30 days ago my score dropped 33 pts from an old medical bill. I sent a dispute letter certified through the mail. I got no response and this month my score increased 33pts and it was removed!!!!! Thank you for your help !🙏😊
@JazzyMac
3 жыл бұрын
Nikoleeee!! 💪🏾💃🏾💃🏾🎊🎊 girl, did you treat yourself to a nice dinner or dessert?! Cuz that’s worth celebrating! I’m so proud of you for putting in the work and for believing in yourself! What now? Is a new home purchase on the horizon? New business? New hairstyle? 😀 I feel like you’re on a roll now ❤️❤️
@nikoleg4713
3 жыл бұрын
@@JazzyMac I always treat myself!🙌🙏❤️
@JazzyMac
3 жыл бұрын
@@nikoleg4713 yasssss!! ❤️💃🏾💃🏾
@JazzyMac
2 жыл бұрын
Hey Nikole!! How is everything going with your credit? ❤️
@ashlaraque4135
3 жыл бұрын
Jazzy you’re amazing. Real black girl helping other black girls out! It’s crazy bc I have plenary of family that did this but would never actually explain it to me. Thanks for teaching me this😭
@JazzyMac
3 жыл бұрын
Ashhhh 😭😭 that was so touching to read 😢 it’s my honor and pleasure to help educate my sistas. Y’all DESERVE to know this stuff. We’ve been taken advantage of for far too long. I’m so glad you found this helpful. I’m here for anything else you may need so don’t hesitate to ask questions. That’s the only way you’ll get stronger at this! ❤️
@godsgracewithtauragibson898
3 жыл бұрын
Yes ! Girl you don’t have to show or explain anything! You rock
@JazzyMac
3 жыл бұрын
Thank you, Queen! 😁😆 I just wanted the people to know I would never misguide them or lie to them about my stuff ❤️❤️ God has done too much for me to deceive anyone, but the trolls were getting under my skin lol.
@godsgracewithtauragibson898
3 жыл бұрын
@@JazzyMac yes we are thankful for you
@JazzyMac
3 жыл бұрын
@@godsgracewithtauragibson898 I’m thankful for YALL 😭😭😭❤️❤️
@shonalewis4992
3 жыл бұрын
I am sooooooo happy I found you on KZitem!!!! The information is fantastic, easy to understand and doable!!! Thank you!
@JazzyMac
3 жыл бұрын
Hey Shona!! 😊 I’m so happy to hear you say that 🥰❤️ I will continue to post as much content as I can so I can see y’all win! 🏆
@l.r.designstudioslauriesul8993
3 жыл бұрын
You are so easy to listen to - great information- really friendly lovely lady :) thank you
@JazzyMac
3 жыл бұрын
Omg thank you gorgeous!! 😊😊always here to help you guys!
@asipofabundance
2 жыл бұрын
First round of letters completed and will be sent in the morning. Thank you so much!
@JazzyMac
2 жыл бұрын
SIERRRAAA!! Let’s get into it!! 😍❤️❤️ so proud of you for putting in this work and I am standing in agreement with you that your negative items will be DELETED!!
@asipofabundance
2 жыл бұрын
@@JazzyMac Amen 🙌🏾
@DrDarnitaLPayden
3 жыл бұрын
Hi, so glad you uploaded another video. Your content helps so many I'm certain. Keep it up!!
@JazzyMac
3 жыл бұрын
Hey Dr. Payden!! Thank you! 😊😊 I’m trying to get back in the groove of things haha!
@DrDarnitaLPayden
3 жыл бұрын
@@JazzyMac I’ll be here waiting for the “Groove”!!☺️
@y.o.3
3 жыл бұрын
Congratulations!
