Bro you have the best KZitem channel bar none..thank you
@Successwithstephensmith
5 ай бұрын
You’re welcome!!!
@lisaconyers4666
4 ай бұрын
Young man! Your videos are long and potent! You have a really helped out this single mom.. I am going to follow your videos, buy your guide and do everything verbatim! Just a BEAUTIFUL job and thank you so much for helping all of us!!!!
@Successwithstephensmith
4 ай бұрын
You’re welcome appreciate that 🥹
@Michaelburtonspeaks
5 ай бұрын
I’ve been watching others all month. Found your videos today. I identify with your methods. I’ll be signing up for your program.
@Successwithstephensmith
5 ай бұрын
Great! Keep me updated with your progress
@TechnicianEJ
3 ай бұрын
Good evening, Mr. Smith … I thank you for being thorough and transparent, much as myself. Matt. 7:16
@scooter3973
2 ай бұрын
I just started round one. I will report back as updates come in. Thanks, Stephen!
@Successwithstephensmith
2 ай бұрын
You’re welcome! Keep me posted
@scooter3973
2 ай бұрын
@@Successwithstephensmith Will do! Your videos have been a phenomenal!
@scooter3973
2 ай бұрын
Also to update I sent CFPB complaints to Innovis and LexisNexis incase Experian or TransUnion try to verify the accounts with them.
@SlimeFive
21 сағат бұрын
Update?
@ChristopherBentley-gs7tu
4 ай бұрын
Best VIDEO on charge off. I have watched a lot of them this is by far the best information and video on charge off on KZitem
@Successwithstephensmith
4 ай бұрын
Thank you!!
@alejandroordaz8689
3 ай бұрын
Followed these very helpful steps as explained. Unfortunately for me these companies keep claiming everything reported is actually accurate which is not and i sent them proof yet they still claim they are accurate. Not sure what else to do. But thank you for this information. Im sure my case isnt the same as everyone else.
@slimshady6674
Ай бұрын
same here these companies and credit bureaus are a joke and crooked
@user-oc4je1vl1j
5 ай бұрын
I used your method but I put alittle bit of a spin on it and got a charge off deleted in honestly 4days.... I also did one account with the late payment method I'm waiting to see the results from that...thank you for the step by step process
@Successwithstephensmith
5 ай бұрын
You’re welcome!!
@Topstreamplugs
5 ай бұрын
How you got it off in 4 days?
@BeeUluwehi
23 күн бұрын
Hello did you use this method for your charge off?
@anthonycrawford6791
Ай бұрын
Amazing video's and information. Please note they are credit reporting agencies and the only Bureau is the CFBP...... Your content is really informative I really appreciate you. Bless.....
@Successwithstephensmith
Ай бұрын
Thank you!!! 🙏🏾
@Beautiful40272
5 ай бұрын
I’ll take a longer video that helps than a short one that frustrates me and loses me 💜 you got me sitting in diligence twice! 🙌🏾💜
@Successwithstephensmith
5 ай бұрын
👏🏾
@dianams851
5 ай бұрын
I loved this video,thank you so much for sharing this information. It was so full of important information and you explain so well. I don’t think it’s that long because the way you explain it is great. 👍🏼
@Successwithstephensmith
5 ай бұрын
Thank you!!!
@latoyajohnson8954
Ай бұрын
Appreciate everything you are doing. I got one auto charge off deleted and working on another one. Both wrecked vehicles gap did pay small amounts. nothing large but they were both hurting me. Working on removing Santander.
@Successwithstephensmith
Ай бұрын
Congrats on your removal! Keep it up 🎉
@latoyajohnson8954
21 күн бұрын
They removed it and added it back within a day. Any tips?
@kendrickvaughan3965
22 күн бұрын
Can you send me the link with the round 1 charge off removal? Trying to make sure I put everything in correctly for round 1.
@Successwithstephensmith
22 күн бұрын
Round 1 Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It’s my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate: account name: account number Round 2 I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score (account name, account number) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Round 3 This account was charged off on the following date: Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account: Accounts Name: Account Number:
@mrsfrazier4268
11 күн бұрын
Round four? I usually stop at round 1 since I get stuck...😮 I really appreciate the thoroughness. I'm truly so grateful 🙏🏾
@kendrickvaughan3965
6 күн бұрын
@@Successwithstephensmith thanks for that. Do I add a picture of whatever problem I found on my credit report to try and get the charge off removed or do I wait for round 2 to add the picture?
@lakameralwads2678
Ай бұрын
This was indeed some useful information. I am actually going to try this method. Thank you Steph!
