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: - Block the item within 4 business days - Notify the furnisher - Remove the account, balance, history, and inquiries tied to it - Prevent it from reappearing This is why identity theft is the strongest route.