Queen of Credit

Today we’re cover 4 Outdated Credit Repair Strategies to Ditch, and you can find each of them linked below. Each of these credit repair tactics have been used by yours truly, and I can promise you that they’re not the BEST option for 2021 (but worked at some point in the past). If you would like to see if I can personally help you on your credit journey, head over to https://my740.com to grab a time on my calendar and I'll see if I can help. Always remember that we are beating the system, not trying to fool it. Part of this is understanding how the credit repair process works and realizing that there are no "credit repair loopholes" to use and that we need to use dispute letter and credit dispute process tactics or strategies that are planned and proven to get the end result. (This is what a credit sweep is for!) We do this using the exact same strategies that I share in the Bullet Proof training that you can find below! Find the topic: 01:05 #1 Changing your address...

We're covering 5 credit repair tips for faster dispute results that you can do starting TODAY. You can also get faster results today by scheduling your call with me at https://my740.com. Some of these may be straightforward, but you'd be surprised to hear how often I'm told that everything can't be disputed at the same time, or that something has to be removed because "there's an FCRA law". It doesn't work like that, and today I'm going to explain why! We are covering: - Why companies REALLY tell you that all negative accounts can't be disputed at the same time and why it matters to them - Why consumers fall for the whole "in as little as 30 or 45 days" gimmick for results - What you have to do to "enforce" the FCRA and get your results - What to do if the credit bureaus verify as accurate and don't comply, but violate - and we're also covering a few things about these fake credit repair loopholes and more! ...

Today we're continuing the Bullet Proof Strategy and diving in to how to write dispute reasons that get results. In part 1 of the series, we broke down EXACTLY what to say in a dispute letter to the credit bureaus and I introduced the AJERO formula that can be used to dispute and remove LITERALLY any account. Today, I'm giving you a Google Sheet tool ("The Builder"), that lets you create a bullet proof dispute reason for any negative account - bankruptcy, collection, charge-off, late payment, foreclosure, repossession, etc. 🐝 🐝 🐝 Bullet Proof Strategy video part 1: https://youtu.be/HsPBR3AVy6E Bullet Proof Strategy PDF's and The Builder free access links: https://app.sharedocview.com/visualizer/60d9593b280441d3ba33e9ee Here's the reason we do this: So many consumers are writing the wrong disputes - templates, identity theft, online disputes, phone disputes, etc. - and it's either because they were misinformed or because they think there's no o...

Today's video gives you the Bullet Proof Dispute Letter Strategy Credit Repair Training, which teaches you how to take your confusing credit report and turn it into dispute letters to the credit bureaus that get RESULTS. If you would like some help, schedule your free Discovery Call at https://my740.com and I will see if I can help. In this dispute letter training, you will learn the 2 questions your dispute letter must answer, the 5-part dispute reason formula that can be used to remove ANY negative account, and the exact wording that should be in the letter itself to write for results. This will work for removing charge-offs, collections, foreclosures, late payments, bankruptcies, inquiries, and anything else that you would like to see removed from a credit report! Here is the other video on the AJERO formula that was referenced in this video: https://www.youtube.com/watch?v=cuEU8cDTAvQ&t=62s 🔮 SUBSCRIBE TO MY CHANNEL 🔮 https://www.youtube.com/c/ExpertCreditSweeps?s...

Today we're talking about how to tell the difference between charge-off and collection on a credit report so that you can dispute it the right way and use a dispute letter strategy that gets results. If you would rather have me do this for you, schedule your call with me at https://my740.com and we'll see if a credit sweep would be a good fit! Bottom line to this video: You cannot dispute a charge-off the same way that you would dispute a collection so you need to take a look at the account type on the credit report and create your action plan accordingly. If the account type says "collection/charge-off" or any variation of this, it means that the account is a CHARGE-OFF, and it needs to be disputed as such. Referenced videos: AJERO formula https://www.youtube.com/c/ExpertCreditSweeps/search?query=formula Playlists: Removing charge-offs: https://www.youtube.com/watch?v=7lnWMUhxJpI&list=PLCkW-fTkIGnxzt1sW927AMYuQzXXnTwcb FAQ Series: https://www.youtube....