@Successwithstephensmith
Ай бұрын
Thanks for watching!! 🙏🏾
@mvg4wrd
5 ай бұрын
Thank you very much for your helpful response. I’m glad you are here. Enjoy your day!
@Successwithstephensmith
5 ай бұрын
Thank you!
@sandeepborge8679
2 ай бұрын
Stay Blessed!!!!
@Successwithstephensmith
2 ай бұрын
Thank you!!!
@JamalWadeLive
5 ай бұрын
So humble
@Successwithstephensmith
5 ай бұрын
🙏🏾
@Frizzo69
3 ай бұрын
I just have a question in regards to using your process. Do you have to clear up the personal info first or can I implement your process without doing that first?
@Successwithstephensmith
3 ай бұрын
If you have any old personal information to remove I do suggest doing that first, (it usually updates in 24 hours) you can still start most disputes at the same time since it updates so quickly
@Frizzo69
3 ай бұрын
@@Successwithstephensmith ok. Thank you very much for that information. I'm about to start trying to fix me and my wife's credit and your videos seem so legit and informative. I appreciate what you are doing for everyone and doing them step by step. 🙏
@islandlandscaping8172
4 күн бұрын
💥Thank you
@Successwithstephensmith
4 күн бұрын
Thanks for watching! 🙏🏾
@Nyufly
Ай бұрын
Hey Stephen. It looks like a few of the accounts I disputed have updated information on my report. It's kind of a good thing because they weren't reporting any new updates so now they are showing the CO in the payments section and listed as charged off.
@Successwithstephensmith
Ай бұрын
Great! You can submit a factual dispute now to get the account deleted
@victorianeal9369
5 ай бұрын
God bless you for this! Thank you!
@Successwithstephensmith
5 ай бұрын
You’re welcome!!
@mvg4wrd
5 ай бұрын
This doesn’t seem long considering the content. Thank you 🙏🏽
@Successwithstephensmith
5 ай бұрын
You’re welcome 🙏🏾
@Loprosquay
5 ай бұрын
Thanks for sharing, great info. Prior to starting a dispute, do you recommend updating your personal profile 1st, then blocking third parties like lexus nexus etc.
@Successwithstephensmith
5 ай бұрын
Yes I highly recommend updating all the personal information first before starting a dispute. You can also freeze your Lexis Nexis report.
@JamalWadeLive
5 ай бұрын
Thanks for making this video 🙌🏾🙌🏾
@Successwithstephensmith
5 ай бұрын
You’re welcome!!!
@user-bq3hy6zr2q
5 ай бұрын
QQ, for Rd 2, what words to use for “What would be a fair resolution to this issue?”
@Successwithstephensmith
5 ай бұрын
Please re-investigate this account
@creativecow329
5 ай бұрын
Thanks brother, I’ll be buying your guide homie 💪🏽
@Successwithstephensmith
5 ай бұрын
Thank you!!!
@lookinthelifeofsaprina8573
Ай бұрын
This was so useful, thank you
@Successwithstephensmith
Ай бұрын
Thank you for watching! 🙏🏾
@tyroneglass
5 ай бұрын
Stephen, thanks for sharing these golden nuggets. Perhaps u mentioned in several videos and I overlooked it, but suppose for charge offs and inquiries they are only hitting on certain bureaus? Do I just group the bureaus that are reporting when I do the Identity Theft Report and the CFPB? Or should I complete One Identify Theft Report for each bureau, and one CFPB report per bureau? I hope this makes sense? I am noticing for inquiries, it varies across bureaus...
@Successwithstephensmith
5 ай бұрын
You should only send the complaints to the bureaus that are reporting the negative information at the end of the CFPB report you can pick and choose which ones you want to send it to
@aroundthewaygarden1132
5 ай бұрын
Love your content. What if the cra's ignore your 2nd round and the 30 day complaint is coming to an end?
@Successwithstephensmith
5 ай бұрын
You’ll still want to wait on a response, technically they have 60 days to respond since COVID but usually it’s fairly quick. Create a free account with Experian, Equifax and transunion. You’ll get real time updates on each dispute. Sometimes people miss the updates.
@Devon407
5 ай бұрын
You The Goat.. Need You To Help Us With Student Loans‼️
@Successwithstephensmith
5 ай бұрын
Thank you!! I’m working on it
@gloverkevin93
5 ай бұрын
I need this video! 🎉
@Successwithstephensmith
5 ай бұрын
I have a follow up after this that will be really good 😊
@user-bq3hy6zr2q
5 ай бұрын
Thank you sir!
