+Rishawn Norwood I went to annualcreditreport.com and pulled my credit report online.. I disputed all my credit reports online while I viewed my credit reports. I made a letter asking for proof.. A letter I downloaded online.. Any dispute letter online will help, but make sure it's one asking for proof aka documents.. Then I just waited 30 days.. I didn't have anything major on my credit
This was great, thanks, been searching for "credit fix report" for a while now, and I think this has helped. You ever tried - Fanrayson Creditor Indemnization - (do a google search ) ? Ive heard some great things about it and my buddy got cool success with it.
I used Jamesharden @ programmer . net . I will be honest it took me a week also and some $, I am currently on a 740 . I think I am good with that. USe him
You are spot on with this man, I have learned much after spending an ungodly amount of money repairing my credit on my own, and I found out I never needed to spend that much... when it would have only cost me around $75 to get the same result. There are ways to remove anything derogatory from your credit report(s) , regardless of whether the derogatory item(s) is/are correct or not, but it does take some determination. It is all based on the credit reporting companies having VERIFIED information already in their files in regards to the derogatory mark(s), ( look up verified on the FTC website ). It may take awhile, but it can be done. Just remember the credit reporting agencies are FOR PROFIT companies, and do not want bad press, so if you are diligent, you will have success.. I went from an average credit score of 568 to 745 in about 5 months, but it could have been much sooner if I knew what I do now.
Removing a charge off can be done by negotiating it with a settlement payment if the debt is 100% validated. Also if the debt collector purchased the debt and too over the account the original credit becomes voided and the history can be deleted off of your reports due to the original creditor selling the debt and getting paid for it. Submit to the bureaus an "Obsolete Account" dispute and it will get removed.
@@msjenna4559 I had an EVICTION, JUDGEMENT and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal![Jon@creditpatchup.com]
This video has gold nuggets for days. He's giving you just enough to go find the rest of this out for yourselves,and change your lives. I hope ya'll take heed to this man's advice!!
WOW!! I am glad I ran into your video. I've been paying $99.00 a month for people to handle my bad credit. I appreciate you doing this for us little people. I am on it!!!! definitely will check out your website!!! Thanks!
You are the most honest guy out there I've watched yet! Real tools, real advice, and no BS. No 30 minute long video to watch, only to learn you need to send 50 bucks for this magic wand secret. Thank you!
Hi Mark, I appreciate that. You have to be true to the people. By the way, we have 24 free tools and webinars for our subscribers. I'm not sure if you subscribed yet, but make sure you do. 100percentfinanced.com/
What I don't understand, if you couldn't afford to pay the original creditor, how is a person to find the money to pay the credit agency. The original creditor wanted $50 a month, and the credit agency wants $150 a month.
Thanks for your time, assistance and preparation of a book to provide further guidance. May you have infinite success in your journey to helping others !
There are dispute forms within your free EXPERIAN and EQUIFAX report packets that are mailed to your house. You can make copies of those as well. Transunion does not send one.
Hey 100 Percent Financed thanks for the video, question though. Basically what is going on is that I currently have a derogatory account in my credit report, (uverse account) that was not payed. And is just sitting in my credit report, I don't know how bad it affects my credit or what it will do but I wanna get this removed, I called the credit bureau that is handling this file. And I told them I would pay the full amount as long as they remove this from my credit report, and the lady told me they cannot remove it, they can only update it as payed in full. But cannot be removed, I don't know what to do, I don't know if that is good or is bad or if its foolish to pay. I don't know what to do, can you give me some advice on what to do? I am scared this will affect my credit horribly in the future. What should I do? Thanks!
Great question, but why would you want to wait another two years for it to fall off if you can do it now? Apply, so we can call you for your free consultation. 100percentfinanced.com/fix-my-credit/
The bad news of trying to remove something is that it can REFRESH and start the march towards 24 months before it's not "new" anymore. Also the bad news is you are lying to creditors if the bad mark is true and you are saying it's inaccurate.
So let's say you file bankruptcy and after the bankruptcy is discharged you manage to have it removed from your credit report, you would still have those derogatory accounts on your credit report as charge offs?
Sharing information is really important, there are a lot of people in silence having issues on their credit and don't know who to go to or how to get these issues off. All you need to do is to seek counsel from or hire credit repair experts to work on your credit. That's what i did, and now my credit is excellent.
Hey Vivian! We'd be glad to assist you with this! And not just with credit repair but business funding as well. Schedule a time to speak and we’ll determine how we can best help: app.hubspot.com/meetings/ryan147/services-w-100pf
I owe my weed dealer a couple Hundo' ...How do i go about getting that marked off my street credit or street cred. line for my local dealers so i can get another 1/2 oz ?
never pay a debt collector.. wait the 7 years for it to fall off your street credit report. for now you should go elsewhere to rebuild your street credit. buy in small amounts at first and always pay on time. after about 3 months the dealer will see you are paying on time and up your limit. this is a trick to get you to owe them.. so they can start taxing you. that's why you always keep your balance to a maximum of 30% of your total limit. wait for them to up you to a high ass limit.. max that shit out and skip town with the green.. then you start flipping that shit and you become the creditor.. let me know if you have any questions.
you don't have to pay collection agencies...I repeat you do not have to pay collection any money. they have to prove the debt is yours which they can't because all they do is buy a screenshot of your debt. if you never signed off on anything saying that it was your debt they can not prove it's yours. there is a process to get it off for free and it's not that hard.
