Hey Family, I recently rebranded my old company of Francois Capital to Takeoff Financial. If you're interested in getting your credit restored, use our new link here: takeofffinancial.com/
Credit score is not something used in all countries though. In France, they determine if you are eligible to get a loan (e.g., to buy a house) based on the ratio between your salary, your expenses and your savings. Basically, if every month you 'burn' all your money, you're perceived as riskier than someone earning less but consistently making deposits to a saving account. I feel in the US people tend to buy things they don't need with money they don't have... The only times I feel one should need a credit is when buying 'big' things (house, car, etc.). Not for a TV. I’m 26 with over 800 credit score, time was put into that to build it up by *Credit Backdoors*
Credit score is not something used in all countries though. In France, they determine if you are eligible to get a loan (e.g., to buy a house) based on the ratio between your salary, your expenses and your savings. Basically, if every month you 'burn' all your money, you're perceived as riskier than someone earning less but consistently making deposits to a saving account. I feel in the US people tend to buy things they don't need with money they don't have... The only times I feel one should need a credit is when buying 'big' things (house, car, etc.). Not for a TV. I’m 26 with over 800 credit score, time was put into that to build it up by *Credit Backdoors*
I don't disagree with what was said, but on that token, all GOOD payment history then should not be reported also, no? A transaction can be good or bad so in that case, if a consumer report should not include them, then it shouldn't include any, ans thus a consumer report should not exist because what other purpose does a credit report serve? Also, how would you pen this information to the credit bureaus? "As per ........., these late payments (transactions and/or experiences) shall not be included in my consumer report........etc" I am not against what was said but I'm not sure they would accept it or they can counter it? On another note, has anyone tried this? If you have, with success, I would like to know so I can do it too!!!
I don't think they report late payments anymore I'm 2 months behind on my car payment and just says " In good standing" all caught up. I think when you default and they repossess it is when you get reported.
And credit card companies are stating that they are REQUIRED by law to report your credit to all 3 bureaus. So, what do you do when they will not remove any negative information on your report?
I did exactly what you said and disputed late payments with all three credit bureau's it did impact my credit score, (IN A BAD WAY) my credit score dropped (52) points the added remarks to my credit file. CAN YOu EXPLAIN WHY THIS HAPPENENED?
So you are saying your credit report should not be telling when you pay or whether or not you are payng late or on time, but should only be reporting how you use your credit such as the transactions you are making?
I can teach you! I have a 5day challenge coming up where I will be coaching you on how to get multiple accounts removed including late payments! Link below www.consumerlawsecrets.com/5DaysChallenge
Has anyone used this tactic and successfully removed a single late mark on an OPEN account from the three main credit agencies? Or will the corrupt government agency blacklist me for sending a threatening letter.
Any account can be removed from your consumer report! I have a 5 day challenge coming up where I will coaching you on how to get these accounts removed www.consumerlawsecrets.com/5DaysChallenge
What do you do when banks like Chase credit card services says you signed a credit card agreement giving them (furnisher) consent to report your credit account to all three bureaus? And if you got the cc years ago and don't remember signing anything giving consent, how can you contest this to get a closed account that's now reporting as a negative mark on your credit report removed? Thx for any advice that you can give.
The law says "information solely as to transactions and experiences" which means payment transactions and events you experienced in regards to the nature of those transactions. If you read subsection 3 and the list of things it talks about it gives more clarity.... so exclusions here would be like medical transactions or anything you actually purchased with the credit and the nature thereof. Late payments aren't transactions. A transaction is like paying $6.99 for a chick fila sandwhich on your credit card. It isn't the $35 minimum payment you're obligated to pay on that credit card. So this exclusion means, your credit report can't have actual transactions on them or say things like "this payment was for a doctors visit to check out the consumer's herpes condition" it doesn't mean late payments are illegal. If they were, the credit bureaus would get sued left and right. You should probably take this video down to save yourself the embarrassment. I am not a lawyer and this is not legal advice.
