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					                                                                                 One-Two Punch Tactic an


DAY                September
                    1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28
# to Bureaus        > > > > > > > > > > > > > > > > > > > > > > > > > > > >
# to Collectors     > > > > > > > > > > > > > > > > > > > > > > > > > > > >
              date > 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27
                   | |        | |
                   Send Initial 'punch' letters Certified Mail, return reciept requested
                      Sign-Up for three (3) report monitoring and access (TrueCredit from TransUnion)
                              Green card returned - details
                                  Validation returned - details (chances are if they did attempt to validate, records aren't compl




   PREMISE of the 1-2 PUNCH!
   The 1-2 punch is sending a DV (debt 'validation') letter to the collector and disputing the item(s) with a 'verification' letter
   bureau(s). The idea behind the 1-2 punch is to create a situation where the collector can't respond to the bureau's request
   breaking the law and hopefully, making it so the bureau simply has to delete the tradeline.

   Action:
             1. Punch > collector with demand for 'validation'.
             2. Punch > bureau with demand for 'verification'.

   Behind the Action:
   The bureau is required (by FCRA) to ask the collector to respond with 'verification' of debt, which; the collector can't do ye
   their own (FDCPA) requirement to get 'validation' from OC and send it to you first.

   IF: The bureau can't 'verify' the debt with the collector within 30/45 days, THEN; they delete.
   IF: The collector violates the law by responding to the bureau 'before' they respond to you with the results of thier 'validat
   (collection activity), THEN; you can claim a $1000 offset against them.
nch Tactic and Timeline
                                                   Based on one-two punch developed by Methuss in the forums of creditinfocenter.com
                                                   Some have used docs.google.com to develop their form letters
                                                   A template letter has been included to represent both 'punches',

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                                                                                              form letter

te, records aren't complete - Violation 1, keep following up




   a 'verification' letter to the credit
 to the bureau's request without




the collector can't do yet because of



e results of thier 'validation'

				
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