Thank you so much, I purchased the credit bundle did first two steps remove old address/numbers, then disputed and other tips. Now 60days later credit up 130points 710 score. Feels great to have good credit again approved for my 50,000 business loan now!
@JazzyMac
2 жыл бұрын
HOLDDD UPPP!!! 💃🏾💃🏾💃🏾I gotta do my praise dance 🙌🏾💃🏾👏🏾👏🏾👏🏾 you did WHAT NOW??? 😁😆😩😩😩😩🙌🏾🙌🏾🙌🏾 SISSSS I’m so proud of you I had to get up and shout!!! 🥲 you literally don’t understand how this just gave me a boost of energy!! THIS IS SO AMAZING QUEEN!! 🤩🤩🤩 how does it feel?!!
@Polos2209
2 жыл бұрын
Dang!💯
@donn3166
2 жыл бұрын
How can u purchase
@jessicawalker5953
2 жыл бұрын
@@JazzyMac how do we purchase your templates and I'm proud of you for helping all of us to improving our credit!!!
@JazzyMac
2 жыл бұрын
@@jessicawalker5953 hey! The link is in the description box 🙂
@annmarsh9119
3 жыл бұрын
I've seen so many videos like this and you're the first person I would trust. You're the real deal and so genuine
@JazzyMac
3 жыл бұрын
OMG thank you so much, Ann! ❤️😘😘
@moniquecitydiggsyjjdydthxt9073
5 күн бұрын
Hey Jazz, i’m just now working on my credit and I stumbled across your videos and I have a question so I got a repossession and they sold it at a auction the amount that’s on my credit is different from the letter that they mailed me from selling it they deduct what they sold it for from with the original payment can I still dispute that or do I give them time to update it?
@JazzyMac
3 жыл бұрын
Learn how I removed Derogatory Collections & Charge Off’s from my credit report: kzitem.info/news/bejne/pZuJqGeJiXSpZqA
@Harleybostic
3 жыл бұрын
Can me and my wife be each other’s authorized users and Still benefit?
@JazzyMac
3 жыл бұрын
@@Harleybostic if one has excellent credit and excellent payment history, yes. But you need to confirm that with the credit card companies and via your credit report scores first.
@Harleybostic
3 жыл бұрын
@@JazzyMac mines would be better because we started working on mines first I’m at a 600 she needs the help the most
@JazzyMac
3 жыл бұрын
@@Harleybostic with a 600 credit score I wouldn’t recommend it at this point. The hard pull may lower your score even more. You could talk to your local bank about if it’s beneficial for her to get a secured credit card to rebuild credit.
@jessialexandria7465
3 жыл бұрын
@@JazzyMac no como
@pruitt83
2 жыл бұрын
Heyyy Beautiful - I purchased your template months ago but felled into depression and decided not to move forward working on my credit. But now I’m in a better space and have put in the work. I wrote out my letters and will be sending them off USPS Certified tomorrow morning 🙌🏾. I love you and all that you’re doing to help others.
@JazzyMac
2 жыл бұрын
Omg!! First off, I wanna commend you for straightening your crown 👑❤️❤️❤️ I’m so proud of your for getting back up. We all go thru depression and it’s so brave of you to address it 😘 let me know the outcome of your dispute letters!! Get signature confirmation! I’m here for any questions you have sis!
@pruitt83
2 жыл бұрын
@@JazzyMac UPDATE 🚨 Heyyy beautiful and thank you so much. So I received a letter from Equifax and they spelled my last wrong. What do I do next?
@pruitt83
2 жыл бұрын
Letter is stating that I don’t have credit on file and we’re unable to locate one of the reasons and those reasons were: • you have not apply for credit recently • you have not actively use credit in the past 10 years • you have not lived in the United States or have not been issued a US Social Security number
@JazzyMac
2 жыл бұрын
@@pruitt83 hey babe! ❤️ 👋🏽 how are you? Tell me more. What did the letter say? Was it the investigation results?
@JazzyMac
2 жыл бұрын
@@pruitt83 hmm strange. And you were disputing collections, right? If they can’t find a profile they’ll probably want you to send in identity documents but what you can do to short cut it is call over the phone and do a verbal verification of your identity through their challenge questions. Once that’s complete, have them continue your investigation and inform them of the date that you mailed your letters! ❤️
@deangelakirkendoll5172
2 ай бұрын
Hello I came across your channel and I’ve been looking over your videos to fix my credit they are very helpful . Can you tell me how to purchase your letter template
@JazzyMac
2 ай бұрын
Description box ☺️
@nesh9003
2 жыл бұрын
No one but GOD placed this video on my feed. Thank you so much for the info!! I need to start from video 1.
@JazzyMac
2 жыл бұрын
Hey LaNesha! He will supply ALL of our needs and put us in the path of good company! I am happy you landed here and excited to answer any questions you may have! 😇❤️
@shanekaw6290
Жыл бұрын
You mentioned housing grants do you know of any grants available in the Atlanta area
@JazzyMac
Жыл бұрын
Look up “Atlanta Dream Home Assistance”
@karenfall8678
2 жыл бұрын
I can’t even begin to describe how happy I am to have come across your KZitem channel. Your advice is amazing and in simple terms as you describe why, how, when & what is necessary to clean up credit reports. Thank you! Thank you! Thank you!