Bro listen to what u said. “Late Payments are not transactions”. No shit lol Late payments are experiences u had between u and the creditor, which is illegal to be reported. But more importantly, if it wasnt illegal then i wouldn’t have just gotten 2 late payments off my credit card bill all with just ONE letter i sent out 2 times. Try it before you knock it brother. Then come back with your results. It should work for you too bro
@@kingcaro8486 yes.. and said i’ll take legal action if not corrected..but not that simple. The letter was about two pages long. But they def removed the late payments within 2 weeks
I can show you! I will be having a 5 day challenge October 3-7th where I will be coaching you on how to get any account removed including late payments www.consumerlawsecrets.com/5DaysChallenge
Nothing in those statement that exclude the rights a creditor have to report a late payment. Sense you have signed an agreement with you and the creditor.
@@DaraineDelevante show the law that says reporting a late payment is Illegal and show me the law that says a creditor cannot create an agreement that a person signs that will exclude any late payment reporting. I’m waiting 🤔🤔🤔 Banks are smart just take the time to read the terms and agreement to a credit card disclosure. It isn’t a law just ask a consumer lawyer to take on a case to have late payments removed since it a law. Be careful using the word law. No victim Here. I understand what is legal and what is illegal in the reference of law base of the reference of consumer law and term and agreement consumer sign when entering in an agreement with financial institutions. I understand credit bureaus we’re create solely to house information on your credit worthiness. That is not illegal as long as it is 100% accurate. It funny you that you tell people that but, I didn’t see how you use that law you say is in place to get the late payments removed. I’m Wait on that dispute letter no that video to show all the subscribers to inform the creditor to remove the late payment because they are breaking the law. Let see how that works. You put out great content but this one 🤔 Blessing brother
@@wegetthejobdone your are not in contract with a "creditor" a contract requires two signatures does it not. On that alone aren't they operating in a manner that is dishonorable. Should you have the ability to contact them and structure your report as required.
Check this out if the late payment are illegal. Then all the good payments are illegally also. Now how is that going to help someone credit. You can’t force half the rule and discard the other half. Come on think 🤔 any transaction is illegal doesn’t make a difference if is good or bad. Now to answer your other questions. Yes, has to be sign by both parties. You have to read the small print you entered into a contract and electronically signed and the creditor electronically sign the documents to make it legal. Now let get deep show me one court case that prove you right and I will shut up. That a late payment is illegal? Just one. I will be waiting. Since I have worked with consumer lawyer I know you won’t find one. I will be waiting for your response. Courts rule in this country Big time. Dig deeper to get the whole answers. Thanks for the message.
@@wegetthejobdone uhhh no one said late payments are illegal. The reporting of them is not lawful. That's what the whole video was about. Just because you work with lawyer doesn't mean he or you know everything. And honestly your Proving the point that the system is if credit reporting is broken. But ya boi said in the video is fact tho unless u perceive/interpret law that is far beyond all of our capacities. But that's not the case brotha. Keep doing ya thang I believe your an intelligent brotha. Preciate the response.
By using consumer law! Join my 5 day challenge I will be coaching you on how to get these accounts removed like a pro www.consumerlawsecrets.com/5DaysChallenge
👆My credit score 👆was 571 and I couldn’t get approved for a loan, a car and a house... NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 830, Mr ALFRED he’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a week and he kept to his word. Now I can thank him enough. Get in touch with him today and make a bright future tomorrow. Mr ALFRED they are really the best trust me.
I know everyone wishes that this was true, BUT the credit bureaus are reporting that information as a third party. The bureaus are not the “person” making the report, the actual creditor is. IF it was this easy don’t you think every credit repair company would have exploited this loophole? If you want better credit, start today by controlling your spending and making on time monthly payments. The late payments affect your score less and less over time (4 years) and even collections will fall off after 7. There is no magic bullet even though we all wish there was.
Oh please! Just because you’re out of the loop doesn’t mean everyone else is. I’ve removed all sorts of inaccuracies without any issue. You just have to know what you’re doing. By the way your entire premise is wrong. The creditor supplies the information but the reporting agencies create the report. Unless you have sufficient information, a score can’t even be generated by the agencies, and they only have the ability to remove, verify, update or delete information. Aside from the consumer of course
You are falsely assuming all credit repair agencies know every word of the credit laws. Every attorney doesn't know all the laws on their field. No group of professionals are equally informed on the knowledge of their field. You were just given gold and you think it is worthless because everyone would be using it if it were true. Your argument is based on the false assumption that everyone has the same amount of knowledge and information. He just broke down the law by definition. If you find a flaw in the legal argument then you would have a point. His argument was solid because it was based on lawful definitions. The statute is controlled by the definitions.