@JazzyMac
3 жыл бұрын
Thank you so much!! 🥰😊🙌🏾
@negra2105
2 жыл бұрын
Very helpful info. And girl, your eyebrows be always on point 😍
@JazzyMac
2 жыл бұрын
I’m so tickled!! They are tattooed 😜😜 Thank you love! 😁
@ninaosborne1040
3 жыл бұрын
Congratulations!! 🎉🎊🍾
@JazzyMac
3 жыл бұрын
Thank you, Nina! ❤️
@alicia4096
2 жыл бұрын
Congratulations and thank you so much for the info recommendations and advice!!
@JazzyMac
2 жыл бұрын
You are so welcome! And thank you! 🤰🏾😆
@ashleyred69
3 жыл бұрын
Congratulations 🥰🥰🥰🥰 Thanks for the help 👏🏽👏🏽👏🏽👏🏽
@JazzyMac
3 жыл бұрын
Thank you Queen!! I can tell you watched the entire video 🥰😆 I appreciate you! Lmk if you have any questions!!
@ilovetopartyayeee
Жыл бұрын
Definitely gave me some more knowledge, can you discuss tips or advice in Medical Collections?
@JazzyMac
Жыл бұрын
I did a video for that! Check it out!
@1queensny
3 жыл бұрын
👏🏾👏🏾👏🏾👏🏾👏🏾Thank you for this video!👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾
@JazzyMac
3 жыл бұрын
You are soooo welcome!! I hope it all made sense!! 😊😊❤️
@tinaporter6022
3 жыл бұрын
Hi Ms. Jasmine, your videos are very informative. Can you tell me if when sending out a dispute letter if it should be hand written in blue or red ink or if it could just be typed out and sent. Let me know thanks!
@JazzyMac
3 жыл бұрын
Hey hey Ms. Tina! So, handwritten letters in blue ink is just MY personal preference. That’s definitely not to say that a typed letter won’t be effective and get results. I’m a bit old school 😅 so I like to write and make sure a human is gonna read my letter. Sometimes typed letters get scanned by a machine. But thats not always the case. So do what makes you comfortable because as long as you’re disputing it, that’s all that matters! 😊
@April-wt7zh
2 жыл бұрын
You are AMAZING!!!
@JazzyMac
2 жыл бұрын
Nooooo, YOU are amazing! ❤️
@DayanaPlays
3 жыл бұрын
Good stuff 🚀
@JazzyMac
3 жыл бұрын
Thank you! 💃🏾
@handrade5084
2 жыл бұрын
I CANNOT FIND YOUR NEW CHANNEL THE PILLOW TALK ONE
@JazzyMac
2 жыл бұрын
Here you go 😊 👉 Subscribe now (Pillow Talk): kzitem.info/rock/sQIYpagexeR-ivsm1r73DQ
@LifeOfRoRo
3 жыл бұрын
Jazzy can you make a video on good things to do after our credit is fixed? Such has good credit cards to apply for etc etc..
@JazzyMac
3 жыл бұрын
I sure can! I can make recommendations for secured credit cards to apply for (in the comment section) if that would help you in the meantime!
@LifeOfRoRo
3 жыл бұрын
@@JazzyMac yes please that would help A LOT😃
@shaylawashington4072
Жыл бұрын
What about collection items that have a balance?
@stacygaines4591
3 жыл бұрын
Jazzy you’re such a jewel! How do I get judgements removed? Also, is it a good idea to pay off my judgments? Thanks a lot!! 🤩
@stacygaines4591
3 жыл бұрын
Congratulations girly…on your baby boy!!! I have three boys myself. Good luck & many blessings to you and your family!! 🥳🥰😃
@JazzyMac
3 жыл бұрын
Hey Stacy! ❤️ thanks for tuning in! So with judgements they can sometimes be tricky, however, it’s still your consumer right to dispute it and ask for validation. And obviously if the credit bureaus cannot validate it, then it will be removed. If you feel the judgement was unethical, you weren’t given time or notice of the judgement etc, you could file a complaint with the CFPB (Consumer Finance Protection Bureau) against the bureaus for reporting it. Definitely worth googling your state laws and understanding how the CFPB can help you! 😊 I hope that helps!
