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Showing posts from 2020

Top 5 Most Important Credit Sweep Dispute Reasons (Dispute Flow)

Check out the interactive Dispute Flow image at to read why each of the top 5 dispute reasons are the most important (for factual-based credit sweeps) and how each of them connect from element to the other. You can also get access to other news and free info at

We've gone over the Pyramid Method for years now but many still do not get why it's so important, why the method results in so many deletions and corrections and how to use it themselves. That's why I wanted to explain how the one impacts the other and where they sit in the pyramid.

This is mostly for removing charged-off accounts but it can be used for literally any negative item on your credit report - collections, charge-offs, repos, bankruptcy, late payments, short sales, foreclosures and whatever else you think of. If it has info, it can be disputed using this method!

Want to hand over the burden to an expert? Get a free cons…

Use This Game To Learn How To Dispute Difficult Accounts | Credit Sweeps

I created this game to teach you to use the Pyramid Method for disputing derogatory accounts on your credit report. It's a fun and interactive way to test your skills and has 8 different scenario branches that result in either win or lose. Best par - it's totally free!

Credit sweeps are already difficult to do, so knowing the right way to remove the accounts is always the most important part. This is why I started with how to remove charge-offs.

The Dispute Scenario Game uses 2 charged-off accounts to show how using different dispute reasons or tactics leads to different results and how it can make it very difficult VERY quickly if it's not done the right way.

This can be used for any derogatory account that you find on a credit report - collections, charge-offs, repos, late payments - whatever.

Want to hand over the burden to an expert? Get a free consultation at

*I offer this c…

How to Write the Perfect Dispute Letter for Credit Sweeps

If you would like to check out the Anatomy of a Dispute Letter at your own pace, you can access it totally free at - just click on Anatomy of a Dispute Letter. It's a fully-interactive image that shows everything that is required for learning how to write the perfect dispute letter to the credit bureaus and even gives dispute reason examples and 2 different tactics!

I don't care whether you're disputing a late payment, collection, charge-off, repo, bankruptcy, charge-off or just an inquiry - every single dispute letter for every single account is required to state very specific information. Without it, your likelihood of removing the derogatory info from the credit report is less.

If you've ever purchased or gotten a free credit repair course, this is normally one of the very first things that you learn (what goes into the actual letter), however unless you learn this first, none of those advanced tactics are going to mat…

Free Dispute Stream - Credit Sweep Dispute Reason Tool

I created this cool little dispute reason tool to walk you through determining your next best dispute reason using a simple yes/no flow. It will show you what to look at on your credit report and where to go next. It's 100% free and accessible at

Alternately, if you need help with your letters and want me to take over for you, schedule your call at

Is this considered credit repair software? No. It's simply an application that easily tells you what should occur next using the natural flow of the Pyramid Method for credit sweeps.

*I offer this content for free. Buy me a coffee at

Letterfy180 Unlimited Dispute Letter Creator Launch | Credit Sweeps

If you want to benefit from tons of split tests (so you don't have to figure it out yourself!), check out the Launch of Letterfy180 - create unlimited dispute letters with these 3 apps!

You can also access the Perfect Dispute Reason Creator for free at

This works on collections, charge-offs, repos, bankruptcies, inquiries, judgements, tax liens, late payments and literally any other type of account you can think of. Just click a few buttons, add some info and get your letter. Done!

Or, if you would rather have me do your credit sweep for you, use the link below:

Want to hand over the burden to an expert? Get a free consultation at

*I offer this content for free. Buy me a coffee at

Introducing The Massive Credit Bureau X Factor | For-Profit/Anti-Consumer

Always keep in mind that the credit bureaus are for-profit/for-creditor/anti-consumer. Their money comes directly from the creditor and processing investigations, deleting accounts and information and "ensuring the accuracy" of your credit report costs them money.

Learn how to dispute like a pro at

Join the beta coaching program to get more money, more leads and better results at - doors close on 9/15

Want to hand over the burden to an expert? Get a free consultation at

*I offer this content for free. Buy me a coffee at

The Perfect Dispute Reason Creator - Get Results Backed By Science (100%...

Use the Perfect Dispute Reason Creator to structure your reasons with science-backed formulas - it is totally free! Your dispute letters can now be written without worry and your results will come in as little as 1 letter!

