Credit Repair Dispute Letter Reason Bombs - DON'T Use These! | Credit Sw...

I'm going to show you what you should NOT do when using factual-based disputes and what your dispute reasons SHOULD look like! I've taken these examples DIRECTLY from client shares, chats and comments, so pay attention! If you want to remove virtually any negative item from your credit report, you need to choose the correct dispute reason, dispute reason flow and start at the top of the list. This means that you're coming out with your BEST ammo against the credit bureaus and not just disputing for the sake of disputing. Need some credit repair tips? Watch now! ⭐️ Join my Discord channel to access exclusive content - this also allows me to invest more time into making free content here on youtube! Check it out at https://launchpass.com/kristin-s-exclusive-content/shaker ✨ If you would like to learn more about using the factual dispute method for credit sweeps, head over to https://vault.my740.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 🧙‍♀️ 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: don't owe $1,500 Delete this account. Okay, so pausing right there, you do not want to use a balance reason unless it is factual. Okay, so if you actually owe $1,500 Don't use this. Alright, so moving on round two, how did you verify this account is accurate? When I told you that I don't owe $1,500? Where's my sign contract pursuant to section 609? Because you don't have it, you need to delete this. Alright, so regarding Section 609, it literally states that they're required to actually provide the application or paperwork that was filled out when this account was opened. Okay, so the key word here is application not contract, there's no contract when you know, you go and, you know, go to Capital One comm and apply for an account, okay, you're just checking some boxes, putting some personal information there and agreeing to their terms and conditions. Okay. So this is not the way to dispute this section 609 has nothing to do with charge offs, or credit cards or loans or anything, okay? The only way that you would want to use this is if you have an unverified account, such as medical, or, you know, some other type of collection, okay, so don't use it on charge offs. Alright, so round three, you need to remove this because the open data shown with three different dates on my credit report, and this is an inaccuracy in the FCRA requires my account to be inaccurate. Do nobody cares about the open data on the account, okay, it's not the date of last activity is not the date last reported, it's not the date of last payment, and it has no bearing on the account or its, or its accuracy, okay? Or the validity. So, don't bother with the open date around for you are still showing a balance because this was written off, there should be no balance, this is no violation, delete this account. Just because an account is written off, it does not mean that there should be a zero balance. If you didn't pay it, there should be a balance, okay? So what a write off means is that you did not pay you robbed them, and they had to claim as no income, right? And then now they can actually sell it for you know, whatever the heck they want you to whoever the heck they want you and then they can actually collect the 400% Okay, so please get the facts right before you dispute around five you have this account listed as a collection but it's a charge off and because of this it needs to be removed. So once again, we're using the wrong dispute reasons and we're disputing the wrong thing. Nobody gives a crap about the terms Okay, and it's not going to get your account deleted I have never in over 10 years removed an account with this. Okay, moving on round six and we're just about to go to the correct way to do this. Okay, so round six, you didn't respond to any of my disputes and this is a stop by silence This means if I were wrong, you would have said so remove No, dude. Not the way to do it. Okay, so just because they didn't respond to you doesn't mean it wasn't you know, investigated and all that kind of stuff. So don't use it. Now, I will tell you that there is a sample by silence dispute letter, but it is for collections okay. So this is the correct way to do it using the correct flow in the hierarchy. So starting with round one, this account shows three different dates last active experience to 2013, Equifax, 520 12 and TransUnion 520 17. Additionally, this account has been reached prior to my first dispute remove this account.