04/07/2022
Credit facts ‼️‼️
A lot of times when things aren’t coming off your credit it’s because of INNACURATE addresses on your report, if you have addresses you NO LONGER stay at and your trying to dispute a account associated with that address it won’t be removed. you need to take the necessary steps to remove those addresses. which can raise your score ❕
STUDENT LOANS can be removed but need to be closed
MEDICAL BILLS can be deleted off your credit being that them being on your credit is a violation of the HIPPA law and your rights ❕
If ANY debt has been SOLD or given to a agency , your NO LONGER responsible for it 💯 they debt was paid for by that third party to the original creditor and you no longer owe that debt 💯 ALSO it is illegal for a third party to reach out to you and call your phone inquiring about this debt and you can actually get paid up to $1,500 if they continue to contact you. 💯
Also LAST BUT NOT LEAST there are 4 results when getting your credit together …. DELETED (THE GOAL) UPDATED which means they updated the information but STILL dispute it ‼️‼️ VERIFIED which means they verified the account was yours with the credit bureau, follow up with the second round of letters.
“NO RESPONSE” which means they didn’t respond at all after 30 days send another round of letters. Depending what you have on your credit the first round of letters don’t always work 💯 so a second round or even a third round of letters may have to be sent. it’s a process but it can be done 💯