Access link and instructions:
Step by step instructions:
Step 1: go to to access the Perfect Dispute Reason Creator
Step 2: sign up for Airtable if you have not done so already using the link at the top-right of your screen
Step 3: Once signed in, use the link at the top-right of the app to copy this app to your workspace and then click on the app to open it
Step 4: follow the instructions in the step by step screenshots to access your form
Step 5: that's it! Use it to create dispute reasons that get results!

Are you experiencing issues with your client files and want to take it to the next level? Check out the beta coaching program at…

When Is The Best Time To Fix My Credit

You and I both know that we wait until the last minute to do the things we know we have to do but really don't want to (and most of the time they are the most important, too!). I'm asked this question all of the time (when is the best time to fix my credit) and the answer is virtually always the same: as soon as you can. The reason behind this is simple: this is the most important thing (besides family and health) and your credit literally opens the door to all sorts of opportunities. Unfortunately, most consumers make the mistake of thinking that it can be put on a time schedule (i.e. I have to get a mortgage in x time) and that outside of ensuring that it be done correctly, that we are able to force the bureaus, creditors or collectors to do anything to delete the items we dispute.

To do it the right way:
1. visit any of my 400 videos here on youtube for free
2. learn how to factually dispute using DisputeIQ for free at
3. schedul…

2 Credit Sweep Strategies That Increased My Results 21%

As promised, I am documenting my process and sharing it with you! These are 2 actionable strategies that you can implement today if you wanted to. While simple, I was able to increase my results in a 3-month testing period and now you can too!

Credit repair isn't about doing the same thing over and over - sending the same dispute letters, for example - but expecting different results. No way; it's about testing to see what works best, documenting to see what dispute science works for your process and then doing it again to achieve those results. By changing your wording as well as knowing what is and what is not a violation, you can get faster results and watch those derogatory accounts just melt right off the credit report.

Check out the beta coaching program and Revolution Journey site at

If you would like to see if I can help you, schedule a call at

FCRA Sections 623 and 611 What You Need To Know For Credit Repair

I originally posted this without audio! Oh, no! I created this video for you on the FCRA sections 623 and 611 so that we can understand some very important parts to use against the bureaus and creditors. Why? Because none of this was actually created FOR YOU. It was created for THEM and to use the loopholes and laws against them, we need to understand them!

Look, credit sweeps (and credit repair) are very difficult and if you do not know what you are doing or why you are doing or why you are using x letter template or dispute letter (factual disputes), then the results may not be pretty. For this reason and this reason alone, I wanted to introduce you to a few paragraphs directly from the law!

You will find out how to use section 623 for identity theft as well as how any creditor can report inaccurate information (knowingly) on your credit report as long as they list an address and how to use section 611 and its specific timing in your dispute letters to the credit bureaus when they re…

#1 Best Score

We all want better credit scores and "prettier" credit reports, but unless it's done the right way, we won't obtain the financial freedom we fight for! That's why I wanted to share with you something that my clients have been asking about recently regarding strategy.

It's much better to be patient and fix your credit to obtain the end result than to get these little cards and loans that can actually set your credit and score-building strategy behind.

Check out the difference:
#1 - you patiently remove your negative items, pay on time with your positive accounts and then apply for a mortgage. You get low rates and approved for a large loan
#2 - you impatiently work on removing your negative items while also applying for small $200-$3000 credit cards and installment loans and misc credit. You wait longer for an approval and get a higher APR and lower loan amount

The bureaus are counting on you being impatient and falling off. They're counting on you getting s…

Free Credit Repair Dispute Letter Help Series (Video #2)

Finally! Here's video #2 of the Free Dispute Letter Help Series! If you want to submit your letters for video #4, use the link and I will include yours (guaranteed) in one of the next 2 videos.

I mention the EvolutionLine Method for 2 of these letters. If you would like to see the free replay of the workshop, head to

Access the free DisputeIQ Quizzes (all of level 1 is free!) at This will drastically increase your ability to leverage factual-based disputes for credit sweeps against the credit bureaus and teach you how to beat them at their own game.

Drop your email at to get exclusive access to dispute tools, resources, free help, early access, etc.

Check out my blog at It's brand new, so don't be a boo-boo-head.

