Transcription
Guys, if you have any collections, charge off, late payments, anything negative on your credit report, guys, I have a brand new four-day method. Guys, we just tried this four-day method on a hundred of our clients, and 87% of our clients got everything removed in five days, guys. Guys, this method is going to be a very powerful one. Take your pen and paper out because I'm going to show you how you can remove literally anything from your credit report in less than five days, guys. Stay tuned.
>> [music] [music] >> Welcome back to the channel, guys. If you're new to the channel, I'm Credit Coach Kill, My Credit Repair First, cloud-based software that allows you to put your credit repair experience in your own hands. If you're new to the channel, I'm super, super excited because I have a banger today. Video, we're going to show you how you can remove literally anything from your credit report in less than five days, four days, guys. Before we get into the video, guys, please do me a favor and like and subscribe to the video. It allows YouTube to push this content to a wider audience. Remember to share with anyone that has any credit issues because, guys, that is how we're going to get this content to the masses. So, guys, make sure you like and subscribe to the video, and thank you for doing it. I'll give you five seconds. I'm just kidding. All right. Let's dive straight into the meat and potatoes, guys.
If you are new here, if you already been here before, you already know. You have any collections, charge off, anything negative on your credit report, if your score starts with a four, five, or six, drop a credit or credit repair in the comment section, and me and my staff will give you a custom blueprint for you to be able to get that removed, guys. We're not taking bad credit into 2026. If you have anything negative on your credit report or have any credit challenges, something came back, anything that's on your credit report that's negative, type credit repair in the comment section, and we will take care of it for you guys.
Guys, if you're interested in learning about credit, credit repair, business funding, guys, I'm going to show you step-by-step on how you can repair your credit, your father's credit, your dog's credit, whoever's credit you want to repair, I'm going to also teach how you can get up to $250,000 in business funding, and I'm also going to show you how to get home loans, business loans, car loans, any loan that you want in terms of credit. Guys, I've been in the industry for over 10 years, and I have built a multi-million dollar business in this industry. And for the first time, I'm going to put it all on the line. I'm going to show you exactly how to be successful in terms [music] of credit from point A to point Z. So, guys, if you're interested in learning anything about credit or becoming a credit specialist, check out the new school inside the link in the description, and I will see you in class.
Now, let's dive straight into the meat and potatoes of this new method, guys. I'm super excited about this video because, guys, me and my staff have been working overtime for you. Like, literally, like, like, little do you guys know, we've been working our ass off to bring these hacks where you guys can get some major results in a very fast period of time, guys. Five, four days. Usually, it is 30 days. You know, they have I know people are going to be like, "They have 30 days to respond." I know, but I can't, you know, deny the results. If >> [music] >> my clients are getting it off in five days, then they're getting it off in five days. There's nothing to talk about.
All right. So, first and foremost, you want to look over your credit report to be able to understand how to like, read your credit report and look for inaccuracies cuz if you're new here, if you're not new here, you already know everything on your credit report has to be what? 100% accurate, 100% verifiable, and 100% timely. Now, go over your credit report and make sure that you have all three of the credit reports side by side, TransUnion, Experian, Equifax. Make sure you have the account number, the account type, bureau code, date open, last reported date because this is going to be very important. Now, when it comes to inaccuracies on your credit report, everything needs to line up perfectly. The account number needs to be the same, balances need to be the same, the dates need to be the same, everything needs to be the same because if it's not, then obviously something is inaccurate, right?
All right, so, as you can see, the account number is 0014300, the Experian is 970, the Equifax has no numbers at all. I want you to highlight that. Highlight the inaccuracies that you find that doesn't correlate with the other bureaus, okay? Now, you keep going, stop and stop and stop, that's right. Individual individual derogatory paid, you can highlight that. It's not that necessary. Look at the date that was opened. The date was opened is 4/14/2020, 4/01/2020, and 4/01/2020. Guys, highlight that. And then you go to um you just keep scrolling. You look for inaccuracies. As you can see, high limit, 5,000, 5,000, 4,800, highlight that. Last reported date, 11/30/2021, 4/20/2022, 3/01/2026. Guys, this is completely wrong. Completely wrong, highlight that. You're going to do that for every piece of debt that you have on your credit report. You're going to go through every negative item on your credit report and look for the inaccuracies.
Now, this method does not have any inaccuracies, but just like any criminal case, the more evidence that you present to the credit bureaus on why you have justifiable means to get it removed, the more likelihood that you're going to actually get it removed. So, this is [music] just one factual way to go through the credit report, find any inaccuracies, and actually add that to the case. But this is not the case. The case is we're going to request the collection agencies to provide documentation on the [music] debt.
