Avoid These Incorrect Credit Dispute Reasons

🔮 Today we're going over correct vs incorrect credit dispute reasons when writing dispute letters to the credit bureaus. Access yours for free at https://lynxshort.com/avoid-reasons. Head to https://my740.com for a free credit sweep consultation. Many consumers make the mistake of leaving out the facts directly from the credit report, even though tye are irrefutable, and instead send out credit dispute letter templates to the credit bureaus that make no sense and argue laws that have nothing to do with the dispute. Watch this video to learn the real reasons to dispute credit report. The right way to dispute is to send out a letter with dispute reasons that are simple, use the AJERO formula and include the dates and amounts to suppor the claim. This works for removing charge offs and you can use these same guidelines if you'd like to learn how to remove closed accounts from credit report. You may now check out my video call options including a credit report review and "Ask Me How" services at https://superpeer.com/askkristin 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:

0:00 Hey, what's up? Welcome back to my channel. Today we're going over correct versus incorrect dispute, reason examples, and you specifically asked for me to create this for you. So thanks for that request. All right, make sure to smash that like so that I know exactly what type of content that you want for me to create for you and subscribe if you haven't done so. So let's get started. If you take a look over on the incorrect side, these are the types of dispute reasons you do not want to be using now if you are I do specifically recommend that you stop right now and start inserting those facts right. So we're gonna go over Correct. I'll give you the incorrect example. And we'll move on to the next one. All right. So first one, removed this late payment on April 2020. Because my payment was not late update to paid on time never late for an accuracy. The incorrect version of this is the late payment history is wrong. Now, I do hope that you can see the difference between the two of these. If you don't put it down in the comments. And let me know that you need a little bit more clarification as to why you don't want to use that incorrect dispute reason. Alright. And I also want for you to use the comment section below to let me know what else you are specifically struggling with that I can create content for right, stop reporting this collection because it's unknown. The incorrect way is section 609 states that you are required to send me a contract with my wet signature, otherwise, that account needs to be removed. Number three, update this account to reflect paid on time never late for an accuracy. This is not a collection and has has been paid consistently each month. The incorrect version of this is update for incorrect reporting. Now, let's pause there really, really quick if you want to access this so that you can go over it at your own pace, use the link down in the description, it's 100% free, and you can go and print it out or store it in your vault or whatever you'd like to do. All right, remove the inaccurate late payment history showing 90 days late for the month of April 2020 Because there are no late payments prior to this such as 30 or 60. Update to paid as agreed. The incorrect version of this is the FCRA requires that you report the late payment history accurately. And if not, you're required under 1681. To correct the account to report that I paid on time failing this, I will have no other choice other than to pursue legal action. Now why are we doing it this way? Well, we have the action, the reason the justifier and the outcome in the element and that is using the Jarrell formula they do have a formula is something that I coined, and that has allowed me using this formula to get over 50,000 deletions in the past four years or so. So does this work? Yes, it's a science. Delete this account for violation of Section 623. for failure to enter the required notice of dispute within 30 days that is the correct one. The incorrect one would be section 623 stipulates that you must enter the required notice of dispute within 30 days of the date that you received my first dispute letter. Failing this you are liable for violation pursuant to section and I will seek legal remedies if you do not immediately delete this account. Why do we not want to use that? Well, it doesn't sound like a regular person wrote it and you just need to tell them that it's a violation and they need to remove it all right. Delete this account because each Bureau reports a different date last paid experience date, Equifax date and TransUnion date. the incorrect way would be date last active is incorrect delete account. This account needs to be removed from my credit report because first dated delinquency reports as April 2020, which is incorrect. The incorrect version of this is first date of delinquency is wrong. Second to last. Remove the inaccurate late payment history between April 2020 And June 2020. Because each Bureau reports different information. Experience reports. April and June late Equifax reports mainly TransUnion reports on time, all three months, and correct version of this. All three bureaus have late payment history wrong remove these late payments. As you can see, there are no facts that support your argument. And this is why it is incorrect. You have to remember that when you're using the general formula, you have to plug in the facts to support your reason. All right. Now the last one is removed this inquiry because of false reporting, it does not meet one of the requirements for the reporting of an inquiry and you can even throw in the section for this. Alright, the incorrect version of this is this inquiry must be removed for violation due to the fact that I did not receive a firm offer of credit which is the only reason for an inquiry to be reported in consideration of the fact that it is not for employment insurance, court order etc. You must immediately delete this from a credit report otherwise it is considered false reporting. 4:36 Now if you want to learn more about factual disputes, and how to remove negative items from your credit report, and even closed accounts from your credit report, check out the other 800 videos that I have right here on my channel going back to 2015. And again, thanks for watching. Have a great day and I will see you next time Oh as an afterthought. If you're struggling to get results or you want to see if a professional credit suite can help you fix your credit. Head over to my 749 come today to schedule a call with me and I will see if I can help I'll see you next time Transcribed by https://otter.ai