You are preaching THE gospel. I've done this for the last 18 months in preparations to buy a house. Started with a combined mortgage-FICO of 620 and now it's 740 and my 3 bureau scores are teetering around 780 - 805 depending on usage/capacity AND I close on my new house next month. Keep dropping the diamonds of wisdom, Ms. Noelle. You've got a new sub!
Binge watching now. You are my new mentor. What is the max credit score that you can have?...I had a bankruptcy law professor who owned a collection agency. He told us the same thing. But he went to court and we went with him attempting to sue an old lady. The lady said it was not her. The judge threw it out. She paid nothing. The professor said people do not know but he could not make them pay. Also, he said if you make a offer for $50, it’s more than what they paid for your file. Thanks for your info. I am older now. I want to stop old debt purchases from collection. Your video was helpful. Thank you.
When a collection agency calls you they do have a ton of information about you that you don’t know about. That is unavoidable, but like she said most of them don’t have proof of the debt except an account summary which is John Doe. Referral number 123467 and the amount due $543 and that’s it. They don’t have the contact or some collectors don’t even have a transaction history of the card that was used. Never admit to anything because besides your name etc they don’t have proof of the debt. I know I worked in a collection agency and some people that I’ve dealt with knew there rights and I wouldn’t even bother with them because I knew that I was not gonna get a dime from them.
Had a 100% repayment history and 816 credit score. Collections put a negative in my report for a minors medical treatment, when the parent and responsible party was known to the medical provider.
Young Lady... YOU are a Blessing from God! I have enjoyed watching you demystify all things 'Credit Related'... THANK YOU for sharing your GIFTS! You have a Beautiful Spirit! I look forward to learning more from you!
The loan is insured by the credit card company so when they cannot collect from the person. They collected the debt from the insurance company. Then sell the debt to the collections agency.
Sic 'em! I've been watching TONS of your videos, and it's because of you that I started a successful Airbnb near Baylor. You've been so helpful. Thank you.
I loved this content so much! This solidified what I have been doing as a career doe for over 10 years. I am a debt negotiator. I have been teaching this to my family and friends for many years! Just one thing to add. Don’t agree to pay because you will be restarting the cycle over. What I mean is, in every state there is a statue for collections and possibilities for legal action. In my state is is 3 years for unsecured debt “ revolving credit” once that statue is up they can’t sue! They can still collect, but not sue. Best time to dispute your credit is now!! Best time is always around the holidays when creditors are soliciting for people to open new lines of credit. Like Noelle stated “ the burden of proof is on the creditor” which means if you dispute the debt, the creditor has a certain time frame to produce the info to the credit reporting agencies “ Transunion, Equifax and Experian”
Noelle!! You are a Godsend!!! My husband and I are trying to buy our first house and our credit is bad. You popped up on my recommendation to watch list! Thank you, Thank you!!!
Penny Blanton Hi, is it possible that you can share the information. I’m kind of in a similar situation and need a person that could help. Thank you 🙏🏽 blessings to you and congratulations 🎈
Noelle, you are a gem. I am in a similar situation you were in years ago and I need HELP! Thank you for being so generous with sharing your knowledge to help others. Blessings😊
I recommend a very good specialist Michael Gibbs [Gibbs@creditpatchup.com] who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 13 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.
Noelle, Hi my beautiful sister from another family. My name is Carlos and I just want to thank the lord for your videos. You have no idea how much just two of your videos have helped me. I will now be following you on you tube I hope that doesn't make sound like bad in anyway but thank you so much for making videos like this.
I appreciate the knowledge. Im building a music label based out of Buffalo, Ny, & im currently getting my personal credit together, so i can establish and build my business credit/ overall business. I thank you for getting right to the point in your videos. As a black man with an IQ of 163, my patience is QUITE thin. Lol. Thanks again.
This video was very informative! Thank you for sharing. I'm helping my girlfriend with her credit repair process, so i've been doing some research and came across your videos. I'm glad i found you and will definitely be bingeing on your content.
I recommend a very good specialist Michael Gibbs [Gibbs@creditpatchup.com] who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 13 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.
If you have chargeoffs or collections you should just play the game and dispute it. If they don't respond, it will fall off your report. If that doesnt work you have to pay them off. If you pay off your Collections, they will be removed. Pay them off as quick as possible. Chargeoffs dont leave your report for 7 years. Paying them off will make your score better so pay them off. I paid $20k in debt off but I was able to get pre approved for a house. Do what you have to do.