@JazzyMac
3 жыл бұрын
And thank you so much!! It’s so awesome to be a boy mom! Many blessings and good health to you and your family! 🥰❤️😇😇
@SpaceRanger187
3 жыл бұрын
Slackn on the videos lately.been forever
@JazzyMac
3 жыл бұрын
LOL I got one premiering right now!!!! Watch it, fam!
@robincruz8283
2 жыл бұрын
The collection company already said after i paid it off it would say payment after collection and take awhile to ease
@JazzyMac
2 жыл бұрын
Did they agree to delete it? If not, that does your credit no good.
@chantelmusser735
2 жыл бұрын
Hi Jazzy, I purchased your Ultimate Credit Boost kit and have sent out my letters using your template & with the signature confirmation. I’m going to wait the 30 days from the date on the signature confirmation card I get returned to me in the mail. My question is: What if the credit bureaus do not respond back to me in the 30 days. How do I proceed? Thanks for all your help!!
@JazzyMac
2 жыл бұрын
Hey Chantel! So I put next steps in your credit roadmap for what to do if they don’t respond! 😊
@paishance1
Жыл бұрын
Jazzy ! What if a rep made a mistake with posting my payment, it hit my bank - deducted the funds and then days later I got notice that my bill wasn’t paid and my score tanks ? Now there’s no proof in my account because the payment disappeared. They bank provided me a letter reflecting the charge that once posted , but the institution refused to honor it . Worst of all I never recorded the confirmation number given. Any idea how I could fix this ? 😢
@JazzyMac
Жыл бұрын
Definitely file a CFPB complaint!
@cameliajackson5116
2 жыл бұрын
Hi jazzy!! Thanks so much for this info! I’ve purchased the package on yesterday eager to start my journey. Can you recommend the best secure credit card to start with?
@JazzyMac
2 жыл бұрын
Hey sis! I did a video on no credit check credit cards! Check it out ❤️❤️ they’re all secured cards!
@kamilindsay2974
2 жыл бұрын
Hello Ms. Jazzy congratulations on your bundle of joy💙..I finally have great credit yay me high 700s.. Experian suggested I open a secured credit card and i did and it went up..now they're suggesting I apply for one of the cards they're recommending on their site..but I read the reviews where someone is on disability like myself and couldn't provide a w2 so they were denied and their score dropped..any suggestions in this case..trying to get in the 800 club lol..new subbie for sure👍🏾tia
@JazzyMac
2 жыл бұрын
Hey Kami!! 👋🏽 great job on getting into the 700s! Regarding the card you’re applying for, you can always call the credit card company & speak with someone in the underwriting dept to ask if disability pay is sufficient. They should be able to tell you before doing the application! 😊
@livinswelltv6776
2 жыл бұрын
Who did you open your secured card through
@kamilindsay2974
2 жыл бұрын
@@livinswelltv6776 my credit union
@sunshineb-d5006
3 жыл бұрын
Yes, Knowledge is Power! And Congratulations on your pregnancy! My advice is after your baby is born bonding with your new baby self care plenty of sleep and patience. Enjoy! I have two adult children, and one my younger child is a boy he will be 16.
@JazzyMac
3 жыл бұрын
Hey Queen! Thank youuuu!! And Roger that! Self care is self love in my book. I’m so excited to be a boy mom! 😊 Yall make me feel so much better!
@rosiedaly6333
2 жыл бұрын
I need your help I paid over 4k for a credit councilor back in march of last year and my score has maybe gone up a few points but he said if we gave him all the info we would have a 600+ score in 6 months and well not even we never got any letters like he said we would and our lease is coming up and I’m scared we are going to get denied and it makes me want to cry we had done everything he asked and we haven’t gotten anywhere and we are out 4k
@JazzyMac
2 жыл бұрын
Hey Rosie! I’m so sorry that happened to you 😢 have you checked out my credit boosting tips video?
