I hope all is well and everyone is having a powerful Monday. If you are in the credit repair phase, there are many new updates and changes regarding disputing with the credit bureaus. Many credit repair agents and self-taught individuals start with the FTC and CFPB without following the proper process, and nine times out of ten, due to these new updates, your results will not be investigated properly. Laws and guidelines must be a priority when learning to deal with credit bureaus and debt collectors. If you master the art of the FCRA, FDCPA, and UCC laws and guidelines, you will be able to dispute anything. To achieve the results you want, you must dispute with the debt collectors first, after you freeze all secondary bureaus, perform a personal update with all credit bureaus, and notarize your personal information affidavits. Make sure your ID is updated and correct to ensure you receive your mail and maintain a paper trail.