Author: Steve Reger

Direct to Creditor Disputes Are Better

Eliminating credit bureau disputes by empowering consumers & credit restoration to directly engage creditors – all through the power of SmartCredit’s patented Action Buttons. – SmartCredit Mission Statement Consumers have been trained for decades to review their credit reports for accuracy.  Then when a mistake is found, to lodge a dispute with the credit bureaus…

Identity Theft In The Making – Stories From A Credit Bureau Insider, Part III

Now back to my story.  John Consumer had called TransUnion and determined there were a number of accounts showing on his credit file which were not his.  TransUnion in response contacted the respective banks who responded by saying their records matched John’s name, date of birth and social security number.  Further, when asked each of…

Identity Theft In The Making – Stories From A Credit Bureau Insider, Part II

Early on and long before credit repair as we know it now, when someone said an account was not theirs you could just about take their word for it.  Sure on occasion a consumer would not recognize the name of an account on their credit file, and later, after explanation, they’d respond, “Oh, that must…

Identity Theft In The Making – Stories From A Credit Bureau Insider

Hello.  My name is Steve Reger and I spent 26 years working for one of the three major credit bureau, TransUnion.  During my lengthy tenure as their Direct of Consumer Services I experienced most everything credit related.  I oversaw a busy contact center in Southern California which at various times received more than 10,000 consumer…