@daleh6014
2 ай бұрын
how about E-oscar? how about hand writing letters so they can't be scanned and taking longer to investigate which is to your advantage? typed letter are scanned coded and automatically 'investigated' which is not accurate
@Successwithstephensmith
2 ай бұрын
You can try that method too
@iamaliyahfeliz
5 ай бұрын
Hi, I love your channel and newly subscribed. I can't wait to try your methods. Not to spread any limited beliefs, but I am just a strategical planner. Is typically normal for a consumer to come across a common inaccuracy? What happens if you find no factual inaccuracies to prove on an unvalidated charge-off? Or perhaps, when you go through all the rounds and they find no issues or just update instead of delete? I know there can be benefits to certain updates, but what if the possible updates still have a negative effect on your report? If you can manage, would you just decide to pay the charge off to request to delete? Or if within reason, would you wait out the statue of limitation?
@Successwithstephensmith
5 ай бұрын
It’s usually hard not to find one inaccuracy but if all else failed I’ll ask for validation ultimately the moment you stop trying is when it has to stay. I would never pay because all that would do is update the statute of limitations and extent the damage for 7 years it’s doesn’t makes sense you’d be better off just leaving it alone.
@iamaliyahfeliz
5 ай бұрын
@@Successwithstephensmith thank you for your help and impact Stephen.
@Johnsmith-mj3my
5 ай бұрын
yes. it was very helpful. I have three charge-off, do I do them all or one by one
@Successwithstephensmith
5 ай бұрын
You can dispute them all at the same time, but you’ll want to submit a separate dispute for each account.
@nathanielburch4573
3 ай бұрын
Keep pushing bruh
@Successwithstephensmith
3 ай бұрын
🙌🏾
@loveismyreligion9393
5 ай бұрын
Thank you for your help!
@Successwithstephensmith
5 ай бұрын
You're welcome!
@sinabunnn
5 ай бұрын
Great information!
@Successwithstephensmith
5 ай бұрын
Thank you!
@remo9310
5 ай бұрын
bro I've been emailing you so you can use my repo's as an example. I've been trying to remove them for years.
@Successwithstephensmith
5 ай бұрын
Thank you, I only use the examples to demonstrate what you should do for the dispute process. If you want to dispute your repo you can follow the steps outlined in this video
@remo9310
5 ай бұрын
@@Successwithstephensmith sorry bro I meant I volunteer my credit because you said anyone that doesnt mind you showing their credit while your fixing it send you a email.
@user-wq8nn7fb8z
4 ай бұрын
I have 3 accounts I have been trying to get rid of for like a year now. A paid charge off for auto loan. It was paid after charge off. A charged off loan $3k. And credit card $700. Can you help? You can use me as examples for your videos.
@Successwithstephensmith
4 ай бұрын
@@user-wq8nn7fb8z I have various charge off videos that should help with each situation, check out my credit repair playlist
@LHazely
5 ай бұрын
You can use mine I only have 1 item to delete ! Also update inquiry was deleted !
@Successwithstephensmith
5 ай бұрын
Awesome!!! Thank you so much
@LHazely
5 ай бұрын
@@Successwithstephensmith I paid for 1 on 1 at 1:pm today could you plz make sure it went threw
@Successwithstephensmith
5 ай бұрын
@@LHazely Yes I sent an appointment confirmation with your zoom link. Talk to you soon!
@LHazely
5 ай бұрын
@@Successwithstephensmith tysm
@bigrocko2731
3 ай бұрын
Great Video!!!!! 💪🏾
@Successwithstephensmith
3 ай бұрын
Thank you!
@bijanmachen
Ай бұрын
Great Video!!
@Successwithstephensmith
Ай бұрын
Thank you!!
@kedricgreen9941
5 ай бұрын
If I have 2 charge offs do I submit 2 complaints or put both in the same complaint?
@Successwithstephensmith
5 ай бұрын
Two separate complaints
@spacedogsbackyardastronomy8274
2 ай бұрын
Hey Stephen, I have a different address for where I live. I bought a house is Mississippi but I have Tenn license with the address of a home in Memphis that I have ownership in. So when I send them my ID do I send my address and utility bill for my home in Mississippi?
@Successwithstephensmith
2 ай бұрын
If both addresses are on your credit report you can send them your utility bill
@obliviondynasty
5 ай бұрын
Can you do a video on your thoughts on purchasing AU trade lines and if they work as advertised.