tangier mcgowan Most people do not understand the weakness in which collection agencies operate under. First of all, they are second and third party creditors, meaning they are not the original creditor. You see when an account reaches 180 days past due , almost all lenders will charge the account off as a bad debt. Second, most of the time when they buy debt from the original creditor, they are usually only buying a “screen shot,” or paper. What this means is they purchase a portfolio of accounts from the original creditors and they have the option to purchase copies of all the documentation with the file. This documentation does not come free, and can triple or quadruple the price of the portfolio. Collection agencies almost never purchase full documentation, so they are unable to provide legitimate validation. Third, they are buying accounts as a form of investment. Beware that there are times that the debt is also used as a tax loss by the original creditor. That means the debt cannot be collected at a later time as the collector would then obtain UNJUST ENRICHMENT. If, the debt cannot be verified and validated by the debt collector and the collector continues collection activity I may have grounds to sue under the FDCP. When collection agencies are buying debt as an investment. Well that is what that little thing called Unjust Enrichment means and can be used in the court of law, if I ever needed to take it that far. An example of Unjust Enrichment is when a collection agency buys a $ 10,000 debt for $ 200 dollars, then conspires to reap benefits by denying consumers validation of debt request in a scheme to artificially inflate the balance due by adding penalties and interest of up to 200 or 300%. How can they be entitled to anything over the $ 200 dollars they spent? It was an investment to them and they rely on the consumer’s ignorance, financial distress and lack of legal representation to secure a judgment. The Fair Debt Collection Practices Act supports your right to demand a verification and validation of debt, documentary proof that you owe exactly what is claimed. The Act places this right in such high regard that the collector is prohibited from taking any collection action until the validation is provided which I'm most cases it can't be. So If they do not, you can sue for a violation. 1. Send a debt validation letter by certified mail. In the letter you don't even have to deny the debt just say if this is my debt can you prove it basically debt validation letter can also be Googled. 2. If they send back anything stating this is your debt without any proof like just a piece of paper with your name acct# and address is not enough. It has to be something with your signature stating you promise to pay the debt, insurance claims by original creditor or judgements or accounting of the debt or anything that give them permission to collect etc. If they send you something like an Affidavit for Destroyed Instrument don't get scared. Send them a Sworn Affidavit of Denial and get it notarized. I know UPS does it for $10 and bank does it for free if you have a bank acct with them. Basically this denies the debt. You can google sworn affidavit of denial and notarized it's not a lot of information to read. But once the letter is notarized send it certified mail. Send everything mail I know it's ancient but you want a paper trail and copies in case you want to take it to court. 3. After that file a complaint against the collection agency with the Better Business Bureau, Consumers Financial Protection Bureau, and the Department of Consumer Affairs in your state. If they were ignoring you they have to respond now. And have 15 days to come up with a solution and the only solution you want is to have this taken off your credit. Collection agencies are a business; they seek funding and working capital from lenders as well. Therefore they do not want a bad rating with the Better Business Bureau or Department of Consumer Affairs. This is not a long, a hard or expensive process and can be repeated. The longer the collection has been on your credit the easier to fight it. Sorry about the 500pg book but hope it helps.
@ 9:08 to 9:15 The narrator emphasizes: "Do NOT, and repeat, do NOT give them [creditor/collection agency] access to your bank account. Send them a check...." . [Okay, but I am confused. If you DO send them a check, won't they have access to your bank account information (checking account number, name of bank and address, routing number)? Also, @ 9:15 - 9:50 , The narrator mentions to send them [creditor/collection agency] a check with a "restrictive endorsement" on the FRONT of the check, saying that "by cashing this check, the creditor/collection agrees to remove all [negative items] from account. And tells the individual to keep a copy of this (a copy of the written check, before sending it?); And to contact the creditor/collection agency again (does the narrator mean after the check has been cashed?
+ticks4ticks4 And how, exactly, is this "restrictive endorsement on the front of the check, done? What "Speciific information" needs to be written on WHAT part of the front of the check? What account information (the full number of the debtor account to be remedied? The specific name of the creditor/collection agencies? (And the mention of any affiliates or assigns?
It is true that the check has the routing number and account number on it, but this does not give the creditor authorization to use that info to use "ACH" transactions against your account. Giving them authorization to use your account information for ACH transactions is very regulated and they will have to have proof in writing or by verbal authorization on a recorded line that you gave this consent. It's one thing to give them "electronic access to your bank account" i.e. authorizing them to make ACH transactions against your account... if they take more than you agreed to and you disputed it with your bank they could always chalk it up to "oh our bad that was a mistake" and the funds would get reversed by your bank if they concluded it was an error, but at the very least you DID give them authorization to take money out of your account via ACH. If if you NEVER gave them permission in writing or verbally over a recorded line that they could make ACH withdrawals against your account AT ALL and they DO... Holy shit would that be so illegal they'd have no basis to stand on and no proof that you gave them that permission and the consequences of that are much higher than the worth of what they are going to get out of your account by committing bank fraud. I wouldn't worry about that. However, if you want to be extra careful and you have a goal in mind of settling many accounts, just open a second checking account solely for that purpose and use those checks to pay the accounts... and only keep enough money in that account to cover the settlement check(s).
I got an old charge off on TransUnion deleted. But my credit karma score dropped 1pt lol to 594. Being that its near the end of the month, I'm not too worried. Will see what shows up at the beginning of the month. I'm also waiting on two new credit cards to post on my account. I went to Equifax and put in a dispute to have the same charge off to be remove. I'm hoping my credit score jumps to 640-660 range by May 1 2017. Wish me luck
i know this was posted a year ago, but do you still suggest mailing disputes certified mail? what are your thoughts on the "online dispute options" via equifax/transunion websites?
+Mariana Mota I sent a general dispute letter I found online.. Just asking them to verify my debt.. I had 11 medical debts removed and an apartment complex.. Along with a cable bill.. 11 things remove from disputing online.. About 10 grand worth debt.. I'm paying on the debts that stayed.. Which is like 1400.. Beats 10k
+Mariana Mota and I called several companies who did payment plans and the best deal was 7k.. They said hey would work with my creditors... I'm so glad I chose to do it myself instead of hiring someone.. But I had no liens or judgements.. Pretty much medical debt from 5 years ago.
Juan your the absolute BOMB! I'm going to listen to your videos everyday! Ppl pay for the info that you reveal for FREE. You should write a book. I believe that it would be a BEST SELLER.
I was able to get 2 collections remove. I am currently disputing 2 charge offs and inquiries, Trans=14 Equi= 34 Experian= 14. I disputed the inquiries twice with all 3 credit bureaus using 2 different letters siting in my letters that were "unauthorized" and the FCRA that covers unauthorized inquiries. Both times the inquiries came back verified. I just need 1 more collection deleted. 2 charge offs 1 which is supposed to fall off august 2015 but im trying to remove it early. Lastly these DAMN inquiries mentioned earlier ^ (trans=14 Equifax=34 Experian=14).
Much information missing regarding how accounts are to be paid if delinquent vs derogatory. Also misrepresentation as to action to be take on "charge offs".
So if I was disputing something on my credit would I dispute errors (incorrect name/wrong accnt #) one at a time or should I dispute errors and derogatory collection at the same time? I know each derogatory item should be disputed separately I just want to clarify the other half :) Your videos are great by the way. Thanks
James Carrasco do you really think credit repair is rocket science? All these companies do is just send despite letters to all credit bureau and wait and they charge users monthly free service which is absolutely nuts
James Carrasco just spend some little effort on research and you will get the dispute letters for free and I don’t expect anyone to follow me, this is simple things to do, y’all need to stop giving wrong information about “ andy da funds maker” that is surely legit lol . Should change his email To andytookyourmoney@gmail This is ridiculous and nut!!!
I've owned my home for over 10 years but after filing bankruptcy in 2008 they stopped reporting my mortgage. According to the credit bureau reports I have no mortgage. How can I get them to add it and if I do how much will that raise my score?
Hey LaKeisha - this is a fight you can win! You can start learning now. Being that you're interested in credit, check out our free webinar: www.100pfacademy.com/free-training-2/
I just have to testify about this here and let everyone know how best I feel right now. About a couple of months ago I applied for a car loan and it was turned down because my credit score was in a low 500 with some negative elements including (eviction, bankruptcy, and judgment), I was broke. I reached out to a colleague and narrated everything to him, he referred me to John and told me to believe in him. Within 8 days, John raised my credit score to 830 and erased all negative items replacing them with beautiful business lines. I will always be grateful to you for such discreet service. I have arranged a Chexsystem report and a DUI report as well. Write him at [Jon@creditpatchup.com] and consider his work done.