Today we're talking about how to dispute an account that's verified as accurate by the credit bureaus, in additon to the credit sweep tactics that need to be used. This video teaches you EXACTLY what to say, how to say it, and in what order to say it. You'll also learn the dispute reason formula that can be used on ANY account to remove it. The 2 videos referenced in this video are: https://youtu.be/z7eIF9O9NnQ 2 formulas to remove any account https://youtu.be/hHXhKXXUF34 what to dispute on a negative account The purpose of an account verification is to GET RID OF YOU and nothing more, so you need to know the steps that I explain in this video to write a credit repair dispute letter that works. Some of things I go over in this video are: - what you should NOT use to dispute a negative account - what you SHOULD use to ddispute a negative account - dispute reason flow - how to remove a charge-off, late payment and collection - the #1 thing you should NOT to when ...

This client's credit score increased from 526 to 720 in just 90 days! (It's actually 60 bcuz I miscalculated and you see that below the "how we did it" section). That's a total of 194 points! WHAT? Yeah. If you would like to see where your credit can go with a little bit of help, schedule your free Discovery Call with me at https://my740.com and I will see if I can help. For this client, we removed a foreclosure, 2 credit card charge-offs, student loans and a repossession. Crazy, right? That's pretty heavy, but that's the magic of a credit sweep! How we did it: Round 1: targeted the date last active and payment history (late payments after the account was closed) Round 2: targeted the missing notice of dispute And you know what? I just realized that we did this in 60 DAYS, not 90! (Because the 3rd report is an update from rounds 1 (30 days) and 2 (60 days)). However, I am going to leave it like this and not re-record, because I have client files to...

Today we're talking about how to remove paid or settled charge-offs from a credit report and we're breaking down how to analyze, make an action determination, and make a plan of attack. You can access all PDFs referenced in this video and the previous worksheets at https://app.sharedocview.com/visualizer/60d01a3433b1a40779a49908 If you have paid or settled charge-offs, we go after them differently than we would an unpaid account and in this video I explain how to handle these. During the analysis, we'll be able to figure out whether to keep the account or delete it, and then can map out the plan of attack using the strategy sheet. Make sure to grab yours today! 🔮 SUBSCRIBE TO MY CHANNEL 🔮 https://www.youtube.com/c/ExpertCreditSweeps?sub_confirmation=1 ✨ Check out all 3 credit reports and scores with the same credit monitoring I show in my videos and use for my clients with IdentityIQ: ✨ https://member.identityiq.com/help-you-to-save-money.aspx?offercode=431134PT ...

Today's video is on how to remove closed accounts from a credit report and by the end, you'll know whether you should remove it, update it or leave it. I've tried to include different examples as well as when you should avoid removing it all together. If you require assistance and want to see if I can help you on your credit journey with a credit sweep, head over to https://my740.com to schedule your free Discovery Call and I will see if i can help. How to Correct or Remove Student Loans Mini Course https://vargasrevolution.vipmembervault.com/products/courses/view/1069767 Videos on Student Loans https://www.youtube.com/c/ExpertCreditSweeps/search?query=student%20loan How to Remove a Charge-off Without Paying https://youtu.be/j8wdGhgr9w0 How to Remove a Charge-off From a Credit Report https://youtu.be/XscYmpzZOBY 5 Easy Credit Report Errors to Dispute https://youtu.be/Lw00MNKT5rg Dispute Letter Stacking Method https://youtu.be/kOtQSob1OdM How to Dispute a Cre...

Today we're talking about how to remove collections from a credit report without paying and it goes with the last video on how to remove a charge-off without paying, which can be found here: https://www.youtube.com/watch?v=j8wdGhgr9w0 | If you would like to see if a credit sweep would be a good fit, head over to https://my740.com for a Discovery Call and I will see if I can help. The problem: Many consumers were taught that you should send a validation of debt for EVERY single collection account and that's most definitely not the answer to the problem. Not only are there collections that should NOT be disputed this way, but it can put you in hot water, and no one wants this. Another problem: Each type of collection has its own action plan and method for disputing, such as: medical and utility, apartment and debt buyer collections. I go over each of these methods as well as example dispute reasons, collection myths and timing of disputes to get the fastest results (in thi...

