Ay my guy this is some real step by step DIY sauce, GRATITUDE!!!! I may have to reroute my methods....FYI, guys cleanup your personal info first!! He mentions it multiple times about removing personal information and there are multiple ways of doing so but you want to do that first. 1) Personal Info 2) Inquiries 3) Late payments 4) Charge-Offs....take you time with each method, stay organized, and be patient.
I found your videos on January 30-31st, did the personal info video first, went after my 3 collections, today, February 5th, all the personal info is gone, collections are gone my credit score jumped 67 points as a preliminary calculation before it reports. Late payments and closed accounts are next. Thank you.
Thank you so much you’ve helped me reduce my debt from $4800 to $1880!!! No joke y’all! My credit is back up to 70 points (across all credit bureaus) . I also notice with the positive history and balance now and increased credit score, for the first time I am eligible for a un-secured credit card! Going to go after more hard inquiries and focus on adding good credit history and boosting my score back up to 725 like it was some years back. Thanks Stephen!
Hey Stephen can I receive your advice? I just got an email from Experian saying their role in disputes is to verify info according to the Fair Credit Act blah blah etc lol and it asks me to send over my ID and verify name and address, and that they will review the info with a creditor I disputed to verify the info matches essentially- do I give this info to experience to further look into the dispute or not? Is there any impact to me if I just ignore it? I don’t feel the need for further review as I’m satisfied with the collections being dropped and my score going up. Much appreciated please!
I bought the book just because you’re a great help. Still have a few more items to go. Everyone needs to buy this man’s book. No such thing as free success.
Yea, I need to do this now while it still works. Once the word gets out, its over. I have a feeling this has been known for a while but people kept it a secret. Thanks for letting the pleebs in on the secret.
This isn’t new like you said it’s been around for a while it’s called a credit sweep by most people I think it’ll be be fine some people on other RUclipsrs bigger than me have already use this same method in a different style
Hello. Thanks for this educational video, I have a question I’m stuck on personal information removal due to an addrsss being attached to an open account.. any advice? I really need it 😩
Yes follow my hard inquiry removal video, there’s a section that says “address” add the address you want to remove and submit the complaint through the CFPB the address will get removed
So far using your methods I got rid of personal information that didn't need to he on my reports and hard inquiries. Now I'm working on collections. You are doing a great service woth your information 💪🏽👊🏽👌🏽
@@reginaldcharles3395 If you didn’t have a written or oral agreement with that company and you don’t recognize that company as someone you had business with before it’s considered fraud legally. Think about this the other way of deleting collections is asking for them to verify the account, they get deleted because there’s no way to verify the accuracy of the information this is no different than sending method of validation letters except it’s more direct and faster. However, if you still don’t feel comfortable send me an email and I’ll send you templates to remove collections they work the same way just takes a few more steps this will work with collections and hard inquiries 🙏🏾
Hello I have watch so many videos on how to repair my credit and I find yours as the best of the best.I have done the step one verification process,I do have 1 question.I have a repo which about 8k on my report,it is not with other company but the bank itself.If I do this process will I get sued?
Technically the bank can pursue legal action at any time whether the account is on your credit report or it’s not. I suggest looking up your states statute of limitations for debt collection. There is a certain amount of time they can sue you after that time has passed you cannot be sued here is a video that might help ruclips.net/video/AGSBLhzPDng/видео.htmlsi=EJYwVxg73_yOYFuh
@@Successwithstephensmith I appreciate you so much thank you for everything. along with this comment, I was data breached as well and my information is on the dark web. I should’ve asked you this question, but isn’t that a sign of fraud and stolen identity as well which I have reported and had to report it again people are calling me asking me to verify my social and my information and I don’t happen just here and there it happens quite often, and I’m told that my information is dark web and I have been breached. I also realize that I have disputed things in the past a couple of times I have screenshots. I have talked to all the credit bureau about this situation. Unfortunately, they put it back on my credit report again and again I read and found out that that was illegal, and I also talked to consumers protection.. they told me it was illegal and it was wrong and make sure that I reported seeing you demonstrate and give us so much wonderful information. I see that they were telling the truth. I didn’t know how to go about doing it. Appreciate everything you are doing. Do you have any suggestions on my situation?? Thank you again🙏🏽🙏🏽💙💙💙🫡💎
I followed yours steps diligently and successful with trans and Equifax but a blockage with Experian. I have gotten 2 responses from them. Which states “we were unable to honor your request- Relevant information was illegible or blocked out.” Also “Please explain why the information was inaccurate”. This is the 2nd time I am getting the same response, can you help??
