DELETE LATE PAYMENTS FROM CREDIT REPORT | STUDENT LOANS & CREDIT CARDS| FREE CREDIT REPAIR



View counts: 322

Video duration: 00:12:38

Likes: 46

[GET MY CREDIT TEMPLATES HERE:]

⭐️ 🎥 [DISPUTING COLLECTIONS VIDEO]

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 statue of limitations. I make no guarantees that this method will work for you.Trust but verify and do your homework!

[GET MY CREDIT TEMPLATES HERE:]

Top 5 Credit Tips:

0:00 Credit & Student Loan Late Payments
2:56 Paying Collections Will Not Increase Your Score
11:40 LIKE, COMMENT & SUBSCRIBE

[GET MY CREDIT TEMPLATES HERE:]
jazzymacs.dpdcart.com

⭐️🎥 [VIDEOS]
Credit Repair Pros & Cons:

[HOW TO IMPROVE YOUR CREDIT SCORE]
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)
-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 account balance is already “$0.00” but the negative collections status 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*
*According to FCRA Section 609/611 guidelines.

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, getting approved for a home or an apartment, and will even help you get a better job!!! YES, EMPLOYERS CHECK CREDIT!! Please do your own research, this is just general expression of my experience. Not legal advice.

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.

Go To YouTube Channel

how do i dispute accounts on my credit report

You may also like...

6 Responses

  1. Yuri Alvarez says:

    You got ig or something ? Just need advice and suggestions on a few things via credit

  2. danielle says:

    If I pay my debit from a community bank loans will my credit improve I haven’t paid in three years in it can’t be removed from my credit repair

  3. Lia says:

    Gave no useful information

  4. Velma Johnson says:

    What happens when the debt is medical they use a lawyer to contact you to collect the debt. Do you pay because they threaten court and fees?

  5. lucy adams says:

    Thanks girl

Leave a Reply