20 CFPB HACKS That FORCE Credit Bureaus to DELETE Accounts ASAP

Added: 2026-05-05

[00:00:00]If you ever sent a letter to Experian, TransUnion, and Equifax and they ignored your dispute or verified your dispute, they always do this. But, by the end of this video, you'll learn 20 different secrets that will force them to respond or remove your account just like this, like this, like this, and like this.

[00:00:26]>> [music] >> Now, before I share with you the 20 different secrets, I want to share with you a specific video so you can understand why we have to apply so much pressure. So, all these people who take the time to meticulously document a case that the bill isn't theirs or the bill has been paid, that is never seen by anybody? It's not seen by anyone who considers it in determining whether or not information will be removed from a credit report. It's not forwarded on to the person who has the complaint with you. No, it's never forwarded on.

[00:01:02]Never forwarded on to the creditor. We can get a jury verdict for a million dollars. That's chump change to some of these bureaus.

[00:01:10]They would rather pay a verdict in a million dollars than to actually go in and change the policies and procedures that they have because that's much more expensive to them. I can say this without qualification. The dispute [music] procedures used by the credit reporting agencies uniformly used completely fail to comply with the Fair Credit Reporting Act. Courts have found that, the Federal Trade Commission has found that. It's not even a close call.

[00:01:37]Ohio Attorney General Mike DeWine agreed. I think the industry is a mess and I think the impact that has on on real people is just unconscionable. You think they're breaking the law? I think they're breaking the law. There is no doubt in my mind they are breaking the law. So, you heard it out of Attorney General's mouth that they know they're breaking the law. So, what we got to do is force Experian, TransUnion, Equifax to remove these negative accounts and pay attention to what you have to say as far as your dispute. And let me show you how to actually do that. They're not going to be able to ignore you after I share with you these 20 different secrets cuz I'm going to break it all down. I got you step by step. So, first and foremost, I want you to understand this. Secret number one, the yes and no trap. Either your accounts are verified with documentation, {quote} {unquote} proof that, hey, they verified, they made sure everything is 100% correct.

[00:02:33]The open I'm going to show you what I'm talking about. The open date, date, all that stuff. Or, your account is inaccurate, all right? So, check this out. When you look at your account, and I'm going to show you how to get access to this account. Well, I'm going to show you how to get access to your report, okay? So, you can see a report that look just like this or similar to this with your information and all the accounts that's being reported about you. But, what that means is when you heard that specific video, anybody that basically look at their report and meticulously look and check to make sure the open date, date, last act, the payment history, the balance, everything is 100% correct and they send it over to Experian, TransUnion, Equifax stating that, hey, this account is inaccurate.

[00:03:16]This balance is not reported. Hey, they have a missed payment when it's actually not supposed to be a missed payment. A lot of things are actually going on.

[00:03:23]But, Experian, TransUnion, Equifax will send a letter back to you saying it's verified. Or, they might say, we need more documentation to prove that is you.

[00:03:34]Or, they will say, we're not updating or fixing anything.

[00:03:38]Do whatever Or, they just might ignore you. So, when you look at your account and it's not reported 100% correct, you have the right to get this fixed according to the Fair Credit Reporting Act, all right? So, when you look at your account, check it out, okay? And I go to I'm going to show you how to get access to it. You go to hiddencreditreport.com and you'll be able to get access to your report. But, I won't get you the steps on how to get that. I just want to show you what I'm talking about so you can understand what that lawyer was saying and what the Attorney General was saying as far as them breaking the law, right? So, the second secret is now first secret is we got to get the report, right? We have to see what's inaccurate. Then, we have to force Experian, TransUnion, Equifax by leveraging the CFPB, okay? Now, the second secret is very important as well.

