Skip to main content

Don't Dispute These 3 Negative Accounts on a Credit Report


Today we're covering 3 different account types that you do not want to dispute on a credit report and I'm explaining why you should consider this. If you would like to learn what CAN be diputed, head over to https://vault.my740.com or if you would like to see if I can help you with a credit sweep head over to https://my740.com. Video notes: Did you know that there's three different things that should not be disputed on your credit report? So if you're wondering, just like the 100 other people who asked this question every single day of me, what can be removed? Or can this account specifically be removed? And this is a video that you want to watch? Because those three things are very, very important. All right. So we're starting with number three. And that's going to be anything having to do with criminal court listed under your public records section. Now, it doesn't matter if this is for a bond or bail or central collections. If it has to do with the justice system, leave it alone, you already got in trouble don't get in more trouble just because you're just feeding now. I mean, can they ethically and legally retaliate? No, but you don't want to put yourself in that position? Why would you put yourself in that position, just take care of it financially, get it off your credit report. And that's it. Because I'm pretty certain, I'm not gonna say I am absolutely certain, but I'm pretty certain that once it is financially satisfied that it gets removed anyways. So just pay the damn thing. Okay. That is number three. Number two is going to be foreclosures in process. What that means is you're looking at your credit report, you have a foreclosure with Bank of America, and it says foreclosure started. Now, I can't remember where it was that I learned it because I've been doing this professionally for 10 years. So I don't know if it was my multiple certification courses. If it was, you know, something just miscellaneous that I picked up somewhere along the way, I can't tell you where I learned it. But it specifically said, if it says foreclosure started, it should not or cannot be disputed. And guess what? That was it. That was enough for me. So once it says for clothes, yes, go for it, it's fine. If it's a short sale, it's fine. It just cannot say open or started. Now, if that is in fact, inaccurate. And it should say for clothes, that's different. But if it's actually accurate, and it is started or open and it is not foreclosed yet, do not touch it. No, you don't have to take my word for it. You don't have to listen to me, I'm not your mom, I'm not your teacher and school. I'm just telling you based on my experience, and again, my 10 years of doing this, what I personally know and what I do for my clients or don't do right now, number one, child support. Now, if you didn't hear me, I said child support. Now Guess what? no judgment, I don't care who didn't pay what when whatever. It's none of my business. I'm just here to implement a solution or teach you how to do it, right. But this is a big one. And if you go and you schedule a call with me for credit sweep, it says right on there. If you're calling about child support, unfortunately, I cannot help you. I'm not going to dispute it for you. Here's the reason why is it that it's not ethical know what the thing is, is that you're going to waste years of your life. I don't have years of my life to dispute. I don't have years of my life to waste, do you obviously you don't either. So here's the deal. Even if you have 678 years, proving that you paid on time consistently, consistently, consistently, consistently, it's not going to make a difference, that counts not going to be corrected or removed or updated. 🔮 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 - https://vault.my740.com 🦸‍♀️ DFY credit sweep service free consultation 🦸‍♀️ https://my740.com Let's jump on a call and see if I can help! *I may receive compensation for external links, such as IdentityIQ

Comments

Popular posts from this blog

Tips for my brokers; Craigslist, Facebook, websites, advertising and more!

I work 90% with brokers, 10% with clients, and I actually prefer to work with brokers, as I have contact with only one person instead of 300 clients. So considering there are 528 of you brokers, I figured that I would post some tips and tricks for my brokers. I will break it down into sections to make it easier reading, and if you have any questions, comments or suggestions, let me know! Advertising Advertising can be a serious pain in the butt, and it is utterly necessary for a business like this one. I will give you a couple of suggestions that work for me. I am mostly just word of mouth now and do not need to advertise, as I have thousands of clients, but there are days when I do put my business out there again for new clients. Craigslist It is quite difficult to advertise with CL now, but there are tons of ways to get around being flagged or to prevent it from happening. CL is the 4th most visited site in the  world , so that right there should tell you that you need...

3 Resons why you should wait to apply for new credit

Applying for new credit before all derogatory items are deleted: My advice to my clients is always the same: wait until you're done with your credit repair or credit sweep program, but have a strategy to move forward from there. Here's a few reasons why: #1 you may be denied if you still have 1-2 items remaning and will end up with new inquiries that will drop your score #2 it may hinder the process of removing the last few items and can add 1-3 months to the timeframe #3 you may be approved with a very low limit and would have to wait 3-5 months prior to requesting an increase. In comparison, you can wait til everything has been completed and obtain a higher limit right off the bat. Here's a real-life example: I have a client would only has 4/86 negative items remaining and he wanted to move forward with his mortgage. I advised him to wait because (see #1) it would add inquiries and he may not be approved. He'd mentioned tha...

How to Fight "Verified", "Frivilous" & will not reinvestigate" Responses

https://www.expertcreditsweeps.com/book-online to schedule your free consultation! Are your disputes coming back as verified, frivilous or they won't reinvestigate? Are you going to accept stall tactics, scare tactics and denials? NO! What you need to do is look at your credit repair or credit sweep process and figure out the cause for these responses because you shouldn't be receiving them if you're doing this correctly! Are you sending in template letters? Disputing all of your derogatory accounts in 1 letter? Using generic dispute reasons? Using a credit repair company that's doing any of these things? One of these can be the reason you're encountering this and you need to stop right now. What can you do? #1 Don't use dispute templates #2 Dispute based off factual info from your credit report #3 Find out HOW the items are being "verified" #4 Fight them on the "frivilous" response #5 Make complaints #6 Don't take "NO...