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#1 PROVEN Strategy to Remove a Charge-off From a Credit Report - YouTube
Channel: Ask Kristin
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Today we are once again talking
about how to remove really
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difficult accounts like Capital
One, or anything where there's a
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bank involved, it doesn't matter
if it is a mortgage, if it's a
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repossession, if there's a bank
involved, you know, for a fact,
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you cannot lie to me, you know
for a fact that these things are
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really difficult. And if you
don't know how to dispute them
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correctly, then you're not going
to be able to get them removed
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in a reasonable period of time.
And that is what we're going
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over today. So look at your
screen right now, I do have
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permission from this client to
use this without blocking their
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account numbers, we are looking
at a capital one charge off. Now
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as you can see, everything is
all over the place, we have
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different date last active, we
have a different date last paid
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we have a totally in congruent
payment history. And guess what
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this is what factual basis
building is we are using the
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information that they the credit
bureaus to creditors, the
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collectors are reporting
themselves. And that is what
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we're using to support our
argument just as an attorney
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would in court to get our
deletions. Right. So let's start
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with the very first thing that
you would use to remove this
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account. And I did remove this
account. So take a look at the
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date last active that's right
down here we have 1020 2019,
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three 121, and six 120. Those
are three different dates. And
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that's three different years.
How the heck can you have three
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different years in the dealer
stock? Do you know what this
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means? This means that this
account will naturally be
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removed three different times,
you get what I'm saying? Because
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the deal is active is the date
that determines when your
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account will naturally fall off
the credit report. So if we have
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three different dates, then this
is going to come off on three
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different years. Okay, so that
is going to be your biggest
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impact. That is your smoking gun
right here, my friend right
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here, okay. Now, if that doesn't
work, because most of the time,
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it's not going to when you're
dealing with these very
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difficult accounts, stop
believing just pausing right
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there, stop believing these
people, when they're telling you
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that it is as simple as sending
a one round of disputes. Because
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if you were like that, it
wouldn't go on your credit
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report to begin with. They do
this because they know they're
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making a consequence and letting
other people know what type of
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borrower you are. Alright, so
now we have date last paid.
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Alright, so two of these dates
are the same to 1121. We have
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one that is six 120. I mean, is
that a big, big, big gun? I
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wouldn't really say so I would
probably skip that. Use that on
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round three, and go over into
payment is really good. This we
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have charged off charge charge
charge off charge off we have
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okay, but we're down here. It's
115. I mean, you don't have the
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unless you're colorblind,
obviously, I mean, you can see
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the different shades. You can
tell that this makes absolutely
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no sense. Okay, if this
information is coming from the
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same creditor, which it is, then
why do we have such incongruent
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information. So the very first
thing you can do is go back to
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the very first late payment that
you see. And just because we're
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dealing with a two year payment
history, we're gonna choose
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August 2019. And we're gonna
say, Hey, I paid on time because
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guess what, they are not going
to be able to legally verify a
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late payment without furnishing
a copy of their the bank's
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credit union bank statement
showing that you did or did not
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pay on time. All right. So you
can say I paid on time on August
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2019. Delete this account, don't
see update there, no way to
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update this. Delete this account
for inaccuracy and false
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reporting. Okay. Now, when it
comes back, and they say, Oh,
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well, it's verified bla bla bla,
guess what? Look at the comments
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section right here. It's
supposed to say disputed by
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consumer, the notice of dispute
is required to be there within
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30 days of receipt of your first
dispute. If it's not, then guess
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what? violation? Okay. So
pursuant to Section 623, they
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are required to put this notice
of dispute if they don't, then
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that is it, my friend. So if
that doesn't work, no, you can
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go over here and you can see
that they have activity and
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reporting is activity after this
account was closed. So I'm
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assuming that this account was
charged off, let's just say
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March 21. Right? So there
shouldn't be anything after
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this. It shouldn't say okay, it
shouldn't say charged off there
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should be nothing after okay. So
if that doesn't work, now, you
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can start looking for
violations, why are they still
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reporting it when you already
pointed out that there is a
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violation, you can choose any
other date here and ask for
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deletion for inability to verify
you have a whole horde of things
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that you can work with. Now, if
they say verify, but they don't
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change this date do is reported
where it says 715 21 715 21 and
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seven 121 then it means that
they verified it without
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investigation because otherwise,
this date would have been
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updated to the date that they
quote unquote, verified the
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account. Okay. So you have so
many things that you can go
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after, don't bother saying I
don't owe $589. Don't even
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bother with that. Don't go after
the date open. I don't care that
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we have different dates here.
This is not going to remove that
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account. Don't go after them,
saying Hey you didn't I don't
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have a contract with you you
don't have my signature that is
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not going to remove that account
I am showing you right now what
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needs to be used in your
argument to get the account
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removed. If you use anything
other than that then you are
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running into the possibility or
the probability that you're not
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going to be able to remove your
account in any decent period of
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time Okay, you have so much to
work with and this goes for any
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type of account. Now, just as a
side note here, you would not
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use this method to remove
portfolio recovery I have a
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video specifically on that and I
will post it down in the
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description where you can find
all the other links
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to everything else that I have
okay. So, just Just so you know,
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how you would remove portfolio
recovery Midland second round
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all of those, you are going to
be looking for a limit a past
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due and as well as payment
history okay? So unless you like
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physically paid to them, there
should not be any payment
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history. And then you would
actually go after date last
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active and then go down the
hierarchy. Alright, so that is
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it for today. This is how you
remove charge offs. This is how
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I remove charge offs. This is
how my clients get their charge
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offs and their repossessions and
foreclosures in their late
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payments removed. And it's all
using the fact that they the
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credit bureaus, the creditors,
the collectors, whatever are
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reporting directly on their
credit report that my friend is
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called factual disputing.
Alright, so I will see you again
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tomorrow. I hope you have a
great day. If you need my help
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and want to see if I can do a
credit sweep for you. Just use
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the link that you can see right
at the top of the window and go
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to my740.com schedule a call me
and I will see if I can help but
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otherwise, have a great day.
Have a great weekend and I will
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see you later
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