Why didn’t I receive any credit bureau letters this round (Round 4)?

Modified on Fri, Dec 26, 2025 at 8:17 PM

This is intentional and by design.


In Round 4, the Smart Credit Algorithm™ strategically has the credit bureaus sit this round out. Instead of sending letters to the bureaus, this round focuses exclusively on the data furnisher — meaning the collection agency and/or original creditor reporting the account.


At this stage, your goal is to work directly with the data furnisher and place pressure where it matters most.

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