Our Approach

Forgotten Financial LLC teaches the legal, compliant way to handle credit reporting and credit-related communications. We exist to reduce errors, prevent fraud, and lower unnecessary regulatory pressure by replacing shortcuts with financial literacy and sound procedures.

• FCRA & CROA fundamentals — rights, responsibilities, and boundaries.
• Furnisher duties (FCRA §623) — accuracy, updates, corrections, and reasonable procedures.
• Metro 2® concepts — high-level reporting standards and common error prevention.
• Disputes & Reinvestigations (FCRA §611) — what’s “frivolous or irrelevant,” timelines, and documentation.
• Recordkeeping & Controls — policies, audit trails, data retention, and vendor oversight.
• Consumer Communications — clear, non-misleading disclosures that avoid UDAAP risk.

We provide education and practical guidance; we do not perform credit repair or give legal advice.

We empower consumers, small businesses, and credit-industry professionals (lenders, data furnishers, bureaus) to operate confidently within the law—resulting in fewer frivolous/duplicate disputes, more accurate tradeline data, and reduced compliance exposure across the ecosystem.

• Fewer frivolous or duplicate disputes and cleaner e-OSCAR workflows.
• Improved data accuracy and fewer corrections/reinvestigations.
• Lower regulatory pressure through better procedures and documentation.
• Stronger consumer outcomes via education that prevents mistakes before they happen.

We provide educational briefings and guidance tailored to your role (consumer, business, or industry). Sessions focus on clarity, compliance, and readiness—so teams know what to do, what to avoid, and how to document it.

• Educational content only; no credit repair services and no score guarantees.
• Information provided is not legal, tax, or financial advice.
• We promote alignment with FCRA, CROA, and GLBA principles.
• We encourage reasonable procedures, documented controls, and transparent consumer communications.

Compliance Credential

CDIA FCRA Certificate Program for Data Furnishers (active through Aug 25, 2027).

Our education aligns with FCRA, CROA, and GLBA principles—but we do not provide legal advice or credit repair services.