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Difference Between Traditional DISPUTING And M2CA’s Tactic Of CHECKING FOR CERTIFIED COMPLIANCE OF REPORTING And CHALLENGING Missing Or Deficient Aspects Of Reporting(S)?
In short, to DISPUTE is literally an ARGUMENT AGAINST the TRUTH and VALIDITY OF A CLAIM IN ITS REALITY
Where as:
M2CA does NOT concern itself with a claim’s REALITY but only it’s REPORTING(s) and PROCESSES of reporting. We do NOT argue that an item is or is not true or correct or valid or anything of the sort, we instead simply REQUEST if the WAY REPORTED and the PROCESS OF REPORTING was and IS COMPLIANT to state and federal standards and laws. And if there is any insufficiencies or inabilities or unwillingness’s to demonstrate the factual certified compliant reporting REGARDLESS OF TRUTH ANND VALIDITY of claim(s) we leverage the Metro 2 Five Points of Compliance as well as the MANDATORILY PERFECT and COMPLETE certification of the METRO 2 FORMAT REPORTING.
Even TRUE, VALID claims can be FAULTY in its PROCESS OF REPORTING and as such is DERELICT IN ITS REPORTING. In that tone, just because a debt in reality fails to be report-able does NOT equate to it as wellbeing uncollect-able. Fact is, the requisites for REPORTING an injurious claim versus a consumer is far much stricter than that of simply collecting. Literally, to lawfully collect a claim debt on needs be TRUE and VALID (NOT NECESSARILY VERIFIABLE ßthat is a REPORTING criterion), where as to lawfully report there MUST BE undoubted evidence of document CERTIFIABLE COMPLIANCE of reporting for claims factually TRUE, CORRECT, COMPLETE, PHYSICALLY VERIFIABLE , VALID and PERFECT in its mandatory METRO 2 FORMAT REPORTING(s). Any claim DEFICIENT of requisites is lawfully UNFIT to report!
THAT IS OUR ANGLE and the KEY NOTE difference between DISPUTING (reality) and M2C Method CHECKS & CHALLENGES (reporting-based) .
How Is The M2C METHOD “Different” Than Competition?
That is easy, simply read answer to #1 above, lol. Seriously, the PRIMARY DIFFERENCE is that in order to argue the COMPLIANCE-aspects the claim had to FIRST SURVIVE the requisites of VALIDITY AND TRUTH OF CLAIM (the DISPUTING necessities). Point is, the M2C Method of Compliance-based CHECKS and CHALLENGES goes FURTHER than a DISPUTE of ANY SHORT WOULD because the fact is an item that fails measures of disputing would never survive a M2CA standard, but an item not necessarily COMPLIANTLY REPORTED can in fact be both TRUE and VALID and if so it SURVIVES traditional DISPUTING methodologies! That is to say that NATURALLY the M2C Method CHECKS & CHALLENGES already have a BUILT-IN ‘DISPUTING’ matrix it survived!
Difference Between FICO And FAKO?
Literally ANYTHING OTHER THAN A FICO is a FAKO score, regardless where it is derived! Essentially NON-FICO scores are just EDUCATIONAL in nature and purpose whereas typically lenders use one of the many FICO scores.
What Is VANTAGESCORE 3?
For one it is a FAKO simply because it is NOT a FICO score. VS3 is a scoring model adopted/created by the actual credit mafia themselves (the main three CRAs that is). In general MOST available scoring models out there on credit monitoring sites such as credit karma and others use or use a form of VS3, thereby actually making the VS3 the most widely utilized credit report scoring model in use, SHOCKING, huh?
Do LATE PAYMENTS Matter?
Well YEAH, no doubt because a LATE PAYMENT is typically the FIRST WARNING SIGN OF POTENTIAL DEFAULT and as such creditors significantly track your payment behaviors and are keenly aware of your deficient actions that INJURES THEM as creditors.
Over TIME, late payments same as any other ailment lessens in harm or negativity. A set of FIVE LATES 3 years ago LIKELY weighs LESS SCORE-wise than does a SINGLE LATE LAST MONTH, surely less than a 60 or 90 late. In fact a 90 late is considered a MAJOR DELINQUICIENCY and differentiates itself from being only a delinquency to a full fledge DEROGATORINESS circumstance!
In fact, the PURPOSE of a CREDIT SCORE is to measure the LIKELIHOOD THAT a consumer WILL DEFUALT BY AT LEAST 90 days at least once in next 24 months, THAT IS IT! It is a PREDICIVE TOOL same as the tools a weatherman uses to predict rain a week out, lol!
EFFECT OF LATES OVER TIME?
I doubt there is any FACTUAL studies on this but from MY EXPERIENCES any negative event has zero or near zero scoring effect at the 4 year mark (48 months). The INITIAL MAJOR NEGATIVITY is in near full effect the whole of the FIRST YEAR however, with MINOR differences in scoring of a 9 month charge off and a 2 month one, BOTH ARE HORRID score-wise!
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