Resources / Dispute operations
Round 1 to 3 Dispute Workflow SOP
A documented three-round dispute rhythm with checkpoints, so every round stays truthful and traceable.
What is inside
- Intake and report review before anything is mailed
- When round 2 goes to furnishers or a method of verification request
- Round 3 escalation and the file notes that protect the owner
Who it is for: Credit repair business owners and dispute staff who run rounds 1 to 3 for their clients.
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Questions
Does this workflow produce a particular result?
No. The workflow keeps disputes truthful and documented. Results depend on what the furnisher and the bureau find, and no one can promise an outcome.
How many rounds does a client need?
There is no set number. Stop when every item still in dispute has a documented reason, and when the items the client confirms as accurate are removed from the dispute.
Can I dispute items the client says are accurate?
No. Disputes target inaccurate, incomplete or unverifiable information only. Items the client calls accurate stay out of every round.
SCAIL is software and does not repair credit or promise results. Educational information, not legal advice. Laws change; verify with counsel.