Now, like I said, everything has to be 100% accurate, 100% verifiable, and 100% timely, right? So, the verifiableness on your credit report actually correlates to how they buy the debt. So, obviously, you know, collection companies, they come [music] and buy your debts from for pennies on the dollar. They actually pursue you for the debt because either >> [music] >> um the original creditor charged it off or they just sold it to a collection company. Now, when they buy the debt, they are supposed to have certain guidelines and laws that they govern how the [music] debt is being bought. Now, also, documentation is supposed to come with the with that bought debt, and if it doesn't or if they cannot provide it, they have to remove it. So, because you did not you do not have a contractual agreement with the collection company. You have a contractual agreement with the original creditor. So, for instance, AT&T sold it to Portfolio Recovery. Your relationship is with AT&T. Your contractual obligations initially is with AT&T, not Portfolio Recovery. And if Portfolio Recovery is pursuing the debt, they have to prove by law that the debt was bought properly, right?
Now, this is what you ask for. You ask for what is called a chain of title. A chain of title in debt collections is a document a step-by-step paper trail, assignments or bill of sale showing how the debt was transferred from the original creditor through any [music] debt buyer to the current owner. It proves the current collector is has the legal right to sue or collect on a specific debt. Now, these are the key aspects. Listen to this. Proof of ownership, a collector must prove they own the debt, otherwise they lack the standing to sue. Detailed documentation, the chain should include a bill of sale, assignment, and account records transferring the debt to each step. Common issues, if a debt is sold multiple times, links in the chain can be lost or inaccurate, which can be a key defense against the debt buyer's lawsuit. Missing links, if a debt buyer cannot produce documentation, pay attention. For every transfer of ownership, the court may dismiss the case, notes, and end it.
Now, guys, that is super powerful. That does not mean that the debt is not yours. It does not mean that you actually didn't open the debt. It means that they didn't buy it correctly, and they didn't transfer the debt correctly. And they have to verify all of this by your God-given right. For according to the Fair Credit Reporting Act, you have the right to ask for all of this documentation. And we don't have to ask or say that the debt is not yours. We don't have to do any things unscrupulous towards this debt. We can just basically verify the new ownership, and 99% of the time, they don't have the documentation side of you.
All right. So, let's go ahead over to My Credit Approved. My Credit Approved is the software that I've been telling you guys about, the software that I built specifically for you guys, and it's going to have everything needed for you guys to get everything removed. Now, I know people want to go to ChatGPT. Well, ChatGPT, guys, ChatGPT has to be taught. Any GPT has to be taught. Anybody that know AI know that GPTs are only as good as what you teach it. The more you imply towards it, the more you teach it, the more [music] it's able to able and equipped to help you out more and more and more. But if you try to use ChatGPT for credit repair, they're only going to give you surface level content. going to be able to give you deep, deep, deep, deep dives on or secrets or methods. They're only going to be able to stay on the surface because it don't really know stuff. It just look for the internet at a very fast pace, and it compartmentalizes everything that they learn from the internet. But if they know the stuff, that's when the ChatGPT can start [music] working. This is already a GPT that works because it's been trained for years in credit repair. So, all right.
Now, as you can see, you go to start my dispute. All of your information is already uh populated into the system. Right here, you're going to select the reason for the dispute. And the reason in this case is to validate the account. We're not asking We're not saying this is an identity theft. We're not saying that it's not yours. We're not saying it's incorrect. We're telling them to validate it because the burden of proof is on them, all right? Just keep that in mind. All right, so, we go to the next step, and we're going to select month one. So, this is a four-month process, you know? Everyone is not going to get everything removed within the first month. Let's just be honest. Some people will. The more people that use this method, the less people that actually going to get everything removed in five days. That's the fastest that I've seen it. So, I'm going to show you guys the potential on how fast this method works. I have a lot of proof when it comes to how the how fast this actually works, but it might be a marathon. Some people can run sprints when it comes to credit repair and get everything done pretty quickly, and some people needs to do marathons. And doing a marathon is perfectly fine. It took you a long time to get in the debt, it might take you, you know, a few months to get out of it. Everyone is different, but I want to give you guys the best case scenario and the worst case scenario, so it can tailor to all people that needs credit repair. I don't want everyone thinking like I didn't work for me, so it is not going to work. No, you just have a different process. Every credit report is like fingerprints. Everyone is completely different, and some people need a little bit more than others, all right?
