This method has roughly a 70% success rate and works in 24–72 hours. I've seen collections vanish same day. Here's the play: Open Credit Karma on your phone. Go to Accounts, find the collection or negative item, and hit Dispute Item. When it asks for the reason, select "This account is involved in litigation." Do NOT select ownership. In the comment section, paste this exactly: "I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens (Mo) 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists." Submit it. Check back in 24–72 hours. In a lot of cases the account shows deleted immediately. This is one method. There are more where this came from. 🔓 Unlock the full breakdown at Level 2 — which means you actually have to participate and take action. That's the point. The people who move are the people who win.

My name is Allen McMillan. I’m originally from Washington, DC, and currently reside in the metro Atlanta, GA area. I am focused on repairing my personal credit while also building strong business credit. Our goal is to leverage business credit to help provide housing for homeless veterans, along with developing other business ventures we have planned. At the core of everything we do is a commitment to giving back and making a meaningful impact in our community.

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I'm Tonia, from Atlanta. I'm rebuilding after having amazing credit and running into and trusting the wrong person. 🤦🏽‍♀️ I'm not sure how I got introduced to this group or how I decided to sign up but, I've been sitting on it for a bit and finally decided to peek in an see what's going on in here. Apparently, I've been missing out! My goal is to restore my personal credit and build business credit to get funding for my new businesses. My main problem is focus. I'm doing 50-11 things at once IRL. Now I'm ready to focus here and get moving. That's my story so.. Hey, everyone. Hey! 👋🏽