Hi Mr. Credit Repair, Thanks for your lovely video. I tried settling my credit card charged off accounts directly with creditor, they transferred me to collection agency, who now wants at least 50% of debt to be paid, and on top of that they will report this as "Paid less than owed" on credit file, which is worse a Lender wants to see. I want thru your video, and thought of disputing my charged off account, through credit bureaus. My accounts were opened in 2007, first delinquency was in 2011 and same year is the charged off by creditors. Question: Does it really work in case of AE, Citibank, and Discover, that they are really lazy or they don't really care of furnishing proofs to credit bureaus? What if it back fires, they provide verification and credit bureau comes back saying it has been verified?
+Craig Moritz LOL. Actually, I took economics and statistics in college and landed a job with the government shortly after graduating. By the way, I had horrible credit after graduating since I paid myself through college. My desire was to be a real estate investor while working for the government, and I knew I had to repair my credit in order to qualify for mortgages. Yes, you can solve your credit disputes; we have an ebook and group calls showing people how. 100percentfinanced.com/product/do-it-yourself-credit-repair/ Good luck with everything, Craig.
Thanks for commenting. You'll receive value from the RUclips channel as well as through subscribing to our website. You should subscribe to our website in order to receive our free 24 financial tools. 100percentfinanced.com/
Coolio Kuceli. Thanks for viewing and commenting. By the way, we have 24 free tools and webinars for our subscribers. I'm not sure if you subscribed yet, but make sure you do. 100percentfinanced.com/
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies , late payments 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.
I had an EVICTION, JUDGEMENT and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal![Jon@creditpatchup.com]
they took the previous charges off due to me not having the account. Yes they have been charging me for an account and phones that I returned to them within 7 days of opening the trial account. How do I get them to take the last $68.00 off my credit report. I have an 720 credit score and have worked hard at keeping my credit good. This is not due to my negligence. Thank you for your assistance. Dawn
What's up Carlos! Do me a favor, apply for credit repair, so we can call you for your free consultation. Again, that's why we provide free consultation, to answer your questions confidentially instead of on social media where everyone can see. Last, we want to see a recent copy of your credit report to better advise you. 100percentfinanced.com/fix-my-credit/
can I still purchase the ebook repair for 1/2 off? I have never addressed my credit issues and I am getting older and would like to purchase a home. I know realize that this is preventing me from even getting a basic credit card. This has been discouraging but I really want to take baby steps. My funds are low however I really need help and don't mind crawling before I walk. I owe this much to my children
so if I have no mistakes but do not receive a response after sending dispute letter can I still report them to the FTC? what happens after they are reported to the FTC
I just pulled my credit report there's nothing on there one credit card that was paid and closed and a car loan that was paid and closed. Everything that affected my credit happened years ago should I be worried about something that doesn't show on my report even though I know I owe ppl money? Old cell bills, a store card, cable bill and something else I can't remember
Thanks for the comment. How can I be more transparent? I'm always looking for ways to improve. There's more detailed info on business credit at www.100percentfinanced.com.
Thanks. If you're not detailed oriented, great at being on schedule, don't have the time, and don't know the specifics of how to repair credit, then you should outsource it to us. Apply so we can call you for your free ten minute phone consultation. 100percentfinanced.com/fix-my-credit/
Hired Cracked Credit to fix my credit back in August. As of today, all of my credit scores have gone up over 150 points on all 3 credit bureaus. I'm buying a house and could be happier. Best financial investment of my life. I just wish I knew about them sooner, if I fixed my credit 2 years ago I could have bought the same house I'm buying now for $50,000 less, lol. At least I'm getting an interest rate under 4.25%! Anyway, if you're looking for a company to help you fix your credit, I highly recommend going to Cracked Credit Repair (crackedcreditpro@gmailcom) or text at +1 (848) 4433 0202. Those guys never disappoint...
Yes, and no you need to research HIPPA law. The credit bureaus, and collections agencies are scared to death of HIPPA disputes. You can technically sue them out the wazoo for it. Also research fair credit reporting act.
I just have to testify about this here and let everyone know how best I feel right now. About a couple of months ago I applied for a car loan and it was turned down because my credit score was in a low 500 with some negative elements including (eviction, bankruptcy, and judgment), I was broke. I reached out to a colleague and narrated everything to him, he referred me to John and told me to believe in him. Within 8 days, John raised my credit score to 830 and erased all negative items replacing them with beautiful business lines. I will always be grateful to you for such discreet service. I have arranged a Chexsystem report and a DUI report as well. Write him at [Jon@creditpatchup.com] and consider his work done.
So I have a collection agency representing "Household Bank" calling and threatening judgement. A check of credit report with my credit repair agency shows it is not on there. What can I do?
Great question! Order your credit report and see for your self, or let us take a look. Apply here for a consultation: www.100pfacademy.com/credit-repair-service/
I had an EVICTION, JUDGEMENT and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal![Jon@creditpatchup.com]
??. I applied for a credit card and noticed that my credit score dropped 7 points. Granted I'm also in the process of repairing my credit like many people. I appeciate any help.
When you apply for credit you'll receive a hard inquiry. Please apply so we can call you for your free consultation. 100percentfinanced.com/fix-my-credit/
Me and my husband want to apply for a usda loan. They tend to be picky with collections. At the moment, we are working on my husbands credit which will take 6 mon to a year to get it to where it needs to be. He has about 4 or 5 collections (3 of them are past seven years, the rest about 3 years) and one vehicle repossesion that is about 7 years old. I have 3 collections that have been settled about 3 years ago and they are still showing up on my report. We are going to purchase your diy ebook to hopefully remove some of the collections. My question is, should we wait right before our lender summits us to the usda loan to start the diy collection removal incase they do remove it then decide to place it back into the reports? Or should we start the process asap? Aslo, does your ebook help with collections not yet past 7 years only? Or is it also for ones that are past 7 years and still showing on the report? Or even for ones that have been settled but still showing in the report (like mine). I know they each need to be approached differently and I assume that the one past 7 years would be easier to remove.
Hi Karen, Thanks for reaching out and great question. You shouldn't apply for financing at the same time you are disputing negative items on your credit report. Keep in mind, we offer free consultation to all those who apply. 100percentfinanced.com/fix-my-credit/
Hi, I like your video, you sound like a honest man. I will try your methods and hopefully it will help my credit score. I also like your style..God bless you...mike
Thanks for the comment. Cool, if you think this is excellent, then wait until you subscribe to our website to receive our 24 financial tools and access to our free webinars. 100percentfinanced.com/
a collection company mailed me so called proof of an account but i asked for documentation with my signature according to the FCRA section 609 which they don't have now what?
