Advanced Credit Repair Tactics | How to Dispute Negative Accounts on a ...

🔮 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: So what I did was I changed the flow chart to be more detailed here. So let's go over this. All right, so round one, if we're starting with the higher gear, we're going to look at the date of last activity. Now, please remember this is actually just an example. You do not need to start with date of last activity. That's just very simply where I find the biggest ammo because if we go and look at me go through my presentation to go find it if we go and look at it. Inverted pyramid. We're going to find that the biggest ammo for Rounds. 1, through 5 are going to be date last active date Last payment notice of dispute charge-offs monthly pays collections, Lates & past dues. And then status update and date, reported. Right? Your backups for Rounds four and on are going to be balance payment history, high balance, past due method of verification, transferred or sold, and then for collections the limit and then, of course, we have to have a last resort open date, type terms terms. Comment status details, such as account limit and account number. All right, you really only want to use this? Like I said as a last resort, so keeping that in mind, this is just an example date. Last active. If you want to different resources, you can go to extra credit Suite, to.com, slash hierarchy or / dispute - reasons for more information on this. Okay, so Starting with round 1, you're going to have a couple different responses. All right, these are like the only responses that you're going to get from them verified. No response. I don't understand, you know, the nature of your dispute or some other stall tactic or scare tactic and then of course, you need a tactic to come after them with all right. So we really only have a couple of things that they can come back with right. Once again verify correct data, updated information, you know, stuff like that. They don't respond at all or theirs. Want is a stall tactic or stair tactics such? As I don't understand, we won't reinvestigate contact the Creditor. We already verified. This we think you're working with a, you know, credit repair organization or something like that. So let's go over this one by one. Okay. So with round one example, starting with data less, active. Let's say that they come back and say that it's verified. You can now dispute using a new dispute reason going down the hierarchy. So if you're using date last active, Were we want to go and choose something else date of last payment? Okay. So now we're on Date of last payment. Let's say that they come back and say that it is verified again on the next one. You're going to go down one more payment history. Okay. So let's say that all three bureaus, reporting different information, such as Equifax reports that you were late for March of like five years ago, but, you know, Trans Union reports that was actually April or February. You can use this to remove the entire account. So if you're disputing a charge off and you know, the information is completely consistent from report to report the data lies activity of the data as payment. We look at the payment history, the payment history is there for a reason? Okay. Everything has to be consistent. Everything has to be the same. Okay, let's go down one more. So the status update or deal us reported. You're going to find this information on identity IQ. I will put the link to this, where you're finding this. Video. Okay. So so that's the only site that I have my clients use. Now, when it says verified, we do it again date of first delinquency. So that's different than just disputing the payment history. When you're disputing the payment history. You're going to find an accuracies in the payment history itself.