@Vivian Favors No ma'am! 💯🙏🏽

@Shantress Frazier This is the new process call credit washing, all these hacks and sweeps are being targeted, and you can be fined, go to jail, or simply lose accounts for false claims! TransUnion is already using it, and EX/EQ will soon follow...this will end credit repair as we know it! The TransUnion Credit Washing Solution is a new set of data analytics tools and scores designed for lenders to detect and manage the risk associated with "credit washing," which is the practice of fraudulently removing legitimate, accurate negative data (like charge-offs) from a consumer's credit report. It is not a service for consumers to clean their own credit. What is Credit Washing? Credit washing is when individuals or credit repair organizations dispute valid negative information on a credit report with the goal of having it temporarily or permanently suppressed, thereby artificially inflating the consumer's credit score. The practice is distinct from legitimately disputing and correcting inaccurate data. This fraud can cost lenders billions in losses from consumers who take on new debt they never intend to repay. How the Solution Works The TransUnion solution is designed for use by financial institutions during processes like account origination, prescreening, and portfolio reviews. It helps lenders differentiate between legitimate disputes and suspicious suppression activity using advanced analytics and machine learning. The solution includes a Credit Washing Default Score that predicts default risk based on charge-off suppression history, Tradeline Washing Attributes to track unusual changes in reported charge-offs across different types of credit accounts, and Inquiry Washing Attributes to identify suppressed hard inquiries. These tools help lenders identify high-risk consumers for further review or to adjust credit decisions, ultimately reducing potential losses. https://www.transunion.com/faq/what-is-credit-washing#:~:text=How%20TransUnion%20helps%20lenders%20address,reduce%20losses%20and%20improve%20targeting. 💯🙏🏽

@Shantress Frazier Don't do it unless you are a victim of fraud. Submit inaccurate information disputes or file a legal lawsuit complaint. Trust, you want to stay away from FTC reports if you are just doing for quick removal of accounts. They are cracking down on those using this method! 💯🙏🏽

@Chary Caruso You have the exact same story as @Malina lika Kevin and @Cheyan Ellis Annies 🤣

@Cheyan Ellis Annies You have the exact same story as @Malina lika Kevin 🤣