[00:04:28]I'm going to go through all of them and then we're going to basically I'm going to show you step by step on how to do everything as far as getting access to your report and then filing the complaint with the CFPB and walking you through that process, all right? Secret number two, accuse, don't ask, all right? We're not asking for them to fix this, right? We're not ask asking [music] them to modify. Now, they have the right to actually modify those specific accounts. What I mean by that is the open date, date, last act, the payment history, um balance. They have the right to actually fix those um discrepancies, but they usually don't. So, with the CFPB, what we want to do is accuse the accuse them of not modifying the account. Accuse them of not fixing the discrepancies. Accuse them of not updating the balance, updating the payment history. Those are some of the things you want to accuse them of doing because when you look at your report, this gives you or when you send a letter to Experian, TransUnion, Equifax and they don't fix these things, guess what? They just broke the law because according to the law, they're either supposed to modify the account or delete it. Those two things, right? No in between. Modify the account, not verified cuz we ain't asked for verification. We already know the account belongs to us. But, what you asked for them to do is and I'm not a lawyer, but I'm just here to show you your rights. But, you asked for them to modify the account. You asked them to fix the discrepancies. You asked them to investigate the discrepancies of these accounts. And what they're supposed to do is investigate the account. They're supposed to make sure the balance, the payment history, [music] the dates, everything is correct on your report.

[00:06:10]And guess what? They don't do it. So, now you have to force them using the CFPB to do this, all right? Now, the third secret is use their response against them. So, when they when you create a letter to Experian, and I'm going to walk you through this, all right? I got you. When you create a letter to just bear with me. When you send a letter to Experian, when you send a letter to TransUnion, when you send a letter to Equifax or anybody else that's reporting information about you as far as your report [music] because you have the right to do so, guess what?

[00:06:40]When they when you send a letter to them and they'll respond back saying everything is 100% verified, right?

[00:06:47]{quote} {unquote} verified, >> [music] >> which we already know the account belongs to us or it belongs to you.

[00:06:55]When they ignore your dispute and you can leverage that by sending a letter certified and they don't respond to you within a timely manner cuz they have 35 days to respond to you by law, right? Not according to what I say, by the Fair Credit Reporting Act, they have 30 days to investigate the letter, I mean, investigate your dispute and they have 5 days to mail that back to you, okay? If they don't respond to you within a timely manner or they ignore your dispute, now you want to leverage that and I'm going to show you how to leverage that according to your favor to get those accounts removed from your report, okay? Now, the fourth secret is you want to copy winning complaints.

[00:07:35][music] What do I mean by that? Now, most people don't even know this exists. But, if you go over to the CFPB database, what you want to do is click on data and research and you can do research on complaints that people actually [music] submitted a complaint and they got compensated from those complaints. So, let me show you what I'm talking about so you can see. There we go. Consumer database. All right. And then, explore data.

[00:08:06]Now, from there, for an example, let's just say you want to file a complaint against Navy Federal. Or, you know what?

[00:08:14]A lot of people don't like these people.

[00:08:16]Capital One, all right? Now, as you can see, there are over 1,000 matches out of 14 million complaints, right? And then, from there, what you want to do is click on the scroll all the way down, click on credit reporting.

[00:08:30]And then, sub issue, it could be what incorrect, improper use of your credit report. But, you'll go back to data research, okay? And then, you'll click on consumer customer complaint database.

[00:08:43]You'll click on explore read complaints.

[00:08:46]You'll click on read complaints, all right? And then, you'll put in the specific for an example, like Capital One, Navy Federal, Wells Fargo, um LVNV, anybody that you want to basically see what's happened as far as like specific accounts that's hurting your credit score and some of the things that they did wrong, you can see um some things. So, for an example, you can click on Capital One, right? And then, you can all scroll all the way down to the bottom. And then, what you're going to do is just click on close with monetary relief. So, close with monetary relief means that, hey, this specific person got paid because of whatever the issue may be. So, you can check to see the specific type of complaint and read over specific type of complaints of those people or those individuals who got compensated because of their complaint.

