Credit Repair Dispute Letter Reasons: Unverified vs. Factual (Replay)

Which dispute reason do you think results in faster deletions? Factual disputes! Which one gets taken seriously by the bureaus? Factual disputes! What's a factual dispute? Check out the video to learn what it is and how it works. Stop the template madness and get the results you need on your dispute letters today! 🔮 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: Hey, it's Kristin with Expert Credit Sweeps. I have a very, very important video for you today. If you're willing to watch any of my videos or any of the playlist, this one you really, really, really need to pay attention to, because I try to simplify things, but you can understand why I say what I say. All right. So we are looking at factual based disputes, right? The way that I do it versus the unverified dispute reasons. And yes, I said, I'm going to show you why I say it like that. All right. So basically this is why it doesn't work. So when you send something that says, you know, um, let's just say that it says know pursuant to section 1681. I need for you to remove these negative items because they are unverified. And then you list them all count number one. And then all of the unverified, unverified, unverified unverified. all they have to do at the credit bureaus. Uh, they're verified. And guess what? The battle is over, you just lost. You didn't even go 32 seconds in the octagon and you suck. All right. That's what happens. Okay. So the way that you combat that is by using factual based disputes, this means that you take the information directly from your credit report and you stick it into your dispute letter and say, this is why you need to remove this account. Right? So a factual dispute is one that leaves no room for the bureaus to say, because it's based on facts, facts, facts, right? You don't want to put like unicorns in there and whatever you don't want to say, oh, well, pursuant to a, you know, that one lawn, you know, this entire letter, you know, it's my second attempt. My third attempt, I'm going to Sue you because nobody cares about that stuff. Like nobody cares, dude. So this is why, or this is how factual based disputes work. Okay. So let's say you're looking at your credit report and there are three different dates of last activities listed, right? Why would you be three? Trust me. It happens all the time. Check out identity IQ. All right. This is a very, very, very, very, very strong reason. Okay. Please remove this account because there are three dates listed and you can list them there under date of last activity. Now I will say that if one of those dates is like substantially newer and you can also say reengaged and remove it, right? So remove the violations count has been reached. Show the dates, read the dates, whatever we will account. Now let's also say that you have an account that has a monthly payment on a charge off. I don't care about closed accounts. Let's just say that it's a charge off. Okay. There's a lot of you deal with charge offs. And a lot of my clients do a charge off. So your dispute reason would be, there should be no monthly payment on this account because it is charged off. There should be monthly payment, remove the account. Now the third thing is late payments or past you on a collection. I will tell you, this is the playlist about FCCPA and FCRA violations, and you can use it. All right. So you're going to say it's a violation to report this account because it has late payments and or past you remove account. It's a late, okay. Moving on. No. What if you say, well, I'm just stating the law. You know what I mean? But I'm like telling them they're in violation on blah, blah, blah, dude, you didn't just like, you're not gonna teach them anything. You didn't just wake up and be like, well, um, you know, today I'm going to inform the credit bureaus that they're in violation of this and that, you know, um, they need to remove it because, well, you know, Congress states that it's, you know, the bureaus have like a grave responsibility to, as a ascertain that the bureau, nobody cares about that the bureaus don't care about. I don't care about it. You don't care about it, right? It's there to use as reference or to understand why something is the way that it is or why it shouldn't be the way that it is. Okay. It's not there for you to write like a 900 page freaking letter. Like if I can flick through your letter, it's too long.