Thanks for sharing your comments make a note to my trusted trader , Johnson on wats ap to help you make profit in bitc oin + 1 2 0 9 .3 1 9 2 1 3 1 he's strategies are top notch 🇫🇯
What about if these predator collections companies take you to court? I had this happen to me. Luckily I sort of did what you were saying about ignoring and denying the debt. When I went to court I went before the judge and stated that i would try and work on this issue out of court, it was continued for one year. I tried to work with the collections agency, to pay a lower amount than the total. They sent me a settlement agreement. I saw some videos about not admitting to the debt. In the settlement contract they had in there that I was fully admitting to the debt. I wrote back to them and stated that I would not agree to this, and I also wanted to include that once I payed off this debt it would be erased from my credit report. They did not agree to this and we went back and forth on the subjects for months. It is now past the deadline for the court case and I am going to request from the bureaus that it be removed from my credit since this debt is more than four years old here in California. Thanks for any information you have. Jay
You didn't owe the collection companies any money though. You had no contract with them of any kind. Never admit that you owe collection agencies. YOU DO NOT.
As a former collection agent, most of this advice is only relevant for debt buyers. 3rd party collection companies work differently. If you don't pay you account it will either charge off and be given back to the client or they can sue you...
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
Hey dear u can feel like you've learned from these clip, but the truth is I'm ts not gonna turn up the way u will be expecting it, so just incase if it goes as I said, it's nothing really to worry about, just go ahead and dm magic_finger360 on iG he can help u get a better score I promise u that ma'am. Thank me after it's done.
I blessed the day i met andrew_hacks05_ on Instagram, he has been the source of happiness to me ever since i met him, he removed all negatives items on my collection and as well increased my scores, please work with him and thank me later.....
Please report the spammers in the comments, because your videos are very informative however it make me feel some type of way to see these spammers in the comment section posting a response to all the comments.
I currently have bad credit and I do not care. I own everything that I have, and I am realizing that it is better to buy everything outright instead of being debt slaves for life.
Not 100% true. I have 771 and I was still denied for an auto loan by one credit union before. ....too much revolving credit and income was the reasoning.
@@xshktx Wow. A friend of mine got a loan for a motorcycle for 10K at her credit union, and her score was in the 600’s. Must had been the revolving credit. Especially if it’s not mixed, but every “money jail” is different.
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
Love you Noelle, but this strategy almost got me served. Cap 1 in particular uses an internal attorney and Discover uses an internal collection dept. They still call it a charge off but the money is paid directly to them or else...
@@hustlehog4319 I recommend a very good specialist Michael Gibbs [Gibbs@creditpatchup.com] who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 13 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.
Thank u I never could understand good people prove many points in your content at the same time u have ungrateful people want too dislike the truth. Which shows their actions without even too see first sad I’m pray for them only they can change it without faith and actions is dead stay bless keep doing GODD DEEDS ASE
And they will. If they have record that you made any payments since the debt incurred toward that debt then they can get a judgment against you because you acknowledge you owed the debt. I don’t understand these credit people saying don’t pay it. Once there’s a judgment that’s on your credit for 7 years. It really depends on if the debt is new, which I believe you should pay, or if it’s old and near time to come off the credit report and they haven’t attempted to sue you already.
I filed for bankruptcy many many years ago and I thought that it would be like starting over but it seems that no matter what I do in terms of good credit I am still in the 600s. I paid off a home and a car and it doesn't seem to rise. I'm convinced that they know that I have filed for bankruptcy despite the fact that it is not suppose to be on my report at all.
I like the way you get right to the point. You don't waste anyone's time by say, juggling lizards while dressed like a clown... thank you. I understood everything very easily. You totally Rock AND your God's Gift to Gorgeousness. Nice thing about you🧸💗
Recorded line saying: "This is an attempt to collect the debt and any information obtained will be used for that purpose!" Sounds like the Miranda rights the police reads you! Don't fall for it.
I recommend a very good specialist Michael Gibbs [Gibbs@creditpatchup.com] who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 13 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.
For the most part good info however you don’t need a lone to obtain good credit this was a bit misleading. You can get to 700 - 750 in your first year by just making on time payments, keeping your utilization down and applying for larger credit lines every few months.
