I Found 10 Hidden Laws That Can Force The Bureaus To Remove Closed Accounts From Your Credit Report

Added: 2026-05-06

[00:00:00]If you're not using one of these 10 hidden laws to fix your credit, it can be the reason why it's costing you from getting results like this, like this, and like this.

[00:00:18]>> Hold up. Now, before we get into the 10 laws that you be you should be leveraging, I want to share with you a quick story because I understand where you are and I was just like you years ago, right? And with me and my journey, it was in the beginning of I was in the United States Navy and I was trying to buy a house. But I didn't qualify because I had bad credit and I had a lot of things holding my credit score back.

[00:00:40]So I was trying to figure out how to fix my credit. I was searching, going on Facebook, and just using different information to help me fix my credit. I had collections, I had charge offs, I had different things that was holding my credit score back. And with that being said, I was trying different strategies.

[00:00:58]I was leveraging um Credit Karma. People was telling me to dispute online and I was trying it and it wasn't working. I was trying to um do generic letters, template letters, and that wasn't working. Everything kept on coming back verified. I was trying to um do another method with quote unquote um 609 letters that we when I first got introduced that wasn't working. none of these different things were working as far as fixing my credit. So, I then discovered the FCA.

[00:01:32]And once I discovered the FC and the FDCPA, then I started breaking down and understanding that there are laws in place to help me fix my own credit and using these different laws within my letter helped me get results like this, right? Not only for myself, but for other people. I help thousands of people fix their credit based on these specific laws that I'm going to share with you so you can leverage it to get the deletion.

[00:01:57]Whether you have a collection, whether you have a charge off, student loans, relate payment, child support, bankruptcy, it doesn't matter what's on your credit report, you can get things removed off your report without you waiting seven long years. And I'm going to break down every specific hidden law for you to help you knock the credit bureaus out. So, let's get into these 10 hidden laws that's going to help you remove those negative accounts from your credit report so you don't got to wait 7 to 10 long years. All right, so let's break this all down. All right, so let's go over the first specific hidden law.

[00:02:34]So, the first hidden law that I want to share with you, okay, is this law right here, 15 USC 166b, timing of payments. Now, this is based off of if you have late payments on your credit report. Okay? Now, let's read over the specific law so you can understand how to leverage this because there is a procedure that creditors have to follow. And if they don't follow this specific procedure, then you can remove potentially get these late payments removed from your credit report. Okay?

[00:03:08]I'm not a lawyer. I'm here just to show you your rights. Okay? Now, time to make payments. Sorry. A creditor may not treat a payment on a credit card account under a openend consumer credit plan as late for any purpose unless key word unless the credit ha the citor has adopted reasonable procedure designed to ensure that each periodic statement including the information required by this specific um section is mailed or delivered to the consumer no later than 21 days before the payment due date. So, as you can see, there is a procedure that the creditor has to do before they mark you late. Either make it up is clear as day. That's what the law states. All right. Now, it's your job to make sure they did that procedure and you look up that specific procedure or what they have to mail to you or whatever the case may be that is required by law. And if they did it, then you can potentially remove those late payments from your credit report.

[00:04:22]Now, hold on. If you have, let's just say, a open account, you have one late payment, then it makes sense. But if you have multiple late payments or if you have a closed account that has multiple late payments, then you should just try to remove the entire account based off of how the account is being reported, the accuracy of the details within the account. Okay? Focus on that versus trying to remove cuz it takes time to remove one late payment from your report. And it is possible to get it off. It just takes time and some people I notice give up. Okay? So, if you just have one late payment, then yes, you can get it off. But if you have multiple late payments, just focus on removing the entire account because the accounts closed and it doesn't make sense trying to reverse uh um late payments that on a closed account. All right. Now, the second law that I want to go over is this specific law as well. Um 15 USC.

[00:05:19]All right. 1681E compliance and procedure. Okay. Now, 15 USC 1681E compliance and procedure. Then I want to I want you to go down to this right here. B accuracy of report. Now, this one is like a catchall law, right?

[00:05:37]Because when it comes to when I was in the military, there's a specific law that catches or article that catches everybody. So, they couldn't find something that you didn't um that you wrote, they will use that one to catch you and of um and you breaking the law.

[00:05:53]Okay? So whenever a consumer reporting agency right Experian, TransUnion, Equifax, right, Lexus Nexus, Coral Logic, Sage Street, Innoves a Consumer Report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. That's what that specific law states. Okay, your report has to assure maximum possible accuracy.

[00:06:28]All right, and with this specific law, it gives you the ability to remove accounts from your report whether you owe the money or not because how it's being reported, which gives you the ability to remove it because it's not accurate. Okay, now let's go over the next. Number three, the hidden log. If you're not using it in your letter, hey, this cost you from getting deletions.

