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The Creditor Clean Sweep™
Flat Rate: $995
A deeper legal assault on derogatory data — built for high-pressure deletion needs.
WHO THIS IS FOR
This tier is ideal for individuals with more complex or stubborn credit issues, including:
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Medical collections
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Car repossessions
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Student loan lates (non-defaulted)
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Multiple unpaid collections
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LexisNexis & CoreLogic activity
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Reappearing junk debt from resellers
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Victims of inaccurate or re-aged tradelines
If you’re fighting more than just one or two accounts — and you’re tired of “template disputes” that don’t work — this tier brings the legal heat.
WHAT’S INCLUDED, EVERYTHING IN TIER 1, PLUS:
Expanded Creditor Challenges (Up to 25 Items)
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Collections up to $10,000
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Auto loan repossessions (deficiency & resale enforcement)
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Student loan lates (non-defaulted)
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Debt buyer & junk debt challenges
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Insurance and hospital medical collections
HIPAA & Medical Debt Enforcement
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HIPAA-compliant privacy disputes
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Non-permissible access enforcement
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Billing discrepancy review (EOB vs tradeline)
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Regulatory privacy notice delivery
Data Broker & Public Record Suppression
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LexisNexis and CoreLogic suppression
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Innovis removal request
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Skip-trace broker opt-outs
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Pre-screen and mailing list removal (OptOutPrescreen.com)
Legal Dispute Letters (Drafted for You)
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Custom, non-template creditor letters
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Legal demands to furnishers (banks, collectors, lenders)
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Credit bureau certified disputes
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Statutory violations and burden of proof shift
Government Complaints + Enforcement
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CFPB complaint filing (furnisher and CRA)
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Attorney General complaints (state-specific)
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FTC privacy violation filings if needed
Credit Rebuild Resources
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PDF guide: 3-bureau rebuilding plan
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Secured card & tier-one tradeline roadmap
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Bank and installment strategy matrix
LEGAL REINFORCEMENT STRATEGIES
Every file is legally backed and processed under federal law, including:
FCRA (15 U.S.C. §1681)
Disputing accuracy, outdatedness, and unverifiable entries
HIPAA (45 CFR §164)
Medical privacy enforcement for collections and tradelines
FDCPA (15 U.S.C. §1692)
Challenging collector misconduct and false representations
FACTA
Furnisher responsibilities and reinsertion violations
State Laws
Statutes of limitation, re-aging penalties, and privacy violations (varies by state)
COMMON VIOLATIONS WE TARGET
Violation | Enforcement Strategy |
|---|---|
Debt buyers with no contracts | FDCPA §809 validation demand |
HIPAA violations | Privacy rights under HIPAA + FCRA |
Duplicate tradelines | Material duplication = FCRA inaccuracy |
Tradeline reinsertion | Procedural failure + CFPB complaint |
Obsolete items | 7-year federal rule enforcement |
Re-aged charge-offs | FCRA §605(c) + date of first delinquency |
CASE EXAMPLES (PROVEN STRATEGIES)
1. Medical Collection Deletion
A client had 3 paid collections totaling $9,200. We used a HIPAA privacy letter + lack of itemization notice + filed a CFPB complaint. All 3 accounts were deleted in under 60 days
2. Repo After Resale
A 2019 vehicle was repossessed and reported as unpaid. We demanded post-sale deficiency proof and issued re-aging warnings. Deletion occurred after 1 round of legal pressure.
3. LexisNexis Suppression
A collection removed in 2023 reappeared on a credit report due to data broker reinsertion. We issued suppression letters, legal threats, and broker opt-out demands. It was removed in 14 days.
REQUIRED DOCUMENTS TO BEGIN
Please upload or email the following to open your legal file:
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Government-issued ID (Driver’s License or Passport)
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Proof of address (Utility bill, lease, bank statement)
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Full 3-bureau credit report (We’ll help you pull it if needed)
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Any debt letters, collection notices, or bills you’ve received
We will scan your records for all violations, confirm if the accounts qualify for enforcement, and begin drafting disputes within 72 hours.
RESULTS TIMELINE
Phase | Timeframe |
|---|---|
Custom Legal Drafts | 3–5 business days |
First Round Mailings | Within 7 days |
Response Review | 30–45 days |
Second Round (if needed) | +30 days |
Regulatory Escalation | 60–90 days |
File Setup & Analysis | 1–3 business days |
You’ll receive progress updates by email and secure upload as we proceed. We aim for deletions within 30–90 days depending on the bureau and creditor response.
ADDITIONAL OPTIONS (UPSELLS IF NEEDED)
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Bankruptcy clean-up / discharge enforcement – Add-on $297
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IRS Debt & Tax Lien suppression – Custom quote
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Identity Theft Affidavit + Report Filing – Add-on $97
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Hard inquiry removal – Add-on $197
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Equifax breach suppression (if applicable) – Add-on $97
Ask us if you need any of these services once your Tier 2 file is opened.
REPRESENTATION GUARANTEE
All disputes and filings are prepared under the supervision of:
Law Offices of Omar Zambrano
This is not a DIY credit repair program. Every letter is attorney-reviewed, legally compliant, and crafted based on your unique reports and situation. No templates. No gimmicks. Just legal firepower.