Sounds like your disputing a charge off, if so make sure all old personal information that’s associated with the account is removed from Experian (could be an old address) also when you send in docs makes sure nothing is masked or hidden, that could be the relevant information blocked out, if that’s not the issue you can disregard that and move on to round 3 submit your factual dispute.
@@nicoli8381 that happens with Experian, you can call them and ask them remove the information or create an affidavit like the other videos but instead of adding accounts or hard inquiries add the address and submit it through the CFPB either way can get the addresses deleted
So I lost my husband 5 years ago unexpectedly. I was 7 months pregnant with 2 lil ones at home. In the blink of an eye I lost my best friend and everything else. Since then my credit has been crap. I couldn't afford to keep up and feed the kids so I've been waiting for all the collections to fall off. I have 11 charge offs on my credit. All but 3 are with debt collectors the others with the original creditor. I have 2 yrs left before they fall off. Will what you did work for me? My truck just took its last breathe and although I can afford the payment now no one will finance me with my credit score.
I truly do appreciate your time and knowledge. Question? As far as the indetity theft site, what is the best way to handle if I have 3 types of collection on Experian report. One is credit card, one is insurance and last 2 are medical. Thank you!
If they’re all collection accounts you can handle them all the same way. Follow the steps to remove collections and use the same method for all the accounts
Will this method work for a car insurance collections item? Will it work if I already lost my disputes with the Credit reporting agencies directly? 2 months ago, before I found this video, I disputed a collections with all 3 Credit Bureaus directly. Interestingly, Experian removed it but I lost my disputes with transunion and equifax. They said "account information disputed by consumer meets FCRA requirements".@@Successwithstephensmith
Stephen, a question on late payments: I have 30,60,90,120,150 all the way to charge off, and based on your video, you do not want us to tackle all late payments at once, so shall I pick 120 and 150 as one unit, wait for them to be cleared/deleted first and then go down the order?
If the account is charged off I wouldn’t worry about trying to update the late payments I would focus on round 1-3 and factually disputing that account to get it removed. If I’m understanding you correctly
I might have misunderstood your videos then, yes I do have a charge off on the same account that also have late payments listed, since this is a paid chargeoff so then my focus should be then on a factual dispute of charge off, is that correct?
Sweet, I know its going to be a marathon with chargeoffs, but gotta start somewhere, thank you for your education and love the ebook with the templates, makes it so much easier!
Appreciate the video Stephen, I messed up in step 2 of the CFPB Complaint. I put that I did try to fix the problem but somehow hit no for requesting info. Do I need to just wait it out before attempting again?