@Successwithstephensmith
5 ай бұрын
Yes I do have a video where I talk about trade line supply co but I am thinking about making another in more detail
@obliviondynasty
5 ай бұрын
@@Successwithstephensmith Could you share the link to that video please?
@Successwithstephensmith
5 ай бұрын
@@obliviondynasty How To Improve Credit Score In 30 Days kzitem.info/news/bejne/k5152JiNqHSmnm0
@valerieaustin1453
5 ай бұрын
Hey Stephen. I love your content you are pretty straight forward. I have a question charge off collection statue of limitations in cali. How would you handle something of that nature. Also how about like a Home shopping fraudulent account called the company in 2018 now they sold it to a debt collector with no record of anything I never purchased anything. Thanks in advance for your assistance.
@Successwithstephensmith
5 ай бұрын
Hello, this is a collection account not a charge off correct? If it’s a fraudulent collection account I’ll send you a link with step by step instructions to get it removed.
@Successwithstephensmith
5 ай бұрын
How To Remove Collections From Credit Report FAST!! 2024 kzitem.info/news/bejne/1m6DnZqFiXOAoKQ
@valerieaustin1453
5 ай бұрын
@Successwithstephensmith yes it is thank you so much.
@Successwithstephensmith
5 ай бұрын
@@valerieaustin1453 you’re welcome
@themastertrader01
Ай бұрын
auto loan dontou can delete
@Tj-kg8te
5 ай бұрын
Hi, Thank you for the great info. If you don't have a utility bill, what other documents can you use to verify your address when filing a complaint with the cfpb?
@Successwithstephensmith
5 ай бұрын
Phone bill, internet bill, car registration, voter registration, bank statements, car insurance etc any of those will work as proof of address
@Tj-kg8te
5 ай бұрын
Thank you so much!
@Successwithstephensmith
5 ай бұрын
@@Tj-kg8te you’re welcome!
@iamaliyahfeliz
5 ай бұрын
I have heard fixing your credit report, doesn’t eliminate the debt that you actually owe. So if you're just fixed up your report instead of paying off the debt, will you only gain a good report/history to show to other creditors? I am sure not eliminating your debt with a creditor will just affect your chances of doing business with them again if you wanted to (depending on their policies)?
@Successwithstephensmith
5 ай бұрын
Removing the account doesn’t absolve you of the debt, you’ll be able to get lending with new lenders and if you want resolve any old balances you can contact the original creditor and resolve it with them, and you’ll have a good report.
@iamaliyahfeliz
5 ай бұрын
@@Successwithstephensmith you deserve it all, thanks again. look forward to being apart of your community.
@Successwithstephensmith
5 ай бұрын
@@iamaliyahfeliz thank you!! 🙏🏾
@victorianeal9369
5 ай бұрын
Do you need to report to the three bureaus first before reporting to the CFPB? I’m only asking because I definitely don’t want to get flagged for fraud or anything like that 😅
@Successwithstephensmith
5 ай бұрын
You can report to the CFPB first, keep in mind the CFPB is the only government credit bureau. The other 3 are just data furnishing companies. you will not get reported for fraud under any circumstance unless someone truly stole your identity and claims you stole it or your report it yourself.
@simplymorgans
5 ай бұрын
Unfortunately, the collection method you provided, did not work and the date was updated.
@Successwithstephensmith
5 ай бұрын
Sorry to hear that, if it work make sure all your personal information is up to date (all old information deleted) you can ask for the method of validation and dispute the account again if you’re referring to collections
@FF-uk8ed
4 ай бұрын
@@Successwithstephensmith I would like to know if the validation method is with the creditor or with the bureau? Tk
@Successwithstephensmith
4 ай бұрын
@@FF-uk8ed the credit bureaus
@boobiegame1095
5 ай бұрын
Your collection video worked so well for me everything was taken off. Do you think it’s possible you can make one about child support miss payments if I’m making current payments
@Successwithstephensmith
5 ай бұрын
I can definitely try, the only issue I have is that I make videos about things I’ve done for myself and I’ve personally never gotten child support payments removed. If I come across someone I know and I get it removed I’ll make a video about it as soon as possible 🙏🏾
@breonjones3348
5 ай бұрын
2 Quick questions! I have 3 chargeoffs that i paid in full. Is it still possible to get them removed? And do i dispute with the CFPB instead of the big 3 directly? Great content btw!
@Successwithstephensmith
5 ай бұрын
Yes you can get them removed and when you dispute through the cfpb it goes directly to the 3 credit bureaus
@nativeblunt489
2 ай бұрын
thank you!!!
