Top 5 Collection Tactics | 26 FDCPA & FCRA Violations

🔮 Today we're going over my top 5 debt collection tactics, as well as 26 FDCPA and FCRA violations. You can access the full course at https://ask-kristin.samcart.com/products/top-collection-tactics. We use these on medical collections, utility collections, car insurance collections, cell phone collections, and some apartment evictions and collections using these tactics, in addition to the factual credit sweep process. ✨ 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 OR see a full 7 year payment history at https://smartcredit.com/vargasconsulting/ 🧙‍♀️ 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 on your credit report, then this is the video that you most definitely want to watch to the end because we're going over top debt collection tactics that I use everyday to remove collections from my clients credit reports. Now, the reason that you want to stay to the end of this video is because we're going over the debt collector violations checklist using the FDCPA. And I'm also going to introduce you to the KO method steps to remove collections from your credit report. And when you get to the end, you're also going to find the full validation of debt package. And the package includes the actual collection letters that go out to the collectors and the letters that go to the Bureau's. That is a FDCPA violation transferring or selling an account to another debt collector without reporting the transfer or zero bounces to the credit bureaus, right? They're actually supposed to remove that initial collection from your credit report when they do that that's a FCRA violation. Reporting a new duplicate account after receiving notice a dispute on the old account FCRA. Let's go over that one more time, reporting a new duplicate account after receiving notice a dispute on the old account. In other words, they're putting a new one on there just to screw with you. misrepresenting the date of status or last activity. Hmm, doesn't that sound a little bit familiar G factual based disputes to reach the account for any reason, such as attempting to modify the credit bureau statute limitations on reporting, which is normally seven to 10 years attempting to modify your state statute limitations for a lawsuit generally between four and eight years on open accounts. And let's just make this a little bit bigger if we can, right. So there we go. That's a little bit better. Attempting to increase or damaging coerce payment by making the debt appear newer in age these are all FCRA violations, failing to report a disputed account as disputed to the credit bureaus, failing to validate the debt in question while continuing further collection activity. And guess what? Credit Bureau reporting his collection activity Hello, keep that one in mind. FDCPA. No, again, I'm going to jump through these but you can use the link in the description to go and check this out your self Okay, every single word on this I put on here so that you can use to remove your collections from your credit report verifying an account with the credit bureaus before you're quiet excuse me, your request for validation has been completed, that's an F C R A violation. Now, you want to be careful with that one because sometimes you're giving them no other option other than to take you to court. Okay, of course, you know, calling before and after a specific time period, failing to disclose the caller's identity, and use of violence and blah, blah, blah. Some of these are a little bit straightforward and boring, but communicating with the consumer when the debt collector knows that the consumer is being represented by an attorney, and calling your employer using abusive language failure of the debt collector to identify himself or herself by name. And let's go and jump down to the last one reporting a late payment when a collection account is closed ended and cannot be late. You hear me say all the time, a collection is late. By default, a collection is past due by default, this is a FCRA violation. All right, my friend, you have to look into the law understand a lot and know how to use it. So let's go into valid validation.