Report Recon Blog

Practical, source-linked guides about reviewing credit reports, preparing disputes, and comparing self-help software with manual workflows and credit repair services.

e-OSCAR Dispute Codes and ACDV Routing Explained

A practical guide to ACDV dispute routing, Metro 2 data fields, furnisher responses, and writing a specific dispute without relying on outdated code tables.

Credit dispute mechanics ·

More from Report Recon

How to Start a Credit Repair Business in 2026

The actual sequence: the two laws that apply, state registration and bonding, CROA-compliant contracts, pricing models, software, and what it really costs to start.

Business guide ·

Report Recon vs. Manual Credit Dispute

Compare Report Recon with reviewing and disputing credit-report errors entirely by hand, including cost, review, drafting, submission, and recordkeeping.

Workflow comparison ·

Report Recon vs. Credit Repair Companies

Compare Report Recon with contracted credit repair services across pricing, control, report analysis, dispute letters, visibility, and outcome claims.

Service comparison ·

About the author

Keritan Shelby

Keritan Shelby created Report Recon and founded JMS Consulting Firm, a Dallas credit-repair and business-funding company. He has worked in credit repair for seven years, and JMS has served more than 300 clients challenging inaccurate or unsupported credit reporting involving millions of dollars in reported debt. He has also worked with consumer attorneys when clients pursued claims alleging FCRA violations by credit reporting agencies.

Creator of Report Recon and founder of JMS Consulting Firm

Editorial disclosure: Keritan Shelby created Report Recon and founded JMS Consulting Firm. Articles may discuss Report Recon, and comparisons may include JMS Consulting Firm.