Hi Steve, thanks for reaching out and great question. We'd rather look at your credit report while on the phone with you instead of providing you with credit advice on a RUclips comment. Keep in mind, we offer free consultation to all those who apply. 100percentfinanced.com/fix-my-credit/
Hi Roberta, we'd love to help. We'll have to look at your credit report first. Please apply so we can call you for your free consultation. 100percentfinanced.com/fix-my-credit/
I have two store cards. I have been using them up to 100 percent of their usage. At the end of the month I pay it all off. Does that hurt my credit being it's not 30 percent or less
Medical bills can be dropped if you dispute them with our 609 letters. If you're interested in free consultation, please apply so we can call you for your free consultation. 100percentfinanced.com/fix-my-credit/
i had a short sale in 2013 the second mortgage reported charge off on my credit what should be my course of action ?Is there a way to get rid of it?I dont have any credit card debt everything else is fine.
+depecheddurand Ask your question to us via phone and we'll help you out. Email me at 100percentfinanced@gmail.com for details. The Credit Repair Call has been rescheduled to this Sunday, August 23 at 3pm EST. Mark your calendar! Questions will be taken on a "First Call, First Serve" basis, so please call-in on time. When you call-in, please announce your name and city, then place your phone on mute. I will advise each person as to when they will be able to ask their question. We will not accept any more calls after 3:05pm, so please call-in on time. Last, no question is a stupid question. However, please overview our webpages (webpage is currently down, for it's being renovated by a professional.) and podcast episodes before you join the call, so you can have a basic foundation set in which we can build upon.
But bureaus say if we wan't hear from creditor in 30 days,items will be removed automatically. You said if no response in 35 days,file complaint to FTC. So what to do?
You can do both. If you haven't heard back within the 30 days then write the bureaus again. You can still file a complaint with the FTC. If you need help, apply here: www.100percentfinanced.com/credit-repair-5
I had an EVICTION, JUDGEMENT and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal![Jon@creditpatchup.com]
Hi, why do you want to find the original creditors? If it's in collections, then dispute them first. If they don't fall off, then settle. We can call you for the free consultation if you're interested in enrolling in our credit repair program. 100percentfinanced.com/fix-my-credit/
I have a revolving credit card that is OPEN past due amount 0 but balance is $600. last activity is 2013. will this be removed in the 7-10 years or I have to wait until it is closed to start counting that 7 years? should I get the card in good standings?
+Tanisha Smith Yes, please apply at the link below, so we can call you for your free ten minute phone consultation. 100percentfinanced.com/fix-my-credit/
I did it myself and removed 11 medical debts.. An old cable bill.. And a bad apartment.. Crazy!! Thanks for this video!
+Jae Monroe what did you do if you don't mind me asking?
+Rishawn Norwood I went to annualcreditreport.com and pulled my credit report online.. I disputed all my credit reports online while I viewed my credit reports. I made a letter asking for proof.. A letter I downloaded online.. Any dispute letter online will help, but make sure it's one asking for proof aka documents.. Then I just waited 30 days.. I didn't have anything major on my credit
+Rishawn Norwood like liens, home loans, car loans.. Just what I stated above
+Jae Monroe how did you get the medical bills removed? mine are all medical bills
+Ana Manjarrez I just filed a dispute online
I need to give this guy credit for the video and all he's doing!
Thanks Dave!
juan is the real deal folks. help yourself. growth is possible if you try.
If you want to learn how to improve your credit score fast then go here to find out how: HootCredit. info
This was great, thanks, been searching for "credit fix report" for a while now, and I think this has helped. You ever tried - Fanrayson Creditor Indemnization - (do a google search ) ? Ive heard some great things about it and my buddy got cool success with it.
I used Jamesharden @ programmer . net .
I will be honest it took me a week also and some $, I am currently on a 740 . I think I am good with that. USe him
You are spot on with this man, I have learned much after spending an ungodly amount of money repairing my credit on my own, and I found out I never needed to spend that much... when it would have only cost me around $75 to get the same result.
There are ways to remove anything derogatory from your credit report(s)
, regardless of whether the derogatory item(s) is/are correct or not, but it does take some determination. It is all based on the credit reporting companies having VERIFIED information already in their files in regards to the derogatory mark(s), ( look up verified on the FTC website ). It may take awhile, but it can be done.
Just remember the credit reporting agencies are FOR PROFIT companies, and do not want bad press, so if you are diligent, you will have success..
I went from an average credit score of 568 to 745 in about 5 months, but it could have been much sooner if I knew what I do now.
This guy is a good presenter and knows what he is talking about.
thx Dan.
Removing a charge off can be done by negotiating it with a settlement payment if the debt is 100% validated. Also if the debt collector purchased the debt and too over the account the original credit becomes voided and the history can be deleted off of your reports due to the original creditor selling the debt and getting paid for it. Submit to the bureaus an "Obsolete Account" dispute and it will get removed.
Can you please explain this a little more. I am not following what you are saying.
@@msjenna4559 I had an EVICTION, JUDGEMENT and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal![Jon@creditpatchup.com]
This video has gold nuggets for days. He's giving you just enough to go find the rest of this out for yourselves,and change your lives. I hope ya'll take heed to this man's advice!!
Hi, Glad you're receiving inspiration! If we can do anything else, please check us out here: www.100pfacademy.com/contact-us/
Thanks so much for this info! I removed a derogatory mark last week for FREE! Saved $700 someone said it would cost me.
Great video!!!
to the point, not moving and bouncing all over the video. love this video, will follow!
WOW!! I am glad I ran into your video. I've been paying $99.00 a month for people to handle my bad credit. I appreciate you doing this for us little people. I am on it!!!! definitely will check out your website!!! Thanks!
You are the most honest guy out there I've watched yet! Real tools, real advice, and no BS. No 30 minute long video to watch, only to learn you need to send 50 bucks for this magic wand secret. Thank you!
Hi Mark, I appreciate that. You have to be true to the people. By the way, we have 24 free tools and webinars for our
subscribers. I'm not sure if you subscribed yet, but make sure you do.
100percentfinanced.com/
Thanks for the tip! I actually bought a huge whiteboard as a result--you can see it on my other videos. Take care!
What I don't understand, if you couldn't afford to pay the original creditor, how is a person to find the money to pay the credit agency. The original creditor wanted $50 a month, and the credit agency wants $150 a month.
following your instructions on this video was a fabulously easy. i so appreciate. THANK YOU!!!
Thanks for your time, assistance and preparation of a book to provide further guidance. May you have infinite success in your journey to helping others !
how do you feel about "pay to delete" does this work?
There are dispute forms within your free EXPERIAN and EQUIFAX report packets that are mailed to your house. You can make copies of those as well. Transunion does not send one.
? i have a problem because says i have to mail proof i need to dispute everything because it was not me someone else how to get form
Innerbarbie . Transunion will let you send disputes online at their website. This will work.
