Skip to main content

41 FCRA Violations & Challenges for SUPER Fast Credit Report Deletions


(edited from live). Today we're going over how to use these 41 fcra violations & challenges to get super fast credit report deletions. You can find the full presentation https://view.genial.ly/60a0b59f8771eb0d4df2deba and if you'd like to get a free consultation for a credit sweep head to https://my740.com. Other resources below: Validation of debt dispute letter series: https://sendmeto.co/vod The Ultimate Financial Planner: https://sendmeto.co/planners Get my BIGGEST secrets: https://getmysecrets.ask-kristin.com Join this channel to get access to perks: https://www.youtube.com/channel/UCG_gSTE_8amNdUBlxJRmVHQ/join Check out the store: https://www.youtube.com/c/AskKristin/store 🔮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: What's up? What's up? What's up 41 challenges and violations of the FCRA. And I'm also giving you 19 different elements that you can use to remove any negative item from your credit report and I'm sharing my screen with you. And here we go. 41 challenges and violations of the FCRA. Okay, so you shouldn't be doing anything other than factually disputing and I'm going to give you a bunch of different things that you can use to factually dispute to get these things off your credit report. Why? Well, because vague general disputes can get results, but But what they normally are added back to your credit report quickly. And when we do that, now, you're gonna have a significantly more difficult time to remove these. And guess what, it's already harder, okay, like now is more difficult than it was prior to the pandemic. And if you're not doing it the right way, these things are just not going to come off. So listen to the words that are coming out of my mouth because men lie, women lie numbers don't lie. And over the last four years, I have 50,000 deletions. Alright, speaking of which, if you need help fixing your credit, head over to my seven forty.com schedule a call with me and I will see if I can help. Another thing that you don't want to do is question the existence of an account. Just because you're not asking the Bureau's for anything, we are telling them hey, remove this because of this or that because these factual you know errors because he these inaccuracies because of these violations. Alright, so when you are constructing your actual dispute letters to the credit bureaus, remember that you want to keep it simple, straight to the point and factual. Don't ask them to do anything. Tell them to do it. All right. So again, we're jumping through because I have so many things that I need to show you. So here we go checking for inaccuracies. Is the account number correct? Is the date that the account was established? Correct? Is the high balance correct? Is the credit limit Correct? Is are the terms Correct? Frequency of payments? Reporting accurately? Status? Correct? Balance? Correct? past due? Correct? These are the things that you want to be looking for another bunch of them is going to be should there be past due balance? If it's a collection? No. is the date of last payment? Correct? Is the payment amount Correct? First delinquency or data first delinquency or date of last activity? Isn't reflecting as a charge of incorrectly? Is the charge off amount incorrect? Is the date closed? Correct? type of account correct responsibility section correct, such as individual or such as authorized user, right? You should be looking at every single part of these so that you can determine whether you have inaccuracies, or even whether you have violations, and we have to what's the last one

Comments

Post a Comment

Popular posts from this blog

Tips for my brokers; Craigslist, Facebook, websites, advertising and more!

I work 90% with brokers, 10% with clients, and I actually prefer to work with brokers, as I have contact with only one person instead of 300 clients. So considering there are 528 of you brokers, I figured that I would post some tips and tricks for my brokers. I will break it down into sections to make it easier reading, and if you have any questions, comments or suggestions, let me know! Advertising Advertising can be a serious pain in the butt, and it is utterly necessary for a business like this one. I will give you a couple of suggestions that work for me. I am mostly just word of mouth now and do not need to advertise, as I have thousands of clients, but there are days when I do put my business out there again for new clients. Craigslist It is quite difficult to advertise with CL now, but there are tons of ways to get around being flagged or to prevent it from happening. CL is the 4th most visited site in the  world , so that right there should tell you that you need...
Post a Comment
Read more

3 Resons why you should wait to apply for new credit

Applying for new credit before all derogatory items are deleted: My advice to my clients is always the same: wait until you're done with your credit repair or credit sweep program, but have a strategy to move forward from there. Here's a few reasons why: #1 you may be denied if you still have 1-2 items remaning and will end up with new inquiries that will drop your score #2 it may hinder the process of removing the last few items and can add 1-3 months to the timeframe #3 you may be approved with a very low limit and would have to wait 3-5 months prior to requesting an increase. In comparison, you can wait til everything has been completed and obtain a higher limit right off the bat. Here's a real-life example: I have a client would only has 4/86 negative items remaining and he wanted to move forward with his mortgage. I advised him to wait because (see #1) it would add inquiries and he may not be approved. He'd mentioned tha...
Post a Comment
Read more

Live Posts on Craigslist, Changing IPs and More!

Craigslist ad posting- live posts, changing IPs, tips on writing and more! Tonight, I'm going to post something short and to the point about posting on Craigslist. There are a few ways to beat getting flagged and ghosted. Have you ever noticed that your ads do not go live for 20 minutes? They have to pass through CL's algorithms first. Here are a few ways to combat this: Write different ads- For each account, I post 1 ad per day. Each body is different. I change it every 3 days. Use different titles. Each of my ads have unique titles. Post 1 ad per day per account. If it allows you to post 3 or 5, ONLY post 1. This will help in keeping the live/flagged ratio in your favor. This is per section. For example, I only post in services => financial.  Craigslist only wants local posts, so change your IP address according to the location you are posting in. See the images below. I use HMA software (HideMyAss)..  Clear your browsing history after each post- histor...
Post a Comment
Read more