Personal information error
Common indicators
- Wrong or obsolete address
- Incorrect name variation
- Wrong employer
Typical path: CRA correction/dispute focused on the exact personal-information field.
GAD Consulting Services LLC
Credit repair & credit education
Repair credit with facts, evidence, and a real plan
GAD reviews credit reports for supported inaccuracies, organizes the evidence behind each issue, helps prepare the correct next step, tracks responses, and builds a practical credit-improvement plan. We do not promise to erase accurate negative information.
What GAD looks for
Wrong identity or ownership
Incorrect account status
Incorrect dates
Wrong balance or credit limit
Duplicate or mixed reporting
Identity-theft indicators
A negative item is not automatically an error. GAD first identifies the exact fact that appears inaccurate, incomplete, duplicated, obsolete, fraudulent, or otherwise unsupported.
What is included
A complete credit-report review workflow
Each case is organized around the client's actual reports and evidence instead of generic dispute-letter volume.
Three-bureau credit report review
Tradeline-by-tradeline issue inventory
Bureau-to-bureau comparison
Identity and mixed-file error review
Status, balance, limit, date, ownership, and duplicate-account review
Evidence checklist for each potential dispute
Dispute preparation and document organization
Response and deadline tracking
Before-and-after report comparison
Credit education and rebuilding action plan
GAD method
Audit first. Dispute only when the facts support it.
The goal is to identify the right path for each item—not to send the same letter for every account.
01
Normalize each tradeline by creditor/furnisher, masked account identifier, account type, responsibility, status, balance, limit/high balance, dates, payment history, remarks, and bureau.
02
Enumerate every hard inquiry and public-record item separately.
03
Compare the same account across all available bureaus.
04
Calculate revolving utilization from reported limits and balances and flag missing/incorrect limits when supported by report data.
Issue playbooks
Different credit problems require different paths
GAD separates credit-reporting errors, collection matters, identity theft, and accurate negative information instead of treating them as the same problem.
Mixed-file or account ownership error
Common indicators
- Account belongs to another consumer
- Similar-name consumer mixed into report
- Account ownership or responsibility is wrong
Typical path: CRA dispute; use identity-theft workflow instead when the facts establish fraud/identity theft.
Late-payment reporting issue
Common indicators
- 30/60/90/120-day late reported incorrectly
- Payment was timely but shown late
- Wrong delinquency month
Typical path: CRA dispute when the payment-history fact is inaccurate; creditor/furnisher correction request may also be appropriate for documented errors.
Charge-off reporting issue
Common indicators
- Wrong balance
- Wrong status
- Wrong date of first delinquency
Typical path: Dispute the specific inaccurate field rather than the word charge-off itself.
Collection account review
Common indicators
- Unknown collector
- Wrong amount
- Original creditor unclear
Typical path: Separate credit-report accuracy disputes from FDCPA/Regulation F debt-validation or original-creditor requests.
Repossession reporting issue
Common indicators
- Incorrect deficiency balance
- Wrong repossession/charge-off status
- Sale proceeds not reflected
Typical path: Audit the account status, balance, dates, and deficiency reporting; dispute only the specific inaccurate information.
Hard inquiry / permissible-purpose review
Common indicators
- Consumer does not recognize inquiry
- Multiple unexpected inquiries
- Inquiry date/company does not match an application or account
Typical path: Review permissible purpose under FCRA §1681b and prepare a bureau inquiry review/dispute when the facts support it.
Incorrect dates / possible obsolescence
Common indicators
- Wrong date opened
- Wrong date of last payment
- Wrong date of first delinquency
Typical path: Identify which date field is wrong and apply FCRA §1681c only after the controlling date is established.
Balance, credit-limit, or duplicate error
Common indicators
- Wrong current balance
- Wrong credit limit
- Same debt appears duplicated inaccurately
Typical path: Identify the exact incorrect amount/limit/duplicate reporting and generate a bureau-specific dispute.
Bankruptcy and included-account review
Common indicators
- Wrong filing/discharge date
- Wrong chapter/status
- Included account still shows an inconsistent balance/status
Typical path: Review both the public-record information and each related tradeline; dispute the specific inaccurate fact.
Identity-theft account or inquiry
Common indicators
- Consumer states account/inquiry resulted from identity theft
- Fraudulent application/transaction
- FTC identity-theft report or police report available
Typical path: Identity-theft block under FCRA §1681c-2; §1681g(e) business-record request can support investigation of fraudulent applications/transactions.
Specialty consumer-reporting issue
Common indicators
- Bank account denial
- Tenant-screening denial
- Employment/background report problem
Typical path: Identify the specialty CRA, obtain the report, and dispute the exact inaccurate information with that reporting company.
Accurate negative information / rebuilding opportunity
Common indicators
- No factual inconsistency found
- Client confirms late payment or debt is accurate
- Negative item is current and verifiable
Typical path: Credit-building, utilization/payment strategy, creditor communication or goodwill request when appropriate; no false factual dispute.
Compliance first
What GAD will not do
Credit repair should improve the quality of the client's credit file through truthful, documented work—not by creating false disputes or promises.
No guaranteed deletions or score increases
No blanket disputes of every negative account
No false identity-theft claims
No disputes that misrepresent information the client knows is accurate
No promise of loan, housing, or credit approval
Official resources
Start with primary sources
GAD uses government and official consumer resources as the first layer for credit-report and dispute guidance.
AnnualCreditReport.com
Nationwide consumer reporting companies
Official starting point for consumers to request credit reports from Equifax, Experian, and TransUnion.
How to dispute an error on your credit report
Consumer Financial Protection Bureau
CFPB instructions for identifying an error, supporting a dispute with documents, and disputing credit-report information.
Sample letters to dispute credit report information
Consumer Financial Protection Bureau
Official CFPB sample-letter resource for disputes with a credit reporting company and an information furnisher.
Common credit report errors
Consumer Financial Protection Bureau
Official checklist of identity, account-status, date, balance, ownership, duplicate-account, and other common reporting errors.
IdentityTheft.gov
Federal Trade Commission
Federal recovery-plan resource for consumers dealing with identity theft and fraudulent accounts.
Consumer reporting companies list
Consumer Financial Protection Bureau
Directory for specialty consumer reporting companies, including tenant, employment, banking, insurance, and other reporting markets.
CFPB credit and consumer reporting complaints
Consumer Financial Protection Bureau
CFPB complaint guidance for unresolved credit and consumer reporting problems.
Next step
Start with your reports—not a promise.
Bring your current credit reports and any statements, payment records, settlement letters, or creditor correspondence that may support an issue.