@sinaraabraham6210
2 жыл бұрын
Thank you so much
@JazzyMac
2 жыл бұрын
You’re so welcome! ❤️❤️
@yolandacampbell9804
3 жыл бұрын
Hi Ms. Jasmine, thank you for your videos. I do have a question… When a disputed collection account is removed, can it be added again?
@JazzyMac
3 жыл бұрын
Hey Yolanda! If a collection is removed as a result of identity theft or them charging illegal collection fees it usually won’t be added back. I’ve removed over 20 collections over the past several years and they never came back. However, if it’s removed and the CA can provide hard evidence that you owe the debt & fees then it’s possible it can be re-added. That’s maybe 1% of cases, it’s not typical that they re-add it. They can also still pursue the debt from your after it’s removed based on your state statue of limitations. Again, that’s not typical but there’s always an exception to the rule depending on state law, contract terms etc.
@jessspeaks555
Жыл бұрын
How do I get my credit account number and statement if it’s not listed on the credit care profile no more? Do I just call them and ask for a statement? I want to see if my credit card limit is reporting correctly to the credit bureaus because I don’t remember what it is.
@JazzyMac
Жыл бұрын
Call them to ask.
@justlissa8192
3 жыл бұрын
I have another question. If the actual credit card company offers me a deal to only pay 30% of what I owe, should I take that deal? Or do I need to pay 100% of the amount in payments. It hasn’t sent to collections yet, idk if I should accept the offer, will it hurt me more in the long run ?
@JazzyMac
3 жыл бұрын
Hey! That’s a deal I would probably take especially if it hasn’t hit my credit yet or been sent to collections. It will hurt more if you let it hit your credit.
@awesomechick420
3 жыл бұрын
Hiiii! I love your videos!! I can’t wait to see more content. I’m going to start using your letters for a collection account I have. Can I use the same method for hard inquiries? Edit to add: also for late payments do I call the lender or the credit bureau to bring the account to current?
@JazzyMac
3 жыл бұрын
Hi Chelsea! Im excited for you! You can definitely use the letters for inquiries as well, just ensure you only list a max of 5 total items per letter. I explain this in more detail in my other videos. Some people have gotten them removed online, but I’m old fashioned and prefer to write my letters. It’s your choice tho! 😀 For late payments, the current creditor/lender is probably the best person to bring the payments current or remove late payments. It can sometimes be difficult to get late payments removed, but sometimes with AutoPay set up they may be willing to do it. Im keeping my fingers crossed for you! 🥰❤️
@ashleybutler2634
3 жыл бұрын
@@JazzyMac I would advise her to do a goodwill letter, and send it to the original creditor you can easily find a template on google and edit it to her preferences and make sure it is certified when you mail it! Hope this helps! Good Luck🤞🏾
@JazzyMac
3 жыл бұрын
@@ashleybutler2634 yes goodwill letters are fine to send, most companies don’t adhere to them. They usually want a more solid guarantee in exchange for removing late payments, that’s where agreeing to AutoPay sometimes helps. However, it’s not guaranteed and I honestly don’t know anyone that’s had a ton of success with them. It’s worth a try tho, it doesn’t hurt to ask!
@annettegoldsmith6928
3 жыл бұрын
Hi Ms Jasmine. You are such a God send!!! Thank you for sharing your knowledge with the masses!!! My question has to do with bankruptcy. My credit score took a tremendous hit after filing. If after using all of the methods you illustrated in your videos to remove old debt from my report, will that bankruptcy still be visible to the bureaus? Or will I need to take additional steps to have that removed?