[00:09:40]Yeah, people get paid as well based on the things that happened as far as them disputing or whatever the case may be when they complain with the CFPB, okay? Now, let's go over the next secret and let me just break this down, all right? So, you want to copy, like I said before, winning complaints, okay? So, that's a formula. Now, from there, the next thing you want to do is secret number five, find their weak point. So, when you dispute with Experian, when you dispute with TransUnion, when you dispute with Equifax, on the report, there are a lot of discrepancies as far as things that are inaccurate. So, things such as there's like so many different laws, right? So, there's 15 and I'm going to go over some of the laws as well. That's going to be very important with these secrets. 15 U.S.C. 1681eB, 15 U.S.C. 1681 um I5, 15 U.S.C. 1681s-2, 15 U.S.C. 1681c-c, 15 U.S.C. 1681b.

[00:10:42]Like, there are so many specific laws that can help you remove um accounts off your report based off of them breaking the law. And I'm going to show you how to leverage this if you never did this before or filed a complaint or submitted a dispute or none of that or submitted a dispute with Experian, TransUnion, Equifax, right?

[00:11:00]I'm going to show you. But, when you look at your report, right? You can use multiple things, right? [music] As far as creating a complaint, or you can leverage one or two things, but one of the laws that's like very important that is not on this right here, this specific screenshot, but 15 U.S.C. 1681c-c, the payment history, right? When the account let's just say if you look at the payment history and it's not reporting like this, like the payment history when it's closed 30, 60, 90, 120, 150, 180, right? If it's not reporting like that correctly, that's a violation of the law. 15 U.S.C.

[00:11:46]1681c-c.

[00:11:48]If they're not reporting like that correctly, which would then mess up when the account is actually [music] supposed to come off in your report within 7 years, that's a violation, right? And that's a really That's a complaint that lawyers take these specific [music] consumer report like consumer reporting agencies and um the actual account person, right? The like you say for an example, Navy Federal, Capital One, they sue over this type of stuff, [music] right?

[00:12:14]Because when the account is supposed to come off, it doesn't come off, which would then keep you longer with bad credit, which would then hurt you from getting approved. So, that's like their whole entire argument, right? So many different things that they um argue as far as it not being So, you can leverage that specific law and document it as well to help you remove the account or force um Experian, TransUnion, Equifax to remove this account off your report, okay? Now, the next um secret is well is very important. Well, well, all the secrets are important, all right? Use the law strategically, okay? What I mean by strategic strategically get says when you craft your letter, right?

[00:12:54]>> [music] >> Your first letter. And you sent it to Experian, TransUnion, Equifax.

[00:12:59]There like I said, I just broke down like multiple laws, but there are laws that are in place that can help you, okay? As a consumer. Just most people don't know that they exist, but since you're here, you're at the right place at the right time. I got you. You can use the law strategically in your favor [music] to get these accounts removed from your report. And what I mean by that is there are specific laws that Experian, TransUnion, Equifax have to abide by according to the Fair Credit Reporting Act. And if you have collections, there are unique laws that the collection agencies have to abide by as well.

[00:13:32]Um I'm going to cover more more of them on this channel as well, which is the FDCPA, all right? Now, with the FDCPA, 15 U.S.C. 1692, there are laws that are in place for you as well to help you remove those negative or those collections that the collection agency have to abide by, have to adhere to, and you can use that strategically in your favor. Just make sure you document everything to get those accounts removed off your report, all right? Now, secret that basically goes into like strategically Secret number seven, 15 U.S.C. 1681eB, right?

[00:14:08]Now, I'm not a lawyer, like I said before, I'm just here to show you what's going on. So, if you go to look look this law yourself. If you've been following this channel, I appreciate you for watching. If you're new to the channel, uh thank you as well. But, what you're going to learn is that specific law when you look at your report, you're going to notice that hey, this account is not assuring maximum possible accuracy.

[00:14:36]I'm going to say that again. This account is not assuring maximum possible accuracy. Your report is not ensuring or assured maximum possible accuracy. When you look at your even your open accounts, it's not assuring maximum possible accuracy. When you look at your bankruptcy, if you have one on your report, it's not assuring maximum possible accuracy. If you have a collection, I'm pretty sure it's not doing the same thing. So, this gives you the ability to leverage the CFPB to remove the account and we're going to accuse them Remember what the secret is?