Stehanie pink .I know. thank you very much for sharing. ;-)
If you want to learn how to improve your credit score fast then visit this website here: hootcredit.blogspot.com
When you start to pay off debts, your score does increase. Call the orig lender and ask how this will be reported.
Thank you so much for your information my credit score went up 25 points
Hey 100 Percent Financed thanks for the video, question though.
Basically what is going on is that I currently have a derogatory account in my credit report, (uverse account) that was not payed. And is just sitting in my credit report, I don't know how bad it affects my credit or what it will do but I wanna get this removed, I called the credit bureau that is handling this file. And I told them I would pay the full amount as long as they remove this from my credit report, and the lady told me they cannot remove it, they can only update it as payed in full. But cannot be removed, I don't know what to do, I don't know if that is good or is bad or if its foolish to pay. I don't know what to do, can you give me some advice on what to do? I am scared this will affect my credit horribly in the future. What should I do? Thanks!
Where can I get those. dispute letters?
If the debt is over 5 years its best to let it fall off the credit report at year 7.
Great question, but why would you want to wait another two years for it to fall off if you can do it now? Apply, so we can call you for your free consultation. 100percentfinanced.com/fix-my-credit/
The bad news of trying to remove something is that it can REFRESH and start the march towards 24 months before it's not "new" anymore. Also the bad news is you are lying to creditors if the bad mark is true and you are saying it's inaccurate.
So let's say you file bankruptcy and after the bankruptcy is discharged you manage to have it removed from your credit report, you would still have those derogatory accounts on your credit report as charge offs?
Much needed information thanks
What about debt settlement with the bank?
Va K pay for deleted and get everything in writing
Your tone speed and voice is perfect ..awesome information..thank you
Sharing information is really important, there are a lot of people in silence having issues on their credit and don't know who to go to or how to get these issues off. All you need to do is to seek counsel from or hire credit repair experts to work on your credit. That's what i did, and now my credit is excellent.
Hey Vivian! We'd be glad to assist you with this! And not just with credit repair but business funding as well. Schedule a time to speak and we’ll determine how we can best help: app.hubspot.com/meetings/ryan147/services-w-100pf
I owe my weed dealer a couple Hundo' ...How do i go about getting that marked off my street credit or street cred. line for my local dealers so i can get another 1/2 oz ?
Lol
Lmao move to a state where is legal so you can just go to a shop and get it 😂
never pay a debt collector.. wait the 7 years for it to fall off your street credit report. for now you should go elsewhere to rebuild your street credit. buy in small amounts at first and always pay on time. after about 3 months the dealer will see you are paying on time and up your limit. this is a trick to get you to owe them.. so they can start taxing you. that's why you always keep your balance to a maximum of 30% of your total limit. wait for them to up you to a high ass limit.. max that shit out and skip town with the green.. then you start flipping that shit and you become the creditor..
let me know if you have any questions.
Always pay yo dealer or day will put a cap in yo azz.
U stupid lmao
Hello! I was wondering what do you do if you've done a settlement but, didn't get anything in writing? Thank you so much for your time!
cynthia morales i
you don't have to pay collection agencies...I repeat you do not have to pay collection any money. they have to prove the debt is yours which they can't because all they do is buy a screenshot of your debt. if you never signed off on anything saying that it was your debt they can not prove it's yours. there is a process to get it off for free and it's not that hard.
Quan Williams how is it done
tangier mcgowan Most people do not understand the weakness in which collection agencies operate under. First of all, they are second and third party creditors, meaning they are not the original creditor. You see when an account reaches 180 days past due , almost all lenders will charge the account off as a bad debt. Second, most of the time when they buy debt from the original creditor, they are usually only buying a “screen shot,” or paper.
What this means is they purchase a portfolio of accounts from the original creditors and they have the option to purchase copies of all the documentation with the file. This documentation does not come free, and can triple or quadruple the price of the portfolio. Collection agencies almost never purchase full documentation, so they are unable to provide legitimate validation. Third, they are buying accounts as a form of investment.
Beware that there are times that the debt is also used as a tax loss by the original creditor. That means the debt cannot be collected at a later time as the collector would then obtain UNJUST ENRICHMENT. If, the debt cannot be verified and validated by the debt collector and the collector continues collection activity I may have grounds to sue under the FDCP.
When collection agencies are buying debt as an investment. Well that is what that little thing called Unjust Enrichment means and can be used in the court of law, if I ever needed to take it that far. An example of Unjust Enrichment is when a collection agency buys a $ 10,000 debt for $ 200 dollars, then conspires to reap benefits by denying consumers validation of debt request in a scheme to artificially inflate the balance due by adding penalties and interest of up to 200 or 300%. How can they be entitled to anything over the $ 200 dollars they spent? It was an investment to them and they rely on the consumer’s ignorance, financial distress and lack of legal representation to secure a judgment.
The Fair Debt Collection Practices Act supports your right to demand a verification and validation of debt, documentary proof that you owe exactly what is claimed. The Act places this right in such high regard that the collector is prohibited from taking any collection action until the validation is provided which I'm most cases it can't be. So If they do not, you can sue for a violation.
1. Send a debt validation letter by certified mail. In the letter you don't even have to deny the debt just say if this is my debt can you prove it basically debt validation letter can also be Googled.
2. If they send back anything stating this is your debt without any proof like just a piece of paper with your name acct# and address is not enough. It has to be something with your signature stating you promise to pay the debt, insurance claims by original creditor or judgements or accounting of the debt or anything that give them permission to collect etc. If they send you something like an Affidavit for Destroyed Instrument don't get scared. Send them a Sworn Affidavit of Denial and get it notarized. I know UPS does it for $10 and bank does it for free if you have a bank acct with them. Basically this denies the debt. You can google sworn affidavit of denial and notarized it's not a lot of information to read. But once the letter is notarized send it certified mail. Send everything mail I know it's ancient but you want a paper trail and copies in case you want to take it to court.
3. After that file a complaint against the collection agency with the Better Business Bureau, Consumers Financial Protection Bureau, and the Department of Consumer Affairs in your state. If they were ignoring you they have to respond now. And have 15 days to come up with a solution and the only solution you want is to have this taken off your credit. Collection agencies are a business; they seek funding and working capital from lenders as well. Therefore they do not want a bad rating with the Better Business Bureau or Department of Consumer Affairs.
This is not a long, a hard or expensive process and can be repeated. The longer the collection has been on your credit the easier to fight it. Sorry about the 500pg book but hope it helps.
Quan Williams jj
@@quan6079 God Bless you! I'm glad I stumbled across this
At least you are being honest that there are no guarantees
@ 9:08 to 9:15 The narrator emphasizes: "Do NOT, and repeat, do NOT give them [creditor/collection agency] access to your bank account. Send them a check...." . [Okay, but I am confused. If you DO send them a check, won't they have access to your bank account information (checking account number, name of bank and address, routing number)? Also, @ 9:15 - 9:50 , The narrator mentions to send them [creditor/collection agency] a check with a "restrictive endorsement" on the FRONT of the check, saying that "by cashing this check, the creditor/collection agrees to remove all [negative items] from account. And tells the individual to keep a copy of this (a copy of the written check, before sending it?); And to contact the creditor/collection agency again (does the narrator mean after the check has been cashed?