Want to hand over the burden to an expert? Get a free consultation at

*I o…

How to Avoid the Top 3 Validation of Debt (VOD) Mistakes | Credit sweep

Learn the top 3 validation of debt mistakes so that you can avoid them and get results! Check out the slide deck at I created this video for you because I've spoken with so many people this week that have told me that they sent a 609 to a collector and a VOD to the original creditor and a VOD to the bureau, etc.

submit your letter for free help
check out the current DIY offers
schedule a free call to see if I can help you
start a chat
test your DISPUTEIQ to learn factual-based disputes:
watch the Dispute Funnel Workshop replay

Want to hand over the burden to an expert? Get a free consultation at

*I offer this content for free. Buy me a coffee at

How to Dispute Like a Pro For Free - Quiz Section 2 is Live! | Credit Sw...

Let's gear up for a productive week that generates results! DisputeIQ Quiz Level 1 Section 2 is now live and still 100% free! Test your credit repair knowledge, learn how to use the factual-dispute method for credit sweeps and start your journey with the right techniques right now!

You can access DisputeIQ Quiz, Level 1, Section 1 at *this is also where you sign up for the DisputeIQ Email Journey to get the entire rest of Level 1 100% FREE!

Submit your letter(s) for video 3 for free dispute letter help at

Section 2 will teach you:
- key to the VOD process to remove collections
- one of the most powerful violations that can remove virtually any account if used correctly
- the method that allows you to reuse reasons
- what you should do if the bureaus verify on round 1
- why it matters where your credit report comes from
- why templates don't work
-why the dispute process is a conflict of interest for the bureaus
- how t…

Credit Repair is Illegal in Georgia - 3 Ways to Avoid a Scam

I have people call every day from Georgia that would like my help and unfortunately, I can't take on their files and this is the reason! I figured I would tell everyone so that you can avoid being scammed by a company that won't tell you the truth (or that doesn't know this!). It's not the I don't want to help you, it's that I CAN'T help you. Credit repair and/or credit sweeps are illegal in the state of Georgia and if you didn't know, now you know.

Learn the factual-based dispute method by testing your DisputeIQ for FREE at and also get free access to the entire Level 1!

Submit your letter for FREE dispute letter help (new video series) at

Sign up for the Dispute Funnel Workshop Replay at

Sign up for the FREE EvolutionLine Method Webinar Replay at

Want to hand over the burden to an expert? Get a free consultation at…

How to Learn Factual Disputes (Without Paying For a Course) | Credit Sweeps

You can now access this super-simple and totally free DisputeIQ Level 1 quiz that will test your factual dispute knowledge and teach you the right answers if you didn't choose correctly! The best part about it is that you can get access to other levels for FREE as well! Simply go to or

Other stuff you need to check out:
Get free dispute letter help (I will not be doing another series video until I have enough letters) at
Schedule your credit sweep consultation at
Get Faster Results with the Dispute Funnel Workshop at

Want to hand over the burden to an expert? Get a free consultation at

*I offer this content for free. Buy me a coffee at

Do I Have To Pay A Charge Off? | Credit Sweeps

I've been asked this question quite a bit over the past 2 weeks (do I have to pay a charge off?) - you aren't the only one wondering this!

Submit your letter(s) for free help for the new series

Check out the website at or book your call for a credit sweep at

Want to hand over the burden to an expert? Get a free consultation at

*I offer this content for free. Buy me a coffee at

LIVE Dispute Letter Writing & Funnel Workshop | Credit Sweeps

What if you had a sure-fire blueprint to getting virtually ANY negative item removed from your credit report using a dispute funnel? What if you only had to join the live webinar to learn how to do it? Click to see more!

Links you need:
Visit the website or
Visit the mobile app or
View the full presentation from this video
Subscribe to the newsletter for exclusive free content and early access
Stay up-to-date on the new dispute playbook
Submit your letter for the new series

Learn more about the credit sweep service itself at

Want to hand over the burden to an expert? Get a free consultation at

*I offer this content for free. Buy me a coffee at…

Free Dispute Letter Help Series (Video 1) | Credit Sweep

Welcome to the new video series! I am shooting for one of these per week BUT it will only work if you submit the letters you're having issues with, so use the link in the description and let me know what you're having issues with so we can all help each other out!