@JazzyMac
3 жыл бұрын
Hey Annette! So glad you stopped by! 😊 it’s a 50/50 chance that disputing your bankruptcy (asking for validation) will result in it’s removal. If it’s a fairly new bankruptcy within the last 1-3 years or may be more challenging. If there was a shared bankruptcy within a marriage or if the bankruptcy is older, or if an error truly occurred, then you may have more luck. Courts are backed up now so the chance that they’ll validate it are kinda slim, but like I said you never know and it’s always worth a try! It won’t hurt anything. Just be strategic and only dispute actual derogatory info (not positive accounts or good history accounts). Also do your own research before doing anything! 😊
@annettegoldsmith6928
3 жыл бұрын
Awesome!!! I will do my due diligence and keep you posted on my progress!!! Prayers for you and your husband for healthy baby and stress free delivery!!! Blessings... :-)
@JazzyMac
3 жыл бұрын
@@annettegoldsmith6928 awww thank you Queen! Baby boy is here and delivery was smooth❤️❤️ Let me know how it goes for you and if you have future questions!
@iitskel
3 жыл бұрын
Hey, these videos are great came at the most perfect time for me! So I have a collections under 1000 that’s under 2 years old would u recommend paying? And would that help my score since it’s new or should I dispute since I believe the date is wrong on it
@JazzyMac
3 жыл бұрын
Hey! Paying collections does not improve your credit score. Keep watching the video! 😊 I explain why!
@v.i.p_Esha
2 ай бұрын
Girl ppl hating when you def look like you in the 800 club
@JazzyMac
2 ай бұрын
I am 😎
@jennifertrevino8004
2 жыл бұрын
I have a question. I'm about to pay for Deletion with a collector next month. Should i send them a cashier check? or pay with debit? and write Endorsement of this check constitutes payment in full? There is a new law that's supposed to pass in 2023 stating that once the medical debt has been paid it must be taken off the credit report and also that collectors cannot report anything less than $500, i hope it passes
@JazzyMac
2 жыл бұрын
The endorsement laws vary by your state so a consumer protection attorney can better advise you of your state laws.
@kaylamorris128
2 жыл бұрын
I love your content! It is helping me so much. Question for you - if you have a collection removed from your report that you legitimately owe, can the collector still sue you for the amount you owed them? Or does the removal from the report also make it where they are not able to sue you?
@JazzyMac
2 жыл бұрын
Hey Kayla! So even if a collection is removed, that is separate from the collector and yes, they still can legally pursue the debt 😊
@kaylamorris128
2 жыл бұрын
Thank you for answering! So if I am working on buying a home and need to get my scores up, would it be best to work on removing the collections with the bureaus first and getting our scores up and then once the house situation is done then go and work with the collectors to settle what needs to be paid so we don’t have legally issues in the future?
@JazzyMac
2 жыл бұрын
@@kaylamorris128 that would be my approach 😊 you could also ask to do pay for deletes if you want to do it that way. But the goal is definitely getting the collections removed so your scores can increase and you qualify for the lowest interest rates ❤️
@JarlisaBell
3 жыл бұрын
What should I do if I’m in the process of paying something off right now ? Should I stop and dispute ? The third party company hasn’t sent any paperwork (even after asking) for a letter saying that it will delete after paying. Also could we get a video on exposing a breakdown on how to read the inquiries if that makes sense.
@JazzyMac
3 жыл бұрын
Hey! So the accounts you’re paying now, have they hit your credit yet ? And I’m happy to do an inquiry video. What specific questions do you have on those so I can plan out some content?
@rhomeshiawilson4072
2 жыл бұрын
Jazzy what do I do if my student loans have defaulted?
@JazzyMac
2 жыл бұрын
You can look into loan rehab or ask your servicer if they have particular default programs.
@resumefreak
3 жыл бұрын
Hi jazzy Mac. What’s your top 3 credit card recommendations? I have a 670 credit score with only a secured $200 card. I want to have at least a $5,000 credit limit if possible
@JazzyMac
3 жыл бұрын
Hey Jay! Soooo I don’t necessarily have a top 3 but I say think about your end goal. If the goal is just building credit or raising a score, increase your credit limit on your secured card. Or, once your secured card converts to an unsecured card, the limit will automatically increase but you could tell them you want a higher limit (and cut up your credit card). I’m not sure if they’ll raise it to $5K but baby steps, right?! Ask them if a soft or hard inquiry will be applied in this case.