+ticks4ticks4 And how, exactly, is this "restrictive endorsement on the front of the check, done?
What "Speciific information" needs to be written on WHAT part of the front of the check? What account information (the full number of the debtor account to be remedied? The specific name of the creditor/collection agencies? (And the mention of any affiliates or assigns?
It is true that the check has the routing number and account number on it, but this does not give the creditor authorization to use that info to use "ACH" transactions against your account. Giving them authorization to use your account information for ACH transactions is very regulated and they will have to have proof in writing or by verbal authorization on a recorded line that you gave this consent. It's one thing to give them "electronic access to your bank account" i.e. authorizing them to make ACH transactions against your account... if they take more than you agreed to and you disputed it with your bank they could always chalk it up to "oh our bad that was a mistake" and the funds would get reversed by your bank if they concluded it was an error, but at the very least you DID give them authorization to take money out of your account via ACH. If if you NEVER gave them permission in writing or verbally over a recorded line that they could make ACH withdrawals against your account AT ALL and they DO... Holy shit would that be so illegal they'd have no basis to stand on and no proof that you gave them that permission and the consequences of that are much higher than the worth of what they are going to get out of your account by committing bank fraud. I wouldn't worry about that. However, if you want to be extra careful and you have a goal in mind of settling many accounts, just open a second checking account solely for that purpose and use those checks to pay the accounts... and only keep enough money in that account to cover the settlement check(s).
Very informative! Do you offer debt counseling? Thanks.
+Mzleca22 We have a free credit repair call this Sunday, August 23. If you're interested in joining, email me at 100percentfinanced@gmail.com.
Love this video ! Enjoyed watching it !
I got an old charge off on TransUnion deleted. But my credit karma score dropped 1pt lol to 594. Being that its near the end of the month, I'm not too worried. Will see what shows up at the beginning of the month. I'm also waiting on two new credit cards to post on my account. I went to Equifax and put in a dispute to have the same charge off to be remove. I'm hoping my credit score jumps to 640-660 range by May 1 2017. Wish me luck
Hi Antonio, I wish you the best Brother.
What about if the credits agency re-insert that axons again is that posible ?
Ray I paid off everything
the website is down Juan Pablo .. i need the site up bro.. help.!!!!!!
If you want to learn how to improve your credit score fast then visit this website here: hootcredit.blogspot.com
I see you don't remove government student loans, what about private student loans?
i know this was posted a year ago, but do you still suggest mailing disputes certified mail? what are your thoughts on the "online dispute options" via equifax/transunion websites?
I did my disputes online and I got great results.. 11 medical debts removed.. A bad lease and a cable bill
+Jae Monroe ONE QUESTION DID YOU SEND PROOF OF DOCUMENTS OR YOU JUST SEND THEM THE DISPUTE LETTER?
+Mariana Mota I sent a general dispute letter I found online.. Just asking them to verify my debt.. I had 11 medical debts removed and an apartment complex.. Along with a cable bill.. 11 things remove from disputing online.. About 10 grand worth debt.. I'm paying on the debts that stayed.. Which is like 1400.. Beats 10k
+Mariana Mota and I called several companies who did payment plans and the best deal was 7k.. They said hey would work with my creditors... I'm so glad I chose to do it myself instead of hiring someone.. But I had no liens or judgements.. Pretty much medical debt from 5 years ago.
Juan your the absolute BOMB! I'm going to listen to your videos everyday! Ppl pay for the info that you reveal for FREE. You should write a book. I believe that it would be a BEST SELLER.
Thanks Pam; I have a book called Quit Your Day Job. You can get it 100pfgold.com/ It also includes a lot of other resources.
I was able to get 2 collections remove. I am currently disputing 2 charge offs and inquiries, Trans=14 Equi= 34 Experian= 14. I disputed the inquiries twice with all 3 credit bureaus using 2 different letters siting in my letters that were "unauthorized" and the FCRA that covers unauthorized inquiries. Both times the inquiries came back verified. I just need 1 more collection deleted. 2 charge offs 1 which is supposed to fall off august 2015 but im trying to remove it early. Lastly these DAMN inquiries mentioned earlier ^ (trans=14 Equifax=34 Experian=14).
Much information missing regarding how accounts are to be paid if delinquent vs derogatory. Also misrepresentation as to action to be take on "charge offs".
I have paid for the dispute letters but are a little confused on the verbiage.
So if I was disputing something on my credit would I dispute errors (incorrect name/wrong accnt #) one at a time or should I dispute errors and derogatory collection at the same time? I know each derogatory item should be disputed separately I just want to clarify the other half :) Your videos are great by the way. Thanks
Please make a video on charge off not yet in collections.
James Carrasco it’s all about money, don’t trust anyone
James Carrasco Scammer!
James Carrasco why not if you have the right tool to use
James Carrasco do you really think credit repair is rocket science? All these companies do is just send despite letters to all credit bureau and wait and they charge users monthly free service which is absolutely nuts
James Carrasco just spend some little effort on research and you will get the dispute letters for free and I don’t expect anyone to follow me, this is simple things to do, y’all need to stop giving wrong information about “ andy da funds maker” that is surely legit lol . Should change his email
To andytookyourmoney@gmail
This is ridiculous and nut!!!
What about a "small claims court" judgment? Is this considered a "government judgement"??
+ticks4ticks4 no
I've owned my home for over 10 years but after filing bankruptcy in 2008
they stopped reporting my mortgage. According to the credit bureau
reports I have no mortgage. How can I get them to add it and if I do
how much will that raise my score?
Yes, you should contact them to have them add it and it should boost your score if you have a positive payment history.
How can I remove a 15 year old student loan and an eviction that is not showing up on my report
Hey LaKeisha - this is a fight you can win! You can start learning now. Being that you're interested in credit, check out our free webinar: www.100pfacademy.com/free-training-2/
I just have to testify about this here and let everyone know how best I feel right now. About a couple of months ago I applied for a car loan and it was turned down because my credit score was in a low 500 with some negative elements including (eviction, bankruptcy, and judgment), I was broke. I reached out to a colleague and narrated everything to him, he referred me to John and told me to believe in him. Within 8 days, John raised my credit score to 830 and erased all negative items replacing them with beautiful business lines. I will always be grateful to you for such discreet service. I have arranged a Chexsystem report and a DUI report as well. Write him at [Jon@creditpatchup.com] and consider his work done.
What is the payment balance green on side and the side say ok
Hi Mr. Credit Repair,
Thanks for your lovely video.
I tried settling my credit card charged off accounts directly with creditor, they transferred me to collection agency, who now wants at least 50% of debt to be paid, and on top of that they will report this as "Paid less than owed" on credit file, which is worse a Lender wants to see. I want thru your video, and thought of disputing my charged off account, through credit bureaus. My accounts were opened in 2007, first delinquency was in 2011 and same year is the charged off by creditors.
