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Dispute credit report: 4 Dispute Secrets - YouTube
Channel: Client Dispute Manager Credit Repair Software
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all right so if you are a credit repair
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company or someone looking to repair
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your own credit and you want to know
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four of my top dispute secrets then you
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definitely want to continue watching
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this video now in this video I'm going
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to share with you four dispute secrets
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that a lot of top credit repair
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companies and credit repair specialists
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just don't want you to know now the
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first secret that I learned while in the
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credit repair industry is how to dispute
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a balance quickly now say for example
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you are trying to buy a house or your
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customers trying to buy a house and you
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want to raise your credit score really
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fast so the first dispute secret is how
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can I raise my credit score very fast
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and the fastest way of doing that is by
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paying off your revolving credit cards
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paying off their revolving credit cards
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to at least 3% now that's the first part
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though the diamond here is that now that
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you've paid it off to least 3% we want
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that to reflect on your credit report so
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when FICO raise your credit score again
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it'll see that you've paid off your
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balances now if you sit in a standard
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dispute letter it's going to take you
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thirty days because the credit bureau
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has 30 days to investigate but if you
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use what i'm about to show you right now
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it can take you at least at minimum two
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weeks to see a difference in your
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balances on your credit report now what
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is the answer the answer is disputing
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the balances online so all you have to
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do is go to Experian com Equifax
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TransUnion and you want to dispute the
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balance you want to say that you paid
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these balances off or you paid them down
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to 3% and by doing the online dispute
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you will see a result a lot faster than
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if you was a man
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right especially if you're trying to
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raise your score quickly to buy a house
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or a car so that is the first dispute
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secret so let's go on to the second one
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all right the 24-month rule now what is
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the 24-month rule you see a lot of
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people unless you went to my credit for
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master class a lot of people don't
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understand what the 24-month rule is and
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the reason why is because I'm the one
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who came up with it like I came up with
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it
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with this concept right right now don't
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let other people fool you when they say
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oh I've read it somewhere else but no
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the 24-month rule I'm the one who said
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hey here's the 24-month rule but the
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parameters still apply but what I'm
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about to show you is very important now
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here's the thing according to FICO any
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derogatory or negative information
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within the first 24 months okay so we're
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talking about today and backwards so
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today and we're going to go back 24
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months any derogatory information in the
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first 24 months impacts your credit
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score the mouse now how is that a
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dispute secret mark okay I'm going to
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tell you I'm going to tell you first of
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all the first thing is knowing that so
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that's the first secret is that you now
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know that any derogatory information on
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your credit report within the first 24
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months it's impacting your credit score
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the most so if you are trying to remove
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inaccurate items from your credit report
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why would you dispute information that's
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five years old when you know FICO said
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any information within the first 24
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months will affect your credit report
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and score the most so what should I do
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well the answer is go after anything
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that's inaccurate within the first 24
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months so if you start attacking and
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removing inaccurate information within
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the first 24 months guess what happens
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to your credit score he goes up all
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right so let's talk about the third
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secret dispute how do you stop
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collectors from suing you now you see a
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lot of people make this mistake
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including experienced creditor /
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companies but after watching this video
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I guarantee you you won't make this
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mistake again let me explain the
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collectors and the creditors they have
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what we call the statue of limitations
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on when they can sue you for a debt now
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each state each state has their own
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statutes of when a creditor can come
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after you for the debt now that can
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range from two years all the way to six
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years so you have to check your state
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law or when that debt collector or the
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creditor can sue you now most creditors
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and collectors will sue you within the
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statute of limitations if your debt is
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extremely high all right if your debt is
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extremely hot so that's why we say we
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always say if you have anything over two
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thousand and above be careful with
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disputing it if it's within the statute
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of limitations because the creditor or
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the collector can sue you you see that's
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not the secret well that's a bonus but
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let me show you what the real secret is
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now here's where the mistake happens
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hoping right now I hope you have
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something to write down here's what a
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mistake happens some people because they
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don't know or they don't understand they
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send the debt collector a cease and
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desist letter with in the statute of
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limitations now if you send the debt
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collector a cease and desist letter you
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are telling the debt collector to stop
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communicating with you completely that
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means my phone and by by mail or by any
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way of communication that the debt
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collector can get to you now if you do
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that the debt collector has no other
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choice but to do what sue you so the
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secret here is is to never send the debt
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collector a cease and assist
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that will stop all communications what
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you want to do is you want to send them
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a letter telling them to stop calling
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you only but they can still communicate
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with you by mail
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all right so I hope you enjoy the secret
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so far they're very powerful very
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powerful now the last secret is this
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here's the last weaken now get this
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question all the time how many items
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should I dispute at one time now the old
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days you would say four or five items on
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on in a dispute letter at one time but
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here's the problem with that will a real
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consumer only dispute four or five items
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at a time so now let me ask you to ask
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yourself that question what if you got a
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credit report and someone stole your
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identity and there was twenty to thirty
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five inaccurate accounts on your credit
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report would you only just dispute four
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or five because you think the credit
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bureau is gonna send you a frivolous
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letter or will you dispute every single
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one on that particular credit report the
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answer is you dispute every single one
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on the credit report so when you look at
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your credit report you want to look at
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all of your hand accurate information
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and you dispute based on what you feel
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that's inaccurate all right so I hope
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you enjoy I hope you enjoyed those four
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just few secrets now I have something
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for you may 18th 2009 teen I'm hosting
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the client dispute manager software is
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hosting the first online credit repair
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disputes summit now in this summit we
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have six of the top credit repair
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experts when it comes to disputing we
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also have as a special guest a credit
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repair attorney Boyer a lawyer that
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Sue's
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credit bureaus on a regular basis for
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violating your rights now if you want to
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attend this online dispute something
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it's best that you hurry and click the
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link somewhere in this video
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wherever the link is in this video click
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the link and get your early bird
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registration all right because we are
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going to sell out we've already saw a
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lot of tickets to the online dispute
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summit that means online no travel no
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airplane no hotels no nothing just show
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up online turn on your video and be
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ready for the online dispute summary
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