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so let's go find that a general formula so remove is the action that's right here remove this account for an accuracy because is the justifier so that's a justifier because the First Data delinquency right it's d o One D then that's my little shorthand for it first the delinquency that's the element right reports as and then here's the reason the facts I'm backing everything I say with facts so Experian blah blah Equifax blah blah blah TransUnion blah blah blah all right that is the reason and again because we're using this for a charge off there is no outcome Okay so now step number three is where you take this reason that you created and you put it into your dispute letter now this may not look like a dispute letter but it's pretty straightforward