Today I'm showing you how to remove a charge-off without paying and this also covers different inaccuracies you should be on the lookout for on your credit report to get the account removed. If you would like a free consultation for a credit sweep, schedule your call today at https://my740.com and I'll see if I can help. Here are the 3 videos referenced on how to remove charge-offs and what an account should look like on a credit report: https://www.youtube.com/watch?v=goLRnQNYdF0&t https://www.youtube.com/watch?v=ooTpRO2XjGc https://www.youtube.com/watch?v=XscYmpzZOBY&t 🔮 SUBSCRIBE TO MY CHANNEL 🔮 https://www.youtube.com/c/ExpertCreditSweeps?sub_confirmation=1 ✨ Check out all 3 credit reports and scores with the same credit monitoring I show in my videos and use for my clients with IdentityIQ: ✨ https://member.identityiq.com/help-you-to-save-money.aspx?offercode=431134PT 🧙‍♀️ GET HELP WITH YOUR CREDIT JOURNEY DIY awesome free tools, tutorials and downloads -...

I'm sharing with you another client win: he got some $300k removed and gained 329 credit score points in JUST 90 DAYS! These always astonish me because it's most definitely not normal to have it happen that quickly! The way we did this was by attacking his accounts using factual disputes and then went after the violation for failure to enter the notice of dispute (violation of section 623 on the bureaus and 807.8 for the collectors). Do YOU need help with your own credit? If so, head over to https://my740.com to schedule your free credit sweep consultation and I will see if I can help! How factual disputes work vs. credit repair: Credit repair: - generally uses dispute letter templates ONLY, which means that it is the same letters sent for all clients regardless of situation - not targeted to specific reason why account needs to be removed or updated and simply asks for a verficiation - if the consumer is with a credit repair company, that company will normally dispute o...

Today we're talking about how to remove a charge-off from a credit report again, and you can access the worksheets I show in this video totally free at https://hub.my740.com to map out your accounts and strategy of attack. If you would like to schedule a 1:1 call for a credit sweep head to https://my740.com and I'll see if I can help. Here's the reason we do this: The longer you dispute, the harder it is to remove the account, so when writing your dispute letter, it's imperative that it be PERFECT and planned out. You also want to keep track of everything - the rounds, violations, responses, etc. so that you can use them in complaints and fighting those violations. 🔮 SUBSCRIBE TO MY CHANNEL 🔮 https://www.youtube.com/c/ExpertCreditSweeps?sub_confirmation=1 ✨ Check out all 3 credit reports and scores with the same credit monitoring I show in my videos and use for my clients with IdentityIQ: ✨ https://member.identityiq.com/help-you-to-save-money.aspx?offercode=431...

Today we're looking at how much time it takes to remove an account from a credit report and we're going over medical collections, collections like evictions, late payments, charge-offs, student loans and bankruptcy. If you would like to schedule a free call for a credit sweep, head over to https://my740.com to see if a 1:1 custom sweep would be a good fit for your situation. You see, the problem is that many companies will tell you whatever you need to hear to get you to sign up - like "in as little as 30 days, this can be removed" - when the truth is THAT'S ONLY ONE ROUND! What they are NOT telling you is that yeah, it CAN come off in that timeframe, but the majority of the time it will be verified and you'll have to send out another round of disputes. When it's verified, the only way to get your results is to keep moving forward and hold them accountable by disputing. This is the reason why I teach you so many different methods and strategies so that...

Today I'm sharing with you today another client win: credit score increase of 501 to 635 in just 60 days and 1 letter sent to the credit bureaus (and 1 to the collectors)! You'll see the breakdown inside the video and I take you inside the actual credit report on the IdentityIQ credit monitoring website! Why do I post these videos? Because I have hundreds of video tutorials and I like to show you that my methods work! What can be removed with a credit sweep? Collections, charge-offs, foreclosures, late payments, bankruptcies, tax liens, judgements, short sales, inquiries and more! Do all clients receive results like this? Seriously? Of course not! I create videos that give inspiration, proof that the methods work and that you can too get results BUT you have to dispute the right way. If not, not only will the negative items not be removed, but they can be re-aged illegally or worse, you can get banned. This is why I send out letters that contain VERIFIABLE FACTS and use a le...

