CREDIT CARDS FOR KIDS | BUILD KIDS CREDIT EARLY



View counts: 678

Video duration: 00:08:37

Likes: 94

👩🏽‍💼[GET MY CREDIT DISPUTE TEMPLATES HERE:]

👩🏾‍💻[SIGN UP FOR THE LIVE CREDIT ACADEMY]

Hope you guys enjoy this!
👉 Subscribe now:

Always consult a financial advisor or attorney for the most accurate information that pertains to your credit situation! Always pay your debts BEFORE they hit your credit. Individual results will vary, based on differences in credit reports, contract terms, state laws and statute of limitations. I make no guarantees that any method will work for you. Trust, but verify, and do your homework!

FIRST: pull your credit report & identify what is lowering your score.
Navigate to Experian or PrivacyGuard.com (they have free trials) and pull your 3 reports + Scores! AnnualCreditReport.com has reports but DOES NOT display scores.

💢 IDENTIFY WHAT’S LOWERING YOUR SCORE:
-1. You don’t have ENOUGH credit established.
-2. You have late payments on your report.
-3. You have accounts in COLLECTIONS
-4. Your accounts are closed to being maxed out
-5. You have a public record such as a bankruptcy or foreclosure.

💢HOW TO FIX LATE PAYMENTS:
-CALL the creditor and negotiate the terms of the debt and ask if they can adjust your account status back to current/paid.
-EXPLAIN you are having a tough time and ask if they can remove the late payment as a COURTESY.
-IDENTIFY any inaccuracies and dispute it.

💢HOW TO FIX ACCOUNTS THAT ARE IN COLLECTIONS:
-DISPUTE, DISPUTE, DISPUTE any errors or inaccuracies (name, account opened date, account amount, etc) Should you pay a debt collector in order to repair your credit report or is there a better way to go about collections
-Ask the lender to VALIDATE the debt
-ASK FOR “PAY FOR DELETION”* while I don’t recommend this method, here is how it can be used: Get a letter from the collection agency that states they will DELETE the negative account from your Credit Report, upon receipt of payment. If the account balance is already “$0.00” but the status of the negative collection is still on your report, dispute the debt anyway with the credit bureaus.
-If (Equifax, Experian and/or TransUnion) cannot prove the debt, it’ll get removed*

💢 FIX MAXED OUT ACCOUNTS ON YOUR CREDIT REPORT:
1. Pay down OR PAY OFF your credit cards, loans or any revolving accounts,
2. Ask for the credit card company to raise your credit limit-(DO NOT USE MORE CREDIT; BE RESPONSIBLE).

💢FORECLOSURES & BANKRUPTCIES
-NOT impossible, but it’s very hard to do
-Dispute any errors or inaccuracies (ex-spouse’s debt, etc).
-Ask an attorney if this can be rectified. I cannot advise on this.

THIS is the exact way I FIXED MY bad credit score, WITHOUT PAYING a company to help you do it! All of these steps can be taken TODAY to increase your score and remove derogatory marks off your credit report which proper research and guidance from a certified credit advisor (NOT ME) or lender. Having a higher credit score will help you save money with a lower interest rate, etc.

I raised my credit score over 300+ points and I didn’t have to pay anyone! The most common misconception of improving one’s credit score is that if you pay your collections accounts reported on your credit report, this will help your credit score. WRONG! I will explain why disputing collections accounts from your credit report is the BEST method to raise your score! Disclaimer: I am not a financial advisor. This is strictly for informational purposes and does not replace the advice from a financial advisor, credit bureaus agent or attorney.

💢 FOLLOW ME ON SOCIAL MEDIA:
💟 TikTok: @Iam_JazzyMac
💟 facebook:

💢 WATCH OUR OTHER VIDEOS:
🎬 👩🏾‍💻WORK FROM HOME! | COMPUTER PROVIDED:
👉
🎬 Credit Repair | Lexington Law/ TheCreditPros:
👉

#CreditScore #CollectionsandCharge #LifeWithJazzyMac
STOP PAYING COLLECTIONS & CHARGE OFFS | CREDIT BOOST BUREAU DISPUTE | Life With Jazzy Mac

Thank you for watching this video, click the “SUBSCRIBE” button to stay connected with this channel.
Subscription Link👉:

Go To YouTube Channel

how to dispute a loan on credit report

You may also like...

9 Responses

  1. KING WHYUMAD says:

    Thank you. Great info. Love seeing black queens so educated. Sorry if I offend you saying this but you are beautiful Queen. Wow

  2. Shar Diva says:

    What cards are you talking about that they can get

  3. Tucky Tuck says:

    Keep blessing us with your knowledge! much love jazzy back with a banger!

  4. Julia Carter says:

    I LOVE this! Thank you so much for sharing.

  5. NayDay says:

    I added my oldest two as authorized users when they were younger … So I’m definitely going to to start my youngest off right !

  6. Hutch says:

    This is exactly what has been the goal for son so he can be set up for success once he graduates high school. Some credit cards do not have a minimum age for kids to be added as an authorized user. This is awesome so they will have many yrs of established and good credit. Awesome vid, thank you!!

  7. Ed Ramon says:

    Hey I sent letters to companies to freeze accounts! How long should I wait to send disputes or debt validation letters?

Leave a Reply