Question: Does it really work in case of AE, Citibank, and Discover, that they are really lazy or they don't really care of furnishing proofs to credit bureaus? What if it back fires, they provide verification and credit bureau comes back saying it has been verified?
He took speech in college.. No ghetto. I think I can solve my credit disputes now.
+Craig Moritz LOL. Actually, I took economics and statistics in college and landed a job with the government shortly after graduating. By the way, I had horrible credit after graduating since I paid myself through college. My desire was to be a real estate investor while working for the government, and I knew I had to repair my credit in order to qualify for mortgages. Yes, you can solve your credit disputes; we have an ebook and group calls showing people how. 100percentfinanced.com/product/do-it-yourself-credit-repair/
Good luck with everything, Craig.
How do you get collection accounts off that was included in your Bankrupcy
+tenesha taylor We'll show you how to do it in our DIY Credit Repair eBook. 100percentfinanced.com/e-books/
so do you need to send them to EVERY credit bureau?
Yes
We have an ebook just in case you're interested. 100percentfinanced.com/e-books/
What if you don't have any active accounts ? But you still want to increase your score?
Great question! Schedule a time to speak and we’ll determine how we can best help: app.hubspot.com/meetings/ryan147/services-w-100pf
Apply for a secured credit card
Your channel is fantastic my man keep up the great content! very helpful and informative videos. new sub. 👍
Thanks for commenting. You'll receive value from the RUclips channel as
well as through subscribing to our website. You should subscribe to
our website in order to receive our free 24
financial tools. 100percentfinanced.com/
awesome information. I am going right now to purchase . between, great momma advice on the shirt LOL..
Coolio Kuceli. Thanks for viewing and commenting. By the way, we have 24 free tools and webinars for our
subscribers. I'm not sure if you subscribed yet, but make sure you do.
100percentfinanced.com/
Great Video. The info is much appreciated.
Thanks!
Thanks for the video. Questions: Can late payments be removed/disputed while an account is still open? If so, how so? Thank you again.
Yes you can! Write a letter challenging it. For more info visit:www.100percentfinanced.com/credit-repair-5
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies , late payments 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.
I had an EVICTION, JUDGEMENT and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal![Jon@creditpatchup.com]
how do you figure out which name the debt is under? It only lists the debt collector info.
How do I remove this video from my list
they took the previous charges off due to me not having the account. Yes they have been charging me for an account and phones that I returned to them within 7 days of opening the trial account. How do I get them to take the last $68.00 off my credit report. I have an 720 credit score and have worked hard at keeping my credit good. This is not due to my negligence. Thank you for your assistance.
Dawn
How do I settle my debt, should I open up a separate checking account to pay the debt ? Should I mail the check ?
What's up Carlos! Do me a favor, apply for credit repair, so we can call you for your free
consultation. Again, that's why we provide free consultation, to
answer your questions confidentially instead of on social media where
everyone can see. Last, we want to see a recent copy of your credit
report to better advise you. 100percentfinanced.com/fix-my-credit/
can I still purchase the ebook repair for 1/2 off? I have never addressed my credit issues and I am getting older and would like to purchase a home. I know realize that this is preventing me from even getting a basic credit card. This has been discouraging but I really want to take baby steps. My funds are low however I really need help and don't mind crawling before I walk. I owe this much to my children
chinewmarie contact me on the facebook.com/100percentfinanced for the discount code.
so if I have no mistakes but do not receive a response after sending dispute letter can I still report them to the FTC? what happens after they are reported to the FTC
I just pulled my credit report there's nothing on there one credit card that was paid and closed and a car loan that was paid and closed. Everything that affected my credit happened years ago should I be worried about something that doesn't show on my report even though I know I owe ppl money? Old cell bills, a store card, cable bill and something else I can't remember
Apply so we can call you for your free ten minute phone consultation. 100percentfinanced.com/fix-my-credit/
How do I fix my credit score? I really need some advice I’m only 21 and I have a 379 😭😭😭
Is it advisable to call the credit bureaus directly and do an over the phone dispute of derogatories?
Thanks for the comment. How can I be more transparent? I'm always looking for ways to improve. There's more detailed info on business credit at www.100percentfinanced.com.
100 Percent Financed thank you for the advise! I'll check out the site.
Love your videos man. Thank you! What are the benefits (if any) in hiring a credit repair agency?
Thanks. If you're not detailed oriented, great at being on schedule, don't have the time, and don't know the specifics of how to repair credit, then you should outsource it to us. Apply so we can call you for your free ten minute phone consultation. 100percentfinanced.com/fix-my-credit/
Some of the web pages for this guy don't work.
Is it legal for creditors to report health debts
Hired Cracked Credit to fix my credit back in August. As of today, all of my credit scores have gone up over 150 points on all 3 credit bureaus. I'm buying a house and could be happier. Best financial investment of my life. I just wish I knew about them sooner, if I fixed my credit 2 years ago I could have bought the same house I'm buying now for $50,000 less, lol. At least I'm getting an interest rate under 4.25%! Anyway, if you're looking for a company to help you fix your credit, I highly recommend going to Cracked Credit Repair (crackedcreditpro@gmailcom) or text at +1 (848) 4433 0202. Those guys never disappoint...
Yes
Yes, and no you need to research HIPPA law. The credit bureaus, and collections agencies are scared to death of HIPPA disputes. You can technically sue them out the wazoo for it. Also research fair credit reporting act.
Where can I purchase the DIY letters mentioned below?
ill send you a free copy of these letters email me at psgjaramillo@gmail.com
100percentfinanced.com/product/total-package-ebook/
can you send me the letter please? tjay019@gmail.com
UNBREAKABLE FILM STUDIOS - please forward copy of letters to me as well thank you cisscomax@gmail.com
Can you please forward a copy to me too, myyole@yahoo.com
30 rental units! Good work 👏🏼
Hi Courtney Walle, Glad you're receiving inspiration! If we can do anything, please check us out here: www.100pfacademy.com/contact-us/
I just have to testify about this here and let everyone know how best I feel right now. About a couple of months ago I applied for a car loan and it was turned down because my credit score was in a low 500 with some negative elements including (eviction, bankruptcy, and judgment), I was broke. I reached out to a colleague and narrated everything to him, he referred me to John and told me to believe in him. Within 8 days, John raised my credit score to 830 and erased all negative items replacing them with beautiful business lines. I will always be grateful to you for such discreet service. I have arranged a Chexsystem report and a DUI report as well. Write him at [Jon@creditpatchup.com] and consider his work done.
Great video! thank you...
So I have a collection agency representing "Household Bank" calling and threatening judgement. A check of credit report with my credit repair agency shows it is not on there. What can I do?