There are silver bullets in law. Immunities are one such silver bullet in law. Think of the castle doctrine. In some states if someone is breaking into your house while you are at home and they get past the threshold and you shoot them the prosecutor is barred from bringing criminal action against you. Silver bullets are real in law. I've used them to destroy cases in civil and criminal cases. A silver bullet at law destroys the case from going forward. The 5th ammendment is one such thing in criminal cases (sworn complaint under penalty of perjury that a prosecutor cannot sign). In civil cases against banks I use case law that banks can't lend bank's money or depositor's money and use state ucc laws that state that person signing credit agreement funds the loan because that paperwork is a negotiable instrument. Suddenly lawyers withdraw cases because I just showed they are involved in bank fraud. Btw I am not an attorney.
So so so happy 😉😊 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------My ex had the mentality - if I don't admit it - it didn't happen .She admitted to 2 affairs . Though i can't "prove" it as she liked to throw at me..I am not a person who goes through your phone , or your purse but i got refer to * CREDITMASTERFIX.COM. I don't follow you or your friends . There where signs but denial and wilfully ignorance was something I was good at . For those 3 years the # of people she slept with only slowed down . It didn't stop . I was no saint. Truth be known I should never have asked her to marry me . I was immature , stupid., had no idea what a "good " , healthy relationship was . I had 3 affairs . One before we got married , 2 more about 2 years after we were married . We were together 14 years . Married 12 of them . Divorced in 2018 and to this day I do not trust anyone.
So so so happy 😉😊 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------My ex had the mentality - if I don't admit it - it didn't happen .She admitted to 2 affairs . Though i can't "prove" it as she liked to throw at me..I am not a person who goes through your phone , or your purse but i got refer to * CREDITMASTERFIX.COM. I don't follow you or your friends . There where signs but denial and wilfully ignorance was something I was good at . For those 3 years the # of people she slept with only slowed down . It didn't stop . I was no saint. Truth be known I should never have asked her to marry me . I was immature , stupid., had no idea what a "good " , healthy relationship was . I had 3 affairs . One before we got married , 2 more about 2 years after we were married . We were together 14 years . Married 12 of them . Divorced in 2018 and to this day I do not trust anyone.
I am so impressed -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- A companion of mine alluded me to GlobalFixPro. net promising me he could do large things with my credit. Furthermore, huge things they conveyed! They had the option to eliminate ALL (yes ALL) disparaging things from each of the three agencies. My FICO assessment bounced up 81 focuses to 754. Extraordinary! Furthermore, he pretty much the best to work with ever. He clarified everything plainly and were interminably useful. He's my knights in sparkling shield. I'm renegotiating my home and saving many dollars consistently. I've effectively prescribed him to companions and will proceed to for quite a while to come
👆My credit score 👆was 571 and I couldn’t get approved for a loan, a car and a house... NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 830, Mr ALFRED he’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a week and he kept to his word. Now I can thank him enough. Get in touch with him today and make a bright future tomorrow. Mr ALFRED they are really the best trust me.
So so so happy 😉😊 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------My ex had the mentality - if I don't admit it - it didn't happen .She admitted to 2 affairs . Though i can't "prove" it as she liked to throw at me..I am not a person who goes through your phone , or your purse but i got refer to * CREDITMASTERFIX.COM. I don't follow you or your friends . There where signs but denial and wilfully ignorance was something I was good at . For those 3 years the # of people she slept with only slowed down . It didn't stop . I was no saint. Truth be known I should never have asked her to marry me . I was immature , stupid., had no idea what a "good " , healthy relationship was . I had 3 affairs . One before we got married , 2 more about 2 years after we were married . We were together 14 years . Married 12 of them . Divorced in 2018 and to this day I do not trust anyone.