I recommend a very good specialist Michael Gibbs [Gibbs@creditpatchup.com] who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 13 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.
![Twenty One Pilots - The Line (from Arcane Season 2) [Official Audio]](http://i.ytimg.com/vi/XCz7WUotXs8/mqdefault.jpg)
How To Get Approved For A Loan Without A Job - ruclips.net/video/T4zt4OYWLyI/видео.html
where is the link for creative credit solutions? thank you! also where is the video for getting the collections and charge off removed?
I LOVE WHAT YOU ARE DOING! MANY BLESSING.
From: So LethaL
@@kimberlygreen3878 look in the description of the video.
@@kimberlygreen3878 i dont see it either
@@pennyblanton4902 I could not find Miknickforce on instagram, do you have more info?
You are preaching THE gospel. I've done this for the last 18 months in preparations to buy a house. Started with a combined mortgage-FICO of 620 and now it's 740 and my 3 bureau scores are teetering around 780 - 805 depending on usage/capacity AND I close on my new house next month. Keep dropping the diamonds of wisdom, Ms. Noelle. You've got a new sub!
Thanks for sharing!!
Congrats🙏🏾
I've watched 100 of these and i can say this the only lady i can understand and she seems genuine
Yup, was thinking the same thing
850Financialassessment🪐com Rocks!!!
850Financialassessment🪐com Rocks!!!
850Financialassessment🪐com Rocks!!!
Have been seeing good reviews of there services everywhere on google
.
Have been seeing good reviews of there services everywhere on google
.
Have been seeing good reviews of there services everywhere on google
.
Have been seeing good reviews of there services everywhere on google
.
Have been seeing good reviews of there services everywhere on google
.
Binge watching now. You are my new mentor. What is the max credit score that you can have?...I had a bankruptcy law professor who owned a collection agency. He told us the same thing. But he went to court and we went with him attempting to sue an old lady. The lady said it was not her. The judge threw it out. She paid nothing. The professor said people do not know but he could not make them pay. Also, he said if you make a offer for $50, it’s more than what they paid for your file. Thanks for your info. I am older now. I want to stop old debt purchases from collection.
Your video was helpful. Thank you.
Protect this lady at all cost!!!
Mrs. Noelle...your name says it all! You are truly a blessing to this single mom working tirelessly to fix her life and her credit 🤦🏾♀️
Thats exactly how I feel Sis...
Noelle is truly a blessing ♥️💯
When a collection agency calls you they do have a ton of information about you that you don’t know about. That is unavoidable, but like she said most of them don’t have proof of the debt except an account summary which is John Doe. Referral number 123467 and the amount due $543 and that’s it. They don’t have the contact or some collectors don’t even have a transaction history of the card that was used. Never admit to anything because besides your name etc they don’t have proof of the debt. I know I worked in a collection agency and some people that I’ve dealt with knew there rights and I wouldn’t even bother with them because I knew that I was not gonna get a dime from them.
So many people scamming in your comments. U might have to disable em.
Still working on my credit but you are the reason I got my first $400 credit card thanks
Had a 100% repayment history and 816 credit score. Collections put a negative in my report for a minors medical treatment, when the parent and responsible party was known to the medical provider.
I have that same situation what did u do dropped my score from 800 too
Noelle, I am where you started basically, but making improvements. You are my hero and I'm very proud of you!!!
Girl yes they stay calling on different numbers too
Why am I seeing this three years later also why is this my 5th video of hers tonight?! Man she’s gr888 ❤😮
NOELLE RANDALL I AM NOT EASILY IMPRESSED. BUT WORLD SHE IS THE REAL DEAL⭐️
You are speaking my language .How to get started into fixing the problem of having bad credit.
Young Lady... YOU are a Blessing from God! I have enjoyed watching you demystify all things 'Credit Related'... THANK YOU for sharing your GIFTS! You have a Beautiful Spirit! I look forward to learning more from you!
The loan is insured by the credit card company so when they cannot collect from the person. They collected the debt from the insurance company. Then sell the debt to the collections agency.
Im going through identity theft same name , social one number different-its been hell...thanks for this god bless
Sic 'em! I've been watching TONS of your videos, and it's because of you that I started a successful Airbnb near Baylor. You've been so helpful. Thank you.
