Credit Sweep Dispute Letter Tactics Worksheet

🔮 We're going over the credit sweep dispute letter tactics worksheet, which also includes dispute reasons. You can access it for free at https://lynxshort.com/ptp6p, under "free offers". You may also schedule a free consultation for a credit sweep at https://my740.com. ✨ 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 You have negative items, and I have things to teach you on how to remove them. So today we're going over the dispute, reason and tactic worksheet. Now you can pause this video, use this link that's in the description to pull this up and access this yourself so that we can go over it together. Now, when you pause this video and head over to this link, you're just going to use under free offers dispute, reason and tactics worksheet, you're just going to click on it, it's going to pull this up, fill it out, and it's automatically going to redirect you as well as email you the link. Alright, so just you know right next to it, you can click on this link that says free credit sweep consultation to schedule a call with me to see if I can do a credit sweep for you, instead of you having to figure all of this out yourself. So let's get right to this after you smash that like and subscribe if you haven't done so. Alright, so we're gonna start with number one. But when you pull this up, you will see that the answers are in this little box here at the bottom. But for the purposes of recording, in your attention span, I filled this out for you. Alright, so number one, delete this collection, because this account reports a past due, which is a violation. Now, this is actually a violation of the FCRA. And if you use common sense, it's going to make sense. It's a collection, it's past due, it's already late, it doesn't belong on there. Number two, remove the 90 day late payment on for 2020. Because 320 20 shows Okay, and no prior 30 or 60 day late payments report update to paid on time, never late for inaccuracy. So, you're going to see this all the time with Navient. And now net and Sallie Mae. And this is actually how you're going to remove those because, I mean, obviously this means that the two prior on time paying on time payments are actually inaccurate. Okay. Number three, delete this inquiry because it does not have a permissible purpose for reporting, I was not given a firm offer of credit. And it is neither for employment, court order or insurance. If there's no firm offer of credit, it doesn't belong on your credit report. Very simple. That is how you remove inquiries. Number four, delete this account for violation because no notice of dispute was entered by the 30th day after you received my first dispute. Now, section 623 states that it must be there by the 31st day after they receive your first dispute otherwise, it is a violation. And this is actually the key to the credit sweep in the validation of debt method. Okay, on letter three. Number five, I was not late on 516 19. And the payment history needs to be updated to paid on time never late for an accuracy unless you can furnish a bank statement belonging to this creditor proving I did not pay on time. Why are we asking for a bank statement? Well, I'm glad that you asked that question. Here's the deal. Anything else is just hearsay. Right? That is why they have to prove it put that burden of proof on them. Number six deal unless reported did not change which means you did not investigate otherwise, this date would have been updated to the date that you verified the account. Yes, when they go in, they verify they're supposed to update the date last reported the status update date. And if they don't, obviously means that they didn't do anything right. Number seven. This account was reached it needs to be deleted for violation because the other two bureaus report the date last active as 215 18 and you've changed the date to 316 2021. What does that mean? It means that the older dates are the correct ones and that they are now in violation. The date last page shows 420 But I've actually never paid on this account and it's been charged off for five years and this date is wrong delete for inaccuracy. Number nine best way to remove a medical collection is to use the validation of debt method. Number 10. If a late payment is disputed directly with the creditor using a goodwill letter, you are illegally verifying the late payment and will have a very difficult time getting it removed with the Bureau's when the goodwill letter does not work because you're first saying hey, I admit to being late, then you're saying hey, prove I was late.