@@Successwithstephensmith Basically I’ve been at 60 days late for a year and a half. I make a payment every month to keep it from hitting 90 days and getting repoed. Would I have to have the account current to start getting the late payments removed? And if I can only do 2 at a time do I start from last year or the most current? Thank you for responding also 🙏🏾
Hi Stephen, thanks so much for your willingness to help and share. You are appreciated. Leaving a legacy it's about. Question, I have disputed the 2 collections I want to remove already. Should I remove the notices of dispute before I do the id theft method? Thanks alot!! Also, what is the legality that safe guards this approach? It won't come back to bite will it?. Not suggesting that you would put us in harms way😊
Hello how are you? Thank you for watching, for the collections you previously disputed you don’t need to change the notice of dispute I do recommend making sure all old personal information is removed, old address, phone numbers, all employer information etc. Also If you didn’t have a written or oral agreement with that company and you don’t recognize that company as someone you had business with before it’s considered fraud legally. Think about like this the other way of deleting collections is asking for them to verify the account, they get deleted because there’s no way to verify the accuracy of the information this is no different than sending method of validation letters except it’s more direct and faster. However, if you still don’t feel comfortable send me an email and I’ll send you templates to remove collections they work the same way just takes a few more steps 🙏🏾 info@succeesswithstephensmith.com
What do i do if items are coming back onto my report after 60 days ? Bring my credit score down is there something i can do to get them back off and keep them off
Double check your personal information, make sure any old addresses, employers, phones etc are removed from your credit report that way the accounts cannot be verified and put back on to your report
Hey. How can I apply an of this information to being on the Chexsystem? Also should I begin with that then start with repairing my general banking accounts and debts or start with my credit. Also, should I use the collections letter for the ChexSystem issues?
Did you receive a response from TransUnion and Equifax? If you haven’t received anything from them in regards to your request I would wait before submitting any further disputes.
The CFPB will always close out all disputes in 60 days, you will not look to them for updates on your dispute, instead create a free account with Experian, Equifax and Transunion. You’ll get real time updates on each dispute and you can respond with another CFPB complaint whenever the credit bureaus respond. If the account gets verified or updated then you proceed to the next round of dispute.
Hey, did this but it has been 15+ days but nothing yet. Do you offer services that my company can pay for to get your personal help? I emailed you but go no correspondence back. Thanks!
Someone else mentioned they emailed me and I didn’t receive it, I’ll have to look into it. Can you go to my channel page and find the website link. Send me an email through there and give me a description of what you’re disputing. I’m assuming you’re speaking about a charge off since there’s no one size fits all when disputing those, it has to be tailored to your credit profile. If that’s the case I can tell you some ways to approach it but I don’t offer credit repair services. I do offer a 1:1 coaching for 30 minutes but I like to get an idea of what you’re asking in case it’s something I can answer fast.
Stephen, I am going through the pdf I just purchased from your website . I have had few charge offs that were recently paid off for less than what I owe by going through a debt settlement company. The debt settlement company said they will only dispute any charge offs that are still showing as non zero balance, but they wont be able to delete those items. I now want those charge offs to be gone altogether and need your advise how to go about this: My Questions: 1. Do I first go through the credit reports and tackle the late payments and any collections. Shall I expect my score to increase after this or may only see after the charge offs are deleted? 2. Once above all are gone, then shall I go with the Charge off letters starting at letter 3 i.e. factual based evidence? Thanks
I would take care of late payments and collections and the same time. I would save charge offs for last (as the factual disputes do tend to take more time) you are able to do all at the same time but it can get difficult to keep up with all the complaints you will see a huge increase with late payments and a descent increase with the collections being removed
Yeah, I just paid for delete one collection a few days ago and will also do my other charge off that is in the process of becoming a collection but I’m now worried about the original creditor charge offs that will still be in my report. However, in my 3 annual credit reports it says that the debts have been “charged off, written off”, so will I still be receiving a 1099c? Can the original creditors sell to a debt collector if they’re still planning on sending out a 1099c later on?
If the account was written off you can use that to get the account deleted, a charge off shouldn’t be reporting if the account was sold to a collection agency. You can then turn around and dispute the collection effectively removing both from your credit report. You should have received a 1099-C by now, I would call and verify if it’s been sent out. Either way though it sounds like you’ll be able to get the account removed.
@@Successwithstephensmith If in my credit report I have $0 balance and it says “Account charged off, $695 written off.” That means they can’t sell it anymore? They just sold it on 2/29 to portfolio recovery associates and in the comment it says purchased by another lender. The account has been re aging bc they keep reporting CO in the monthly payment reports which I was going to use to dispute it but should I pay the collection first or straight up dispute and go for the 1,2,3+ rounds of disputing? The Collections agency hasn’t contacted me yet as it’s new I guess.