Hey Family, I recently rebranded my old company of Francois Capital to Takeoff Financial. If you're interested in getting your credit restored, use our new link here: takeofffinancial.com/
Credit score is not something used in all countries though. In France, they determine if you are eligible to get a loan (e.g., to buy a house) based on the ratio between your salary, your expenses and your savings. Basically, if every month you 'burn' all your money, you're perceived as riskier than someone earning less but consistently making deposits to a saving account. I feel in the US people tend to buy things they don't need with money they don't have... The only times I feel one should need a credit is when buying 'big' things (house, car, etc.). Not for a TV. I’m 26 with over 800 credit score, time was put into that to build it up by *Credit Backdoors*
Thanks to them, they got my credit score improved
France here I come lol 🤣😂
I love how cool and calm he's teaching him
facts
Credit score is not something used in all countries though. In France, they determine if you are eligible to get a loan (e.g., to buy a house) based on the ratio between your salary, your expenses and your savings. Basically, if every month you 'burn' all your money, you're perceived as riskier than someone earning less but consistently making deposits to a saving account. I feel in the US people tend to buy things they don't need with money they don't have... The only times I feel one should need a credit is when buying 'big' things (house, car, etc.). Not for a TV. I’m 26 with over 800 credit score, time was put into that to build it up by *Credit Backdoors*
Yo dude is a beast! I had to reread the Code multiple times to understand. The word "Exclusion" is crucial in understanding the context from (A)(1)
Agreed !
The light bulb went off for me at will!!
Bingo!!!
gotta put the cc on for this one...
I don't disagree with what was said, but on that token, all GOOD payment history then should not be reported also, no? A transaction can be good or bad so in that case, if a consumer report should not include them, then it shouldn't include any, ans thus a consumer report should not exist because what other purpose does a credit report serve? Also, how would you pen this information to the credit bureaus? "As per ........., these late payments (transactions and/or experiences) shall not be included in my consumer report........etc"
I am not against what was said but I'm not sure they would accept it or they can counter it?
On another note, has anyone tried this? If you have, with success, I would like to know so I can do it too!!!
I was thinking the same
true but you also can tell the credit reporting agencies what to report tho you have the power not them
I don't think they report late payments anymore I'm 2 months behind on my car payment and just says " In good standing" all caught up. I think when you default and they repossess it is when you get reported.
Hello who is your car company
Is this account reporting on your credit ? @@hiswife1463
Oh they do
I've been waiting on THIS ONE!
You can find the letters on my website
The (4:27 minute) video is titled "Delete Late Payments" on his channel. Thank you!
And credit card companies are stating that they are REQUIRED by law to report your credit to all 3 bureaus. So, what do you do when they will not remove any negative information on your report?
They aren’t required
Sue them for false information
FIRE keep it going
O P P R E S S I O N at its finest
I did exactly what you said and disputed late payments with all three credit bureau's it did impact my credit score, (IN A BAD WAY) my credit score dropped (52) points the added remarks to my credit file. CAN YOu EXPLAIN WHY THIS HAPPENENED?
Damn that sucks. I’m curious too
So In that case: can they delete your on time payment history also since you’re saying they should delete the late ones?
yes
So you are saying your credit report should not be telling when you pay or whether or not you are payng late or on time, but should only be reporting how you use your credit such as the transactions you are making?
So if the credit beures cant report your transactions and experiences then what is left for them to report?
Um pretty sure if that’s the case then on time payments can’t be posted neither. No?
At the discretion of the consumer
And now what?
My first round will be over In 8 days and I’m looking good so far. Just wondering wat round two will do
Once it come back Verified, then you continue to step 2 you will input "Law's according to the FCRA" inaccuracies, along with your dispute letters.
What about the utilization being illegal too
Love your energy!
So would we write this in the form of a 609 letter regarding the late payment
Yes
Who should we send the letter to? The creditor or the Credit Bureaus?
Either one, if that didn’t work…Credit bureau or creditors, who ever dismissed you can c you in the court If law
Directly to the creditor
Preachhhhh pastor!!🤣
LOVE IT !
Glad you love it fam.
