HOW TO REMOVE LATE PAYMENTS LEGALLY скачать в хорошем качестве

HOW TO REMOVE LATE PAYMENTS LEGALLY

Late payments are the #1 credit score killer — and most of them stay on your report because consumers challenge them the wrong way. In this video, I break down how late payments are actually removed under consumer law, why credit bureaus routinely violate the Fair Credit Reporting Act (FCRA), and how to legally force deletions when late payments are inaccurate, unverified, or improperly investigated. If you’ve ever disputed late payments and got hit with “Verified as Accurate”, this video explains why that response is often illegal — and how to use the law to your advantage. ⚖️ What You’ll Learn: ✅ Why late payments must be provable, not just “reported” ✅ How FCRA §1681i requires documented verification ✅ Why “furnisher verification” alone is not enough ✅ How billing disputes stop lawful late payment reporting ✅ When late payments become willful noncompliance ✅ How to create deletion leverage without begging creditors ❌ Common Late Payment Myths (Exposed): 🚫 “If you paid late, it can’t be removed” 🚫 “Goodwill letters are the only option” 🚫 “The creditor said it’s accurate” 🚫 “Credit bureaus can rely on the furnisher’s word” None of those are true under federal law. 📚 Laws Covered In This Video: • Fair Credit Reporting Act §1681e(b) – Maximum Possible Accuracy • FCRA §1681i – Reasonable Reinvestigation Requirement • FCRA §1681n & §1681o – Willful & Negligent Violations • Fair Credit Billing Act §1666 📉 If You’re Dealing With: 🔻 False or misreported late payments 🔻 Disputed payments still being reported 🔻 Creditors refusing to correct errors 🔻 Copy-paste bureau responses 🔻 Score drops that don’t make sense This video shows you how to challenge late payments the right way. 📈 Who This Video Is For: ✔ Consumers rebuilding credit ✔ Entrepreneurs preparing for funding ✔ Anyone tired of being ignored by credit bureaus 🚀 Next Steps: 👉 Subscribe for weekly consumer law breakdowns 👉 Like & share if you want real credit power 👉 Comment “LATE” and I’ll tell you your next move 👉 Book a consultation (link in description) 🔔 DISCLAIMER: This content is for educational purposes only and does not constitute legal advice.