How to Remove 7 Types of Accounts From Your Credit Report

🔮 Today we're going over how to remove 7 different account types from a credit report, including collections, charge-offs, inquiries, bankruptcies and debt buyer collections! Did you know you can find all offers at https://lynxshort.com/offers? You can also check out our flagship credit repair software at https://lynxshort.com/buy-suite SUBSCRIBE TO MY CHANNEL 🔮 https://www.youtube.com/c/Ask-Kristin?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 SmartCredit https://smartcredit.com/VargasConsulting/ or 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: I'm going to show you specifically how to remove negative items from your credit report. And I'm talking about everything from collections to charge offs to repossessions, to foreclosures, anything that is on your credit report that you need to get removed. We're going to look at that right now. Okay, so I'm going to make this a little bit bigger. And we're going to go start with collections. Okay. And I'm recording my screen on my phone. So I apologize if it's a little bit blurry, but we're gonna go over these together. Alright. So the very first thing that you can say is, this account is unknown. Why would you do that? Well, let me explain it to you. You want to place the burden of proof on the Bureau's in the collectors? And you don't want to say, well, I know what this collection is? No, you want to say I don't know what this is, give me the proof, give me my signature, give me something that verifies this account. So remove for unknown collection. And this is going to be for third party collections, this is going to be for your medical accounts, this is going to be for your utility accounts, apartments, so on and so forth, do not use this for portfolio recovery, Midland, so on and so forth, you understand and know the difference, at least I'm assuming that you do between a debt buyer and a third party collection. Okay, you know, your next round can say, How did you verify this? Okay, I notified you that this account is unknown. How did you verify this without documentation? Because if you had the documentation, you would have given it to me right? Now, you can go method of collection verification, what was the method of your verification, right? Very straightforward proof of collection validation, that would be the next one, furnish immediately the signed contract or remove this account. So as you can see, these are very straightforward, but these are the dispute reasons and the way that you can progress. That's why it's called dispute progression. from one thing to another note, if you don't have collections, if you have late payments, you have bankruptcies, whatever. Stay here with me, we are going to get to that okay. Now, you can see that the collector did not verify right, the collector did not validate, they did not send anything, because if they had, you would have furnished the documentation again, then possibly you could use section 609. And if it doesn't come off by then now you need to go factual what is factual? Well, that's a great question, you can use the information directly from your credit report, the dates, the balances, so on and so forth to remove the negative item, right, so in the event of a collection, you can go after DT less active. Now let's move over to charge offs. And I'm gonna, sorry, my hand just went in front of here, we're gonna do a charge off. So date of last activity, you need to remove this account, because there's three different dates under the date last active remove immediately, your next round is how is this account accurate when the date of last activity shows three different dates, and I believe that was supposed to be date of last payment, okay, because we start with normally at the top of the pyramid, we're gonna start on that date, less active, and then go to date, less pain. Now you can go method of verification. Now your reason is not going to be the method of verification, your letter is going to see a method of verification, and then your actual reason is going to be factual. Now, your next one, proof of validation, you can possibly use this but you're gonna use this in your actual paragraph. And then in the dispute reason, you're going to use factual so failure to enter the required notice of dispute. You know, different deeds, different balances the payment history, keep known over and over and over, right, that's the way that we do this.