Yes, this is great info... how can I get my late payments removed
I can teach you! I have a 5day challenge coming up where I will be coaching you on how to get multiple accounts removed including late payments! Link below
www.consumerlawsecrets.com/5DaysChallenge
How do we get those removed from our reports
I have the letter you can use with the law included if you like that he is talking about
@@Thetradelineplug where do I get the letter?
@@coreywilson3834 what’s your email
@@Thetradelineplug can you send me the letter to?
Join my 5 day challenge get your tickets here!
www.consumerlawsecrets.com/5DaysChallenge
Has anyone used this tactic and successfully removed a single late mark on an OPEN account from the three main credit agencies? Or will the corrupt government agency blacklist me for sending a threatening letter.
So, it’s illegal for Nelnet (Student Loan) to report a late payment? 🤔
Wondering the same
I assume so it’s a person
Just a suggestion, get a better mic. Theres a lot of feedback and echo
There keep verifying late payments I have 3 I need kelp
For late payments removal of your credit report
Message
Drewie..Consultancy
On
Instagram ..
Where may I find the link to the full interview?
Nice
So question is how do we use this to get it off our credit report?
15 USC 1681 a2a1
@4:00
What's the code again
Can I get the letter??
Does that include mortgage payments as well??
Yes Steve, all depends on who is working for you tho. I can give you recommendation if you still need help.
Any account can be removed from your consumer report!
I have a 5 day challenge coming up where I will coaching you on how to get these accounts removed
www.consumerlawsecrets.com/5DaysChallenge
@@melissabrooks6352 who you got?
What do you do when banks like Chase credit card services says you signed a credit card agreement giving them (furnisher) consent to report your credit account to all three bureaus? And if you got the cc years ago and don't remember signing anything giving consent, how can you contest this to get a closed account that's now reporting as a negative mark on your credit report removed? Thx for any advice that you can give.
@Rottie Island Their company policies do not trump federal law.
As the original creditor you have thr write to opt out of your information being furnished
The law says "information solely as to transactions and experiences" which means payment transactions and events you experienced in regards to the nature of those transactions. If you read subsection 3 and the list of things it talks about it gives more clarity.... so exclusions here would be like medical transactions or anything you actually purchased with the credit and the nature thereof. Late payments aren't transactions. A transaction is like paying $6.99 for a chick fila sandwhich on your credit card. It isn't the $35 minimum payment you're obligated to pay on that credit card. So this exclusion means, your credit report can't have actual transactions on them or say things like "this payment was for a doctors visit to check out the consumer's herpes condition" it doesn't mean late payments are illegal. If they were, the credit bureaus would get sued left and right. You should probably take this video down to save yourself the embarrassment. I am not a lawyer and this is not legal advice.
Bro listen to what u said. “Late Payments are not transactions”. No shit lol Late payments are experiences u had between u and the creditor, which is illegal to be reported. But more importantly, if it wasnt illegal then i wouldn’t have just gotten 2 late payments off my credit card bill all with just ONE letter i sent out 2 times.
Try it before you knock it brother. Then come back with your results. It should work for you too bro
@@ESMorg So did you send a letter saying it’s illegal?
@@kingcaro8486 yes.. and said i’ll take legal action if not corrected..but not that simple. The letter was about two pages long. But they def removed the late payments within 2 weeks
Can I get a copy of your letter?
@@ESMorg i need a copy of that letter also!
This is great, but how do we remove the late payments ?
You need to comprehend the language being used and use it against them
@@DaraineDelevante thank you ! I will use this in a letter
I can show you! I will be having a 5 day challenge October 3-7th where I will be coaching you on how to get any account removed including late payments
www.consumerlawsecrets.com/5DaysChallenge
Nothing in those statement that exclude the rights a creditor have to report a late payment. Sense you have signed an agreement with you and the creditor.
The law is the law you can decide if you wanna be a victim or take your power back that choice is up to you
@@DaraineDelevante show the law that says reporting a late payment is Illegal and show me the law that says a creditor cannot create an agreement that a person signs that will exclude any late payment reporting. I’m waiting 🤔🤔🤔
Banks are smart just take the time to read the terms and agreement to a credit card disclosure. It isn’t a law just ask a consumer lawyer to take on a case to have late payments removed since it a law. Be careful using the word law.