[00:15:13]We're going to accuse them to get this >> [music] >> um for not assuring maximum possible accuracy and not modifying the account to fix it, right? Specific laws are going to be in your favor to get these accounts removed from your report, okay?

[00:15:30]Now, let's talk about the next specific secret. Secret number eight, 15 U.S.C.

[00:15:36]1681i, all right? This basically Experian, [snorts] TransUnion, Equifax is supposed to do a reasonable investigation >> [music] >> with all the things that you pinpointed when you sent off your first letter.

[00:15:52]But, usually they don't. So, you can use this specific law in your favor as well to help you get those accounts removed from your report. Like, all this makes sense, all right? And then secret number nine, timing is everything. So, what happens is when you send the letter with Most people don't know, but some people send a letter to Experian, TransUnion, Equifax, and then they either ignore your dispute, they verify your dispute, um or they say they need more documentation to make sure this is actually you. And what this does is it stalls the process because when they ask for more verification, most people don't provide verification. When they say this um is verified, this makes people give up because now they're like they verified it. So, they don't know what to do next. So, they stop disputing, they stop um following up with them, they stop doing things. When they ignore you, most people just give up as well or some people give up as well, okay? What I want you to understand is that timing is everything as far as the um the leveraging the CFPB, right? What I mean by that is when they send the when you send a letter and 35 days have elapsed, right?

[00:17:12]>> [music] >> And they don't respond to you in a timely manner, guess what? You can then file a complaint with the CFPB. All the things I'm teaching you, right? And helping [music] you with, you can leverage that in your favor to get these accounts >> [music] >> or specific accounts removed from your report. So, what I'm saying is when you send off your letter, don't give up, all right?

[00:17:33]Now, secret number 10, use their response against them. You want to leverage 15 U.S.C. 1681i-7, all right? You can leverage that law as well. So, when you send the letter to Experian, TransUnion, Equifax and they then say we verified everything, one of the things you can ask Experian, TransUnion, Equifax, right? Is how did they verify? So, you can ask for how did they verify that specific account?

[00:18:06]>> [music] >> And within 15 days, they are supposed to provide it to you, okay? And since they're supposed to provide it to you within 15 days and they don't, that's a violation of that specific law, which would then also use secret number nine, right? Which is timing is everything. So, it will allow you to then leverage those multiple laws to file the complaint >> [music] >> based off of you asking for documentation of how they verified those accounts, all right? Now, secret number 11, hit everyone at once, but separate.

[00:18:39]So, I'm going to show you what I mean by that by showing you how how to file a complaint with the CFPB. What I mean by that is hit everyone, right? So, all those negative accounts on your report, don't just talk about like one or two accounts. When you send a letter to Experian For an example, when you send a letter to Experian, when you send a letter to TransUnion, you send a letter to Equifax, right? You're you're disputing all the negative accounts that's holding your credit score back.

[00:19:05]So, when you dispute all those negative accounts, don't just file a complaint with one specific account. Talk about all the accounts that's only reporting to Experian. So, you're going to file a complaint only filing the complaint to just Experian.

[00:19:22]And then file the complaint only to TransUnion with those specific accounts.

[00:19:26]And then file the complaint only to Equifax with [music] those specific accounts, all right? That's what I mean by hit everyone at once, but separate as filing a complaint, okay? Now, number 12 is make sure you always want to have a paper trail paper trail, right? Now, the reason why you want to have a paper trail is because if you ever need to let's just say talk to a lawyer or um go to court if that ever happens, right?

[00:19:56]You have proper documentation to back up everything you have done, everything you're doing, okay? Make sure you keep a copy of everything. So, I always like using Google Docs to keep copies of certain things, okay? [music] So, you can leverage your um Google Doc um write your letters in your Google Doc cuz when you print it off, it's still going to save. And then, make sure you take a picture of your certified mail. So, now you just have it for like records.

[00:20:22]>> [music] >> Send it to your computer, um text it to yourself cuz sometimes you might delete the photo. So, just keep um a picture as well and send it to your um phone as well so you can have it, like I said before. When you file the complaint, you can also attach evidence. You can also attach That's another secret, but you can also attach things like that, okay?