@@David-pf8nx you can actually screenshot the where it says they sold the account and tell them to delete I did the same thing with my capital one account, you can skip the 3 rounds and simply state that. If they have the account and the collection that’s double jeopardy it has to be removed.
@@Successwithstephensmith but I would need to get a 1099c from them eventually? I haven’t received one that’s the thing, it was co in oct 2022 and i never received the 1099c, i moved as well so i checked my wage and income transcripts but they didn’t show there.
Ay my guy this is some real step by step DIY sauce, GRATITUDE!!!! I may have to reroute my methods....FYI, guys cleanup your personal info first!! He mentions it multiple times about removing personal information and there are multiple ways of doing so but you want to do that first. 1) Personal Info 2) Inquiries 3) Late payments 4) Charge-Offs....take you time with each method, stay organized, and be patient.
You’re welcome!!! 🙏🏾
I found your videos on January 30-31st, did the personal info video first, went after my 3 collections, today, February 5th, all the personal info is gone, collections are gone my credit score jumped 67 points as a preliminary calculation before it reports. Late payments and closed accounts are next. Thank you.
Glad to hear it! Congratulations 🎉🍾🎊
Wym all the personal info is gone ? ALL like not even 1 address?
You want to keep 1 address, but any additional (old) information would be deleted@@jaysteph3167
Dude I legit just got all collections removed now on to the charge offs appreciate it bro you a real one🔥🔥
Awesome! Glad to hear it. Thanks for watching 🙏🏾
Thank you so much you’ve helped me reduce my debt from $4800 to $1880!!! No joke y’all! My credit is back up to 70 points (across all credit bureaus) . I also notice with the positive history and balance now and increased credit score, for the first time I am eligible for a un-secured credit card! Going to go after more hard inquiries and focus on adding good credit history and boosting my score back up to 725 like it was some years back. Thanks Stephen!
Congratulations 🎉 Thank you watching! I appreciate it 🙏🏾
You’re welcome and you’re awesome dude!
Hey Stephen can I receive your advice? I just got an email from Experian saying their role in disputes is to verify info according to the Fair Credit Act blah blah etc lol and it asks me to send over my ID and verify name and address, and that they will review the info with a creditor I disputed to verify the info matches essentially- do I give this info to experience to further look into the dispute or not? Is there any impact to me if I just ignore it? I don’t feel the need for further review as I’m satisfied with the collections being dropped and my score going up. Much appreciated please!
*Experian not experience haha. & btw it doesn’t specify who the creditor(s) is.
I bought the book just because you’re a great help. Still have a few more items to go.
Everyone needs to buy this man’s book. No such thing as free success.
Thank you!!!! I appreciate your support
Love you my Brother
You are a REAL AMERICAN HERO 🤩🤩🤩
Thank you! 🙏🏾
I did late payment on Sunday want g the results your info and instructions were so easy to follow I appreciate you Mr Smith
Awesome! Keep me updated with your progress please 🙏🏾
results?
You're amazing; I reduced my collections from eight to two in less than 30 days.
🎊🎉🙌🏾
Yea, I need to do this now while it still works. Once the word gets out, its over. I have a feeling this has been known for a while but people kept it a secret. Thanks for letting the pleebs in on the secret.
This isn’t new like you said it’s been around for a while it’s called a credit sweep by most people I think it’ll be be fine some people on other RUclipsrs bigger than me have already use this same method in a different style
Ok, thanks again. Looking forward to your online business videos. @@Successwithstephensmith
Can you use this credit sweep in your business like if you do credit repair ?
Hello. Thanks for this educational video, I have a question I’m stuck on personal information removal due to an addrsss being attached to an open account.. any advice? I really need it 😩
Yes follow my hard inquiry removal video, there’s a section that says “address” add the address you want to remove and submit the complaint through the CFPB the address will get removed
Hey stephen! Do you know how to remove court records from your credit report?
