Remove Everything
Watch the video below. This is an aggressive strategy. Make sure you have read the do and dont's before attempting this strategy.
Remove everything
https://youtu.be/0qIKlAvsGkk
Do's and Dont's
WHEN CONTACTING THE CREDITOR:
1. Do know your states SOL (statute of limitations) to avoid being sued.
2. Only contact them directly via mail if you are sending a goodwill letter or are trying to settle the account by sending a Pay to Delete letter and be prepared to pay if they agree — BUT they don’t have to agree to either option.
3. Do NOT send a copy of your DL or SSN (it’s their responsibility to keep up with all documents that verify your identity)
4. Do NOT call them. Do NOT discuss payments over the phone. (No paper trail + could reset debt time clock if you agree to payment and don’t and now you’re back at square one and the account stays on your credit longer)
5. DO NOT DISPUTE ACCOUNTS ONLINE -- by doing so you give up rights to arbitration and agree to a 3 day investigation. You can dispute personal information online.
6. DO NOT RESEND THE SAME DISPUTE LETTER OVER AND OVER - get more firm with each letter and always follow up. You have a right to know what information the bureaus have about you, the right to know who furnished the information and the right to know the procedure used to verify the information that is being reported.
When the Bureaus use Stall Tactics
The bureaus will send you a letter in response to your dispute requesting more ways to validate your identity even after you’ve sent your 2 forms of ID don’t fall for their tricks! Demand an investigation of your dispute.
If a creditor fails to validate your debt:
• They can’t collect on the debt.
• They are NOT allowed to contact you about the alleged debt.
• Per the FCRA, they are NOT allowed to report the debt. You can get up to, $1,000 per violation of the law according to the FCRA.
CREDIT BUREAUS ADDRESSES:
Equifax Information Services LLC PO Box 740256
Atlanta, GA 30374-0256
Experian
PO Box 9701
Allen, TX 75013
TransUnion Consumer Dispute Center
PO Box 2000
Chester, PA 19016
The credit bureaus have 30 days to respond to your disputes. If you dispute or call in about an account currently under investigation you grant the bureaus an additional 15 days to investigate.
letter:
I reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report
ACCOUNT NAME: ACCT#
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.
I contacted "THE COMPANY" and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
More information
https://youtu.be/cxteNpLfEjk
I reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report ACCOUNT NAME: ACCT# Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted "THE COMPANY" and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Remove everything
https://youtu.be/0qIKlAvsGkk
Do's and Dont's
WHEN CONTACTING THE CREDITOR:
1. Do know your states SOL (statute of limitations) to avoid being sued.
2. Only contact them directly via mail if you are sending a goodwill letter or are trying to settle the account by sending a Pay to Delete letter and be prepared to pay if they agree — BUT they don’t have to agree to either option.
3. Do NOT send a copy of your DL or SSN (it’s their responsibility to keep up with all documents that verify your identity)
4. Do NOT call them. Do NOT discuss payments over the phone. (No paper trail + could reset debt time clock if you agree to payment and don’t and now you’re back at square one and the account stays on your credit longer)
5. DO NOT DISPUTE ACCOUNTS ONLINE -- by doing so you give up rights to arbitration and agree to a 3 day investigation. You can dispute personal information online.
6. DO NOT RESEND THE SAME DISPUTE LETTER OVER AND OVER - get more firm with each letter and always follow up. You have a right to know what information the bureaus have about you, the right to know who furnished the information and the right to know the procedure used to verify the information that is being reported.
When the Bureaus use Stall Tactics
The bureaus will send you a letter in response to your dispute requesting more ways to validate your identity even after you’ve sent your 2 forms of ID don’t fall for their tricks! Demand an investigation of your dispute.
If a creditor fails to validate your debt:
• They can’t collect on the debt.
• They are NOT allowed to contact you about the alleged debt.
• Per the FCRA, they are NOT allowed to report the debt. You can get up to, $1,000 per violation of the law according to the FCRA.
CREDIT BUREAUS ADDRESSES:
Equifax Information Services LLC PO Box 740256
Atlanta, GA 30374-0256
Experian
PO Box 9701
Allen, TX 75013
TransUnion Consumer Dispute Center
PO Box 2000
Chester, PA 19016
The credit bureaus have 30 days to respond to your disputes. If you dispute or call in about an account currently under investigation you grant the bureaus an additional 15 days to investigate.
letter:
I reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report
ACCOUNT NAME: ACCT#
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.
I contacted "THE COMPANY" and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
More information
https://youtu.be/cxteNpLfEjk
I reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report ACCOUNT NAME: ACCT# Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted "THE COMPANY" and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