@Successwithstephensmith
2 ай бұрын
You’re welcome! Thanks for watching 🙏🏾
@ecclesia555
5 ай бұрын
Thanks!
@Successwithstephensmith
5 ай бұрын
Thank you!!!! 🙏🏾
@Nyufly
Ай бұрын
Should I wait until CFPB closes the first round before starting the second round or should I start the second round when the agencies have closed the disputes?
@Successwithstephensmith
Ай бұрын
Wait until you receive a response from the credit bureaus. Keep in mind the CFPB will always close out all disputes in 60 days, you will not look to them for updates on your dispute, instead create a free account with Experian, Equifax and Transunion. You'll get real time updates on each dispute and you can respond with another CFPB complaint whenever the credit bureaus respond. If the account gets verified or updated then you proceed to the next round of dispute.
@Nyufly
Ай бұрын
@@Successwithstephensmith ok got it thank you. I didn't do everything in my report on round one just 3 major things. Wanted to see what happens so now I'll do round two on those and round one for all the rest. I did get approved for a $300 quicksilver card which was a surprise so that will help. Thanks for your help bro.
@Nyufly
Ай бұрын
@@Successwithstephensmith oh and I have 3 of the 6 trade lines from your Sam's club video that have reported.
@TheQuantumX2
5 ай бұрын
will fico work as monitoring for changes from the cfpb? if not what do you recommend? I am having trouble getting notified if the the step 1 dispute has been answered.
@Successwithstephensmith
5 ай бұрын
I suggest creating an account with each of the credit bureaus (website or app) that way you can monitor all the disputes in real time. All the accounts are free and easy to make.
@reallykameron
Ай бұрын
so for round one, what if both equifax and experian don't show different dates ?
@Successwithstephensmith
Ай бұрын
Choose a different factual dispute, if you can’t find a specific attribute I have another video on payment history, one on double jeopardy, one on 1099-C’s etc there are multiple options to choose from
@Loprosquay
5 ай бұрын
Which credit reporting bureau do you recc getting report from for updating personal profile? I went to 3 diff sites and all my info is diff? Should i go directly to equifax,trans,experian? Thanks again
@Successwithstephensmith
5 ай бұрын
Yes I have a video of how to update personal information using each website
@wlam4321
3 ай бұрын
Ok so I followed your steps 👍🏽 but I signed up for an account with the identity theft website and now all I can do when I return to add the other bureaus is look at my first complaint that was completed. When I try to file another complaint the website just logs me in and takes me to my first completed complaint. How do I get back to the start a complaint page for the other two bureaus if the website keeps logging me in and taking me back to my first complaint. ?
@Successwithstephensmith
3 ай бұрын
You don’t create an account, if you’re currently signed in sign out you may also have to use a different email address since an account was created.
@wlam4321
3 ай бұрын
@@Successwithstephensmith That worked thank you 👍🏽
@ericsalcido6096
5 ай бұрын
What is the best way to prove that something was deleted from one reporting agency but still reporting on another I did not receive information about the correction
@Successwithstephensmith
5 ай бұрын
If you’re trying to show one credit bureau that an account was deleted from another bureau that most likely won’t get you another deletion, I’ve tried that multiple times and it was never effective. You can get a copy of your credit report from annualcreditreport.com it’s free and generates once a week if you want to see the results of that deletion but again one credit bureau deleting an account won’t dictate another bureau doing the same from my experience.
@BrayanGarcia-hq6hc
4 ай бұрын
when a company says that they are still working on the issue is that consider has them responding? Or is a company interim response ? If so can I then start the other step?
@Successwithstephensmith
4 ай бұрын
No that’s no a response that’s a CFPB auto response, create a free account with Experian, Equifax and transunion. You’ll get real time updates on each dispute.
@WisdomGrowthProsperity
3 ай бұрын
Thank you for the content, I have a question for you, I started disputing last night, I received an update from CFPB stating I should receive a final response within 60 days from the date, can you explain this part to me?
@Successwithstephensmith
3 ай бұрын
The CFPB will always close out all disputes in 60 days, you will not look to them for updates on your dispute, instead create a free account with Experian, Equifax and Transunion. You’ll get real time updates on each dispute and you can respond with another CFPB complaint whenever the credit bureaus respond. If the account gets verified or updated then you proceed to the next round of dispute.
@WisdomGrowthProsperity
3 ай бұрын
@@Successwithstephensmith thanks for the clarification, is there any limit on how many complaints you can submit at one time?