Unfortunately I do not
So far using your methods I got rid of personal information that didn't need to he on my reports and hard inquiries.
Now I'm working on collections.
You are doing a great service woth your information 💪🏽👊🏽👌🏽
Thanks for watching! 🙏🏾
Thanks!!following your steps removing some collections.I removed about $30,000 in collections
AMAZING!!! Glad to hear it 🙌🏾
Removing inquiries and Collections does reporting identity theft have any repercussions?
@@reginaldcharles3395 If you didn’t have a written or oral agreement with that company and you don’t recognize that company as someone you had business with before it’s considered fraud legally. Think about this the other way of deleting collections is asking for them to verify the account, they get deleted because there’s no way to verify the accuracy of the information this is no different than sending method of validation letters except it’s more direct and faster. However, if you still don’t feel comfortable send me an email and I’ll send you templates to remove collections they work the same way just takes a few more steps this will work with collections and hard inquiries 🙏🏾
@@Successwithstephensmith what if you have a payment plan with those companies? what letter should I use?
Hello I have watch so many videos on how to repair my credit and I find yours as the best of the best.I have done the step one verification process,I do have 1 question.I have a repo which about 8k on my report,it is not with other company but the bank itself.If I do this process will I get sued?
Technically the bank can pursue legal action at any time whether the account is on your credit report or it’s not. I suggest looking up your states statute of limitations for debt collection. There is a certain amount of time they can sue you after that time has passed you cannot be sued here is a video that might help
ruclips.net/video/AGSBLhzPDng/видео.htmlsi=EJYwVxg73_yOYFuh
@@Successwithstephensmith - Thank you so much for the quick response.I appreciate your time.Take care and God bless you.
I got mine and thank you so much.
Thanks!
Thank you 🙏🏾
What if yiur personal information was exposed in a data breach? Wouldn't that strengthen your claim for fraud ?
Yes it would
@@Successwithstephensmith I appreciate you so much thank you for everything. along with this comment, I was data breached as well and my information is on the dark web. I should’ve asked you this question, but isn’t that a sign of fraud and stolen identity as well which I have reported and had to report it again people are calling me asking me to verify my social and my information and I don’t happen just here and there it happens quite often, and I’m told that my information is dark web and I have been breached. I also realize that I have disputed things in the past a couple of times I have screenshots. I have talked to all the credit bureau about this situation. Unfortunately, they put it back on my credit report again and again I read and found out that that was illegal, and I also talked to consumers protection.. they told me it was illegal and it was wrong and make sure that I reported seeing you demonstrate and give us so much wonderful information. I see that they were telling the truth. I didn’t know how to go about doing it. Appreciate everything you are doing. Do you have any suggestions on my situation?? Thank you again🙏🏽🙏🏽💙💙💙🫡💎
Would I be able to remove a joint account,180days late, paid and closed ?
Yes you would, even though it’s not charge off you can get it removed or you find inaccurate information on the account
@@Successwithstephensmith Ok thank you !
I followed yours steps diligently and successful with trans and Equifax but a blockage with Experian. I have gotten 2 responses from them. Which states “we were unable to honor your request- Relevant information was illegible or blocked out.” Also “Please explain why the information was inaccurate”. This is the 2nd time I am getting the same response, can you help??
FYI I sent them using identityIQ
Sounds like your disputing a charge off, if so make sure all old personal information that’s associated with the account is removed from Experian (could be an old address) also when you send in docs makes sure nothing is masked or hidden, that could be the relevant information blocked out, if that’s not the issue you can disregard that and move on to round 3 submit your factual dispute.
I tried getting all my personal info off and they came back and said they couldn't delete certain info because it was linked to a collection account
@@nicoli8381 that happens with Experian, you can call them and ask them remove the information or create an affidavit like the other videos but instead of adding accounts or hard inquiries add the address and submit it through the CFPB either way can get the addresses deleted
So I lost my husband 5 years ago unexpectedly. I was 7 months pregnant with 2 lil ones at home. In the blink of an eye I lost my best friend and everything else. Since then my credit has been crap. I couldn't afford to keep up and feed the kids so I've been waiting for all the collections to fall off. I have 11 charge offs on my credit. All but 3 are with debt collectors the others with the original creditor. I have 2 yrs left before they fall off. Will what you did work for me? My truck just took its last breathe and although I can afford the payment now no one will finance me with my credit score.
