HOW To REMOVE COLLECTIONS Without 609 LETTERS…😳[YOU MUST WATCH THIS]



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In this video, I will go over some of the reasons why collection agency can violate your rights and you have a right to submit a request to remove the debt collection from your credit report with Consumer Financial Protection Bureau.

Collections agency are in violation if they are unable to validate the debt:

Collections agency must provide these:
1. What the balance they say owe is for with proof of payments up to that balance…
2. Explain and show you how you calculated what you say I owe
3. Provide you with copies of any papers that show I agreed to pay what you say I owe
4. Provide a verification or copy of any judgment if applicable
5. Identify the original creditor
6. Prove the Statute of Limitations has not expired on this account
6. Show you the you are licensed to collect in my state
7. Provide you with your license numbers and Registered Agent or Agent of Service

GO TO www.consumerfinance.gov to submit your complaint and follow steps in the video

Watch this video to help you to remove a collection using Consumer finance protection bureau website: www.consumerfinance.gov

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👀Watch how I got my inquiries removed in less than 24 hours:

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Welcome To My Youtube Channel, My name is Designer Soapbox. I have tons of videos on best credit union called Navy Federal Credit Union, I spill the tea on how to obtain Navy Federal Credit Cards and get those credit card high limits. I also share tips and tricks on how to successfully build your credit fast and offer the famous 24-hour inquiry removal guide on how to remove hard inquiries from credit report. I also share a lot of gems on how to build business credit, my thoughts about the Equifax, Transunion and Experian, make income online and how to build websites on your own.

DISCLAIMER: I am not a financial advisor or credit repair agency. I only express my opinion based on my experience. Your experience may be different. These videos are for educational and inspirational purposes only. I do not repair individuals credit or offer any credit repair services at this time. I’m only sharing tips and tricks that worked for me during my journey of repairing my own credit.

#designersoapbox #CreditRepair #RemoveCollections #CollectionAgency #ConsumerFinancialProtectionBureau

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24 Responses

  1. B B says:

    Just disputed all my collections that have been sold . I have disputed before with 609 letters. This is what happens . They will send you copy’s of old bills but not the originals and they will try to say it’s yours . The credit unions will also send you a copy of your reports saying if it was sold or not . I got one thing deleted with letters but hopefully this will help better

  2. Lauren Brzezinski says:

    I have a bunch of paid/settled for less collections on my report. It’s really bringing my score down & most don’t fall off until 2024-2025. Really don’t know what to do.

  3. B B says:

    I got to try this . Most of the stuff on my credit is collections . Everything else is late payments. I did use 609 letters but I think this way will be faster far as getting it done

  4. Courtney Hollingsworth says:

    this worked ! I had a collection and the company responded stating they could not verify. so they are removing the collection from my credit report! thankkk u so much for this video

  5. Joshua Crandall Jr says:

    How do you delete it if you've paid the collection?

  6. Tyrone Bullock says:

    Hey, my name is Tyrone. I really appreciate all of the information that you have put on line. Hey, I have a situation where I took out a loan, fell behind, it then became a charge . Then I began to make payments in large lump sums. Over the counter, they took the money and ran. Never reporting the large amounts of money that I was paying them. It was a misappropriation of funds. The charge-off was made close to three years prior to reclosing the account again in 2019. The account is scheduled to fall off of my credit report in March of 2022. Do you have any advice, that you can offer me?

  7. N&D Broskis says:

    Do you have to freeze your account before you send the letter ?

  8. Shelley Rivers says:

    If they don't respond within 30 days whats the next action?

  9. ForeverGrateful says:

    Hi, do you provide the service for this ?

  10. Gee Deele says:

    Hi.
    I’ve sent the debt collector a request for validation but after 45 they haven’t reply. Now should I write them a failure letter and to cease collecting the debt and to remove it from the credit bureau?
    Sorry for taking of your time but I’m going through a hard time and need to get this fix. Thanks

  11. 86parisienne says:

    Can I remove hard and soft inquiries with your book

  12. BlackHat Chic says:

    explain to me…explain to me…..HOW would they Have my signature if i don't have an acct with them? ..HOW would they Have my signature if i don't have an a. t

  13. K J says:

    How ? I sent a letter and proof but they saying it's me how n they never called my number n never gotten letters

  14. Christina Aguilar says:

    Hi! Not sure if I missed it in the video but What if they only provide you with some of the what you’re requesting?

  15. Mel says:

    What if you don’t have any letters or documentation to attach? Will that ruin your chance of getting it deleted?

  16. Glaceau Smart says:

    What if you have more that 1 collections at one bureau?

  17. Erika Cain says:

    I'm doing this as we speak

  18. SheRaw says:

    They have changed the selection of answers in the order that you give them

  19. Naturally N A E says:

    I literally followed all the steps as I watched this video and girl I am hoping and praying for higher numbers!! thank you so so much and keep doing your thing

  20. Yolanda Anderson says:

    You are so good! Thank you as I go to all of your stuff for information. Question – I have only one collection that just popped up on my credit. The company is At&T for some equipment which I returned over a year ago so I don't have the receipt. This is a collection company that's trying to collect $61.00 from me. Do I still follow these same steps. Thanks again!

  21. Oceans AmErika says:

    This didn’t work for me. I’ve watched almost all of your videos and I want to thank you for the help. What should I do now since this didn’t work 🙁

  22. Blackcoffee S says:

    Does the written signature appt to student loan?

  23. Damion Cameron says:

    I did it and the company saying its closed , what does this mean?

  24. Midwest Slot Diva says:

    First Premier sent me a "letter of validation", however validation does not mean just because you sent a credit card to my address it's valid. I filed on this website stating they have not proved that I received the card. They finally removed it, after I fought them for 3 years.

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