@User_smd112
5 ай бұрын
So I’m on round 2 waiting on they response so basically round 3 and 4 is the same
@Successwithstephensmith
5 ай бұрын
Correct. Round 3 and beyond will be factual disputes
@miajudkins7658
5 ай бұрын
When putting your name on the cfpb complaint , should you put your name as it is on the credit report … even if it’s spelled wrong ? Some reports show with my middle name and some do not?
@Successwithstephensmith
5 ай бұрын
I would add your the name the way it’s stated on the report or you can update the name so it’s correct before you submit the complaint.
@donnieg4804
5 ай бұрын
What if you are disputing multiple accounts, should you dispute them separately or combined them all when using the cfpb for each round of disputes?
@Successwithstephensmith
5 ай бұрын
You should dispute them separately it’s more effective
@donnieg4804
5 ай бұрын
Ok thanks I appreciate it
@josephziko-on8wp
Ай бұрын
What if the chargeoffs are accurate and have all the same information on all three credit reports
@Successwithstephensmith
Ай бұрын
I have a video on that it’s not a step by step it’s just some information that you maybe able to use kzitem.info/news/bejne/yZCHnK6JfWKXlG0si=tiUVI3ZkvEV17saX
@nicolejones287
3 ай бұрын
I disputed charge off woth CFPB as double jeopardy because it was showing up as sold by original creditor. The original creditor responded back with they are going to purchase back the account, what you suggest now?
@Successwithstephensmith
3 ай бұрын
Dispute the account the exact same way but send it to all 3 credit bureaus
@nicolejones287
3 ай бұрын
Ok
@jaciawhitfield4879
4 ай бұрын
What can i say for a round 3 dispute on a charge off that’s being reported every month from all 3 bureaus
@Successwithstephensmith
4 ай бұрын
Use the repeated charge off verbiage, it’s in my first charge off video kzitem.info/news/bejne/xIWQl2R7bH56aIYsi=EdWlbHcJzo1PpgKd
@ayyooojett2353
3 ай бұрын
W vid sheeshh
@Successwithstephensmith
3 ай бұрын
Thank you!
@James1.22
3 ай бұрын
Do you believe disputing 6 “charge offs” at once is excessive?
@Successwithstephensmith
3 ай бұрын
No you can dispute as many as you wish
@James1.22
3 ай бұрын
@@Successwithstephensmith thank you
@Successwithstephensmith
3 ай бұрын
@@James1.22 you’re welcome!
@kmhv80
5 ай бұрын
Is there other way to verify if the creditor report to the IRS so I can get the 1099… I have a charge off on my credit after 7 years not knowing nothing from that account and I have being living out of my country so the creditor don’t have my actual address. How is it possible after so many years ? Thank you !!!
@Successwithstephensmith
5 ай бұрын
That’s a good question, the only way I know is to contact the original creditor and ask if they sent one to you. If it’s been 7 year since the account was charged off it should past the statute of limitations and you can get it removed that way.
@ChristianOsberry
Ай бұрын
How long should I wait before moving to the next round
@Successwithstephensmith
Ай бұрын
Wait until you get a response from the corresponding credit bureau then move to the next round
@YbTuck
23 күн бұрын
Hey bro the company updated my report after the first round complaint do I send the second round even though it say it’s still waiting on company to respond
@Successwithstephensmith
23 күн бұрын
Yes you can proceed to the second round now
@TheLaydib21
5 ай бұрын
Which package should I buy the 10$ or the basic one????
@Successwithstephensmith
5 ай бұрын
$9.99 gives you all 3 reports once per year, if you only need it one time that’s the most cost effective way
@TheLaydib21
5 ай бұрын
@@Successwithstephensmith thanks!
@Successwithstephensmith
5 ай бұрын
@@TheLaydib21 you’re welcome
@chancesinatra
4 ай бұрын
i just looked at my report and noticed the date opened is different on experian & equifax can i use that to get the charge off removed immediatley? and if so how should i word it? again thanks for all your help
@Successwithstephensmith
4 ай бұрын
Yes you can use this as a factual dispute, that doesn’t mean it will get removed immediately open date is something that can be updated easily you should screenshot all three and just say the account is inaccurate because it’s reporting 3 different dates than just mentioning the open date itself
@biancasalas5959
5 ай бұрын
So my dispute came back and all they did was update the date of the account balance .what do I do this time ?