Thanks!
Thank you!! 🙏🏾
I truly do appreciate your time and knowledge. Question? As far as the indetity theft site, what is the best way to handle if I have 3 types of collection on Experian report. One is credit card, one is insurance and last 2 are medical. Thank you!
If they’re all collection accounts you can handle them all the same way. Follow the steps to remove collections and use the same method for all the accounts
@@Successwithstephensmith you are a true man after assisting others to win! Once again thank you and appreciate you!
My collections accounts are paid off. They are labeled as collections on my reports and a 3rd party owns it. Should I approach them like charge-offs?
Try the collections removal method first if it doesn’t get removed then yes approve. It like a charge off
Bet. Thanks for the response. @@Successwithstephensmith
Will this method work for a car insurance collections item? Will it work if I already lost my disputes with the Credit reporting agencies directly? 2 months ago, before I found this video, I disputed a collections with all 3 Credit Bureaus directly. Interestingly, Experian removed it but I lost my disputes with transunion and equifax. They said "account information disputed by consumer meets FCRA requirements".@@Successwithstephensmith
Can you do this. I don't have the time and I can't make time up and I'm drowning. Do you do the repairs? I will pay well.
No I don’t offer any credit repair services, I would try and break up the time when you can even it’s only one account per day.
do this include if your credit is run for cars.
If you’re referring to hard inquiries DEFINITELY 👍🏾 💯 check the time stamp for the hard inquiry removal process.
Stephen, a question on late payments: I have 30,60,90,120,150 all the way to charge off, and based on your video, you do not want us to tackle all late payments at once, so shall I pick 120 and 150 as one unit, wait for them to be cleared/deleted first and then go down the order?
If the account is charged off I wouldn’t worry about trying to update the late payments I would focus on round 1-3 and factually disputing that account to get it removed. If I’m understanding you correctly
I might have misunderstood your videos then, yes I do have a charge off on the same account that also have late payments listed, since this is a paid chargeoff so then my focus should be then on a factual dispute of charge off, is that correct?
@@RGX2178 correct you can go straight into a factual dispute and get the account removed
Sweet, I know its going to be a marathon with chargeoffs, but gotta start somewhere, thank you for your education and love the ebook with the templates, makes it so much easier!
@@RGX2178 You're welcome! I'll be here if you have anymore questions
Appreciate the video Stephen, I messed up in step 2 of the CFPB Complaint. I put that I did try to fix the problem but somehow hit no for requesting info. Do I need to just wait it out before attempting again?
No it’s okay you can leave it for now, worst case they may close the complaint and you can resubmit it
@@Successwithstephensmith good looking out and i appreciate your work
Will these removals work while my credit reports are frozen by lexisnexis and etc?
Yes this will still work
I have 18 late payments on one auto loan. can i either remove the late payments or just remove the entire account off of my credit profile?
Yes you can do one or the other as longs as account is closed if it’s active you’ll have to remove the late payments
@@Successwithstephensmith Basically I’ve been at 60 days late for a year and a half. I make a payment every month to keep it from hitting 90 days and getting repoed. Would I have to have the account current to start getting the late payments removed? And if I can only do 2 at a time do I start from last year or the most current? Thank you for responding also 🙏🏾
Damn.. This guy.. LEGEND!!