I raised this client's credit score 325 points in 90 days and deleted $377, 391 in derogatory debt and today I'm sharing with you the 3 IdentityIQ credit reports that show it. If you would like to learn how to fix your credit using factual disputes head to https://vault.my740.com or to schedule your free call with me go to https://my740.com. My client had collections (3rd party and debt-buyer collections like Portfolio Recovery and Midland), charge-offs, repos, late payments, and I removed EVERYTHING except for a handful of accounts out of the 40+ negative accounts he had.... $300k+ in fact. Oh and did I mention that it was in just 90 days? How did I do this, you ask? Magic. No, just kidding. I used factual disputes, I disputed directly with the collectors first before the vureaus, caught them in violations, used the violations to get my deletions, disputed with the bureaus on the other accounts, used the EvolutionLine Method on round 2, and used the Dispute Funnel to Set...

Today we're once again going over 5 Easy Credit Report Errors to Dispute that are found on tons of credit reports that I process every year. I explain why they don't belong on there and even give example dispute reasons to remove them. These are considered Sesame Street Dispute Reasons because of the simplicity of this concept and while that may sound funny, it IS the easiest and fastest way to grasp the concept. If you would like to learn more about factual disputes or how to fix your own credit report, head to https://vault.my740.com OR if you would like to have me take a look at your credit and see what I can do, head to https://my740.com. 🔮 SUBSCRIBE TO MY CHANNEL 🔮 https://www.youtube.com/c/ExpertCreditSweeps?sub_confirmation=1 ✨ Check out all 3 credit reports and scores with the same credit monitoring I show in my videos and use for my clients with IdentityIQ: ✨ https://member.identityiq.com/help-you-to-save-money.aspx?offercode=431134PT 🧙‍♀️ GET HELP WITH YOUR CRE...

Today we're breaking down the letter that removed $17,631 from this client's credit report and got him 129-pt credit score increase in 30 days WITHOUT using templates or identity theft or online disputes. You can schedule a call with me at https://my740.com if you would like to get help with your own credit report. Here's the dispute reason formula that I mention in this video: https://www.youtube.com/watch?v=UJMHNRbKjQw&t I'm showing you the exact letter that was used in addition to the disute reasons that removed Navy Federal Credit Union, Credit One, US Dept Vets and Southwest Credit in just 30 days and explaining why I used these specific dispute reasons. If you have questions let me know in the comments! 🔮 SUBSCRIBE TO MY CHANNEL 🔮 https://www.youtube.com/c/ExpertCreditSweeps?sub_confirmation=1 ✨ Check out all 3 credit reports and scores with the same credit monitoring I show in my videos and use for my clients with IdentityIQ: ✨ https://member.identity...

Here's a credit sweep tactic for dispute letters that I call the "Stacking Method". You can access all 3 action plan PDFs at https://yt-access.swipepages.co/stacking for free with no opt-in. This is a *GEM* that I'm re-sharing with you as part of our Dispute Letter Tactics Series (you can find it under the playlists). If you need help, schedule your 1:1 credit sweep call today at https://my740.com . Use this worksheet and map to create your Stacking Workflow (using the Stacking Technique). This is b asically where you just become a huge pain in the behind and keep shooting at them with everything that you have. You're going to break down your dispute letter and your dispute reasons and figure out whether to challenge or come at them with a new disputre reason. You want to begin by looking at the following: Was the account verified? If yes, should you challenge or use a new dispute reason? Should you use a simple request letter or a demand dispute letter...

If the bureaus don’t add a simple sentence to your credit report, they have to delete the disputed account and today I’m going to show you what that sentence is, why it works and how to use it with your own accounts. You can follow along with the interactive image at h ttps://view.genial.ly/60b7074792aeb50d400defad I’m also going to show you an easy trick for collections accounts to increase the chance of a violation. You’re also going to get 4 different methods to use, so stay til the end of the video to see how to get the maximum results from this tactic and a breakdown of each of them! Main key in this video: We’ve got FCRA Section 623(a)(3) and FDCPA Section 807(8) – and both of them say the same thing: IF a consumer disputes an account, the account needs to be marked as disputed on the credit report, otherwise, it’s a violation. The sentence that needs to be added to your credit report says “disputed by consumer”, or something similar. 🔮 SUBSCRIBE TO MY CHANNEL ...