Downpayment Assistance NACA Mortgage | Bad Credit OK | 1st time Homebuyer | Good score to buy house

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Always consult a financial advisor or attorney for the most accurate information that pertains to your credit or home buying situation before Investing.

⭐10 Steps:
⭐NACA Handbook:
⭐NACA Webinars:
⭐NACA Website:

How to Write a Dispute Letter Step-by-Step for Derogatory Marks:

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


-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.

-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.

-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 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*
*According to FCRA Section 609/611 guidelines.

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).

-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 to FIX a 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 from your credit report. 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!!

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. I do not offer credit repair.

Go To YouTube Channel

how to dispute foreclosure on credit report

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23 Responses

  1. e alex35 says:

    it works for me with them giving me time to go through a process to learn how to budget and how to become a home owner instead of rushing into a home.

  2. Yogie Gemini says:

    My building management has not renewed my lease due to working on applications for rental assistance for my neighbors. So I would like to take this opportunity to try and purchase a home. I have my 1st time homeowners certificate and finance 101, from NHS. Will these certifications from NHS be accepted?

  3. Yogie Gemini says:

    Can I separate the rehab from the mortgage? I wouldn't want to pay interest on a rehab for 30 years.

  4. Vero Loui says:

    This is such good advice! Thank you!

  5. Vero Loui says:

    Can you purchase a multi family?

  6. King William says:

    Congrats on the baby!

  7. Smoothie World says:

    Hi I have a question if we use NACA home mortgage can we also use FHA program as well?

  8. Alondra arciga says:

    Hey jazzy
    Just started watching your videos just had a few questions
    1. I purchased a car in 2016 but had some late payments but now I don’t owe anything and it’s mine so to get rid of late payments do I call the creditor?

    2. I have a credit card from Wells Fargo it’s a collection charge off. I’m able to use the dispute letter?
    It says the dispute is resolved-consumer disagrees completed investigation of fcra dispute-consumer disagrees.

    3. I have a medical collection will I be able to use the dispute letter as well?
    Thank you once again for all the great information

  9. Casie W says:

    Hey jazz! I recently purchased your program for disputing and when I look at my credit report it shows the acct number but doesn't show the last few is that ok to send a dispute with just that number with some being x out

  10. rjordan102 says:

    The thumbnail was a bit misleading. I watched to find out how to get $10k down payment assistance with Naca

  11. Carlyn Giden says:

    Wow I'm just now starting looking for a home and applied for the fha loan and I combined NACA 2

  12. Kristina Hazelton says:

    Is there a way for a closed account to be lowered??

  13. diamond starr says:

    Thank you for this information…the rent prices are ridiculous now to where people might as well own a home. I signed up for the next webinar in my area. If it takes up to a year to achieve having a NACA mortgage then I’m willing to put in the time and work.

  14. Fancy Queen says:

    With no money down and low credit won’t this have a higher mortgage rate

  15. Eden Mugar says:

    Hey Jazzy, I have a question. I’m sure you may have heard that Navient is not going to be the company handling student loans anymore, it’ll be something else however is there anyway that I could dispute this when the change does occur to have it removed off my credit? This will be the third company that has taken over my student loans.

  16. Dr. Darnita L. Payden says:

    Aww congratulations on the new baby and praying all the best for you and your family!!

  17. Mercedes Preston says:


  18. eneelythebest says:

    Great information. Thank you I didn’t see the information in the description box

  19. cynthia shields says:

    I'm glad I came across this video, and the knowledge. Does NACA work with Veterans??

  20. Nani MR says:

    Hi Jazzy, thanks for all your help! Question, can you dispute a collections account that you went to court for and your already paying?

  21. FeeFee S says:

    My home was flooded. and i am trying to get back into my home. i am approved for a loan just need help with down payment 10500.00. Excellent Video thank you so much. My house is still there but the sidings is gone on the house.

  22. T McDowell says:

    Will this work for condos?

  23. BrightEyes says:

    I didn't like NACA I felt like they didn't help me. I had to do everything myself which left me lost in the sauce.

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