[00:20:43]Um stacking up stack um secret number 13 is stacking um the pressure, right?

[00:20:49]What I mean by stacking the pressure?

[00:20:51]When you file a complaint, you can also, let's just say for an example, not only you can file a complaint with Experian, TransUnion, [music] when I'm not Not only can you leverage the CFPB, you can also leverage other um places that you can file a complaint >> [music] >> and use that against them as well that you filed a complaint with the BBB, you filed a complaint with the Attorney General's Office, you did a complaint, and you can also put that with your CFPB complaint, which will then also with all the laws, you can stack more pressure um against them to then get those accounts removed from your report, okay? Now, secret number 14, right?

[00:21:31]is you want to sound like you're ready for court, right? What I mean by that is, "If you don't fix this, I'm going to take you to the court, or >> [music] >> I plan on talking to a lawyer if you don't fix this." Like, those are the type of the things Now, just make sure you're going to you're going to do this, but most of the time you can talk to a lawyer, you can talk to somebody um for extra help. So, that's what I mean by that. And that, "Hey, I'm building a case against you. I have proper documentation. I sent off this letter, I sent off this letter, you didn't respond back, you broke this law, you broke this law, you broke this law.

[00:22:10]I properly documented everything, and if you don't fix this, I'm looking to, you know, take you to court, I'm looking to talking to a lawyer because I have proper documentation. I've done everything, and you're still >> [music] >> breaking the law." Just like you read in that video, right? Okay? Secret number 15, short, I'm going to show you what I mean, but strong. What I mean by that is, when you file a complaint, get to the point. Don't make it long, but make it very effective. And I'm going to break down on how to do that, okay?

[00:22:41]Now, secret number 16 is I I forgot to say this before, but I was going to show you I'm going to show you how to do this. Attach evidence to control the narrative, okay? What I mean by that is you want to attach everything that happened as far as the laws that they broke, the letters that you sent. You want to attach everything um as far as your dispute, okay? And you also want to break down or take screenshots of your letters as well, or screenshots of the specific accounts that open date, date last, all these different things are inaccurate, okay? I'm going to break that down when I walk you through on how to file a complaint. Um secret number 17, select the complaint category strategically. All right, so you probably don't understand, but in the CFPB, there's specific um complaints or there's specific categories that you want to make sure you select, or they might just ignore your dispute, okay? Or your complaint. And I'm going to break that down for you on what I mean by that. I'm just walking you through the different secrets, okay? Secret number 18, fill out everything. What I learned in the I was in the military, they give you that, right? Um when we fill out documents, fill out everything, and with if it doesn't apply to us, we put non-applicable, right? Um N/A. So, make sure you fill out everything so you don't get your complaint rejected. And I'm going to walk you through what I mean by that.

[00:24:06]So, I want you to understand. Number 19, one bureau at a time, and you're going to see what I'm talking about on what I mean by that, secret number 19. And then, secret number 20, refile with a new angle. So, sometimes filing a complaint with the CFPB doesn't 100% guarantee that, "Hey, these um accounts are going to fall off just because you filed a complaint." So, sometimes you got to hit them with a different angle. Sometimes you got to leverage a different law. Sometimes you got to basically break down another different way to get those accounts, or go at them a [music] different entire way. And I'm going to show you how to do that as well. I'm just walking you through the different things so you can understand why we got to do what we got to do because of they are breaking the law, all right? Now, I understand that they're breaking the law, and we need to hold them accountable, but nobody's really holding them accountable. So, you just got to do different things, unless you want to take them to court, unless you want to talk to a um lawyer, right?

[00:25:02]So, you can do that. It's up to you, but some people don't want to do that, some people don't have time, and they just want to get their accounts fixed and removed from the report. So, I'm going to strategically show you how to leverage the CFPB to guide you on how to do all of that, all right? All right, so let's get it. Let me break this down. I got you. I'm going to walk you through the process. So, when you're on the CFPB website, and if you don't have an account, it's completely for free to create it. Now, when you log in or even go to it, it's going to walk you through specific things that they they want you to do first, all right? They never had that at first, but now they changed things up. So, this is make sure the first thing you do is send the letter to Experian, TransUnion, and Equifax first before you leverage this specific um complaint system Well, complaint system, right?

