Hi, I just subscribed so you may not want to help. I have a 634 FICO score and have one item in collections. I called the collections agency and offered to settel for 30 cents on the dollar and they said the lowest they can go is 50%. The amount owed is $1443.00. I'm trying to improve my score so I can co-sign on my daughter's education loan. Sallie Mae says a 643 is too low. My DTI is 93K to 50K. 87K of my debt is my co-signing for my daughter's student loans 43.5 to College Ave and 43.5 to Sallie Mae. Do you have any advice. Thank you, Chris
What data is stored in the tool and who can access it? What are the retention practices? Is data encrypted in transit and at rest? Where can I find your data privacy practices?
Hello I'm, about to enroll in thia new tool but I have couple of questions: 1- Do I still need to freeze bureaus first? 2- After freezing out bureaus do I need to wait 30 days before beginning disputes? Thank you
It didn't work for me. The inquiries on my credit report were my doing and were legit. There were no frauds or anything shady. While my credit score is 810+, the inquiries are the downfalls that prevent me from applying from additional credit cards. Only thing I can do is wait until it falls off my credit, which will be in 04/2024 and others in 11/2024. @@Email-naamwynn72_Gmail.
lexington law has been a legit waste of time for me and my family. I've had tried different repair companies all to no avail untill i was referred to SolutionX and i'm grateful. I was a little below 600 but now I’m up 830 within a week,thanks to the agency expertise, my student loans,bankruptcy, business loan were also taken care of,thier Google chat info are 🎉SolutionXcatalyst
Just signed up and this is a complete waste of money. the dispute suggestions aren’t anything out of the ordinary and direct laws are not stated to help you with your dispute as mentioned.
Laws are not needed on the letter when it comes to disputing. You can write a dispute on a napkin and the credit bureaus will still investigate. Disputing does not need to be complicated.
Hey brother, I just signed up, and the process was super easy, and I will be mailing them tomorrow. My only question is, can you dispute the hard inquiries as I don't see that section, but I did see the accounts, and the generated responses were well put together
do i challenge the creditor/debt collector directly or challenge the credit reporting agency? I have a ton of write offs etc. how do i attack this? thx.
I sent out the letters on the 5th of September so I'm still waiting for the updated outcome in 40 days. It did provide good response and showed the information like he started. The one thing I would say is make sure you look at the responses to make sure it's right for you but the fact it lay everything out in the one letter is amazing so you send one letter to each bureau and be done
This may be a stupid thing but im young and new to building credit. Recently my credit score just dropped from 750 to 619 but i am able to use *85O credit rest0ration* websites to get to an 800 I was stuck at 750 for a while and I’ve been trying to get to 800. I know in this video you think these methods work for ppl with below 400 but i wanted to make sure someone with over 200 could use these websites.
Are you using scores pertaining to Vantage or Fico? Some negative accounts will appear on either or, I have one that does not show under the Vantage score model but still appears under the FICO score model.
I was searching and came across with this video....Not sure if you'll see this comment but I was able to submit 3 complaints to ID Theft, however I can't get any more verification codes and I've Tried several different numbers but lucky me my cousin recommended *GLAVISTECHZ* he’s a professional tech guru. He was able to delete it. I suggest you send him a request if he can be of help.
Very nice software but you should incorporate a mailing service into the software this way people won't even have to leave their home. I'm sure it wouldn't be that difficult to add to the software and you could even make a nominal fee for using their services. Just something to think about.
My brother, you needed this! I already had ideas of raising my score. But I just found more ways because of this. *top phase resolution* are such a blessing, keep going frl!
Hey man. So you can only link one 3B credit report at a time, so you and your wife would need a separate account. Hope that helps. If you have any other questions let me know.
Hi Naam, I tried the software and 2nd attempt to dispute now. I saw other youtube videos of next is to complaint to cfbp. I am going to see the outcomes of 2nd attempt. Any advise?
I would go through the whole process since it could take up to 5 months. I would consider a CFPB complaint if there is no response after the second letter.
I was searching and came across with this video....Not sure if you'll see this comment but I was able to submit 3 complaints to ID Theft, however I can't get any more verification codes and I've Tried several different numbers but lucky me my cousin recommended *GLAVISTECHZ* he’s a professional tech guru. He was able to delete it. I suggest you send him a request if he can be of help. He can bypass the cfbp closed server incase you’ve tried once before.
If it’s off, there’s really no point since it won’t benefit yours credit score. Depending on when it was first delinquent, collectors can still sue and collect
Most people will say never pay debt collectors. Which most of them have varying reasons and points, I would agree with this - but do your due diligence. As far as fixing your credit, if it’s already deleted, don’t worry about it in the extent of your credit - your fine. One other thing to consider tho, is in some cases, even if it’s deleted from your credit (forget about the debt collectors in this example), if you owe a company say for example a mobile company or financial institution… it may no longer be on your credit, but there’s an extremely good chance that it’s in there own records… and before being able to do business with those brands ever again, you may have to clear up that balance first. Also another thing to before carful of… is by law - making a payment on any outstanding account acknowledges the existence of that account and can restart or “reset” the statute of limitation on collections…
You can still sign up without linking a credit report to watch all the tutorial videos to see how it works. If you like how it works, I would love to see you on the team
*85O Credit Restorati0n* is the best credit repair expert I’ve ever seeing on YT.The dedication, passion and humor he has in these credit industry is what makes it so amazing. ‘m happy it’s easy to use on backend but excited to see you give that penny to creditors!
Hi Naam, I’ve been watching your videos for about a couple of weeks now and just subscribed to your channel and credit rehab pro. I just sent out my letters earlier today and will update the results once I hear back from the credit bureaus. I know this is a marathon, I was hesitant on subscribing but decided to pull the trigger because it was time for change. Thank you Naam for the informative videos, and making this process smooth and easy.
@@Bridgetownnosa Yep, after the 68 point increase I decided to pay off my remaining debt which helped my score a lot I went from 541 to 685 from the letters and paying the rest off. Hope that helped.
This may be a stupid thing but im young and new to building credit. Recently my credit score just dropped from 750 to 619 but i am able to use *85O credit rest0ration* websites to get to an 800 I was stuck at 750 for a while and I’ve been trying to get to 800. I know in this video you think these methods work for ppl with below 400 but i wanted to make sure someone with over 200 could use these websites.
You can pay &40 to have someone else fix it, not worth the hustle or the money so you practically want the money with out having to do the work for us🎉 ok I get it
@@Mr.SRT45 by the time you fix your credit with this tool, you will be spending the same or more 🤦🏻♀️🤣but go ahead, good luck I'm not burning his hustle, I will give you an advice with your money take a course on how credit works🤗
It is legit yes, but that’s an extreme over simplification. If you wanna do some research and due diligence… just look up “consumer law” - if you check RU-vid, there’s a lot of information on it. Just keep in mind, there’s a lot. What people say online can leave out information/content, so definitely do your own to verify everything at the same time.