Great question! Order your credit report and see for your self, or let us take a look. Apply here for a consultation: www.100pfacademy.com/credit-repair-service/
I had an EVICTION, JUDGEMENT and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal![Jon@creditpatchup.com]
I have the same problems you have and I meet a guy who help me out of this
This is my number on Whatapp anyone who help +13604476243
Good advice, I will order my 3 full reports, locate derogatory items, and dispute them, help it will work.
Great! I'm glad to see you'll be taking some action!
So if I paid off charged off accounts from 5 years ago charged, I can send them a letter to remove themselves from my credit report?
How much do you charge to get a collection removed.
100percentfinanced.com/fix-my-credit/
hello I have a question
how to remove negative that the statute limitations has been passed . meaning over 10 years.
??. I applied for a credit card and noticed that my credit score dropped 7 points. Granted I'm also in the process of repairing my credit like many people. I appeciate any help.
When you apply for credit you'll receive a hard inquiry. Please apply so we can call you for your free consultation. 100percentfinanced.com/fix-my-credit/
Me and my husband want to apply for a usda loan. They tend to be picky with collections. At the moment, we are working on my husbands credit which will take 6 mon to a year to get it to where it needs to be. He has about 4 or 5 collections (3 of them are past seven years, the rest about 3 years) and one vehicle repossesion that is about 7 years old. I have 3 collections that have been settled about 3 years ago and they are still showing up on my report. We are going to purchase your diy ebook to hopefully remove some of the collections.
My question is, should we wait right before our lender summits us to the usda loan to start the diy collection removal incase they do remove it then decide to place it back into the reports? Or should we start the process asap?
Aslo, does your ebook help with collections not yet past 7 years only? Or is it also for ones that are past 7 years and still showing on the report? Or even for ones that have been settled but still showing in the report (like mine).
I know they each need to be approached differently and I assume that the one past 7 years would be easier to remove.
Hi Karen, Thanks for reaching out and great question. You shouldn't apply for financing at the same time you are disputing negative items on your credit report. Keep in mind, we offer free consultation to all those who
apply. 100percentfinanced.com/fix-my-credit/
Hi, I like your video, you sound like a honest man. I will try your methods and hopefully it will help my credit score. I also like your style..God bless you...mike
Thanks for the comment. Cool, if you think this is excellent, then wait until you subscribe to
our website to receive our 24 financial tools and access to our free
webinars. 100percentfinanced.com/
a collection company mailed me so called proof of an account but i asked for documentation with my signature according to the FCRA section 609 which they don't have now what?
Hi Steve, thanks for reaching out and great question. We'd rather look at your credit report while on the phone with you instead of providing you with credit advice on a RUclips comment. Keep in mind, we offer free consultation to all those who
apply. 100percentfinanced.com/fix-my-credit/
My Equifax score really improved I’m over 800 but those two charge offs on my TransUnion & Experian is lagging a bit.
Congrats on the success Anthony; I wish you much success and check out our website for additional resources www.100percentfinanced.com/.
went to your site, couldn't get out of all the ads. I was looking for the e -book. How can we comunicate?
100percentfinanced.com/e-books/
Need your help.
Thanks
Hi Roberta, we'd love to help. We'll have to look at your credit report first. Please apply so we can call you for your free
consultation. 100percentfinanced.com/fix-my-credit/
If your credit report contains inaccurate information, the CRA must correct it. how do CRA'S determine if the information is inaccurate or not.
I have two store cards. I have been using them up to 100 percent of their usage. At the end of the month I pay it all off. Does that hurt my credit being it's not 30 percent or less
Check your DTC ratio on your credit monitoring service.
Can all medical bills be dropped because of HIPPA laws?
Medical bills can be dropped if you dispute them with our 609 letters. If you're interested in free consultation, please apply so we can call you for your free consultation. 100percentfinanced.com/fix-my-credit/
i had a short sale in 2013 the second mortgage reported charge off on my credit what should be my course of action ?Is there a way to get rid of it?I dont have any credit card debt everything else is fine.
+depecheddurand Ask your question to us via phone and we'll help you out. Email me at 100percentfinanced@gmail.com for details.
The Credit Repair Call has been rescheduled to this Sunday, August 23 at 3pm EST.
Mark your calendar!
Questions will be taken on a "First Call, First Serve" basis, so
please call-in on time. When you call-in, please announce your name and
city, then place your phone on mute. I will advise each person as to
when they will be able to ask their question.
We will not accept any more calls after 3:05pm, so please call-in on time.
Last, no question is a stupid question. However, please overview our
webpages (webpage is currently down, for it's being renovated by a professional.) and podcast episodes before you join the call, so you can have a
basic foundation set in which we can build upon.
Where can I get the letters only and how much?
Hi Whitney, please check out our ebooks for prices and additional information about our dispute letters. 100percentfinanced.com/e-books/
But bureaus say if we wan't hear from creditor in 30 days,items will be removed automatically. You said if no response in 35 days,file complaint to FTC. So what to do?
You can do both. If you haven't heard back within the 30 days then write the bureaus again. You can still file a complaint with the FTC. If you need help, apply here: www.100percentfinanced.com/credit-repair-5
@@100percentfinanced thank you
I had an EVICTION, JUDGEMENT and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal![Jon@creditpatchup.com]
Cool Jose I’m waiting for my 2 come off
How can one find original creditors to pay after debts have been passed around by collection agencies??
Hi, why do you want to find the original creditors? If it's in collections, then dispute them first. If they don't fall off, then settle. We can call you for the free consultation if you're interested in enrolling in our credit repair program. 100percentfinanced.com/fix-my-credit/
hi, what about tax liens? If it's paid?
You can still dispute it to get it off your credit reports.
I have a revolving credit card that is OPEN past due amount 0 but balance is $600. last activity is 2013. will this be removed in the 7-10 years or I have to wait until it is closed to start counting that 7 years? should I get the card in good standings?
Jam ella $600??? Just pay it!
Report shows show account as open , and last activity in 2013. Request for accurate and removal@mella
What if a person didn't pay back a credit card that got closed ?
Hey Phil, Good question!
Schedule a time to talk here in detail and we'll be happy to discuss: app.hubspot.com/meetings/ryan147/services-w-100pf
You will have to pay soon or later to get it off your credit report, but you can actually get it cleared like mine
Max sherwood how’d you get it cleared?
UptownOriginal you can settle and request a pay for delete
Should I still pay the debt from derogatory mark if it has came off I'm wondering should I pay the judgement since it came off my credit
Dispute first; We can dispute that too. Please apply, so we can call you to look over your credit report. 100percentfinanced.com/fix-my-credit/
So you can get repos off too???
+Tanisha Smith Yes, please apply at the link below, so we can call you for your free ten minute phone consultation. 100percentfinanced.com/fix-my-credit/
Ok
100 percent financed can a eviction be disputed or will I have to pay that balance off?
We sure can. If you're interested in credit repair,
please apply so we can call you for your free consultation. 100percentfinanced.com/fix-my-credit/
100 Percent Financed do u do tradelines