Below are a few collection dispute codes that have been working really well lately. Feel free to test them out and put them to work 👇 🔹 COLLECTION DISPUTE CODES 🔹 ✅1) 12 CFR §1006.34(b)(5) Reason for Deletion: Failure to Provide Required Itemization This collection account should be deleted because the debt collector failed to provide a proper itemization of the alleged debt. Federal law requires a clear breakdown of the balance, including interest, fees, payments, and credits applied after the itemization date. Without this required information, the amount reported cannot be verified as accurate or complete, making the reporting noncompliant and subject to deletion. ✅2) 12 CFR §1006.34(c)(4)(i) Reason for Deletion: Failure to Properly Identify the Original Creditor This account should be removed because the debt collector did not clearly and accurately identify the original creditor as required by law. Without proper disclosure of the original creditor, the consumer cannot reasonably confirm the validity or ownership of the debt. Any collection reported without this required information is misleading and must be deleted. ✅3) 12 CFR §1006.34(d) & 15 USC §1681s-2(a)(7)(A) Reason for Deletion: Failure to Validate and Reasonably Investigate This account must be deleted because, after being disputed, the furnisher failed to conduct a reasonable investigation and provide proper verification. Federal law requires disputed information to be investigated and corrected or deleted if it cannot be verified. Since the accuracy and validity of this account were not proven, continued reporting is unlawful. Good luck 💪 2026 — we’re applying the information we learn💎

MOST BANKS, WHEN THEY APPROVE AUTO LOANS, DONT PUT THE MONEY DIRECTLY IN THE HANDS OF THE CONSUMER BUT I GOT 1 THAT DO!!! AND THEY DEPOSIT THE MONEY DIRECTLY INTO YOUR ACCOUNT -AUTO LOANS TYPICALLY ARE THE EASIEST TYPE OF CREDIT TO GET APPROVED FOR SO YOU GET APPROVED FOR HIGHER AMOUNTS THAN YOU WOULLD ON A PERSONAL LOAN OR CREDIT CARD LIGHTSTREAM.COM DATA POINTS: -PULLS FROM TRANSUNION -700+ CREDIT SCORE -2+ YRS CREDIT AGE -100% PAYMENT HISTORY -8+ ACCOUNTS -3 OR LESS INQUIRIES -NO DEROGATORY OR COLLECTION ACCOUNTS ****DONT GO OVER 35K FOR THE ASKING AMOUNT

Happy New Years Everybody Hope Everybody Holidays And New Years Went Good But Now That That’s Over It’s Time To Lock In On New Goals❕ I’ll Be More Active In The Group So Any Questions You May Have Just Post It And I’ll Be Sure Yo Answer Any Questions And Also Share Results That You Get For Yourself Or Clients ******Ill Be Dropping A lot Of New Info And Methods These Next Couple Days

INTRODUCTION 🚀 PROFIT OFF CREDIT UNIVERSITY ENGAGE! ENGAGE! ENGAGE!This only works if you interact, ask questions, share results, and help others win. 🌍 COMMUNITY This is YOUR space. Everyone is free to post, ask questions, share results, and drop gems. 🔹 TABS GENERAL DISCUSSIONS – Post and engage with others. HIDDEN GEMS – Bonus plays & bank hacks. PLAYS – Bank plays (ex: Lightstream Auto Loan). REMOVALS – Share deletions you’ve gotten for yourself or your clients. QUESTIONS – Ask anything! If you know the answer, help others by engaging. 🎓 CLASSROOM Step-by-step instructions on: - Updating personal information - Removing hard inquiries - Deleting collections/charge-offs - How to obtain $30K+ in personal funding ➡️ Follow the classroom in order, and by the end you’ll know how to secure $30K+ in funding. 📅 CALENDAR Stay updated with upcoming Zooms and events. 🏆 LEADERBOARD The more you engage, the more information you unlock and the higher you level up. 🎁 Monthly giveaways for top leaders! 🔥 Thank you for joining — and welcome to Profit Off Credit University. Let’s win together! CLICK ON THE LINK BELOW AND INTRODUCE YOURSELF TO GET YOUR FIRST ENGAGEMENT OF THE GROUP AND A HEAD START TO UNLOCKIG THE NEXT LEVEL OF INFORMATION https://www.skool.com/profitoffcredit-university-9697/hey-welcome-to-profit-off-credit-university?p=faa208c6 Hey Introduce Yourself And Let The Community Know Where You’re From And A Fun Fact About Yourself Under This Post👋🏾🤝🏾 And Pick An Option For Why You Are Wanting To Fix Your Credit📈💎