[00:06:55]Okay. Now, I want to break down this next specific law as well. 15USC 1681 S-2. Now, there are multiple things that um responsibilities of refernishers of information to consumer reporting agency. So, there's some responsibilities that the creditors um are responsible and if it's let's go over it really quick. So duty of furnisher of information to provide accurate information. All right. One a reported information with actual knowledge of errors. A person a person shall not do I need to say it again? A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows of the reasonable cause to believe that the information is inaccurate. Okay. Now let's go a little bit more B. All right.

[00:07:52]Reported information after notice and confirmation of error. So a person shall not furnish any um shall not furnish information related to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such not that specific information is inaccurate and the information is in fact inaccurate. Okay, you see it. All right. So, you can leverage this law as well because when you have your h you see the information and it's in fact inaccurate and when you tell them it's inaccurate and they still continue to report it, that's a violation of the law. Right? So, let's go to um the next specific law. All right. Number four.

[00:08:45]And let's break that down as well. So 15 USC 1681 I and then I want to go down to um number five so you can see what I'm talking about. So 15 USC 1681 I5 treatment of inaccurate or unverifiable information. So if after any reinvestigation under paragraph one you can go up to paragraph one um paragraph one and read it of any information disputed by consumer a item of the information is found to be inaccurate or incomplete or cannot be verified. The consumer reporting agency shall experience transient Equifax, Lexa Nexus, indivis right shall promptly delete that item of information from the file of the consumer or modify that information as appropriate based on the results of the reinvestigation and promptly notify the furniture that the information has been modified or deleted from the file of the consumer. Okay. a procedure that they have to abide by and we all know sometimes they don't. So you have to continue applying pressure on Experian, TransUnion, and Equifax to get the deletion that you're looking for.

[00:10:09]Okay, now let's go over to the next specific law. All right, number five.

[00:10:14]Hang with me. All right, I got you.

[00:10:15]Breaking down these 10 laws. So the um the fifth hidden law that's going to help you remove those negative accounts from your report is this one right here 15 USC 1692 C. All right. Communication and connection with debt collection. Okay.

[00:10:34]Now I do want you to read over letter A and I also want you to read over all these but and be but what I wanted to go over is because we'll be here. I want to go over ceasing communication because most people don't even know that this exists. If a consumer notifies a debt collector, so if you notify a debt collector in writing that you refuse to pay a debt, I want Do I need to say that again? If you notify a debt collector in writing that you refuse to pay a debt.

[00:11:08]Yes, you can notify a debt collector in writing that you can refuse to pay a debt or that the consumer wishes the debt collector to cease further communication. So either or the debt collector shall not communicate further with the consumer with s with respect to such debt except. So if you notify a debt collector in writing that you refuse to pay a debt. So you have the right to refuse to pay a debt or a collection agency, right?

[00:11:42]States right here. Okay? And you can leverage that when you tell them that you refuse and they respond back to you.

[00:11:48]That's a violation of the FDCPA. All right? Now, let's go over hidden law number six. Okay. So the six hidden law that's going to help you is 15 USC 1681 I6. Okay. Now I want to go over that specific law as well so you can understand what I'm talking about. So 15 USC 1681 I6 and let's go all the way down um to number six so you can understand this specific law because this is important as well. All right.

[00:12:20]So, a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection no later than five business days after the completion of the reinvestigation by mail or if authorized by the consumer for that the purpose by any means available to the agency. So they have, let's just say you disputed with Experian, TransUnion, and Equifax. They have 30 days to conduct an investigation. And within those 30 days, they have 5 days, let's just say they took all 30 days to do the investigation, the reinvestigation. Now, they have 5 days to mail that reinvestigation back to you. Sometimes expand transunent Equifax might not do this in a timely manner or it might not notify you at all which is a violation of multiple laws because they're supposed to conduct an investigation. So make sure you certify your letter to make sure that hey sent it off and now from the time they receive it they have 30 days to conduct it and then 5 days to mail it back. And people get deletions because guess what? they don't respond back to them at all and they have proof to show that they didn't get um that expands and Equifax didn't respond back or didn't conduct a reinvestigation.

[00:13:46]Okay, now let's go over another hidden law to help you to get these accounts removed from your credit report. Okay, I want to go over this one right here as well. 15 USC 1681 I7. All right. So, I7 is based off of this specific law. Think I will scroll down. Okay.