🙏🏾
We would love you to touch on student loans
That’s a good idea, I will add this to my list
@Successwithstephensmith we appreciate you bro
Did you get to making one about student loans@@Successwithstephensmith
Hi Stephen, thanks so much for your willingness to help and share. You are appreciated. Leaving a legacy it's about. Question, I have disputed the 2 collections I want to remove already. Should I remove the notices of dispute before I do the id theft method? Thanks alot!! Also, what is the legality that safe guards this approach? It won't come back to bite will it?. Not suggesting that you would put us in harms way😊
Hello how are you? Thank you for watching, for the collections you previously disputed you don’t need to change the notice of dispute I do recommend making sure all old personal information is removed, old address, phone numbers, all employer information etc. Also If you didn’t have a written or oral agreement with that company and you don’t recognize that company as someone you had business with before it’s considered fraud legally. Think about like this the other way of deleting collections is asking for them to verify the account, they get deleted because there’s no way to verify the accuracy of the information this is no different than sending method of validation letters except it’s more direct and faster. However, if you still don’t feel comfortable send me an email and I’ll send you templates to remove collections they work the same way just takes a few more steps 🙏🏾 info@succeesswithstephensmith.com
You are AWESOME! Thanks so much.
@@alethearichards641 you’re welcome 🙌🏾
Does this work for removing auto loan inquires?
Yes it does
How long does it take to do the inquiry removals? I did it thursday and today is monday should I wait a week?
Yeah that’s normal, it’s been 7 days as of late. last time I did it that’s around how long it took and that was maybe 2-3 weeks ago
What do i do if items are coming back onto my report after 60 days ? Bring my credit score down is there something i can do to get them back off and keep them off
Double check your personal information, make sure any old addresses, employers, phones etc are removed from your credit report that way the accounts cannot be verified and put back on to your report
Hey. How can I apply an of this information to being on the Chexsystem? Also should I begin with that then start with repairing my general banking accounts and debts or start with my credit. Also, should I use the collections letter for the ChexSystem issues?
You can dispute information with chexsystems on the website. Create an account and get your report first
@@Successwithstephensmith So should I be freezing my info with Lexis Nexis, etc. first then dispute?
@@egypthenry6966 you don’t have to freeze it, it’s not going to affect your dispute process
Okay, Stephen I got everything removed but It only came off on Experian not the others. Do I need to submit it somewhere else?
Did you receive a response from TransUnion and Equifax? If you haven’t received anything from them in regards to your request I would wait before submitting any further disputes.
How do I get your book?
Go to successwithstephensmith.com/
Just bought it fam!!!
Thank you bro! Appreciate it 🙏🏾
how do i do the second round complaint. Do i submit a new complaint or submit it as feedback?
The CFPB will always close out all disputes in 60 days, you will not look to them for updates on your dispute, instead create a free account with Experian, Equifax and Transunion. You’ll get real time updates on each dispute and you can respond with another CFPB complaint whenever the credit bureaus respond. If the account gets verified or updated then you proceed to the next round of dispute.
@@Successwithstephensmith i understand that but im asking where do i submit the second round of disputes.
I submitted a theft report to Experian to get 19 inquiries taken off but they only removed 4 . What can I do to get the rest removed.
That may have been too many at one time I submit another and do 7-10 and then whatever is left
Also if the hard inquiries are attached to accounts you want to keep don’t add those
@@Successwithstephensmith OK Thank you I will try it
@@russellgrigsbyii5802 👍🏾
Do u have a video on bankruptcy?
Unfortunately no, I may do something in the future but not yet
please do one on bankruptcy @@Successwithstephensmith
Hey, did this but it has been 15+ days but nothing yet. Do you offer services that my company can pay for to get your personal help? I emailed you but go no correspondence back. Thanks!
Someone else mentioned they emailed me and I didn’t receive it, I’ll have to look into it. Can you go to my channel page and find the website link. Send me an email through there and give me a description of what you’re disputing. I’m assuming you’re speaking about a charge off since there’s no one size fits all when disputing those, it has to be tailored to your credit profile. If that’s the case I can tell you some ways to approach it but I don’t offer credit repair services. I do offer a 1:1 coaching for 30 minutes but I like to get an idea of what you’re asking in case it’s something I can answer fast.
With the late method normally how long does it take for them to update late payments?
