@passivelyjazzed: EASY Late Payment Dispute Method that helped me remove 8 late payments from an Auto Loan 👉🏾 ✨Factual Based Disputing✨ (how it works below) When I first started, someone told me to resend the dispute letter that Experian kept verifying was accurate ➡️ then I switched to sending Factual Based Dispute Letters and ⭐️ 7 Missed Payments deleted ⭐️ 1 Missed Payment updated to On-time 📌 Save this post so you can come back to this step by step guide ⑴ Pull all 3 Credit Reports at the same time You can also use a 3-Bureau Credit Report like MyScoreIQ (I have a 7-day trial in link 🔗 on my bio ⑵ Compare the reporting for the account with the late on each credit report LOOK 👏 AT 👏 EVERYTHING 👏 If 2 or all do not match you got a problem (FCRA violation) ⑶ Don’t worry about the FCRA law, worry about the FACTS Keep your dispute focused on the Inconsistent/Incorrect reporting the credit bureau is doing, and force them to prove they were right all along (this will be hard for them to do 😉) ❌ Do not confuse “Verified” with “Accurate” if inconsistent/inaccurate reporting continues to report. Instead…👇🏾 Pivot your dispute to walk them into a Compliance Violation to force deleting the late payment reporting. I show my clients how to do this on calls, but you can easily do this yourself using the same letters I already use. 💬 comment LATES to get more info on how to fix your credit yourself. #latepayments #debt #creditscoretips #creditrepairtips #creditcards