@Successwithstephensmith
5 ай бұрын
Look at the common inaccuracies list and find the the next thing to dispute start round 4
@user-oc4je1vl1j
5 ай бұрын
The account with the xxxxx makes that account inaccurate as well
@Successwithstephensmith
5 ай бұрын
The series of “x”’s is normal that’s not an inaccuracy that you can dispute. Unless the account number is different across bureaus
@user-oc4je1vl1j
5 ай бұрын
@@Successwithstephensmith Question? Can you call Capital One and give them that account number with the xxxx 's ? That would be considered an incorrect account number correct?
@Successwithstephensmith
5 ай бұрын
@@user-oc4je1vl1j that would be the correct account number
@user-oc4je1vl1j
5 ай бұрын
@@Successwithstephensmith Ok
@3261mamos
4 ай бұрын
How can I get your one on one coaching? I am also willing to allow you to use mines as an example.
@Successwithstephensmith
4 ай бұрын
On www.successwithstephensmith.com
@mvg4wrd
5 ай бұрын
Can I skip 2 and just go to the CD__ with my discrepancies?
@Successwithstephensmith
5 ай бұрын
You should do all 3 round FCRA says after any reinvestigation the credit bureaus will update or delete an account so it’s important not to skip steps in the process unless the account is paid then you can jump to round 3
@290shawty
2 ай бұрын
How to delete a paid off charge off that shows I have 1 30 day late and 1 60 day late payment. It show I have a 93 percent payment history. I paid the balance in full 3 years ago after academy sold the debt to midland collection agency
@Successwithstephensmith
2 ай бұрын
You delete the account by disputing inaccurate information
@290shawty
2 ай бұрын
@@Successwithstephensmith I already paid it through the collection agency.
@Jason-iq5ys
5 ай бұрын
I have 2 charge offs that I’m considering paying because I can’t get them deleted. I have identity IQ should I setup a consultation with you?
@Successwithstephensmith
5 ай бұрын
Send me an email, if it’s a quick question I can answer you now info@successwithstephensmith.com
@W.Trendy
5 ай бұрын
Hey, could I skip to Round 3 if I already got the responses from the credit bureaus from Round 1 and 2 (verifying the account is accurate) from letters I previously sent in the middle of last month? Or would I have to start round 1-4 on CFPB?
@Successwithstephensmith
5 ай бұрын
I would start from the beginning just to be sure
@freeband6476
4 ай бұрын
do i make a identity theft report for round 2 and for round 3 an 4 with my factual disputes as well. or only make a identity theft report for round 1 to get it started. and do i make three seperate cfpb disputes if have 3 charge offs on experian or do i include them all on the same report dispute
@michael-gi4ts
3 ай бұрын
So what about a PAID CHARGE can I still apply this same method
@Successwithstephensmith
3 ай бұрын
Yes same method can be applied d
@chancesinatra
4 ай бұрын
Question so I did round 2 with transunion and they verified and updated my charge off account . For round 3 I was gonna use the repeated CO’s as a factual dispute but I realized they updated that to unknown after my round 2 investigation so my question is what should I use as a factual dispute for round 3 since they already beat me to the repeated CO’s in round 2 ?
@chancesinatra
4 ай бұрын
I’m noticing they’re starting to update things before I even get to round 3 to let them know exactly what I’m disputing it’s like they’re finding ways to prevent us from having proof for them to eventually get it deleted 😔 but I’m not gon give up
@Successwithstephensmith
4 ай бұрын
Make sure you’re looking at your report from annualcreditreport.com, you’ll have to look at the account and find the next common inaccuracies, you can also compare all 3 bureaus and find inconsistencies, you can look for 1099-C’s (if applicable) double jeopardy, recent status updates or if all else fails I have a video where I talk about creating inaccuracies from an account that’s correct. If you keep making attempts something will give like you said keep going I know I had well over 14 rounds with some these when I was just trying to figure it all out your persistence really will determine your results like you said keep going 🙌🏾
@chancesinatra
4 ай бұрын
@@Successwithstephensmith thanks for the motivation man 🙏🏾
@reallykameron
Ай бұрын
does this work for example, a charged off bank account. and all of them say the same thing on all burueas, how do i go ab it ???
@Successwithstephensmith
Ай бұрын
For a charge off bank account you want to look at my chexsystems and Early warnings removal videos
@reallykameron
Ай бұрын
@@Successwithstephensmith will do, do u have experience with that & can make a vid about it?
@reallykameron
Ай бұрын
@@Successwithstephensmith what is early warning ?
@angelcabrera9326
3 ай бұрын
Is this the same process for a settled charge off??
@Successwithstephensmith
3 ай бұрын
Yes, same process
@janelledickerson1740
5 ай бұрын
Can I use this method if my charge-offs are within the last 30 days?