[00:25:49]>> [music] >> Now, you want to leverage Well, you want to create your letter first, right? Send it to Experian, send it to TransUnion, and send it to Equifax, right? Now, when you send these letters to [music] them, if you already sent it, then you you're good. But if you haven't sent the letter, you want to create a letter first, and I'll walk you through the process of how you should be creating your letters and understanding the different laws and leveraging it, right? So, one of the things you want to do is, of course, send your letter to Experian, send your letter to TransUnion, Equifax, right? Right? Then you're going to wait that 35-day period that I talked about, 30 days for them to complete the investigation, 5 days for the mail to come back. Now, usually it'll come back within due time, but if they ignore you, if they don't respond, if they send certain things, then you will be able to leverage the CFPB, right? Now, let me let me walk you through on what it looks like. So, when you're inside your um portal, right? It's going to be breaking different things down. All right, now you're going to be on a screen that looks similar to this, all right? So, as you can see, it's going to be a breakdown of different things that you can complain about. So, one of the secrets I talked about is making sure you pick the right complaint based on what you have going on. So, for an example, do you want to complain with Experian, TransUnion, Equifax, or do you want to complain about a certain debt collector company? So, if you want to complain about a certain debt collection company, you can click on this. If you don't, you're going to be clicking on credit reporting, all right? Now, I can walk you through both processes so you can understand what I'm talking about, but if you have other things going on, such as, as you can see, problems with your checking or savings account, maybe you have issues with your uh credit card um debt or credit management companies, money transfer, virtual currency or um other problems, student loan problems, um vehicle loan or lease problems, payday, title, mortgage. If you have any of those issues, you want to click on those specific issues, all right? When it comes to the CFPB.

[00:27:40]Now, if you want to um talk about how Experian, TransUnion, and Equifax are violating the Fair Credit Reporting Act, your rights, we want to click on this.

[00:27:49]And then, we're going to scroll down and click on credit reporting, okay? And then, from there, what you want to do is um as it proceeds to next, then which problem do you want to actually click on? I'm going to break down some of them, but right now, as you can see, incorrect information on your credit report as far as your personal information is not, you know, they didn't fix it when you submitted comp or when you sent out a letter. They didn't fix it when you told them to update it, okay? All right, now the next thing that's possible is, as you can see right here, let me put this on do not disturb.

[00:28:22]There, what you want to do is click on improper use, or you can check each one to see which problem you're having, all right? So, from there, you can click on Let's just say for example, um problem with company's investigation into an existing problem, okay? Investigation took more than 30 days. So, they did not respond to you within the time limit. They didn't respond to you that 35-day period. You can leverage this, right? You was not notified of the investigation status or results. All right, you can pick that. Their investigation, this one we kind of pick most of the time. Their investigation did not fix the error on your report.

[00:28:55]So, what I mean by that is specifically, [music] Experian, TransUnion, and Equifax have to make sure everything is 100% accurate, right? What we learned. But they didn't fix the error, they didn't modify it, they didn't do nothing, right? So, that's a violation. All they did was say everything was verified, and we asked for verification.

[00:29:12]The next problem, right? You can describe difficulty submitting a dispute or getting information about a dispute over the phone, right? If you having that problem, you can click on this.

[00:29:22]All right, so let's just say for an example, they did not fix the error on your report. Have you already tried to fix this problem? Yes. Um did you request information from the company because you already sent the letter in?

[00:29:32]Yes. What information did you request?

[00:29:34]Like I said before, this is very important to fill everything out. What information did you request? You requested them to do a thorough investigation according to the Fair Credit Reporting Act, and rem and since and [music] since they didn't do it, right, remove the account. Did the company provide you with this information?

[00:29:55]Yes and no, right?

[00:29:57]Did they provide you with information?

[00:29:58]Most likely no. Did they not fix the error on your report?