I really took your advice now my credit score this month increased by 45 points thank you thank you 👌🏾
@@KudiratMojeed thanks I'm going to look into it 😁
@Noelle Randall thank you
@Noelle Randall what is this? I see this alot in people videos
All thanks to everyone that introduce me to Christmas_topup on Instagram they really did help in paying my bills
@@TikTokSavatar83.0 That's fake Noelle, a comment from real Noelle official account would be highlighted
I loved this content so much! This solidified what I have been doing as a career doe for over 10 years. I am a debt negotiator. I have been teaching this to my family and friends for many years! Just one thing to add. Don’t agree to pay because you will be restarting the cycle over. What I mean is, in every state there is a statue for collections and possibilities for legal action. In my state is is 3 years for unsecured debt “ revolving credit” once that statue is up they can’t sue! They can still collect, but not sue. Best time to dispute your credit is now!! Best time is always around the holidays when creditors are soliciting for people to open new lines of credit. Like Noelle stated “ the burden of proof is on the creditor” which means if you dispute the debt, the creditor has a certain time frame to produce the info to the credit reporting agencies “ Transunion, Equifax and Experian”
You have some of the best content on the internet. Your info is quality and real. Sharing with everyone
Chile, she just present it well. Look up Road to 750 for real information and not just surface crap
Noelle!! You are a Godsend!!! My husband and I are trying to buy our first house and our credit is bad. You popped up on my recommendation to watch list! Thank you, Thank you!!!
Penny Blanton Hi, is it possible that you can share the information. I’m kind of in a similar situation and need a person that could help. Thank you 🙏🏽 blessings to you and congratulations 🎈
@@pennyblanton4902 thanks for the information
@@pennyblanton4902 everyone giving info about creditors. Like are they good
I love how thorough and knowledgeable you are about credit! This is great content.
Bless you. I am so happy I kept searching for the answer from a trustworthy person.
The video starts at 7:05
All the channels “like this” and Noelle is the ONLY ONE who actually helped LOL love live love your conte thank you so so much!
Noelle, you are a gem. I am in a similar situation you were in years ago and I need HELP! Thank you for being so generous with sharing your knowledge to help others. Blessings😊
@@noellerandall9620 I like the info Noelle shares however, she seems to answer with this same thing to me too😦
I love this woman
I recommend a very good specialist Michael Gibbs [Gibbs@creditpatchup.com] who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 13 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.
Noelle I love the intro music!!! Nice addition 🙂 You never fail to bless my RUclips timeline with content
Noelle, Hi my beautiful sister from another family. My name is Carlos and I just want to thank the lord for your videos. You have no idea how much just two of your videos have helped me. I will now be following you on you tube I hope that doesn't make sound like bad in anyway but thank you so much for making videos like this.
I just wanted to thank you for feeding us with such amazing informations. God bless you.
Yes, many times
No wonder you speak so clearly with full of knowledge. Loving your teachings.
Yes for sure.
Great information. Many blessings
I ran across this while searching other stuff on RUclips, the information you give is awesome. God Bless you
Same , i was watching next round of sneaker before this
Hacker.done22 on IG is the best
Hacker.done22 on IG is the best
Not only are you beautiful, but also informative and concise. Needed this info. Saved it for reference.
I appreciate the knowledge. Im building a music label based out of Buffalo, Ny, & im currently getting my personal credit together, so i can establish and build my business credit/ overall business.
I thank you for getting right to the point in your videos. As a black man with an IQ of 163, my patience is QUITE thin. Lol. Thanks again.
Yes I have got a lot of those calls this call is recorded
well in tennessee they are sueing people that have outstanding credit card debt.
This video was very informative! Thank you for sharing. I'm helping my girlfriend with her credit repair process, so i've been doing some research and came across your videos. I'm glad i found you and will definitely be bingeing on your content.
RUclips Road to 750, you will learn in detail, more about credit.
Once again I've been watching you for two days now and I love you and I've learned so much thanks to my son Deondre who led me to your site
I recommend a very good specialist Michael Gibbs [Gibbs@creditpatchup.com] who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 13 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.
thank you guys
If you have chargeoffs or collections you should just play the game and dispute it. If they don't respond, it will fall off your report. If that doesnt work you have to pay them off.