EvolutionLine Method Webinar - get faster results, higher credit scores and an overall shorter dispute duration at: or

Submit your letter for the video series at or

Sign-up for the Dispute Playbook at

Lastly, for me to take over your file for a credit sweep: (Please visit the website first at
Want to hand over the burden to an expert? Get a free consultation at

*I offer this content for free. Buy me a coffee at

26 FCRA & FDCPA Debt Collector Violations - Free Stack | Credit Sweeps

As promised, here are the links to grab the 26 Debt Collector FCRA & FDCPA Debt Collector Violations Stack, the EvolutionLine Method sign up link and the link to schedule a call with me directly for a credit sweep:

Grab the Stack: or if youtube cuts off the link
Sign up for the EvolutionLine Method: or if youtube cuts off the link
Sign up for the Dispute Playbook Launch Updates at or if youtube cuts off the link
Submit your dispute letter for the new video series at

Want to hand over the burden to an expert? Get a free consultation at

*I offer this content for free. Buy me a coffee at

Livresq Course Creator Review | 100% Customization!

Interested in a Live Letter-Writing Workshop? | Credit Sweeps

I'm considering doing a live workshop here on youtube where I write some dispute letters live based on pre-chosen credit reports and walk you through everything I'm doing. If you are interested, hit the "like" so I know whether it would be of value to you!

How To Avoid Getting Stuck On Round 1 | (Credit Sweep Dispute Letters)

😎 🎙️ No one (including me) likes to be told what to do,💰 so I'm not telling you what to and what not to do. I'm simply letting you know based on my 10 years in the financial industry and thousands of split tests how to avoid getting stuck on what to say in your dispute letters and what to avoid to get results and move forward without a hitch. We need to write our letters with purpose and know that the dispute reasons we use are going to get our negative accounts deleted (or updated). 

If you would like to learn more about how to dispute, check out the Beginner's Guide and the Omni Letters at

If you would like a  coaching call:

To find out if I am able to take over your file for a credit sweep:

*I offer this content for free. Buy me a coffee at

#1 Mistake with the Method of Verification Dispute Letter for Credit Repair

So, you sent out your method of verification dispute letter to the credit bureaus and are wondering WHY it's not working and WHY you aren't getting your deletions. Watch this video to learn why I do NOT send out method of verification letters for my clients and if I do challenge, why I always use the factual-based dispute method.

To learn about products I currently offer:

And to have me take over your file:

Want to hand over the burden to an expert and get a credit sweep? Get a free consultation at

*I offer this content for free. Buy me a coffee at

My Advice to You About Credit Repair | Credit Sweeps

None of this is about me. It's about learning how to get to your credit destination without losing money, wasting time or getting "taken" by a company that tells you everything you want to hear.

The process behind this is really simple: listen to me and you'll get there. Don't listen to me and I guess I'll never know. Learn to use factual disputes and to look at this for what it is and have realistic expectations, and get the best outcome.

How to Delete Portfolio Recovery From Your Credit Report | Credit Sweep ...

This will work for ANY debt-buyer collector - and they are more definitely difficult to remove so make sure that you are preparing your disputes the right way!

The link to sign up for identityiq: (make sure to copy and paste it to your browser - otherwise you will get an error code)

If you are not using factual disputes for your credit sweep then you might find that it is very hard to get deletions - especially now. So please, take the time to learn to do this the right way. Need DIY help? go to

Want to hand over the burden to an expert? Get a free consultation at

*I offer this content for free. Buy me a coffee at

Warning Be Careful with CFPB Complaints for Credit Repair

A lot of consumers use CFPB (Consumer Financial Protection Bureau) complaints incorrectly, and it can end up costing them their results.

If you're wondering how this can happen (or why), the answer to this is simple: the CFPB is there to receive complaints after you've exhausted your remedies, because all the company has to do is come back and respond with "we investigated and the creditor/collector said it is verified. We sent these results". That's it! You would need to start all over again, except for this time, the CFPB will not take you seriously.

Now, if you submitted a complaint and included a ton of proof that you submitted FACTUAL DISPUTES proving that your accounts are listed inaccurately and can prove all these violations, then that would be a different story. What are they going to respond with, other than that they have to look into it and see what they can do to fix it?

