How to Dispute When Credit Bureaus Verify as Accurate

Today we're talking about how to dispute after round 1 when the credit bureaus verify your dispute as accurate. We're going over the strategy dispute funnel so that you can get "unstuck" and know what to say or what tactics to try next to remove late payments, collections, charge-offs, public records (like bankruptcy) and inquiries. 🔮 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: If you have collections foreclosures, repossessions, late payments, public records And inquiries then this is video that you want to watch because we are going to get you unstuck so that you know, how to dispute past round one, because everybody knows how to write round one, right? But what happens, when the bureau's come back and say it's verified. What are you going to do after that? Well, let's start with how to analyze your credit report. So that, you know what, you can say on that next round. Now, we are starting with Collections and in between each of these disputes, you're going to Wait 30 days. Okay. So on the left over here starting with unknown that's bureau's going down and then right next to it where it says VOD one that is going to be the collector disputes going down. All right. So on run with the bureau's you can say this collection is unknown. And again, we're talking about third-party. So this is like medical utility stuff like that car insurance, whatever. Okay, and sometimes it may also be Apartments. So for the bureau's you're going to tell them, hey, this is unknown, put the burden of proof on them. That is their job. It is not your job to do their job for them. Okay. For the collectors, you can use validation of debt round one. Alright. Now, the next is be with the bureau's collectors. See any collector, didn't validate for the collectors going to be validation of debt round two, then you can go over to method of verification on the bureau side. And when I say method of verification, you're not sending a method of verification template letter. No, no. No, you are. In that very first paragraph asking them. How the heck did they validate this debt? Because if they had, they would have the documentation to furnish to you. And then this wouldn't have been a problem. If you have the documentation, I wouldn't be asking this, right? So collector, validation of debt round 3. Now, you're going into factual if it is still on there. Now, you're going factual late payments past, you date last active date last paid so on and so forth, right? Those are two totally different rounds. And then, of course, we have validation of debt for for The Collector and this goes into the cfpb. So you're going to land on cfpb, after you have exhausted your remedies for factual-based disputes right now. Let me just put a note there because I'm seeing so many people jumping over to the cfpb. When they haven't exhausted your remedies. Nobody is going to take you Seriously. If you haven't done your job, first, your job is to dispute everything disputable on your credit report before you ever bother them. Okay, unless you're going to go directly over into suing because you have this huge violation or whatever. They're not going to pay attention to you. If you want them to pay attention to you. If you want to get this off your credit report permanently before you go to the cfpb, make sure that you have all your rounds of disputes all of your responses or lack thereof. All of the letters that you've sent out all the violation logs and everything that you need to prove your case. Now, going back to this. Let's jump over to charge off. So charge offs are extremely difficult to remove whoever says that they're easy is just trying to get you to sign up and buy something. Okay, they're not being real. All right, if this were simple and easy than the conversation would be how much you trying to remove from your credit report and what you're trying to get because they want a percentage of it on the back end. Like I don't know ten thousand dollars to remove 50,000 or 15,000 20,000 to remove 50,000. Guess what people would pay that all day.