[00:14:12]Description of reinvestigation procedure. So, a consumer reporting agency shall provide to a consumer a description referred to in 6B3 by no later than 15 days after received after receiving a request from the consumer for that description. So let's go up 26B3 so you can see B3. All right. So a notice that if requested by yourself, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to a consumer by the agency including the business name and the address and any furnish of information contacted in connection with such information and the telephone number of such furniture. If reason if reasonably available. All right. So if you request a description of how they came about the account to be accurate, they have to provide that to you within 15 days from the time they received it. And if they don't, you already know violation. All right. So let's break down some more laws to help you as well. Let's go over um hidden law. Well, number eight, 15 USC 1681 C. All right, let's break this down. So, requirements relating to information contained in a consumer's report. So, when you I want you to go down to 15 USC 1681C and I want you to go down to um C running of reporting period. So the 7-year period referred to in paragraph 4 and six of subsection A shall begin with respect to any delinquent account that is placed for a collection internally or by referral to a third party whichever is earlier charged to profit and loss subject to any similar action upon expiration of the 180day period beginning on the date of commencement of the delinquency. which immediately pre um preceded the collection activity charged to profit and loss or similar action. Right? So if you have let's just say an account okay that's been charged off. So you had a for an example a credit card and you was 30 days late and then you caught up and then life happened or whatever the case may be and you was 30 60 90 120 right 150 180 count then account was charged off. Okay, based on the date of first delinquency, not the date when you first was linking and caught up, but the date that, hey, 30, 60, like that whole time, that's when the 7-year time begins. And sometimes, a lot of times, they mess that up where they have the date wrong of date of first delinquency, which allows that account to stay on your credit report longer than what it needs to be, which is a violation of this law.

[00:17:14]And because it stays on your credit report longer than what it needs to be, guess what? that affects you if you did never dispute it or never tried to remove it the um the account off the report which will keep you with bad credit longer than what you needed to be if you didn't dispute nothing right so this is what this law is for to help you check that out to see all right what's the date of first delinquency is it messed up and do I need to talk to a lawyer or somebody but you can leverage this law as well and dispute with experience insurance rights with this one specific law as well. Okay, now let's go over number nine. Let's go over number nine. Hidden law number nine.

[00:17:59]Let's let's get it. So 15 USC 1681B permissible purpose. Okay. Now with this specific law, I'm not going to go over this cuz this one takes a time whole bunch. But with this specific law, there are requirements where a furniture is able to get access to your reports and you give them the permission to get access to your report based on some of these things. And if you go over, you can read over it. But this is more for like inquiries on your report. So if you go and order your reports and you look at the inquiry section, right, and you see that, hey, this account says permissible purpose.

[00:18:38]That means they have permission to pull this report. But some of them won't have permissible purpose, which will allow you to leverage this law to get the inquiry off of your report because the inquiry stay on your report for 2 years, right? So you can get it off without waiting 2 years for it to fall off, right? So you can read over this law 15 USC 1681B, right? and go because it's one and then you can get access to your report and then you can see hey does this one have permissible purpose? Does this one? And then you can dispute with experience at Equifax um through a letter certified of course and then you can potentially get it off your report based off of um the violation of this laws. Okay. All right. Now let's go over the 10th hidden law that you can use to knock the credit bureaus out. Okay. Last but not least. Okay. share this tab 15 USC 1681 I all right reinvestigation of disputed information okay so subject to this is basically giving you the ability to fix your credit right or to dispute and this like A and B is very important because I'm going to explain it but subject to subsection F and except as provided in subsection G if the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency. It disputed by a consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute. The agency shall keyword free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item.

[00:20:25]U delete the item from the file in accordance with paragraph 5 what we read before the end of the 30-day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller. Okay. And then B, right, I want to read this one and two. except as provided in subp paragraph C, the 30-day period described in sub um in subp paragraph A may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during the 30-day period that is relevant to the reinvestigation. So, when you dispute with Experian, TransUnion, and Equifax, guess what? you have they have 30 days to conduct an investigation and if you dispute again within that time period of the 30 days that they didn't complete it now they have 15 additional days um as well. So you don't want to continue sending dispute after dispute after dispute. All right, let the 30 days elapse. Let that um let you re well wait until you receive the actual reinvestigation. So 30 days, 5 days from the time they received it and then if they don't send you a reinvestigation back or if they don't do no then you have then they broken multiple laws and you can use that in your favor to get the accounts removed from your credit report. Now for my people that don't have time to do none of this, don't want to learn the laws, don't want to understand, I understand. Okay. Now we are offering a program and this is a limited time offer. It might not be available, but if you want me and my team to help you fix your credit, right? Completely free. You just cover credit monitor. Like I said, limited time that might not be available. Click the link in the description or p in the comments. Okay.

[00:22:20]All right. Get signed up. Let me and my team help you knock the credit barrels out.