@JazzyMac
2 жыл бұрын
Omg that warms my heart! 🥰🥰🥰
@lisabrooks4293
3 ай бұрын
Hello I really need help charge off credit report
@sygridrobertson4405
2 жыл бұрын
Can you help me with the dispute template letter?
@JazzyMac
2 жыл бұрын
It’s in the description box!
@rolindaball6913
3 жыл бұрын
Very informative. Great post!!!!
@JazzyMac
3 жыл бұрын
Thank you so much, Ro!! I appreciate you watching and supporting! 😊😊
@sandbox51784
3 жыл бұрын
2nd video that I’ve watch from you & they are very very helpful!!!! Thanks for the help love.
@JazzyMac
3 жыл бұрын
Queen!!! I’m so honored!! 🥰 you are more than welcome and don’t hesitate to reach out if you have any questions at all! I’m here to support you!
@M4DForever
3 жыл бұрын
I LOVE YOUR CHANNEL!!! Congrats to you and your husband on the pregnancy sis. You don't even know how your videos came at the right time for my husband and I. We are 29 weeks pregnant and need to get into a larger home (rent) and keep being denied for a 590 credit score. Cant get into the 600s so Im going to implement your strategy and hopefully boost my credit enough to start applying again. Can you please please please make a video on what to do if you dont have enough credit history? I think this is whats really killing my score. Thank you! 🥰🥰🥰
@JazzyMac
3 жыл бұрын
Omg congrats to you and hubby, Brittany! Are you registered anywhere?! And if you have shorter history you could ask a family member or friend (with GOOD CREDIT) to add you as an authorized user to their credit card. How old is your oldest credit account? If it’s at least 2 or 3 years old that’s a good enough start!
@aprildumas-gray442
3 жыл бұрын
Just found your channel and this is the second video I watched. Where have you been all my life!?!? I am definitely going to buy the template and implement the dispute by mail technique to raise me and my husband's scores.
@JazzyMac
3 жыл бұрын
Yasss sis!!! That’s what I like to hear!! Please please please keep my posted once you send your letters off!!
@JazzyMac
3 жыл бұрын
Hey April! Checking in to see how things are going. Did you send off your letters yet? 😊
@aprildumas-gray442
3 жыл бұрын
@@JazzyMac I have! Score up 20 points so far which put me in the sweet spot (690s) for mortgage preapproval. Gotta keep working on mine and start work on my husband's credit as well.
@JazzyMac
3 жыл бұрын
@@aprildumas-gray442 April!!! I could come thru this phone right now and high five you! 💃🏾💃🏾 20 points! And you’re gonna save a TON on your interest rates! So excited for you and hubby! Lmk if you need any other advice! 😊 so proud of you!
@aprildumas-gray442
3 жыл бұрын
@@JazzyMac I have this charge off on my credit report for a car lease from 2017. I turned in the car and there were mileage overage fees of over $6,000. I paid them $100 monthly for a year and then they stopped debiting the payments. I ignored it at the time. The balance is $5,200 and it is listed as a charge off since 2018. I had no clue until I pulled my credit this year that it was even on there. I was reading about the statute of limitations and my head starting spinning. Should I just revisit this later? Should I try to settle in exchange for removal? I have no collections on my report and 5 charge-offs, 3 of which I paid in full a long time ago. So there's this car lease which is huge and one other credit card I already started the process for disputing. Also, can I ask the other charge off companies to remove the charge off out of the kindness of their hearts? lbvs I know this is a lot so if you do consulting I am happy to go that route.
@tashajefferson7601
Жыл бұрын
How do I dispute and where do I get the letter format?
@JazzyMac
Жыл бұрын
Description box ❤️
@mrs.mia-mia2U
3 жыл бұрын
So thankful for finding this channel by accident. I sure wished that I found it earlier this year that’s for sure 🙏🏽! Thank you for the informative information in such a chill vibe without all the unnecessary fireworks some folks put on their channels. Straight to the point and again very informative big thanks!
@JazzyMac
3 жыл бұрын
Hey sis!! 😘 I’m so happy that it made sense to you. I tried to keep it simple lol. Sounds like you’re already getting to the bag, but keep me posted on your credit journey. I’m happy to answer any questions you ever have!
@princeig656
3 жыл бұрын
So true 👍
@JazzyMac
3 жыл бұрын
@@princeig656 😘😘
@naomiface9613
2 жыл бұрын
Am in tears watching this video right now as I came across it by accident, I owe medical bill and now it is with collections. I have been having sleepless night and KZitem recommended your video, how can I get out of this huge problem
@JazzyMac
2 жыл бұрын
@@naomiface9613 hey Naomi! Have you reached out to the medical facility and asked about financial aid or asked if they’re willing to waive the medical charges due to financial hardship? That has worked for me in the past!
@christianramos515
2 жыл бұрын
Do I Include my Social number in dispute letters
@JazzyMac
2 жыл бұрын
I answered this 😊 try not to write duplicate messages or KZitem will hide your comment as spam 😊
@tashasosimple
Жыл бұрын
Ok ok, I just watched 5 or 6 of your videos, and you got me lol I subbed. ❤️👍🏾 all your videos thus far.
@JazzyMac
Жыл бұрын
🥹🥲 Thanks for subbing, Queen!! So glad you’re here!
@irenehidalgo9066
Жыл бұрын
I have. Credit card and a school that someone else use and it wasn’t me and there’s a bed that someone use and it wasn’t me so I need help please
@JazzyMac
Жыл бұрын
Report it to the police and FTC. I do not offer 1:1 services and do not offer credit repair :)
@ItsKelvi
2 жыл бұрын
How do i purchase the templates ?
@JazzyMac
2 жыл бұрын
Hey! Link is in the description box! 🙂
@evarhymes2367
2 жыл бұрын
How can I download template to dispute a collection on my credit report only?
@JazzyMac
2 жыл бұрын
Hey! It’s in the description box!
@crystalsmith5217
5 ай бұрын
Should you e-mail the creditor to delete late payments if the account is already closed?
@JazzyMac
5 ай бұрын
I did a video on late payment removal!
@84peruviangurl
2 жыл бұрын
Your videos are much more genuine than so many other videos I have watched in a couple of years!!! Nothing was ever as informative as your stuff has been, thanking God for people like you! Thank you so much.
@JazzyMac
2 жыл бұрын
🥺🥺❤️❤️ I needed this comment. The pleasure is all mine!
@resellingandcaliforniadrea8210
Жыл бұрын
Where can I pull an accurate credit report ..? Any suggestions
@JazzyMac
Жыл бұрын
MyFico app!
@ramirez0222
2 жыл бұрын
Do you help personally with fixing credit ?
@JazzyMac
2 жыл бұрын
I don’t, but there are DIY kits in the description box 🥰
@omardennis1303
3 жыл бұрын
Love the info!
@JazzyMac
3 жыл бұрын
Thanks for watching!
@ShenequiaDeal
2 ай бұрын
How do order your template ?
@JazzyMac
2 ай бұрын
Description box!
@GotSoul225
2 жыл бұрын
This information is G O L D!✨ thanks you for your knowledge.
@JazzyMac
2 жыл бұрын
It’s my pleasure! 😘😘
@chandragibson2217
Жыл бұрын
So, you are suggessting to request an increase so that the debt currently owed is lower versus being over 50%. Am I hearing that correctly?
@JazzyMac
Жыл бұрын
While paying down your credit balances
@angelaangela3428
3 жыл бұрын
Running across your video was truly confirmation for me. I'm an army veteran and i was reading others comments just like them my credit was damaged after getting out of the military because my lifestyle changed so much. Im soooooo thankful for this wonderful pop up video at 230am lol. but i could seriously use some tips and tools to get my credit together and getting my family into a forever home but first improving my credit. I'm ready to do the work. You're a blessing. new sub and i will be sharing all the video with friends and family.
@JazzyMac
3 жыл бұрын
Hey Queen! Firstly, I want to thank you for sacrificing your time and energy to serve our country. I salute you! 🇺🇸❤️ secondly, I have a video coming out this weekend on home buying and I discuss VA loans as well. I’m so honored that you tuned into my videos! 😊 I’m 100% here as a resource for any credit, finance or mortgage questions you have. Or if you just need someone to pray with you! Thanks so much for sharing the content and don’t ever hesitate to reach out to me! ❤️❤️
@irenehidalgo9066
Жыл бұрын
Do u know who can help me
@yuanitamadara1317
Жыл бұрын
Is there a difference between secured credit card and just a credit card
@JazzyMac
Жыл бұрын
Yes!
@dorisreno4ever
Жыл бұрын
Good morning. First and foremost thank you for all the valuable information you provide. My question is, I bought a couch and the company opened 6 different accounts for 1 piece of furniture. Is this legal and can I get it deleted off my account.
@JazzyMac
Жыл бұрын
Sounds extremely fishy to me!!! I'd be contacting a consumer protection attorney to see if they owe me compensation!
@rubired5651
2 жыл бұрын
You are such a Blessing to so many. I just subscribed and I love how beautiful and smart and classy you are. You are an example to so many. I pray God Blesses you 10× for being so genuine and humble with your gift 🙏🥰
@JazzyMac
2 жыл бұрын
🥲😩😩😩 thank you so much ❤️ peace and blessings to you and your family 🥰
@cedrickahenry895
3 ай бұрын
Could I affected someone else score if I’m an authorized user? Due to my credit history?
@JazzyMac
3 ай бұрын
Yes it’s possible.
@babypeanut17
5 ай бұрын
Where is the link for dispute letters ?
@JazzyMac
5 ай бұрын
In the description box 🤗
@langstonwilliams8979
3 жыл бұрын
Very glad I subscribed to this channel👍👍👍👍😊
@JazzyMac
3 жыл бұрын
I am glad you stopped by!! 😊😅 thank you so much!
@tbd3675
2 жыл бұрын
Good afternoon do you have your own credit repair service?
@JazzyMac
2 жыл бұрын
Hey! I dont :(
@tbd3675
2 жыл бұрын
@@JazzyMac good morning hope all is well I was hoping you did……i need help with my credit
@primetimetacticaltraining
3 жыл бұрын
She dropping gems
@JazzyMac
3 жыл бұрын
I try, I try! Yall motivate me! 😊
@tonyahenderson-wilson8821
2 жыл бұрын
He can I get the template
@JazzyMac
2 жыл бұрын
It’s in the description box 🙂
@barbarawaugh4608
3 жыл бұрын
Very helpful information
@JazzyMac
3 жыл бұрын
Hey Barbara! That makes me so happy to hear! Let me know if you ever have any questions! 😄
@caseyleis2680
2 жыл бұрын
So, I just call the credit bureau and they can tell me what's on my credit report?
@JazzyMac
2 жыл бұрын
No, you would go to Experian.com to pull your credit reports. They have a free trial for 7 days. Just don’t use sites like CreditKarma.
@memedicine
2 жыл бұрын
best video for disputes
@JazzyMac
2 жыл бұрын
Thank you so much!! 😊😊❤️
@AngelaMcelory
3 ай бұрын
Thanks for the info.
@JazzyMac
3 ай бұрын
Any time! 🥰
@Joirychelle
2 жыл бұрын
I just hand wrote three letters in Blue ink to Experian and Equifax and I ran to the Post office to have them sent off certified mail TODAY after watching this video! Can’t wait to see what happens, been focusing on boosting my credit since last year and def need a mentor now. Thank you!
@JazzyMac
2 жыл бұрын
THIS is what I wanna hear!!! When you all handwrite those letters and drop them in the mail, it makes my entire heart so happy‼️‼️‼️🎉🎉🎉 keep me updated sis! I’m proud of you for taking charge!!!
@shirleycollins4418
Жыл бұрын
did anything happen?
@marciayounge8027
2 жыл бұрын
Should we send a copy of our social and drivers license with the dispute letter?
@JazzyMac
2 жыл бұрын
Nope! Don’t do that unless they specifically ask for it!
@marciayounge8027
2 жыл бұрын
@@JazzyMac Thanks! Also what is the time period in between letting them know you only have one addresss, name and phone number, freezing your accounts, and sending the dispute letters. Should this be done days apart or can you do it all at once?
@JazzyMac
2 жыл бұрын
@@marciayounge8027 I’ve never had to freeze my account to do any disputing.
@marciayounge8027
2 жыл бұрын
@@JazzyMac ok thanks!
@doyoubelieve2291
Жыл бұрын
Hope you reply what if you have been making payment on account but it's been more than 2 years can you Dispute that still even though you are currently making payments in time?
@JazzyMac
Жыл бұрын
It’s harder to dispute in that case. You may consider asking the company for a pay for delete. But do your research.
@itsbabygen7952
3 ай бұрын
New follower ! Trying your templates out tomorrow 🥴 I’ll be back with a update
@JazzyMac
3 ай бұрын
🤗🤗🎉 welcome to the family!
@joycegisell
2 жыл бұрын
I bought your package and wrote my letters in blue ink as suggested and I just received an automated email from experian. Is this normal? Please help!
@JazzyMac
2 жыл бұрын
What does the email say?
@brittneyj87
2 жыл бұрын
Just came across this vid and immediately ordered your kit, can’t wait to see what results I get! Your video is the only that made sense and didn’t bore me to tears, thanks!
@JazzyMac
2 жыл бұрын
Omg Britney!! 😃 I’m so happy the video was helpful, I swear I ramble way too much so it makes me happy that it was helpful for you! Let me know when you send your letters off!! ❤️❤️
@brittneyj87
2 жыл бұрын
@@JazzyMac I definitely will 😀
@brittneyj87
2 жыл бұрын
@@JazzyMac hey I have a bit of a dumb question, I’ve started writing my letters already, for account name is that the creditor or the collection agency that now owns the debt?
@JazzyMac
2 жыл бұрын
@@brittneyj87 that’s actually a really good question! 😊 so you want to list the account number as it appears on the credit report, and in most cases the “appropriate” number to list is the collection account number.
@brittneyj87
2 жыл бұрын
@@JazzyMac thanks that was actually my next question since it’s not fully shown, but I meant the account name. It list collection agency as well as original creditor name, I’m unsure which to list as the account name
@MeshaBecooking
3 жыл бұрын
I appreciate you sharing this knowledge!
@JazzyMac
3 жыл бұрын
You are so welcome, Queen! I’m here to support you all anyway I can! 🥰
@isafelix1719
Жыл бұрын
Hi I was hoping I could get an answer on here. Yesterday my tax refund was taken by a debit collector and I had absolutely no idea who this collector was. I was never informed of any collection from this company. The collection is 5 years old. Can I send a letter to the agency to verify the debit or is it too late?
@JazzyMac
Жыл бұрын
I honestly would contact a consumer protection attorney for a free consultation. It sounds extremely fishy to me.
@americandoodle
2 жыл бұрын
I really like your channel ❤️
@JazzyMac
2 жыл бұрын
I really like YOU! 🥰
@trinigoddest8682
Жыл бұрын
Are they still on your account? If not, what happens when you removed them?
@JazzyMac
Жыл бұрын
I’m not sure what you mean…
@cassandranelson3730
Ай бұрын
My credit score is constantly dropping and I have lots of collections on top of student loans as well as finance companies... Help me please or should I just file for bankruptcy😢
@katietye3673
3 жыл бұрын
I just found your channel and I appreciate you so much. I’ve been struggling for years to build my credit and got virtually nowhere.
@JazzyMac
3 жыл бұрын
I appreciate YOU! 😊 they should’ve taught this in school! But hey, I’m here to help fill in the gaps for ya 😀
@katietye3673
3 жыл бұрын
@@JazzyMac would I be able to get rid of a closed account from 2016? It’s been paid off but still shows up. Do I just wait it out or can I have it taken off? I can’t seem to find any info elsewhere on this lol. Also, if a collection was disputed and taken off of one credit bureau, could I include that in a dispute letter to another that shows that same collection as unpaid?
@JazzyMac
3 жыл бұрын
@@katietye3673 hey Katie. Can you explain what the closed account is for? Car loan, credit card? Sometimes removing a closed account will lower your score (if it’s NOT listed as a collection item). That’s what I’m trying to understand. And you can try to include the previous dispute results in your dispute letter but it may not help much because all 3 bureaus operate independently of each other and don’t share information.
@raquellopez4525
Жыл бұрын
I have a question- I wanted to put my son on my credit card as an authorized user. However, I have filled bankruptcy 4 years ago. Should I NOT add him? I don’t want hurt his score- I just want to help it. He’s 17
@JazzyMac
Жыл бұрын
Hi! So he will inherit the credit card payment history, NOT the bankruptcy history. So if you’ve had perfect credit card payments, 100% on time, and you have a very low utilization (under 5%) then it may be something you can consider.
@joannidejesus6585
2 жыл бұрын
I have a question can dispute a car a co signed for my sister?
@JazzyMac
2 жыл бұрын
Hmm I’m not sure that you can unless you’re trying to prove identity theft or something 🤔
@joannidejesus6585
2 жыл бұрын
@@JazzyMac no I co signed for her but then she stopped paying now I'm stuck with her debt
@JazzyMac
2 жыл бұрын
@@joannidejesus6585 oh no I’m so sorry to hear that. I would maybe try contacting the finance department or your lender to see if they can remove your name from the contract somehow. Idk if that’s even a thing though. May need to ask an attorney. I hope it all works out for you.
@jevalian
2 жыл бұрын
GM.. I’ve been watching your credit videos all morning. How do I purchase your credit repair bundle and templates? I’m so excited to start repairing my credit do to your videos. Thanks so much
@JazzyMac
Жыл бұрын
Hey! It’s in the description box ❤️❤️❤️
@eboricua201
Жыл бұрын
Jazzy, can you provide me with a video/template on “newbies” CREATING credit history for the first time?
@joankelly1925
2 жыл бұрын
You make alot of sense,Thank you I have learned so much from you.Blessing's
@JazzyMac
2 жыл бұрын
Thank you Joan!! I’m so happy it made sense! Please lmk if you ever have questions!
@hemigurlrt1356
3 жыл бұрын
you are awesome!
@JazzyMac
3 жыл бұрын
Nooo…YOU are awesome! 💞😘
@mydebby2hot
2 жыл бұрын
Amazing infor awesome beautiful job thanks
@JazzyMac
2 жыл бұрын
Thank you Queen ❤️❤️
@taneshiaferguson5896
2 жыл бұрын
Hey Jazzy if a credit company is suing and I am making payments can I address that issue ? It’s showing closed on m credit report and a lawyer has it.
@JazzyMac
2 жыл бұрын
Hey! I wouldn’t chance it but instead would probably ensure I’ve submitted an answer to the courts before the court date. And in the meantime you can also consult with an attorney.
@taneshiaferguson5896
2 жыл бұрын
@@JazzyMac they already took me to court that’s why I’m paying
@taneshiaferguson5896
2 жыл бұрын
@@JazzyMac thank you for replying
@erikaorozco1553
3 жыл бұрын
I’m so grateful I came across your videos 🙏🏼 god works in amazing ways! I’m a navy veteran and can use some help to get myself back to a healthy financial lifestyle.
@JazzyMac
3 жыл бұрын
Erikaaa! 😭😭 I’m so touched ❤️ thank you for watching. My family is full of service members so let me know how I can help you. Have you started the VA loan process?
@JazzyMac
3 жыл бұрын
Erikaaa! 😭😭 I’m so touched ❤️ thank you for watching. My family is full of service members so let me know how I can help you. Have you started the VA loan process?
@erikaorozco1553
3 жыл бұрын
@@JazzyMac that is so exciting to hear! 😬 But not at all . I ruined my credit after I got out the military and could no longer afford the lifestyle I was used to so now I’m trying to repair my credit so I can fulfill my dream of being a homeowner 🙏🏼🙏🏼
@JazzyMac
3 жыл бұрын
@@erikaorozco1553 hey, life happens like that sometimes! It’s just one big learning cycle 😀 please keep me posted on your home buying journey. Even if you don’t want to buy a house right away, at least talk to a lender to see what you need to get pre-qualified. Always better to know ahead of time what you need to work towards! 😊
@ilanaveus2372
3 жыл бұрын
This information definitely helped me
@JazzyMac
3 жыл бұрын
I’m so glad you found it helpful sis! 😊
@Rosegoldie13
3 жыл бұрын
Just subscribe to your channel love the information your giving on credit and boosting your score.
@JazzyMac
3 жыл бұрын
Thank you so much for subbing! Your support is appreciated, Rose. I’m here to help you all succeed. Don’t ever hesitate to ask for help! ❤️
@Rosegoldie13
3 жыл бұрын
@@JazzyMac you're welcome 😊 I also asked a question but did get that answered. Is it good to pay off a credit card or pay minimum or more then minimum payment
@JazzyMac
3 жыл бұрын
@@Rosegoldie13 great question! I always say pay your card balances off. The lower your credit utilization is the higher your credit score will be. They are directly related. Plus, paying the minimum balance keeps you in more debt. You do not need to keep an ongoing credit balance in order for the account to stay open. I have open credit cards that I haven’t used in 2 years 😀 I cut them up so I won’t be tempted! Ha!
@Rosegoldie13
3 жыл бұрын
@@JazzyMac Thank you so much
@irenehidalgo9066
Жыл бұрын
I wanted to see how or what letters should I mail in or can u tell how to do it
@jasminemcgee6082
3 жыл бұрын
Thank you for these tips Jazzy!.... where can i get that shirt ur wearing in this video? I love it and i want it lol.
@jasminemcgee6082
3 жыл бұрын
Oh, im a new subscriber to ur channel! Im definately using these tips ur providing.
@JazzyMac
3 жыл бұрын
Hey sis!! You are more than welcome! I’m here for YALL! If y’all win, I win! 😊 and the shirt is from www.GodIsDope.com @godisdope on IG! 🥰
@iammsqquanda3705
2 жыл бұрын
Read your article in Insider and congratulations on your innovative work. I loved your saying you want to talk to others like you were explaining things to your mother. Big Ups to you.
@JazzyMac
2 жыл бұрын
Omggg Ms.Quanda!! I am so delighted that you came here and that you enjoyed the article. It was tough being vulnerable and putting my personal business out there but comments like these make it all worth it! 😊
@cherylecollins687
3 жыл бұрын
Love your credit classes, please upload or download your 609 dispute letters and please keep up the good work
@JazzyMac
3 жыл бұрын
Thank you Cheryle! The templates are in the description box 😊
@crystalaranda8467
3 жыл бұрын
Hi Jazzy!! Thanks again for another great video 🙏🏽 how can you check your credit? Is there somewhere to check for collections? How do you know which of the three (transunion, experian, equifax) it shows up on?
@JazzyMac
3 жыл бұрын
Hey Crystal! This video should help! Also, read the description box to see which websites I recommend for pulling your credit! kzitem.info/news/bejne/loWny2t_sWN6jH4
@alishabonk260
Жыл бұрын
There are housing grants?? I would LOVE to hear about them!
@JazzyMac
Жыл бұрын
Yes!! Check NACA!
@kimberlyr6258
2 ай бұрын
If someone becomes an authorized user on someone else’s account, and for some reason that account later gets sent to collection, what happens to the credit of the authorized user? Asking for a friend..
@JazzyMac
2 ай бұрын
If the AU racks up bills and gets late payments it goes on the primary account holders credit report. The AU will be affected as well.
@kimberlyr6258
2 ай бұрын
@@JazzyMac well, the AU never actually used their card. It was just to help their credit. But the account holder went through some things and their credit is now poor, the card was cancelled and sent to collection but the AU was never removed from the account. So I just wondered if they are still connected in any way, now that the card is cancelled and the account has been sent to collection. At this point, is it only the account holder that will be negatively affected by this?
@JazzyMac
3 жыл бұрын
Omg @Bee Latrice !! These department stores are notorious for offering discounts for you to sign up for a credit card, and people fall right into that trap & hurt their credit scores! I am so sick of it, LOL.
@naimastephen1224
3 жыл бұрын
Hello 👋 how can you help me with boost my credit up please?
@JazzyMac
3 жыл бұрын
@@naimastephen1224 hey sis! Start with this video 😊😊 did you have a specific question? I’m so happy to help!
@naimastephen1224
3 жыл бұрын
I tried to get it but I don’t
@JazzyMac
3 жыл бұрын
@@naimastephen1224 start by pulling your credit reports and noting what your current score is and what your goal score is.
@emiliawilliams9663
Жыл бұрын
I paid off my credi cards worth $5.500. No significant increase. Not sure what to do next.
@JazzyMac
Жыл бұрын
Give it time!
@evapalmer8832
3 жыл бұрын
Thank you thank I'm doing this asap I have debt on my credit from 7 years ago
@JazzyMac
3 жыл бұрын
If it’s from 7 years ago it should’ve dropped off by now! I’d definitely dispute those 7 year old debts!
@crystalclear9747
2 жыл бұрын
I have disputed an account online and they came back and stated that the debt belongs to me. Can I dispute it again through the mail?
@JazzyMac
2 жыл бұрын
Answered your previous post!
@crystalclear9747
2 жыл бұрын
@@JazzyMac OMG I am so happy you responded. Thank you so much. You are a heaven sent. My apologies, I’m just so eager to find out how to fix this. And I know that sometimes in order to get a response from some content creators because they get so many comments. You sometimes have to leave the question on multiple videos.
@JazzyMac
2 жыл бұрын
@@crystalclear9747 I’m the opposite, the same multiple comments will spam the post and make your comment get buried/hidden by KZitem. It’s always best to post just once for me.
@eagersoulsearching
2 жыл бұрын
I Just found your channel. Can you please share the letter for disputing items on your credit report. Thank you, Merry Christmas
@JazzyMac
2 жыл бұрын
Hey Carol! It’s in the description box 😊
@ashleenicole05
3 жыл бұрын
Hello!! New subscriber! I am here to learn all the tips and tricks to fixing my credit.. I am also a military wife and if you do have any info about how my husband and I can maximize everything the military have to offer, I am all ears! Will love for you to create videos on VA loans etc... everything you mention at the end of this video, I am here for it!!!
@JazzyMac
3 жыл бұрын
Heyyyy Ashlee!! Thank you for subbing 😊❤️ and thank you BOTH for your service (cuz military wives are the support system!)😇 my brother is an Airman and a real estate agent, and used a VA loan for his home recently. what questions do you have?! I can put together a video where he explains how they work!
@jennifertrevino8004
2 жыл бұрын
JAZZY JAZZY JAZZY, I wanted to share my news with you. Girl, im at 708 on my credit scores!!!! Girl lol, im so happy and proud. I worked so hard. Thank you for your methods, they really work!
@JazzyMac
2 жыл бұрын
I cannot get over how quickly you did this and how proud I am of you!!! 😩😩
@jennifertrevino8004
2 жыл бұрын
@@JazzyMac :) when i set my mind to something i do it girl :)
@celialopez1744
2 жыл бұрын
Recently found your channel and I’m deff going to try all of these..🙌🏼 I’m looking to buy a home.. anything i should try to do?
@JazzyMac
2 жыл бұрын
Hey Celia! ❤️ have you watched my first time homebuyers videos? Also have you pulled all 3 of your credit scores? 😊
@MsPrayerfulHeart
2 жыл бұрын
I do love your channel and recently subscribed. It’s like talking to a good and sincere colleague or friend who truly wants others to excel. Question: Can you dispute a collection that is fairly new like 2-4 years? If so, who exactly should the dispute letters be sent to (the collection company or the three credit bureau’s)? Also, how long should it take to rebuild credit on average?
@JazzyMac
2 жыл бұрын
Yes! There is no time limit for when you can dispute!
@irenehidalgo9066
Жыл бұрын
Me and my husband is fraud affected
@JazzyMac
Жыл бұрын
Make sure you do a police report!
@Diamondndruff
3 жыл бұрын
Where do I get my credit report so I can see what to dispute
@JazzyMac
3 жыл бұрын
You can go to annualcreditreport.com (for just the report, they dont display scores), or you can google "Experian free 3 credit bureau trial" or Privacy Guard (my other favorite that shows reports AND scores): www.privacyguard.com/sem/credit.html?gclid=CjwKCAjw95yJBhAgEiwAmRrutC-7Wf_Dp4a_HMwCL9xjrYpPJ9OGe-uOp2ejgY0aAJ7Ntrj8cKTTVhoC0PAQAvD_BwE
@brandyrussell6180
2 жыл бұрын
I just purchased your template but how do you get the old address and names off ? Do you have a template for that ? Please help
@quintashabrown2352
2 жыл бұрын
Thank you so much for your info...question...hie quickly does your score boost once added as authorized user to someone else account?
@JazzyMac
2 жыл бұрын
Hey! Your credit profile is generally updated within a day or two after being added as an authorized user. However if the person adding you has missed a payment or has a high balance, you will inherit their credit history as well. Good or bad. So do your due diligence 😊Hope that helps!
@maritzafigueroa5901
Жыл бұрын
Hi, great advise, thank you. I wanted to know if a Bankruptcy can be removed after 7yrs?