If you pay off your Collections, they will be removed. Pay them off as quick as possible.
Chargeoffs dont leave your report for 7 years. Paying them off will make your score better so pay them off.
I paid $20k in debt off but I was able to get pre approved for a house. Do what you have to do.
Thank you for the great information!!
Can you please link for the credit restoration company you mentioned? Thank you
He is reliable, tested nd trusted
Thanks for sharing your comments make a note to my trusted trader , Johnson on wats ap to help you make profit in bitc oin + 1 2 0 9 .3 1 9 2 1 3 1 he's strategies are top notch 🇫🇯
I love you Noelle, you are absolutely amazing ♥️🙌🏾✨💫
THANKYOU FOR CONFIRMING MY ACTIONS AGAINST THEM😊
What about if these predator collections companies take you to court?
I had this happen to me. Luckily I sort of did what you were saying about ignoring and denying the debt. When I went to court I went before the judge and stated that i would try and work on this issue out of court, it was continued for one year. I tried to work with the collections agency, to pay a lower amount than the total. They sent me a settlement agreement. I saw some videos about not admitting to the debt. In the settlement contract they had in there that I was fully admitting to the debt. I wrote back to them and stated that I would not agree to this, and I also wanted to include that once I payed off this debt it would be erased from my credit report. They did not agree to this and we went back and forth on the subjects for months. It is now past the deadline for the court case and I am going to request from the bureaus that it be removed from my credit since this debt is more than four years old here in California.
Thanks for any information you have.
Jay
Same here with me
You didn't owe the collection companies any money though. You had no contract with them of any kind. Never admit that you owe collection agencies. YOU DO NOT.
Wow! This was so helpful and definitely NEW knowledge. Thank you for sharing and may God prosper and bless you continuously!!!
As a former collection agent, most of this advice is only relevant for debt buyers. 3rd party collection companies work differently. If you don't pay you account it will either charge off and be given back to the client or they can sue you...
ok so now can you explain this information for us?
Debt buyers are third parties 🤦🏽♀️🙏🏽 anyone other than the original creditor is violating the law.
Thank you for all you do for everyone!!! God bless you!! Merry Christmas!!
Thank you Queen, I have just learned a lot about credit. God Bless you and keep doing what your doing.🙏🏽💃🏿
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
Hey dear u can feel like you've learned from these clip, but the truth is I'm ts not gonna turn up the way u will be expecting it, so just incase if it goes as I said, it's nothing really to worry about, just go ahead and dm magic_finger360 on iG he can help u get a better score I promise u that ma'am. Thank me after it's done.
Exactly always recorded until you ask for the recording, this is why most use the words" you may be recorded
Total blessing. Thank you for the information!! Amazing content ☺️
Thank you so much Noelle for this information. I truly appreciate this very much😏
I blessed the day i met andrew_hacks05_ on Instagram, he has been the source of happiness to me ever since i met him, he removed all negatives items on my collection and as well increased my scores, please work with him and thank me later.....
Please report the spammers in the comments, because your videos are very informative however it make me feel some type of way to see these spammers in the comment section posting a response to all the comments.
@@KimberlyGibsonXx shush yourself sweety. And FYI you can not shush text
Yes they do record you
You are beyond informative. Thanks
truly the most helpful person on youtube!!
I currently have bad credit and I do not care. I own everything that I have, and I am realizing that it is better to buy everything outright instead of being debt slaves for life.
Great Video! Absolutely right...Dope!
did any odt the tip worked for you?
Above 740 is pretty much bragging rights. You can be approved for anything with a 740 score.
Not 100% true. I have 771 and I was still denied for an auto loan by one credit union before. ....too much revolving credit and income was the reasoning.
I am working my way there. I started in the 400s and worked my way to the 500s 20 pts away from 600. Aiming for 800
@@xshktx Wow. A friend of mine got a loan for a motorcycle for 10K at her credit union, and her score was in the 600’s. Must had been the revolving credit. Especially if it’s not mixed, but every “money jail” is different.
Great information Noell!!
Credit Backdoors on Instagrm
Why is medical debt allowed to be reported on your credit report??? You do not have to have Credit to go to the Doctor's or to go the Hospital.
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
Love you Noelle, but this strategy almost got me served. Cap 1 in particular uses an internal attorney and Discover uses an internal collection dept. They still call it a charge off but the money is paid directly to them or else...
