I have had the most amazing experience with this Academy! It not only helps with understanding credit but it walks you through step by step so that you know what to look for and understand the terminology better.. @Simply Royal thank you soo much!!!!

If you don’t know your rights… they’ll act like you don’t have any.And that’s exactly why most people lose the credit dispute process before they even start. Here are 10 powerful FCRA rights you need to understand — and how to use them to protect your score and fight back legally. 🔐 Top 10 FCRA Rights (Summarized): 1. §611: Right to Dispute Inaccurate InformationYou can challenge anything you believe is inaccurate, incomplete, or unverifiable. 2. §611(a)(1)(A): Right to a Timely ResponseBureaus must respond to your dispute within 30 days — or delete the item. 3. §611(a)(7): Method of Verification Request (MOV)You can demand proof of how the bureau verified the information they “confirmed.” 4. §605: Time Limits on Reporting Negative ItemsCollections, late payments, and charge-offs can’t be reported forever — 7 years is the limit for most. 5. §623: Duty of Furnishers to Report AccuratelyCreditors must investigate when you dispute directly with them (not just with the bureau). 6. §605B: Identity Theft BlockIf you’re a victim of ID theft, you have the right to block the item from your report entirely. 7. §609: Right to Request File DisclosuresYou have the right to request all the information in your credit file — including sources of data. 8. §602: Purpose of the FCRAYou’re supposed to be treated fairly, accurately, and with privacy in mind. 9. §604: Permissible PurposeOnly authorized parties can pull your credit. If not, it’s a violation — and grounds for removal of inquiries. 10. §610: Right to Sue for ViolationsYou can take legal action if a bureau or furnisher refuses to comply with FCRA requirements. When you use tools like CreditShieldPro™ and CreditReport Decoder™, these laws are embedded into every letter, analysis, and strategy we give you. 💼 You’re not just sending a letter —You’re standing on federal law.

Got a Bankruptcy or Judgment on Your Report? Here’s How to Legally Challenge Public Records 👇 Public records like bankruptcies, tax liens, and civil judgments can destroy your credit for years — even after they’ve been resolved. But here’s what most credit repair services don’t teach you: These records are often unverifiable under FCRA and can be challenged just like collections or charge-offs. Let’s break down how to challenge and remove each type of public record 👇 💣 1. Bankruptcy (Chapter 7 or 13) 📉 Credit Impact: - Stays on your report 7–10 years - Shows in all 3 bureaus - Red flag to lenders ✅ Challenge Strategy: - LexisNexis and PACER are the sources — bureaus don’t go to court - Dispute with LexisNexis first, then the bureaus - Use Method of Verification letters:“Who verified this with the court? Please provide name and contact of person who confirmed this with the clerk.” 💡 Key Tip: Most court clerks will not verify anything — this opens the door for deletion. 🧾 2. Tax Liens (Federal or State) 📉 Credit Impact: - Most were removed from public reporting in 2017, but older reports may still show them - Can affect business and mortgage underwriting ✅ Challenge Strategy: - Request release/withdrawal from IRS (Form 12277) - File dispute citing incomplete or inaccurate info - Ask for verification source and legal authority to report ⚖️ 3. Civil Judgments 📉 Credit Impact: - From unpaid debts, lawsuits, or evictions - Shows as “Public Record” on credit reports ✅ Challenge Strategy: - Check for exact case #, court name, judgment amount - If ANYTHING is incorrect → dispute as incomplete or inaccurate - Bureaus often can’t verify directly with the court 🛠️ Tools to Use: - ❌ Method of Verification Letter - ❌ 609-Style Letter Requesting Source of Verification - ❌ CFPB Complaint if no response within 30 days - ❌ Freeze LexisNexis before challenging bankruptcy Below are your: - Bankruptcy Dispute Letter - Tax Lien Dispute Letter - Civil Judgment Dispute Letter

Wishing everyone a very Blessed, Happy, and Merry Christ’s Bornday!!! 🎁🎄 ✝️⛪️ May your day be filled with joy, laughter and happiness!

Let’s get into the real sauce of credit repair: DISPUTES. 💥 A properly written dispute can remove: - Collections - Late payments - Charge-offs - Duplicate accounts - Inaccurate personal info...and more 👀 But you have to do it right. 🪜 STEP-BY-STEP: How to File a Credit Dispute 🔹 Step 1: Pull Your ReportsGet your free reports weekly at:👉 AnnualCreditReport.com Look for: - Late payments you didn’t make - Accounts you didn’t open - Incorrect balances, dates, or statuses - Duplicates or outdated items 🔹 Step 2: Decide How to DisputeYou can dispute in 3 ways: 1. Online (faster but less effective long-term) 2. By mail (the preferred method for results) 3. By phone (not recommended — no paper trail) 📌 Pro Tip: Certified Mail with return receipt is KEY when mailing disputes. 🔹 Step 3: Write a Simple, Direct Dispute LetterKeep it short and factual. Example: “I noticed an error on my credit report. The [account name] is not mine / contains inaccurate info. Please investigate and correct or remove it under the FCRA.” ✅ Include: - Your name + address - The account name + number - Clear explanation - Copy of your ID + utility bill (to verify identity) 🔹 Step 4: Send to Each BureauAddresses for all 3 bureaus: - ExperianP.O. Box 4500Allen, TX 75013 - EquifaxP.O. Box 740256Atlanta, GA 30374 - TransUnionP.O. Box 2000Chester, PA 19016 🔹 Step 5: Wait 30–45 DaysThey must investigate and respond within 30 days.📩 You’ll get results in the mail or online. If they verify without proof, that’s when we escalate 💼 (more on that in a future post). 💬 COMMENT BELOW:Have you ever filed a dispute before? What happened? Let’s talk results + next moves 👇