How to Write Killer Dispute Letters | Credit Sweep Reasons

Today we're covering how to write killer reasons on your dispute letters using factual-based disputes. You can find full tutorials and breakdowns at https://vault.my740.com or schedule your free consultation with me https://my740.com. We're covering the EXACT way your dispute reasons should be reported to not come back as verified as accurate by the credit bureaus, and get results. 🔮 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! Video notes: Removing late payments: You’ll want to say: I've never been late, update to update to paid as agreed, because remember, you want to force them to do an investigation and they're not going to be able to prove that you were because the only legal form of verification for a late payment is for them to actually provide the bank statement belonging to the bank when your payment was actually accepted into their account. And they're never going to do that. Because of this, it can't be verified. You’ll only want to dispute one or two late payments at a time Do not dispute 3,4,5,6,7,8,9,10; it is not worth it. If you have 10 late payments, that whole account needs to come off. Don't even bother with it. Removing debt buyer collections: To remove a collection, you’ll say: Why is there a past due on a collection? Remove it immediately. Because remember, with a collection, I don't care what type of collection, there should be #1 no past due. #2 no late payments, because it's a collection. And by default, a collection is late. A collection is past due. So, it's actually a violation of the FDCPA for those two things to be on there. Just remember that because you're going to run into issues removing portfolio recovery and all of that and simply telling them that they need to remove it because you have no contract with them is not the way that you're going to get it off. Because you're not going to have a contract with a collection agency, I don't care who the heck they are. Okay. So be easy on this, do it without a hassle for yourself, stop going back and forth with them and just find what doesn't belong. If you go back to my videos on the FDCPA violations, you're going to see that one of those violations, I think it's towards the end of the video is past due in late payments on a collection. How to remove negative accounts from your credit report: So when we're talking about inaccuracy, we're not talking about whether you owe money. We're not talking about whether that account is valid, because it says that you owe $100. And you actually owe $100, okay, when you dispute something you want to look for the reason it does not belong on there, it is as simple as that. If you cannot find something that's completely different, you're looking at the wrong site. Using the validation of debt method: So when you're disputing using the validation of debt method, please don't forget that you also need to dispute with the Bureau's if you don't, it's going to be much longer and you're not going to get the results that you want. And make sure that you're not only disputing with the Bureau's you also need to dispute with the collection agencies. *I may receive compensation for external links, such as IdentityIQ