One thing that can make or break you is whether you are using dispute letter tem…

Credit Card Companies to Lose $100 Billion Over Debit Card Usage

We finally have a victory over the credit card companies and
even though it may only be a small step, it’s going to cost them $100 bill per
year because of the pandemic.
I’m talking about the fact that consumers are using their
debt cards more than credit right now and it’s costing the cc companies a lot
of money – try a whopping $100 bill, as I mentioned.
So while they’ve been cutting our limits and closing out
cards and approving fewer consumers for new accounts like they’re our parents
punishing us for coming home late, we’re slowly pushing back – but in a very
big way!
Debit card volume went up 12%, while cc volume declined by
21% in May – that’s a big hit and it’s because of the fear of being in debt
during the pandemic, according to a visa executive.
This is similar to the 2008 financial crisis, the 2018 gov’t
shutdown and the initial clashes from the trade war with China when the stock
market took a big dip.
This is exactly what I was talking about when I said invest
in yourself,…

How does using debit cards instead of credit cards affect the lenders?

I see a win for consumers floating in the air, coming towards us like far-off clouds. I read an article today about how the credit card companies are losing money because consumers are using more of their own money instead of their credit cards. This means that they are using their debit  cards and cash instead of making the credit card companies money. I think it was something like $100 billion or some crazy amount like that. But the point behind this is because the credit card companies only make money (outside of annual fees and whatnot), money on interest if you don't pay in full each month. So, if you're paying in full each month, they don't make money. If you're not using your credit cards, the lenders do not make money. Why am I saying that this is a win for us? Because they're been taking from us and closing our cards and cutting out limits and making it more difficult to get approved. They've been taking it all away from us like they think they're …

Top 7 Questions to Ask a Credit Repair Company

These top #7 questions will save you from wasting thousands
of dollars, fraud, false hope and wasted time.
At a time when people are trying to capitalize off the global
it’s extremely important that you protect yourself by knowing what you should
and shouldn’t ask when you start looking around for credit report.
If you skip ahead in this video you won’t understand WHY
these questions matter, so make sure to watch until the end!
You might be asking, “WHY?” Why does t his matter? Well,
look at what you’re trying to accomplish and what’s required to get you there.
You want a $500k mortgage, but can’t even get a $200 secured card? You want a
$20k car loan but can’t even open a bank account? Your credit h as a direct
effect on your life, so why wouldn’t you be serious about it?
Your credit determines (most of the time), how much money
you make, where you live, what you live in, who you live with (mom, close the
door!), whether your work is your passion or pain, where your kids go…

Everyone Wants to Start a Credit Repair Business But No One Wants to Work | The ...

What's the #1 "profession" that everyone wants to get into right now? CREDIT REPAIR! Why? Because everyone (virtually) needs it! The problem is that everyone wants the end result (money, duh!) but nobody wants to put the super-hard work into learning to do it the right way so they can do right by their people and clients. Stop the madness! If you want to do credit repair or credit sweeps for a living, then you need to learn to do it the right way: factual disputes no templates not solely for self-gain not taking on every person as a client - it must be ethical and they must be able to afford it. Those are the golden rules (see Jordan Belfort's Straight Line Persuasion System). Don't be part of the problem, be part of the solution. You can do this by: watching my 300+ videos to learn to do this yourself for free (seriously, you can, just storyboard it and figure it out) get the Beginner's Guide to LEARN to dispute using factual-based disputes (35 min video …

If you're not getting results like this on your own credit report, you're doing something wrong

😕 𝙒𝙝𝙮 𝙖𝙧𝙚𝙣'𝙩 𝙮𝙤𝙪 𝙜𝙚𝙩𝙩𝙞𝙣𝙜 𝙧𝙚𝙨𝙪𝙡𝙩𝙨 𝙡𝙞𝙠𝙚 𝙩𝙝𝙞𝙨?? ⬅️ Because 𝘁𝗲𝗺𝗽𝗹𝗮𝘁𝗲𝘀 are made for specific situations - not the entire credit report. 🔊 𝗢𝗻𝗹𝗶𝗻𝗲 𝗱𝗶𝘀𝗽𝘂𝘁𝗲𝘀 are made to allow the bureaus to 𝘢𝘶𝘵𝘰𝘮𝘢𝘵𝘦 easier and let's not even get started with the identity theft sweep. 🎤 If you're not getting results like this, you need to s͟t͟o͟p͟ ͟p͟l͟a͟y͟i͟n͟g͟ ͟g͟a͟m͟e͟s͟ and schedule a 🤖 call with me right now to see if I can take over your file and do a credit sweep for you. Enough is enough, it's time to act. ⬅️