[00:30:02]And then from there you'll click on next, okay? Now, next is basically um describing what happened. So, remember I said like short affective like short but also make sure you when you create this short but add the things that you need to add. So, [music] what I like to do is do who, what, when, how. Now, remember we're only another secret I talked about is we're only going to be talking about Experian or TransUnion or Equifax, right? One of those or if you're talking to a talking about a debt collector or if you're talking about um another company, right? You're going to only be talking about that specific company, okay? Now, pick the one that just say, for example, we're going to be complaining about Experian. So, I sent the letter to Experian on X Y date, right? They didn't respond to me within let's [music] just say 35 days according to the law. I'm requesting I I looked at my report and noticed all these accounts are inaccurate and I'm and they didn't do a thorough investigation. They didn't respond back to me. You get where I'm going with this. You can um I want to publish this.

[00:31:11]It's up to you. What would be a fair resolution? Remove whatever account that you're talking about, let's just say, for example, remove um collection A 1 2 3 4, collection B 1 2 3 4, collection C 1 2 3 4 off my credit report, right? So, you're going to list out the collections that you want removed. And then you you can attach the letter that you sent. Remember I said keep copies, right? Attach the letter.

[00:31:36]You can also attach a picture of the um tracking number as well. And on that letter it will have the account that you're disputing as well.

[00:31:45]So, and craft your letter.

[00:31:49]I'm going to show you how to craft your letter if you haven't crafted a letter before where we're beginning like better results based off of what I'm going to show you, right? Then you'll click on Let me just type in something.

[00:32:00]All right, right here. You're going to click on next, okay? Now, after you click on next, what we're going to do is look for the company. So, you're going to be looking for Experian Experian Information Solutions, all right? You're going to click on social, name as it appears, date of birth, okay?

[00:32:17]Then you're going to put your social, you're going to put your date of birth, and then I'll put your name as it appears on your credit report. Do you want to complain with another company?

[00:32:23]No. All right, like I said before, one company at a time. Click on next, all right? Now, once you click on next, you're going to review everything, make sure everything is good to go, all right? Now, for an example, click on submit. Now, Experian, TransUnion, Equifax have to respond to the CFPB within 15 days.

[00:32:43]It's required, all right? So, now they can't ignore you no more.

[00:32:47]All right? Now, from there, let's just say, for an example, um you wanted to complain with a collection agency. Now, making sure if you're doing a collection agency, make sure you're willing to go to bat, you're willing to, you know, [music] do what you got to do because they they going to hit you up now, all right? Just letting you know when you do this. So, be A don't be scared, all right? I don't want you to be scared talking to these collection agencies. But if you don't want to talk to them, you can just, you know, focus on Experian, TransUnion, Equifax. But if you if you're ready to, you know, um fight against them, let's put that work in. All right, so if you want to talk to a collection agency or file a complaint against them, you're going to click on debt collection, right?

[00:33:30]And then from there, what kind of debt are we talking about?

[00:33:33]Are we talking about auto debt, credit card debt, federal um student loan debt, medical debt, mortgage debt, payday loan debt? All right? You don't know telecom Sorry. [clears throat] Telecommunication debt. You want to pick a certain type of debt um that you're that's on your credit report um in specific categories. So, let's just say, for an example, telecommunication.

[00:33:54]You have a cell phone um type debt. Or if you don't know, you just put I don't know.

[00:33:59]All right, and then from there, but I suggest you find one.

[00:34:03]Now, communication tactics. Now, remember I told you there are laws in place that the FD um that collection agencies have to abide by, right? Which is the FDCPA. Um you can look this up, 15 USC 1692. [music] Now, one of the ones that like commonly that they violate is 15 USC 1692 um CC, right? And if you read over those laws, there are certain communication ways they're supposed to communicate with you and you if you tell them to do certain things, they have to do it. If they don't, it's a violation, right? So, for example, let's just say communication or attempt or electronic communication like you told them to stop calling you, you told them you refused, you told them whatever, right?

