The only credit report that any other software on the market can audit are credit monitoring reports, such as Credit Karma, Credit Sesame, or IdentityIQ. The problem with credit monitoring reports
1.) Disputes based on credit monitoring reports do not stand in court.
2.) It is impossible to do an accurate and complete audit because they do not pull all of the data, and do not provide all of the Metro2 fields necessary to do an audit.
There is no shortage of software that audits credit monitoring reports, and new ones are introduced all the time promising unbelievable results, only to arrive at the same conclusion. CIAA wants to “stop the insanity” and provide something that will actually produce results, whether it’s through deletions, arbitrations, or in the courtroom. We will provide all the tools necessary to achieve maximum results. With these tools, there is no need for “dispute hacks”, 609 letters, or other tactics. This propelled us to create our Quantum Matrix Dispute Technology™.
As 25+ year credit service professionals, our founders noticed a sharp decline in the accuracy of credit reports, and response rate of the disputes they were sending. Speaking with other professionals in the industry, they noted similar reports nationwide. It was also noticed the type of response to disputes (if you were lucky enough to get one) were basic form letter responses with no real answer to the dispute. They both knew something had to be done, or the trend would continue. Applying themselves to learn new techniques, they studied the Pre-Litigation method. This is where our two founders met. After gaining a full grasp of Metro2 to learn a more thorough audit, and using this to compose Pre-Litigation dispute letters they began adding this method as their standard practice. They were shocked as they began auditing consumer credit reports to find anywhere between 10-20 Metro2 errors per trade account (even on positively reported trade accounts). They began composing the Pre-Litigation dispute letters listing every error they found the response rate, or quality of response to be nearly the same, except about 2-3 dispute responses that led to minor corrections. When auditing the updated credit reports, they had seen little changed. After realizing even the best prepared factual disputes were being treated like “609” disputes, a way was needed to take the next step in holding the bureaus and furnishers accountable. This is where the concept for CIAA and Quantum Matrix Dispute Technology™ was born.
We need talent in all fields! Are you good at making videos? Programming? Marketing? Training others? This isn’t a complete list, but if you have talents and want to contribute, we could certainly use those skills! Want to help the financial lives of millions of consumers, including yourself? Join the cause and bring whatever skills you have to the table!
From Onboarding, Dispute Process, to Final Legal Preparation, We will provide all the tools, training, support to help you achieve impressive results, and scale your business!
We truly believe our efforts will dramatically help the lives of millions of consumers by bringing accountability back to the credit industry by setting precedents, through litigation and arbitration, and through an accurate and ethical dispute dispute methods that will hold the credit bureaus and data furnishers accountable for reporting credit information fairly and accurately, positive or negative. A person’s reputation determines the level of trust others place in them. We believe consumers have the right to have their financial and credit reputation reported accurately.