Could be as soon 2 days I’ve seen it take as long as 2 weeks
Bro your response time is impeccable....
I used the collection method on a family members report and it was gone in 4days submitted it on a Saturday it was gone Thursday morning
I'm still learning the credit space but you had a few strategies that works for me....thank you
How much is your ebook?
How much do you charge to do credit repair
I don’t offer any credit repair services
Stephen, I am going through the pdf I just purchased from your website . I have had few charge offs that were recently paid off for less than what I owe by going through a debt settlement company. The debt settlement company said they will only dispute any charge offs that are still showing as non zero balance, but they wont be able to delete those items. I now want those charge offs to be gone altogether and need your advise how to go about this:
My Questions:
1. Do I first go through the credit reports and tackle the late payments and any collections. Shall I expect my score to increase after this or may only see after the charge offs are deleted?
2. Once above all are gone, then shall I go with the Charge off letters starting at letter 3 i.e. factual based evidence?
Thanks
I would take care of late payments and collections and the same time. I would save charge offs for last (as the factual disputes do tend to take more time) you are able to do all at the same time but it can get difficult to keep up with all the complaints you will see a huge increase with late payments and a descent increase with the collections being removed
excellent, thank you for this information, I appreciate it brother@@Successwithstephensmith
How would I determine if I should keep a particular hard inquiry?
If it associated with a positive account you want to keep they also should have opened on the same month and year
@@Successwithstephensmith Thank you so much, man. I'm trying to get my whole family right.
@@Lydia-rb8so absolutely! 👍🏾 keep me updated with your progress
Heyy Steph,,, how can i get the transunion acc#... i cant get it from the website... but got the other ones...
Have you tried annualcreditreport.com?
@Successwithstephensmith no i haven't about to try it now,,, so should i try this video procedure or the other procedure you have on collection?
@@areyanrezbi8006try the collection video
Yeah, I just paid for delete one collection a few days ago and will also do my other charge off that is in the process of becoming a collection but I’m now worried about the original creditor charge offs that will still be in my report. However, in my 3 annual credit reports it says that the debts have been “charged off, written off”, so will I still be receiving a 1099c? Can the original creditors sell to a debt collector if they’re still planning on sending out a 1099c later on?
If the account was written off you can use that to get the account deleted, a charge off shouldn’t be reporting if the account was sold to a collection agency. You can then turn around and dispute the collection effectively removing both from your credit report. You should have received a 1099-C by now, I would call and verify if it’s been sent out. Either way though it sounds like you’ll be able to get the account removed.
@@Successwithstephensmith If in my credit report I have $0 balance and it says “Account charged off, $695 written off.” That means they can’t sell it anymore? They just sold it on 2/29 to portfolio recovery associates and in the comment it says purchased by another lender. The account has been re aging bc they keep reporting CO in the monthly payment reports which I was going to use to dispute it but should I pay the collection first or straight up dispute and go for the 1,2,3+ rounds of disputing? The Collections agency hasn’t contacted me yet as it’s new I guess.
@@David-pf8nx you can actually screenshot the where it says they sold the account and tell them to delete I did the same thing with my capital one account, you can skip the 3 rounds and simply state that. If they have the account and the collection that’s double jeopardy it has to be removed.
@@Successwithstephensmith but I would need to get a 1099c from them eventually? I haven’t received one that’s the thing, it was co in oct 2022 and i never received the 1099c, i moved as well so i checked my wage and income transcripts but they didn’t show there.
@@David-pf8nx you’ll have to call to make sure it was sent out
Hey what’s does it mean when the CFPB sends u a email saying the company has responded and working on the issue?
That means they’ve received your complaint and are working on a resolution. You usually get that in a day or so, it’s apart of the process.
So just b patient ??
@@roderickkimble2618 yes, everything sounds good. Let me know when you get an update
Hey what does it mean we could not send a code to your phone off identity theft.gov?
It’s worked got 22 inquiries removed from my transition report
U the goat!
Thank you!