Hello I'm currently a client (Credit Supreme) and would like to see about speaking to a software developer on trying to Triple our current clients. If you can please have someone from your office reach out to me.
You didn't cover in this video? charge offs That's still with original creditor that's 2 years old or more, yet still reporting charge off every month. Or charge off with original creditor that's reporting inaccurate information
The company is not falsely reporting. The original creditors is accurate in there right to report it as a derogatory history. It is on the 3 credit bureaus who bare the burden of proof in accordance with the law. Which falls under accurate reporting. Per the law. Don't remember state off the top of my head. But, in short a charge off is a claim of loss by the creditor to the IRS. For lack of a better term they forgive or gifted you that debt. And should have been issued a 1099 c tax return form. Usually (they dont because thats a tip off )As the debt which had now been claimed as a gift forgiveness or payment to you. By doing so you are now tax liable for any amount exceeding $599 . Your 1099 means this is now to be reported as income not bebt. Thusly making the charge off(s) on your report inaccurate as a debt. So to further report that negative remark is inaccurate and grounds for immediate deletion per the law. To remove it you must send all 3 credit bureaus a dispute letter referencing the account the charge of date and site the act you are sourcing from. This happens fairly quickly.
What about the fact that the debt is insured and paid in full after 90 or 120 days. This insurance is paid for by the borrower as part of their payments so what are you talking about?
if the balance is 500 but the limit is 2000 the pretender lender gets the two thousand as covered by the the insurance policy which every credit card has and is paid for by the so called borrower
Why don't credit repair companies ever mentions this important fact when the so called lender has been paid in full so how can there be a balance? It seems to me that there are a lot of double dipping going on. How can they report a loss when they have been paid in full and how can they sell a debt which has been paid in full by the insurance that the borrower who paid for that insurance policy. So there is no longer any debt owed. Is this not fraud by the pretender lenders who never lent anything to begin.
I only have a charge off from Santander have used 3 different credit repair companies they all said they could get it off and 3 years later none have. If I pay it I was told not only will my score go down but it starts the clock again for another 7 years. Any advice?Thank you,
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I’m still so confused, want to bang my head on the wall. Tried so hard to get my credit up. I really did try. I had it at 590, I started at 545 I just had to charge off and it dropped it down to 535. It just feels like there’s no hope.
I had a credit card charged off after we went to court about the credit card and now is been charged off and is been abt 5 years plus. Now I just went back to the bank that the credit card was with to do business with again but they telling me that credit card that was charged off needs to be settled with the other company that the card debt was sold to. So question is do I have to pay this debt or call the company and settle that debt so I can have a good business terms with that bank again or what should I do please.
Hi, so the court didn’t do anything? 6 years plus now. did you get it off your report? depends on your SOL, but I would just wait till it fall off. cause if your pay then you may start the clock. that’s what been told.
I want to delete my charge off by myself but I get confused and frustrated by the time it comes to collect the information I need to get them deleted! 1. I have 2 different charge offs, 2. I'm on disability and can't afford anything but rent food and barely utilities! How do I go about it if I can't even afford help
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You might as well not pay it. Your credit is already scarred and when you pay it, you still have a hard time removing charge-offs. Don't talk to the debtor (collection agency) because it's possible for them to restart the reporting. Bite the bullet for 7 years, especially if you have big debt or it's been on your credit for years already.
That's all good until they bring you in front of a judge for a lawsuit and your wages are garnished for monthly payments you can't afford. Work with the creditor(s) as much as possible to get payments planned, trust me.
How can I get help with a charge off that isn’t accurate? I have asked but 4-5 utubers never replied. I made a few payments to a debt collector because we had an agreement, next thing I know there’s anew debt collector and the first debt collector said the original creditor could change debt collectors. However the first debt collector must have kept payments because original creditor was listing my original debt and added $1,000 more making a total of $6,000. Can they add $1,000 for no monthly payments? I paid a few months, if I mention this then the they will deduct a few hundred off of $6,000, I want to get rid of debt, any suggestions. Hey I am 80 and my son is the debtor and is a disabled Vet with several mental health issues, PTSD, memory loss, ocd, schizophrenia, etc.,
I have left several messages to different people on utube to help me with my sons charge offs. I said I was willing to pay a little. My son is a vet and is disabled 100%. I am his dad and 80 yrs old, not familiar at all with credit scores, etc., can you help me? Thanks
How easy is it really to repair people's credit and charge them for.it? I've had great credit forever and never used your methods. And i suck at sales. But I am sure I can help people
I need help deleting a few charge offs from my credit. I settled them with the understanding that they would delete them. However, they did not and told me that they will stay on my credit for 7 years.. Even after I settled. I went to try to buy a car and got denied.
I have a credit card with Apple that was charged-off August 2022. I keep expecting to hear from a credit collections company so I can negotiate a lump sum payment but still nothing. How do I know if and to who my debt was sold to? I’ve talked with debt settlement companies but they have told me that Apple does not negotiate.
Awesome content!!! I have a collection and monitor my credit as I’m improving my score . . . each month the collection company adds a small amount to the total due. Is this debt/collection still moving toward falling off my report in seven years OR does that small addition to the total reset the timing on the debt?
Hi I have a charge off it’s been paid almost 6 years now I have another year for it to fall off. I sent all kind of dispute letters within 6 years it staying on my report for 7 yrs.
I settled with debt collector and I know they are not in tilted to delete but it’s still on my credit report 6 months later as a charged off / I settled for less than amount owed . Any advice on how I can remove this ? Thanks in advance .
I had EVICTIONS, JUDGEMENT and quite a number of other negatives items on my report with a low 400's CREDIT SCORE. These prevented me from getting a montage until I started looking for help. After he finished working on my REPORT in just 7days, my CREDIT SCORE increased to 780, all the negatives items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, installment tradelines and Auto tradelines) on my report, I got the mortgage and that was phenomenal! Nutshellforce_ on IG 🙏🙏🙏
Collection agency can only delete the collection account from the credit report but not the charge off as that’s up to the creditor. that’s what I been told. mine is paid and collection account deleted but stuck with the negative charge off still reporting. How is yours?
When doing a factual dispute do you put the details? Such as "high balance incorrect" and then add the amounts being shown from each Credit Bureau and send in a copy of the report showing the errors?
Hey there! This is a great question for our Credit Repair Cloud Facebook community! 🙌 One of the 17k #CreditHeros there can help you out. facebook.com/groups/creditrepaircloudcommunity
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