No victim Here. I understand what is legal and what is illegal in the reference of law base of the reference of consumer law and term and agreement consumer sign when entering in an agreement with financial institutions.
I understand credit bureaus we’re create solely to house information on your credit worthiness. That is not illegal as long as it is 100% accurate. It funny you that you tell people that but, I didn’t see how you use that law you say is in place to get the late payments removed. I’m Wait on that dispute letter no that video to show all the subscribers to inform the creditor to remove the late payment because they are breaking the law. Let see how that works.
You put out great content but this one 🤔
Blessing brother
@@wegetthejobdone your are not in contract with a "creditor" a contract requires two signatures does it not. On that alone aren't they operating in a manner that is dishonorable. Should you have the ability to contact them and structure your report as required.
Check this out if the late payment are illegal. Then all the good payments are illegally also. Now how is that going to help someone credit. You can’t force half the rule and discard the other half.
Come on think 🤔 any transaction is illegal doesn’t make a difference if is good or bad. Now to answer your other questions. Yes, has to be sign by both parties. You have to read the small print you entered into a contract and electronically signed and the creditor electronically sign the documents to make it legal.
Now let get deep show me one court case that prove you right and I will shut up. That a late payment is illegal? Just one. I will be waiting. Since I have worked with consumer lawyer I know you won’t find one.
I will be waiting for your response. Courts rule in this country Big time. Dig deeper to get the whole answers.
Thanks for the message.
@@wegetthejobdone uhhh no one said late payments are illegal. The reporting of them is not lawful. That's what the whole video was about. Just because you work with lawyer doesn't mean he or you know everything. And honestly your Proving the point that the system is if credit reporting is broken. But ya boi said in the video is fact tho unless u perceive/interpret law that is far beyond all of our capacities. But that's not the case brotha. Keep doing ya thang I believe your an intelligent brotha. Preciate the response.
Wowwww, interesting, right now I have a lot of late fees from my auto loan on my credit. Where do I get the letter?
I can send the letter to you in pdf format I have the letter with the consumer law in it
@@Thetradelineplug , I could use that letter . Can you please help me ?
@Hector Cano did you get the letter?
@@Thetradelineplug could I get a copy
@@Thetradelineplug can I get a copy as well?
Credit
So how do you go about getting them removed??
You need the right letters and direct them to the creditor not the consumer reporting agencies
By using consumer law! Join my 5 day challenge I will be coaching you on how to get these accounts removed like a pro
www.consumerlawsecrets.com/5DaysChallenge
Ok so what to do with the information 🤔
Now that you have the information get the letters and execute
Interesting. But don’t try this. Arguing this won’t get the late payment removed.
👆My credit score 👆was 571 and I couldn’t get approved for a loan, a car and a house... NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 830, Mr ALFRED he’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a week and he kept to his word. Now I can thank him enough. Get in touch with him today and make a bright future tomorrow. Mr ALFRED they are really the best trust me.
Join my 5 day challenge I will be going over how to remove late payments! More in for below
www.consumerlawsecrets.com/5DaysChallenge
lean back....lol😆
lol
How much for credit repair?
For credit repairs.
Message.
Drewie..consultancy
On
Instagram.
Here
I know everyone wishes that this was true, BUT the credit bureaus are reporting that information as a third party. The bureaus are not the “person” making the report, the actual creditor is. IF it was this easy don’t you think every credit repair company would have exploited this loophole? If you want better credit, start today by controlling your spending and making on time monthly payments. The late payments affect your score less and less over time (4 years) and even collections will fall off after 7. There is no magic bullet even though we all wish there was.
Exactly
Oh please! Just because you’re out of the loop doesn’t mean everyone else is. I’ve removed all sorts of inaccuracies without any issue. You just have to know what you’re doing. By the way your entire premise is wrong. The creditor supplies the information but the reporting agencies create the report. Unless you have sufficient information, a score can’t even be generated by the agencies, and they only have the ability to remove, verify, update or delete information. Aside from the consumer of course
You are falsely assuming all credit repair agencies know every word of the credit laws. Every attorney doesn't know all the laws on their field. No group of professionals are equally informed on the knowledge of their field. You were just given gold and you think it is worthless because everyone would be using it if it were true. Your argument is based on the false assumption that everyone has the same amount of knowledge and information. He just broke down the law by definition. If you find a flaw in the legal argument then you would have a point. His argument was solid because it was based on lawful definitions. The statute is controlled by the definitions.
