Law: FCRA 15 U.S.C. § 1681i (Procedure in case of disputed accuracy) The Lesson: When you dispute an item on your credit report, the bureaus are legally required to conduct a "reasonable reinvestigation" free of charge. Here is the kicker: They must complete this within 30 days of receiving your dispute. If they cannot verify the information within that window, or if the furnisher doesn't respond, the law says the item must be deleted. Your Move: 1. Send your dispute via Certified Mail. 2. Track the delivery date. 3. Count 30 days + 5 days for mailing. 4. If they don't respond or verify? Demand deletion under Section 1681i. Learn the credit game free 👇🏽💳 https://www.skool.com/credit-fintech-playbook-2832/about?ref=adc84e502dfa499c91b8048348873864

Hello, my name is [Full Name], and I’m calling regarding my consumer file. I have reason to believe that my personal information was compromised due to the recent TransUnion data breach. I am requesting the immediate deletion of any accounts that cannot be fully verified. Failure to comply will result in formal complaints being filed with the Consumer Finance Protection Bureau (CFBB), Federal Trade Commission (FTC), and the Office of the Attorney General. Can you confirm that you will initiate an investigation and promptly remove all unverifiable items from my report?

Here is how the 850 Credit Score is Calculated 👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾 Everyone Starts at 300 + 😐 There are 5 factors that make up your credit score... 1. Payment History= 192.5 points (35%) New Score 😀 492.5 2. Utilization -165 points = (30%) New Score 😀😃657.50 3. Age of Credit-82.5 points (10-12 years =15% ) New Score 😀😃😄 = 740 4. Mixture - 55 points (Revolving, Auto Installment, Personal Installment, Mortgage=10% = New Score 😀😃😄😆795 5. Inquires -55 points (3-5 max = 10% = New Score 😀😃🤑😄😁🤑😆😀🤑= 850 Notice that 65% of your score is payment history and utilization. Pay your bills on time and keeping credit cards utilization under 30% is good, but in between 2-10% is excellent. If you have derogatory items such as late payments, repossessions, evictions, medical bills ect. Those can be legally removed from leveraging the Fair Credit Reporting Act, even if you owe the debt. 💯🎯