@Successwithstephensmith
5 ай бұрын
Yes you can, but the newer the charge off the more likely it is to have accurate information
@GeeW-tf6je
Ай бұрын
what if i paid the chargeoff
@Successwithstephensmith
Ай бұрын
You can still use this same method to remove the account
@christinaclemons6043
4 ай бұрын
Hey! So I have a question. So I have a charge off that says it closed 09/23 at 60 days late, but it continues to report 90/120/120 in October, November, then December. If it was closed in September should it still report those late payments in October and November? And is it accurate that the account was closed at 60 days?
@Successwithstephensmith
4 ай бұрын
From what you’re describing the account sounds like it has a lot of inaccuracies in the payment history you can use the CLS status and the activity after that as a factual dispute
@samuelthomas816
2 ай бұрын
What if the charge off is only showing on 1 report?
@Successwithstephensmith
2 ай бұрын
You can still dispute inaccurate information like the payment history for example
@kbjr9423
5 ай бұрын
So if I have a paid chargeoff I can go to straight to round 3
@Successwithstephensmith
5 ай бұрын
Yes
@boosgamingx1619
Ай бұрын
What do you do when I removed collections and then a couple months later they add the collection back and charge a lot more instead of 18k now it’s 30k lol
@Successwithstephensmith
Ай бұрын
That’s not the same account then, it may have been a new debt collector that purchased the account and it’s being reported again i suggest removing any personal information tied to that account so it can’t be added back on to your report in the future and then follow the same steps to remove it once again
@boosgamingx1619
Ай бұрын
Thank you sir !
@mrhrcollins
5 ай бұрын
Can’t you the round two copy for a collection complaint as well for something that was verified allegedly
@Successwithstephensmith
5 ай бұрын
Can you do a round 2 complaint for a charge off that was verified?
@mrhrcollins
5 ай бұрын
@@Successwithstephensmith I’m pretty much asking can’t you use this for a collection that was verified as well. The re-investigation language that you used in this video
@Successwithstephensmith
5 ай бұрын
@@mrhrcollins yes you can round 2 would work for a collection account
@menotyou8512
3 ай бұрын
Repeating C/O being reported every month seems not to work for removal. Any insight?
@Successwithstephensmith
3 ай бұрын
Unfortunately no, I’ve seen a lot of deletions come from it but it doesn’t always work. If that doesn’t work it’s okay you just move on to the next option, in this video I compare each account side by side and look for any inconsistent information have you tried this yet?
@menotyou8512
3 ай бұрын
@@Successwithstephensmith Yes, I just disputed inconsistent Open Date
@Successwithstephensmith
3 ай бұрын
@@menotyou8512 okay that’s good 👍🏾
@aaronmendioro6575
3 ай бұрын
Do you know how to remove bankcruptcy?
@Successwithstephensmith
3 ай бұрын
No I don’t have any information on bankruptcy removal maybe in the future
@bellesaav
5 ай бұрын
Could I still use this method with the cfpb if i already did my initial dispute directly with the credit bureau and they responded to my dispute as updated?
@Successwithstephensmith
5 ай бұрын
Yes you can, I would start from round 2
@bellesaav
5 ай бұрын
how do i contact you for one on one ?
@Successwithstephensmith
5 ай бұрын
@@bellesaav my website Successwithstephensmith.com
@NsXy
4 ай бұрын
If you've done a chapter 7 is it worth it to even do any of this?
@Successwithstephensmith
4 ай бұрын
Not if all the accounts are included in your bankruptcy
@NsXy
4 ай бұрын
@@Successwithstephensmith yeah they all were included. They all show 0 balance with status as “included in bankruptcy”. But wouldn’t getting the account deleted still help raise the credit score? I’m around 700, 650, and 650. About 8 months since discharge
@Memeituptv
5 ай бұрын
I have a question so I’m looking at charge off loan on my report and it’s reporting Conpany sold : velocity installments LLC but the account name is upstart network inc on experian but on Equifax it states that the debt was purchased by velocity installments but account name is still upstart but then TransUnion is not reporting a creditor at all. Can you explain this please 🙏🏾
@Successwithstephensmith
5 ай бұрын
Yes I literally just finished recording a video about this! I’ll probably release it soon that’s double jeopardy and you should be able to get the charge off deleted from your credit report
@Memeituptv
5 ай бұрын
@@Successwithstephensmith Thank you ! Now I know exactly what next step to take ! Letter 4 💪🏾
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