There are silver bullets in law. Immunities are one such silver bullet in law. Think of the castle doctrine. In some states if someone is breaking into your house while you are at home and they get past the threshold and you shoot them the prosecutor is barred from bringing criminal action against you. Silver bullets are real in law. I've used them to destroy cases in civil and criminal cases. A silver bullet at law destroys the case from going forward. The 5th ammendment is one such thing in criminal cases (sworn complaint under penalty of perjury that a prosecutor cannot sign). In civil cases against banks I use case law that banks can't lend bank's money or depositor's money and use state ucc laws that state that person signing credit agreement funds the loan because that paperwork is a negotiable instrument. Suddenly lawyers withdraw cases because I just showed they are involved in bank fraud. Btw I am not an attorney.
@@kevin5x5 🙌🏽🙌🏽🙌🏽🙌🏽🙌🏽
So so so happy 😉😊 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------My ex had the mentality - if I don't admit it - it didn't happen .She admitted to 2 affairs . Though i can't "prove" it as she liked to throw at me..I am not a person who goes through your phone , or your purse but i got refer to * CREDITMASTERFIX.COM. I don't follow you or your friends . There where signs but denial and wilfully ignorance was something I was good at . For those 3 years the # of people she slept with only slowed down . It didn't stop . I was no saint. Truth be known I should never have asked her to marry me . I was immature , stupid., had no idea what a "good " , healthy relationship was . I had 3 affairs . One before we got married , 2 more about 2 years after we were married . We were together 14 years . Married 12 of them . Divorced in 2018 and to this day I do not trust anyone.
So so so happy 😉😊 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------My ex had the mentality - if I don't admit it - it didn't happen .She admitted to 2 affairs . Though i can't "prove" it as she liked to throw at me..I am not a person who goes through your phone , or your purse but i got refer to * CREDITMASTERFIX.COM. I don't follow you or your friends . There where signs but denial and wilfully ignorance was something I was good at . For those 3 years the # of people she slept with only slowed down . It didn't stop . I was no saint. Truth be known I should never have asked her to marry me . I was immature , stupid., had no idea what a "good " , healthy relationship was . I had 3 affairs . One before we got married , 2 more about 2 years after we were married . We were together 14 years . Married 12 of them . Divorced in 2018 and to this day I do not trust anyone.
I am so impressed -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- A companion of mine alluded me to GlobalFixPro. net promising me he could do large things with my credit. Furthermore, huge things they conveyed! They had the option to eliminate ALL (yes ALL) disparaging things from each of the three agencies. My FICO assessment bounced up 81 focuses to 754. Extraordinary! Furthermore, he pretty much the best to work with ever. He clarified everything plainly and were interminably useful. He's my knights in sparkling shield. I'm renegotiating my home and saving many dollars consistently. I've effectively prescribed him to companions and will proceed to for quite a while to come
👆My credit score 👆was 571 and I couldn’t get approved for a loan, a car and a house... NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 830, Mr ALFRED he’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a week and he kept to his word. Now I can thank him enough. Get in touch with him today and make a bright future tomorrow. Mr ALFRED they are really the best trust me.
So so so happy 😉😊 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------My ex had the mentality - if I don't admit it - it didn't happen .She admitted to 2 affairs . Though i can't "prove" it as she liked to throw at me..I am not a person who goes through your phone , or your purse but i got refer to * CREDITMASTERFIX.COM. I don't follow you or your friends . There where signs but denial and wilfully ignorance was something I was good at . For those 3 years the # of people she slept with only slowed down . It didn't stop . I was no saint. Truth be known I should never have asked her to marry me . I was immature , stupid., had no idea what a "good " , healthy relationship was . I had 3 affairs . One before we got married , 2 more about 2 years after we were married . We were together 14 years . Married 12 of them . Divorced in 2018 and to this day I do not trust anyone.
🤦🏽♀️🤦🏽♀️🤦🏽♀️ what does this have to do with late payments being illegal