REMOVE COLLECTIONS With BAD CREDIT | DISPUTE CHARGE OFFS скачать в хорошем качестве

REMOVE COLLECTIONS With BAD CREDIT | DISPUTE CHARGE OFFS

👩🏽‍💼[GET MY CREDIT DISPUTE TEMPLATES HERE:] https://www.thecreditclapback.com/ ‼️The templates are simply just a guide. You may tweak them and watch the videos in your portal to help YOU decide what your letters should say. I DO NOT take 1:1 clients, provide credit repair/advise, or email consultations. I CANNOT answer ANY credit questions about what you should put in your letters, as all credit situations are different! ‼️ I CANNOT tell you what steps you should take next. Please use your best judgement based on the videos in the portal and your Dispute Roadmap in your resource library. ‼️If you decide to use my templates, I will NOT be able to answer questions about what your letter needs to say. I cannot give blanket advice beyond what is in this video. Please watch the videos in your portal and contact a consumer protection attorney for more insight if needed. ‼️ Disclaimer: I am not a financial advisor. This is strictly for informational purposes and does not replace the advice from a financial advisor or attorney. If the credit bureaus refuse to remove items that fraudulent, inaccurate, or outdated, possible steps could be: -- Report to CFPB (for credit bureaus and collections agency) You can file a report online or call them directly. Common Credit Dispute Mistakes: 1. Not Disputing By Mail 2. Not writing (handwritten) letters 3. Not Getting Signature Confirmation 5. Giving Up After the First Round of Letters FIRST: Pull your credit report & identify what is lowering your score. I recommend PrivacyGuard.com or Experian (sign up for their free trials) to view your 3 credit reports AND scores! Each credit report can have different information so check each report separately! IDENTIFY WHAT’S LOWERING YOUR SCORE -1. You don’t have ENOUGH credit established. -2. You have late payments on your report. -3. You have accounts in COLLECTIONS -4. Your accounts are closed to being maxed out -5. You have a public record such as a bankruptcy or foreclosure. HOW TO FIX LATE PAYMENTS: -CALL the creditor and negotiate the terms of the debt and ask if they can adjust your account status back to current/paid. -EXPLAIN you are having a tough time and ask if they can remove the late payment as a COURTESY. -IDENTIFY any inaccuracies and dispute it. HOW TO FIX ACCOUNTS THAT ARE IN COLLECTIONS: -DISPUTE, DISPUTE, DISPUTE any errors or inaccuracies (name, account opened date, account amount, etc) -Ask the lender to VALIDATE the debt -*DO NOT recommend* but some have inquired about this: ASK FOR “PAY FOR DELETION”* while I don’t recommend this method, here is how it can be used: Get a letter from the collection agency that states they will DELETE the negative account from your Credit Report, upon receipt of payment. If account balance is already “$0.00” but the negative collections status is still on your report, dispute the debt anyway with the credit bureaus. -If (Equifax, Experian and/or TransUnion) cannot prove the debt, it’ll get removed* *According to FCRA Section 609/611 guidelines. FIX MAXED OUT ACCOUNTS ON YOUR CREDIT REPORT (current, active accounts): 1. Pay down OR PAY OFF your credit cards, loans or any revolving accounts, 2. Ask for the credit card company to raise your credit limit-(DO NOT USE MORE CREDIT; BE RESPONSIBLE). FORECLOSURES & BANKRUPTCIES -NOT impossible, but it’s very hard to do -Dispute any errors or inaccuracies (ex-spouse’s debt, etc). -Ask an attorney if this can be rectified. THIS is the exact way to FIX a bad credit score, WITHOUT PAYING a company to help you do it! All of these steps can be taken TODAY to increase your score and remove derogatory marks off your credit report. Having a higher credit score will help you save money with a lower interest rate, getting approved for a home or an apartment, and will even help you get a better job!!! YES, EMPLOYERS CHECK CREDIT!! I raised my credit score over 300+ points and I didn't have to pay anyone! The most common misconception of improving one's credit score is that if you pay your collections accounts that are reported on your credit report, this will help your credit score. WRONG!