@lovemegoldendac
2 жыл бұрын
Try getting a Navy Federal credit card. I’ve heard their limits are high
@latachia_2981
3 жыл бұрын
I already got the collections off,( increased the scores very little) but what about the charge-offs that caused them in the first place? I think that may be what is keeping my score down. It's taken 2 years for me to get to a 572 Experian score. Good luck with the baby's birth! Congrats!
@JazzyMac
3 жыл бұрын
Hey Latachia!! 👋🏽 Charge offs definitely weigh your score down. I’d work to get those removed as well if it were me. Use that credit score simulator tho! It’s a game changer for planning your score! And thank you, I’m so excited! 👶🏾❤️
@kimberlybarnes799
2 жыл бұрын
I was going to pull my 3 credit reports however Experian updates daily but my Equifax and Transunion last updated on March 2nd. Should I wait until Monday? I have paid down a few credit cards so my credit usage is at 58% with experian but still at 82% for the other two. I need to be prepared for class tomorrow. Thanks so much for all you do.
@JazzyMac
2 жыл бұрын
Hey Kimberly! Let's chat about it in the Facebook group! So you won't have to put your business out there ☺️☺️
@latishas.3286
2 жыл бұрын
Any invites for the x1 Visa card
@JazzyMac
2 жыл бұрын
Waiting for more!
@tinamontez3721
3 жыл бұрын
Hello Sweetie you are God sent….. I have been stressing all week about getting collections off my credit report. I’m trying to raise my credit and no matter if I pay my credit cards on time my credit score is stuck. I also have a question about goodwill deletion?
@JazzyMac
3 жыл бұрын
Hey Tina!! Go check out my other videos on Collections & Credit Boosting Tips! I’m the meantime, what’s your question on the goodwill deletion? 😊
@tinamontez3721
3 жыл бұрын
@@JazzyMac just wanted to know does goodwill deletion works?
@JazzyMac
3 жыл бұрын
@@tinamontez3721 you should certainly try! The only thing I’d say is to be careful that you do not admit to owing the debt because that technically can reset the clock on the age of the collection (add another 7 years before it can be deleted). That’s something you should research first 😊 but Disputing is like skipping that step altogether so it’s a matter of personal preference.
@wilainearmand1057
2 жыл бұрын
Hi jazz I want to thank you for your help here. I purchased your template but I’m confused how to fill it out the thing is I don’t have collections but I have inquiries and charge off . What should I do please?
@JazzyMac
2 жыл бұрын
Hey hey. Go back and look at your instructions page (it’s the first page of the template). It explains what to do for the charge offs and inquiries and provides examples on the next page. Also, take a peek at your Credit Dispute Roadmap 😊
@montikabrooks1358
2 жыл бұрын
Your videos are great! I would like to know what you would recommend doing in the following situation: I've pulled all three CRs for someone and the EXP and EQX reports only show the the original creditors- no collection agencies and the status is charged off or sold. The TSU report shows both the original creditors and collections agencies. What course of action do you recommend I take to try an get some of these items removed from all of the reports? I purchased your packet but I'm having a hard time deciding if I should start with sending either debt validation letters, pay to delete letters, or goodwill letters first. Thank you in advance!
@JazzyMac
2 жыл бұрын
Hey hey! So, firstly what site are you using to pull these reports? 😊
@montikabrooks1358
2 жыл бұрын
@@JazzyMac annual credit report
@JazzyMac
2 жыл бұрын
@@montikabrooks1358 ok in the instructions, I put a link to Experian.com to pull your credit report. You can do their 7 day trial for 3 bureau monitoring. How will you know your score went up or down if using Annual Credit Report? 😊
@JazzyMac
2 жыл бұрын
@@montikabrooks1358 as far as which method you start with, that’s a personal decision you’d make based on your financial situation. The credit kit contains different methods that you can read about in the Credit Guide that’s included in your kit 😊
@shoppingbagtiffy
2 жыл бұрын
So helpful! There is a car I bought in 2016 on my credit report. It has been paid off and showing on Equifax as closed is that negative or positive? Also it shows there was a 30 day late payment which is false. What do I do?
