📢 REMINDER! (If you didn’t already know 😉)

When you're sending out those dispute letters to the credit bureaus, listen up... because this part right here is critical 🔍💥

➡️ If you're not clearly stating that you're disputing the completeness and accuracy—especially when it comes to your payment history—your dispute isn’t even acknowledged! Yes, you read that right. It's like it never happened. 😬

The credit world has changed, y’all. Just sending a 609 or 611 letter, or saying, “This ain’t mine” or “Please confirm this info”... yeah, that’s not gonna cut it anymore. ❌ The bureaus don’t consider that a valid dispute. You’ll either get a stall letter back, your letter will be flat-out rejected, or you’ll get that dreaded “verified” response with zero progress on your report. 😤

So here’s what you need to do:🖊️ Make sure your dispute says, “I am disputing the completeness and accuracy...” and if you're focusing on late payments or missed payments, finish it off with: “...of the payment history.” 🧠💡

You can use that same language for all types of accounts:

🔹Bankruptcies

🔹 Collections

🔹 Charge-offs

🔹 Any negative item that doesn’t look right

Even if the payment history isn’t the issue, still say you’re disputing the completeness and accuracy of the account—because that language is what counts. 🙌

💰You got this! 💯

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