So, you'll select four-step dispute letters month one, and then we're going to go to one of the accounts, Target, Barclays, and let's do a Victoria's Secret, right? And then we're going to scroll all the way down. In your case, you're going to dispute everything negative. Everything on your credit report that is reporting, that's what you're going to dispute, right? Then you're going to click next, and as it populates, it's going to produce a very, very powerful letter. All right, so now, as you can see, according to the Fair Credit Reporting Act section 609 and 15 USC code 1681E, you are required by federal law to verify through physical verification of the original signed consumer contract. Any and all accounts you post on a credit report, otherwise, anyone paying for a reporting services could fax, mail, or email in a fraudulent account. Writing in response to communication regarding above referenced account, I disputed the debt in its entirety and request for validation pursuant of my rights under Fair Credit Collection Practice Act 15 USA 1692. Specifically, I request you provide a competent evidence that I have any legal obligation to pay this debt. At At a minimum, please provide the following: the name and address of the original creditor, the complete accounting of the alleged debt, copies of any agreement contracts and instru- instrument bearing any my signature to evidence my obligations, proof that your company is legally authorized to collect the debt. Guys, this is very, very important. Okay, pay attention. Additionally, because the debt appears to have transferred and or sold, I demand full documentation establishing the chain of title. Guys, [music] let me work. This includes a complete list of all prior owners of the debt, bills of sales or assignment documents for each transfer, documentation specifically linking my alleged account to transferred debt, dates of each transfer, and identification of all parties involved. And then go to debt right there with the account numbers. You sign this, you get this notarized, you change this to 2026, and you are all set to go, guys. This is a very, very powerful method. I assure you you're going to get results.
Now, if you don't get results on the first one, now you're going to send this out certified mail, you're going to attach your ID, your social, and a proof of address. Anything with your name and address on them. I mean, you're going to attach this to the letter along with the credit report with the highlighted inaccuracies, right? Highlighted inaccuracies, the three documentations I just stated, along with this letter. Now, if it doesn't work in the first month, I'm going to show you what to do next, okay? I'm going to go back, and we're going to go month two. Let's do month two. And we're going to scroll back down, and I'm going to show you what month two look like. Let me cook, man. This is This is This is powerful stuff, man. And this is way better than ChatGPT. ChatGPT don't know what they don't know. All right, please be advised that my second written request on verified document I am writing to to in follow-up to my previous correspondence date in which formally disputed above referenced uh while you failed to provide proper validations places [music] you in non-compliance. Now, non-compliance mean that if you can prove non-compliance when it comes to the credit bureaus, you can get awarded up to $1,000 per violation with the FDCPA. Despite this, you have continued collection efforts and the credit reporting activity, which is a violation of federal law. According to According to I hereby demand the following: immediate cessation of all collection activity related to this account, immediate removal of this account from all the credit bureau agencies, written confirmation that this account has been closed, or further collection efforts will be made.
Now, guys, this second letter is very powerful as well, but if you want, go to the compliance manager for the collection agency. So, for instance, Portfolio Recovery. If you um want to send send this letter to Portfolio Recovery a compliance team. The compliance managers for Portfolio Recovery make sure that they are 100% compliant when it comes to the consumers. Now, they have to be 100% compliant under the FCRA, which is the Fair Credit Reporting Act. They have to be 100% compliant to even be open for business. Now, if you can prove non-compliance, then you can charge them $1,000 per violation that you find that they're not compliant with. Now, if you send this specifically to the compliance manager, they have to remove it because you are proving that they're not compliant by them not removing it or providing you the documentation the first time you asked for it. And the second time, if the compliance manager is not compliant and they get sued and you sent it to them, they can at that point risk losing their job. So, at that point, it is in the best interest of the company, it's in the best interest of the compliance manager, and it is the best interest of you to get everything removed, guys.
If you found any of this information helpful, please like and subscribe to the channel. If you want me and my team to do methods like this for you, we might not do this one, but we will do something similar and more powerful. Guys, type credit repair in the comment section, guys, and me and my team will jump on the line and do this for you, guys. It's no brainer. Credit repair is not that hard, guys, especially if you understand the consumer laws. Guys, a lot of people are basing their credit repair companies on systems and robots and stuff like that, and they don't really know what they're doing. Guys, strategies like this is why we've been successful for a long time. Do you have any questions or concerns? Type it in the comment section. If you want us to take care of it for you, type credit or credit repair in the comment section, and we will do just that. Guys, do you have any questions? Let Let Let me know in the comment section. Don't forget to like and subscribe. And until next time, take care of your credit, take care of yourself. Credit Crusader out. Peace.