How to Terminate a Relationship

By Larry Chiang

As a guy, I approve of breaking up via text. Isn’t technology awesome. No pain, no fuss

Well, when you’re trying to break up a business relationship, use my “hack” where you write a letter and lick a stamp

Here is the cautionary, cliche tale…

	Nick Mendoza (@NickyDoze)
12/28/10, 8:34 PM @freecreditrepor screwed me out of $14.95/month on some bogus membership thing & when i look it up my membership doesn’t exist

Lets break down what not to do before I circle back to what you SHOULD do (write a letter)

-1- You should not call to cancel.

Calling will just get you results that are sub par and less than desirable with near zero efficacy.

-2- Credit bureaus bank on you calling

They want you to call. They make more money when you call. It is impossible to cancel via a phoned in call.

-3- Credit companies do not want efficient and efficiencies.

They want inefficient. Because it is literally their business model.

-4- Credit companies want you to not leverage FCRA.

The FCRA says you must mail in paper disputes. I know you think they just throw away the mail that goes to their PO Box. But they do not because it is illegal. Each USPS envelope is viewed as sacrosanct.

-5- Credit companies hate when you hit their Achilles heel (the PO Box!)

Mail the Free Credit Report people a cancellation*. And mail your credit card company a credit dispute letter**.

*It is in the book, “Ultimate Credit Handbook” by Gerri Detweiler.

** See the book, “Ultimate Credit Handbook” by Gerri Detweiler. It’s used on Amazon

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