@JazzyMac
2 жыл бұрын
Hey! Closed accounts aren’t necessarily bad. That’s a 5 year old account so it usually helps your credit factor (account age) and mixture of accounts. I’d try to get them to correct the payment history but I would NOT aim to get the account deleted.
@NayDay718
3 жыл бұрын
I just have a question. What if you’ve already paid off the collection and it’s status shows paid can you still get it removed ? Will it even be worth getting removed if you could?
@JazzyMac
3 жыл бұрын
YES YES YES!!! Remember, “paid” collections are still a stain on your credit report. So while it may be paid, your score will likely shoot up once the account is removed/deleted. Most lenders use the older credit score models and they DO NOT like seeing even “paid” collections. It’ll cost you a much higher interest rate! I put the article from Experian in my description if you want to read more 😊
@NayDay718
3 жыл бұрын
@@JazzyMac ….. Thank You sooooo much ‼️
@JazzyMac
3 жыл бұрын
@@NayDay718 you’re welcome Queen!!
@1MrHD
3 ай бұрын
Little late to the video hope I can get a response! Does the template work for a fully paid off collection wish I knew not to pay it ! Now they say it’s stuck for 7 years.
@JazzyMac
3 ай бұрын
I have templates for that!
@1MrHD
3 ай бұрын
@@JazzyMac Hey Jazzy i am a current member and went through the course. Just wondering which one i would use because I fully paid off a collection from 2020 not knowing. Would this fall under a goodwill letter i don't see the collection CEO as its just labeled as credit collection and paid and closed? Would it just be a regular dispute even though I paid it and looking to get it removed since I didn't ask for a pay-to-delete? which template would i use?
@JazzyMac
3 ай бұрын
@@1MrHDhey! It’s more of a trial and error thing because all companies are different in how they deal with paid debts. Some people have luck just simply disputing it and stating that it needs to be removed for inaccurate data. Others will try the goodwill letters. It’s a personal preference though! 😊
@1MrHD
3 ай бұрын
@@JazzyMac ok ill try both thank you !
@1MrHD
3 ай бұрын
@@JazzyMac Thank you so you can write good will letters to the credit agency as well? Last question sorry ! cause i know most the goodwill were to bank CEOs
@arianasherry3289
3 жыл бұрын
Cool
@JazzyMac
3 жыл бұрын
😇😇
@ernestinebaynard4109
2 жыл бұрын
Hello Jazzy Mac I’m here in the GA and was wondering if you can work with me with my credit
@JazzyMac
2 жыл бұрын
Hey Ernestine! While I no longer offer personal consultations due to having my baby, I am happy to answer any questions you have! ❤️ fire away!
@dotsonms
3 жыл бұрын
I've seen a lot of videos saying this, but I paid 3 collections down with remaining balances and no other changes and my score went up 50 points in 2 months. It's all so confusing.
@JazzyMac
3 жыл бұрын
Hey Suzanne! That’s amazing! I’m curious if the accounts were subsequently deleted from your credit report after payment. There’s very, very FEW companies that do that, and it’s more of an exception to the rule, rather than the norm of it. If those paid collections items are not on your credit then that backs up the point i make in other videos about the goal being to have the entire account removed. There could’ve been other subsequent factors that raised your score as well. But per Experian, it depends 😊
@growandglowlife
3 жыл бұрын
Hi Jazzy email you provided not working, I tried the website contact page that is not working either how do I reach you with a question? Will be grateful, thank you!
