POWER Dispute Strategies | Remove Hard Accounts From a Credit Report

Today we're going over power strategies for removing hard accounts from a credit report like charge-offs, student loans, late payments and collections and I'm going to show you what to look for on the credit report itself to get the accounts removed. If you would like to check out the mini student loan course, head to https://vargasrevolution.vipmembervault.com/products/courses/view/1069767. You can also schedule a call with me for a free consultation at https://my740.com, or check out the Live Letter Automation App at https://liveletter.ask-kristin.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 Video notes: Most consumers think there's only a couple different ways to go after accounts. And today I'm going to prove to you that that is just not so, so we're going to look at a bunch of different accounts on a credit report that need to remove including Student Loans Collections and charge-offs. And this is navient, which is a student loan, and they are notorious for doing one thing, and I'm going to point it out and this is the way that I not only remove the entire account, but remove the late payments. And you'll see this, if you take my mini course, on how to remove an update student loan accounts. If This Were reported correctly, but they reported this way because they don't report you as late until you're 90 days late. And even if it doesn't say that, this means Octonauts using August and September are reported and accurately. So you can use this to remove this account entirely. So what you would do is you would say that this account needs to be removed because Was August and September 2020 or reported in accurately, and that October cannot report as just 90 days late without prior late payments. Now, furthermore, you can go way into the other parts of this payment history. Look, we have a hundred twenty a hundred and eighty a hundred. Eighty a hundred fifty. This is all over the place. All right? Choose a date, dispute it and you'll get it removed. Now, let's look at the other parts of this account. Okay, so we have monthly payment. That's fine. That's fine. We have opened a, I don't really care about them. We have balance pretty much the same. Yep. So number of months, so you don't have a lot to work with on this account except for the late payment history. And I promise you, I promise you, if you use this and you use it correctly and you use it, consistently with student loans and you can get these removed and guess what? This client has a ton of them. They have a ton of them. All right. So what you can do is you can have you can first go after the late payments to try to get them updated but you're not going to update this payment status without first going after, the whole balance, Trifecta thing here. The problem is, is that this account ends in late payments. There are no further payment, you know, updated payments on here, but it's missing because the balance is zero, this client did pay this account at some point. So that means that we are missing some payment history, right here. And it says date of the last payment. Was 9 20 2017. However, where do you see that? That. Where do you see that on here? Do you see 9 20 2017 as having been paid? I don't. So, what's the real deal behind us account? Then what you're going to want to do is go after this payment history here. Mention that these are all over the place, you can use it as an image if you want to, but I would probably just State. We are not using regular credit repair, when you're not using templates. We are not stating a bunch of laws. We are taking the information directly off the credit report, and that is why I'm showing you this stuff. All right. So let's continue Verizon. Verizon is very difficult and must be disputed a specific way. All right, so we don't have any payment history look. Here, there's literally nothing in the payment history and you are going to find that a lot with Verizon. So the very first thing that you're going to want to do is go after the date last active. Then if that doesn't work, even though we're dealing with the same date. You're going to go after date last payment. All right. Now, another thing is that this account was disputed and yet does not. Have a notice of dispute which is required pursuant to section 623 within 30 days of the date that they received the first dispute, you can use that to get that account removed. All right, so there's so many things on this account right here. Look paid derogatory. How can it be? Literally two totally different things. It doesn't make any sense. Use this to your advantage.