[00:34:49]Or they called after a certain time, which is a um violation, or before a certain time, >> [music] >> which is a violation. So, just pick the one that based off pick the one that best suits your problem and let's just say communication tactics, >> [music] >> right? Called before 8:00 a.m. or after 9:00 p.m. or frequent or repeated calls, use obscene profane right? Profanity. You told them to stop contacting you, but they keep trying.

[00:35:20]Answer right here. That's a violation of the law. A lot of people don't know that, but it's a violation, all right?

[00:35:26]Have you already tried to fix this problem? Yes. Did you request information from the company? What information did you request? You told them to stop contacting you according to this specific law, 15 USC 1692 um CC, right? [music] And then did the company provide you with this information? No, cuz they didn't stop.

[00:35:45]All right, and then from there, you can file a complaint right? Stating, remember short and sweet, how what law that they violated, but basically telling them who, what, when, how it happened, and what law that they violated, okay? What would be a fair resolution? Remove this collection from my credit report. All right, attach documents. All right, you can do a screenshot of when you called that collection agency, okay? You can have that, you can upload it, and then you'll click on next. All right, and then you'll look up the company um that you're complaining about. You'll look up the collection agency. So, let's just say um Portfolio Portfolio Recovery Associates, all right? Account number, social, all right? Put the account number, social, all right?

[00:36:30]Is this Is this company where the debt came from from the debt Is the company where this debt came from different than the company entered above? Either yes or no or you don't know.

[00:36:42]And from there you'll click on next, all right?

[00:36:46]And then you'll submit everything, make sure everything is good to go, and click on submit, all right? All right, now let's talk about if you never sent a letter to Experian, TransUnion, Equifax.

[00:36:55]Let me help you, okay? You want to go to hiddencreditreport.com, all right? The reason why you want to go to hiddencreditreport.com is going to get you access to your report, okay? And then from there, what you're going to do is once you log in or once you go to hiddencreditreport.com, click on it, costs a dollar, and then from there, it's a dollar 7-day trial, but you want to keep this um ongoing, okay? You're going to click on when you log in, you're going to click on reports. You're going to click on When you click on reports, you're going to click on review reports and scores, okay? You're going to click on switch to classic view. Now, once you click switch to classic view, you're going to see a list of all your accounts, right? Every single account on your report, the open accounts, closed accounts, your inquiries, you're going to see your personal information, you're going to see everything, okay?

[00:37:39]Now, from there, what you're going to do is you don't have to learn all the different laws. You're going to screenshot all the negative accounts on your report, right? Every negative account you got with either either um let's just say collection. We're not talking about like open accounts, the negative accounts that are affecting you. Okay? Now, if you do have open accounts like a student loans with multiple late payments or a car loan with like multiple late payments [music] or a credit card like with multiple late payments, all right?

[00:38:10]I wouldn't advise you to dispute the credit card if you want to keep it because they might close it. But the car loan, they're not going to come get your car, okay? You can dispute it, they're not coming to pick it up.

[00:38:22]Um home loan, if you have a home loan on your report and you have multiple late payments, um life happened, whatever the case may be, you can dispute it, they're not coming to get your house, okay?

[00:38:31]So, from there, what you're going to do is go over here right here. Let me show you. You're going to go to ChatGPT, right? And then you're going to upload, remember what I talked about, the screenshots. All right, you're going to upload all your screenshots of negative accounts, right?

[00:38:46]Now, just upload example of Let me just remove.

[00:38:50]You don't get confused. And you're going to prompt it with this. Act like a world-class CFP expert with 20 plus years to find violations according to the Fair Credit Reporting Act, all right? And then from there, what it's going to do is analyze those images that you talked about and it's going to find violations according to the Fair Credit Reporting Act, all right? So, now you don't have to learn all the laws, you don't have to um basically understand everything, you can just leverage artificial intelligence, use it, and then from there, you're going to find all the violations that you need to help you um create a letter to send to Experian, TransUnion, Equifax. And your next prompt is now create me a letter to send to Experian, TransUnion, Equifax. Once it creates the letter, print it off, and then you're going to mail it to Experian, TransUnion, Equifax and wait 35 days.

[00:39:52]>> Mhm.