“Don’t Fall for the 30-Day Deletion Hack: What FCRA 605B Actually Means”

If you've spent any time online lately, you’ve probably seen the flashy ads or viral reels claiming you can “delete anything from your credit report in 4–30 days” using some “secret FCRA hack.”

One of the most common strategies being pushed right now is something called FCRA § 605B — and while it’s a real law, the way it's being used? Risky, misleading, and potentially illegal.

As someone who works in credit support because I genuinely want to help people reclaim their financial power, I feel a responsibility to clear the air on this.

 What Is FCRA § 605B?

FCRA § 605B is part of the Fair Credit Reporting Act. It was created to protect identity theft victims. It allows consumers to block certain items from their credit reports if they can prove those items were the result of identity theft.

To legally use this protection, a person must provide:

• Proof of identity

• A police report or FTC identity theft affidavit

• A written statement identifying the accounts in question

Once submitted, the credit bureaus are required to block the reported items within 4 business days.

Sounds powerful, right? It is — for real victims of identity theft.

 How It’s Being Misused

Some influencers and online sellers are teaching people to:

• Claim legitimate debt as identity theft

• File false police reports or FTC claims

• Use templated letters with § 605B to try and delete any negative item

They say things like:

“Don’t pay for credit repair! Use this one form and get instant results.”

While that may sound appealing when you’re feeling stuck or desperate, this isn’t a hack — it’s fraud.

The Consequences Are Serious

Here’s what they don’t tell you:

• Filing a false identity theft report is a crime

• Using this tactic can get you flagged for fraud with the credit bureaus

• The accounts they remove may be reinserted later

• You could lose access to legitimate credit repair tools that work long-term

Even worse, this kind of advice puts people with real identity theft cases at a disadvantage. It clogs the system and leads to more scrutiny and delays for those who actually need help.

What to Do Instead

If you're trying to clean up your credit, you don’t need gimmicks or legal risks. What you need is:

• A real strategy based on your actual report

• A dispute process that follows the FCRA and Metro 2 compliance

• Someone who will walk with you, not sell you a “magic fix”

Credit healing takes time, but it works when it's done right.

 Final Thoughts: Don’t Trade Hope for Hype

You deserve better than someone selling shortcuts that could land you in trouble.You deserve real help. Honest support. And results that last.

If you're feeling overwhelmed by what's on your credit report, I offer a $29.98 plan — no tricks, just honest, affordable support for people ready to make a real change.

💛 Let’s fix this the right way — together.

**If you're ready to get started, click the chat button and we'll meet you where your at**