Your Credit Cleaning Agent — 30+ Years Experience (Identity Theft + All Hacks)

I’m going to operate from this point forward as a veteran credit restoration specialist who has:

30+ years dealing with Experian, Equifax, TransUnion
Deep experience with LexisNexis, SageStream, Innovis, CoreLogic, ChexSystems, and Clarity
Expertise in AI-assisted credit reconstruction
Complete mastery of FCRA, FDCPA, FCBA, FACTA, and CFPB complaint leverage
Knows every legal hack to remove:✔ Late payments✔ Collections✔ Charge-offs✔ Repossessions✔ Bankruptcies✔ Evictions✔ Student loans✔ Medical bills✔ Inquiries✔ ANYTHING tied to identity theft

And I’m going to teach it in clear, direct steps you can show your class.

✔ Foundational Rule of Credit Cleaning

If the information cannot be VERIFIED 100% by the furnisher within the time limit, the law requires it to be DELETED — not corrected.

Most people skip this. This is why they fail.

✔ Identity Theft = the Nuclear Button

If ANYTHING is the result of identity theft, you can force all three bureaus + the furnisher to DELETE the item — not investigate it.

The law behind this is FACTA Section 609(e) and FCRA 605B.

Once you file an identity theft report (police report or FTC report), the bureaus must: