How to Repair Your Credit in 5 Easy Steps

🔮 Today we're going over how to repair your credit in 5 easy steps and you can access the presentation at https://lynxshort.com/5easysteps. If you would like to see if I can help fix your credit head to https://my740.com We are going over each of the 5 steps, starting with pulling your credit report. This can be used for removing charge offs, which dispute letter type to use, how to fix bad credit (whether it should be dispute letter templates or factual disputes), removing late payments and even to help you with how to remove closed accounts from credit report. You can access the "how accounts should report" video referenced at https://lynxshort.com/should-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 talking about how to repair your credit in just five steps. And I'm also going to share with you what you should avoid. Now make sure that you hit that like so that you can tell YouTube to share this video with other people and it also tells me that you enjoy my content. And if you haven't done so, make sure to subscribe so that you are notified. Gotta smash that notification bell as well. Where when other videos come out, alright, so we're gonna go over our credit repair steps first, and then types of accounts, what you should be using. Alright, so let's start over here on the right hand side credit repair steps first, and this should be pretty obvious, pull your credit report using either identity IQ or smart credit, it's going to give you all the different elements and inaccuracies and violations that you need to factually dispute. And a bit of a caveat here there is a difference between identity IQ and smart credit which you can actually find the links for both of these they are affiliate links down in the description smart credit shows more payment history than identity IQ which only goes back 24 months Alright, so obviously that is a yes, pull your credit report with either of these all three bureaus and your scores number to identify all derogatory accounts, okay, whether it's a late payment collection charges repo, Alright, number three, identify five inaccuracies most likely to remove an account and this is actually going to be per account. And if you don't know how to do that, I do have a video which I'm going to link down in the description on what an account should look like, so that you can learn this information. Alright, step number four, write a dispute reason per each account using the most likely to delete this account. Alright, step number five, write a simple paragraph, why you are sending the letter. It's really as simple as that, obviously, you need to put this all into a simple letter with your personal information at the top, and we're going to send it out to the bureaus. Now two things that you shouldn't be doing include a ton of laws and say it was identity theft, or that they don't belong to you. All right. And I am going to actually fix that typo before I post this video. Alright, let's go over here on the left hand side, types of accounts, collections charge offs of bankruptcies and public records and late payments. Alright, so for collections, you should be using factual disputes. You should not be using regular templates like a 609 or 1681, or a 611, or a 623. For charge offs, same thing, factual disputes, bankruptcies and public records, you have enough information to factually dispute okay, go and check out my videos on public records. Alright, late payments, actually dispute Gee, everything should be a factual dispute. Now, I'm including one additional thing here a dispute tracker. Okay. So for this, on the left hand side, it's going to give you a prompt, and it's going to tell you what to do. If you answered yes, that's gonna tell you what to do. If you answered no, all right, and you can actually drag this x down into in progress like this. Okay, so let's start with criteria. So I've already submitted a dispute letter to the credit bureaus using factual disputes. Yes. Great. Wait 30 days pull a new report and identify the best dispute reason? If not, that's okay. Follow the steps on page one, two. I've received a response from the bureaus. Yes, great. Pull a new report after 30 days from the first letter being sent out and create a new factual dispute, or no, it's not about what they do. And this is the very, very important part. It's about what we do everything that you could possibly need is on the credit report itself. All right. Last one, I'm not sure what to do next. That's totally fine. Follow the steps on page one, wait 30 days, pull a new report and send out a factual dispute? Or if you answered no, that's fine. I'm glad that you've been studying, send out your next round after 30 days. All right. So this was of course how to repair your credit in just five steps. And if you need help with your credit, head over to my seven forty.com for a free consultation to see if I can do a credit sweep for you and I will see you next time. Transcribed by https://otter.ai