@JazzyMac
Жыл бұрын
It depends, was it was chapter 7 or 13?
@maritzafigueroa5901
Жыл бұрын
@@JazzyMac Hi, It was chapter 7.
@jpretty2u
2 жыл бұрын
This was very helpful. I find that I’m always Teetering back-and-forth in the high 700s and low 800s and I wanted to know how I can consistently maintain the score in the 800s. I’m sure my student loans don’t help🤦🏾♀️But, I will definitely look into increasing my credit limit.
@JazzyMac
2 жыл бұрын
Yes! That’s the best start and what site are you using to view your 3 credit scores?
@fatoukem
2 жыл бұрын
Thank you for these information. What do I do with charge offs and a medical bill that I wasn't supposed to have because I was covered during care.
@JazzyMac
2 жыл бұрын
Dispute it. Ask for validation and state that this was covered by your insurance.
@4pastort
2 жыл бұрын
I am really learning from your videos...thank you!!! Based on your experience to build/boost credit score, would it be better to carry a SMALL balance on your credit card or pay it off each month?
@JazzyMac
2 жыл бұрын
Heyyy Towana!! So glad you’re here! ❤️❤️ you technically don’t need to carry a balance in order for it to report to your credit 😊 I have credit cards that are active but have not been “used” in 2 years 😄 i cut it up to not get tempted and my credit score continued to skyrocket!
@4pastort
2 жыл бұрын
@@JazzyMac Cut it up to not be tempted 🤣 Even more great advice 😁
@JazzyMac
2 жыл бұрын
@@4pastort LISTENNNN😂 I know how easily tempted I get. I have to have safeguards in place lol
@mylifeisgoodable1
Жыл бұрын
Thank you and I am so glad I bought your templates few months. And between Oct 2022 and Nov 2022, I have 4 write off accounts already deleted by equifax, 2 deleted by TransUnion and Experian still dragging my deletion. Why is experian making deletion difficult?
@JazzyMac
Жыл бұрын
This is so awesome!! Congrats 🎉 remember, the bureaus don’t talk to each other. So follow the steps in your roadmap to address the other 2 bureaus. 😀
@nikipol5003
3 жыл бұрын
Hi I couldn’t pay my credit card anymore Bcz I got affected with covid but I still have my lease car and one credit card on time how I can keep improving my credit should I get a secure card
@JazzyMac
3 жыл бұрын
Hi Niki! At this point it’d probably be better to focus on your one credit card and not adding more. Each time you apply for credit it can lower your score 3-5 month. You can ask your credit card company to forgive the late payments for Covid relief. This could help your credit score if they remove the late payment history. You can also ask for a credit limit increase but DO NOT increase your spending. Try to have a $0 credit balance at all times.
@Thandipowell
3 жыл бұрын
New subby 🌞 just bought mine 💯
@JazzyMac
3 жыл бұрын
THANDIIII!!! Yasss, thank you for tuning in and im excited you made your purchase and a decision to take control of your BAG! Lmk if you have any questions, sis. I'm happy to walk you thru any steps! 😊💕
@farryshennett4658
Жыл бұрын
Hi I love ur video. I’ve never made a late payment but I hired this credit repair company & they had me disconnect all communication with my creditors but now I have a few late payments how can I get these removed ?
@JazzyMac
Жыл бұрын
That’s strange! I honestly can’t speak to why they’d have you do that but if you hired them they should be the ones getting the late payments removed 🤔
@ldinero22
2 жыл бұрын
I have question based on that im enrolled in a debt relief program and I wanted to know could I still dispute inquires on my credit report. I have things that's just sitting on my credit report that I swill liked removed. Thank you! I live your channel.
@JazzyMac
2 жыл бұрын
Hey! Are the inquiries for accounts that you opened?
@kl1066
3 жыл бұрын
Hello new sub here 😊love all the great info Thank You! I have a medical collection that keeps increasing do to interest..I get notified every 2 weeks it seems!. I was working with a credit repair company but cancelled the service after the second round back in April. A remark is on transunion that states (Account information disputed by consumer, meets FCRA requirements) I want to purchase your templates, but just trying to figure out if I start the process over or do think you I should go the hipaa route. Thanks in advance! Also I'm interested in home buying using the VA loan my hubby is a veteran and we are wanting to purchase our first home next year 🙏🏼
@JazzyMac
3 жыл бұрын
Buying a new home is so exciting! I hope it goes really smoothly for you! In your case, I’d call the credit bureaus and ask that what that statement means and what your options are. Also ask to see the original contract so you can see if they’re allowed to accrue interest and collection fees.
@KiM-zt9uc
2 жыл бұрын
Heyyyyyy Jazzy Mac I love love love your channel wish I subscribed sooner, the account number have XXXXX is that ok to use in Dispute letter or do I call to get full account number?
@JazzyMac
2 жыл бұрын
Yes!
@amandalashayjtb
2 жыл бұрын
Should I be sending disputes via mail with the bureaus or the collection agencies?
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