So how did the cap1 charge off turn out for you? I’m trying to figure how to deal with my cap1 charge off.
@@hustlehog4319
I recommend a very good specialist Michael Gibbs [Gibbs@creditpatchup.com] who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 13 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.
U are definitely beautiful 🌹🌹🌹🌹 and do a good job explaining credit stuff God bless you 🙏 and your family...
Thank you for sharing!
New subscriber here! Awesome content!
Same here....
I am so glad I found your site! THANK YOU THANK YOU THANK YOU!!!
Noelle, I absolutely love your content! You have so much swag and are so knowledgeable. Definitely look forward to watching all your videos!
How is ignoring the calls good? It still ends up on your report and you then have to dispute.
God bless you. Am trying to help my friend
Well...I saw this too late lol. I literally just paid off all of my collections, and didn't even need to. Ah well, live and learn.
Be glad you paid them because you may have been sued and taken to court otherwise.
Thank u I never could understand good people prove many points in your content at the same time u have ungrateful people want too dislike the truth. Which shows their actions without even too see first sad I’m pray for them only they can change it without faith and actions is dead stay bless keep doing GODD DEEDS ASE
So what happens when the collection agency takes you to court and has a judgment placed against you?
And they will. If they have record that you made any payments since the debt incurred toward that debt then they can get a judgment against you because you acknowledge you owed the debt.
I don’t understand these credit people saying don’t pay it. Once there’s a judgment that’s on your credit for 7 years. It really depends on if the debt is new, which I believe you should pay, or if it’s old and near time to come off the credit report and they haven’t attempted to sue you already.
Right!
@@lionessofjudah4234 Exactly. You still can get sued.
Appreciate all the help Queen 👸🏾
You’re amazing Noelle 💯
Ms.Noelle you are the G.O.A.T. I appreciate this information 💪🏿💪🏿👊🏿👊🏿🤝
I filed for bankruptcy many many years ago and I thought that it would be like starting over but it seems that no matter what I do in terms of good credit I am still in the 600s. I paid off a home and a car and it doesn't seem to rise. I'm convinced that they know that I have filed for bankruptcy despite the fact that it is not suppose to be on my report at all.
@chucksucks8640 Bankruptcy appears on credit report for sure. Old debt too.
Thank you so much Noelle
OMGGG Girl you are my Guardian angel😇
Thank you so much for sharing this amazing content. You just gained a subscriber🥰
Thank you for this awesome knowledge!
I like the way you get right to the point. You don't waste anyone's time by say, juggling lizards while dressed like a clown... thank you. I understood everything very easily. You totally Rock AND your God's Gift to Gorgeousness. Nice thing about you🧸💗
Great Inputs. Thanx for Sharing.
Hi where did you put the link to wrote the letters ?? Thanks
First Real Insight great post.
Noelle Randall can I call you
@@trevonjames-1914 can I message you
Thank u, Noelle! New to the channel and love it!!!
Wow! THANK YOU!! You are amazing and now have another subscriber for life!!!
Recorded line saying: "This is an attempt to collect the debt and any information obtained will be used for that purpose!" Sounds like the Miranda rights the police reads you! Don't fall for it.
Hi Noelle, I just filled out an application for Creative Credit Solutions. Thank you.
Wonderful!
Sis that damn recorded line🤣
I recommend a very good specialist Michael Gibbs [Gibbs@creditpatchup.com] who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 13 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.
Thank you so much!!!!
@@alande7153 you are welcome
This information was awesome. Where was this years ago. Will subscribe, very basic and to the point. Than you
For the most part good info however you don’t need a lone to obtain good credit this was a bit misleading. You can get to 700 - 750 in your first year by just making on time payments, keeping your utilization down and applying for larger credit lines every few months.
Wow 🤩 Thank you so much I am going through this now🙏❤️
Came across your channel yesterday, your a BEAST! So many good tips and great content!!
It works until it's turned over to an Attorney collection agency and then the lawsuit is initiated. 🤔
Yes! How do you deal with that? It's not over. You will end up with a judgement on your credit.
I recommend a very good specialist Michael Gibbs [Gibbs@creditpatchup.com] who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 13 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.
GOD BLESS YOU NOELLE...AND HAPPY NEW YEAR !!!!!