@JazzyMac
3 жыл бұрын
Hey Shiloh! Those emails/websites have been decommissioned but I’m happy to answer any questions you have right here! Shoot! 😊
@karenalvarez6163
2 жыл бұрын
hey I got your templates and it says hand write it. Do you think it makes a big difference if I do so or is sending the letter printed out ok? thank you so much! I am so excited to see what happens :)
@JazzyMac
2 жыл бұрын
Hey hey, Karen! So if you prefer to type, that’s totally fine. I’m old fashioned so I prefer to hand write mine but there is no right or wrong way of doing it ❤️
@billgermain5585
3 жыл бұрын
What if a collection agency sent a letter stating that they will no longer pursue the debt, but then another agency reported the debt to my credit report? Love your videos by the way
@JazzyMac
3 жыл бұрын
Hey! Thank you! 😊 sounds like they sold the debt to another company, which is common. However if it’s on your credit, you still have the right to dispute it.
@billgermain5585
3 жыл бұрын
@@JazzyMac thanks for that. I wanted to look fora home the beginning of next year and I have 3 hospital bills, 2 of which is recent, and 1 cable bill holding me back. My credit score is in the mid 600s, I've paid a credit agency to have some negative items removed and while some of those were removed, 2 of what I've mentioned earlier are too stubborn to be removed till this day. I'm just looking for advice at this point and your videos are very helpful.
@JazzyMac
3 жыл бұрын
@@billgermain5585 hey Bill! Nice job on getting some of the collections removed! Always ensure you have it in writing that they will remove those derogatory marks from your credit upon payment. Otherwise, it will stay on your report for 7 years. However, if you watch my other videos, I definitely talk about how it’s still possible to get paid collections removed from your credit. So I’m sure that you’ll be able to qualify for your home soon! Mid 600s will definitely get your foot in the door. 😊 best of luck to you on your future home!
@billgermain5585
3 жыл бұрын
@@JazzyMac Thanks again. Although, what I meant was that I've paid someone to dispute for me rather than do it myself until I've stumbled upon your channel. Sorry for the misunderstanding
@JazzyMac
3 жыл бұрын
@@billgermain5585 no worries, it makes sense now! 😀 you are so welcome let me know if you have future questions!
@popsiclegambling7347
3 жыл бұрын
Bought your $27 package was wondering if there was anyway to get 1-1 or something similar I’m currently active duty military and know that there are laws about when I’m deployed about APR and stuff like that and in which my accounts didn’t do
@JazzyMac
3 жыл бұрын
Hey Matthew! I no longer offer personal consultations but I’m happy to answer any questions you have right here! 😊 this article is also a good read for understanding your rights: www.justice.gov/servicemembers/servicemembers-civil-relief-act-scra
@rachealcraig41
3 жыл бұрын
Thank you for your wonderful advice . I just pulled my credit reports and found duplicate months reported in the payment history guide on my only collection. Is that enough reason to dispute? Thanks 😘
@JazzyMac
3 жыл бұрын
Hey sis! So, technically you can dispute (ask for validation) for no reason at all. Simply saying “please validate these accounts” is enough for the dispute process to start. However, explain to me what you mean by duplicate payment history 🤔 that doesn’t sound like a bad thing that’s hurting your score but I wanna make sure I understand what you mean and whether it could be derogatory or not 🥰
@JazzyMac
2 жыл бұрын
Hey sis!! Just checking on you to see how things are going? ❤️❤️
@juliacarter1280
2 жыл бұрын
What can I do about my husband? He has things on there that he's never used. 2 different middle name initials. He thinks someone has used his SSN. One is a credit card. He's never had a credit card.
@JazzyMac
2 жыл бұрын
So, his situation will differ and may be a bit lengthier as it sounds like it may involve fraud or ID Theft. If were me (this may vary according to your state laws), I would file an Affidavit of Identity Theft with the 3 credit bureaus. Then I'd have them freeze my credit files. You can do all this over the phone for fastest results. As far as getting the account removed, you will need to dispute the accounts as fraudulent and you may be asked to provide proof of identity amongst other documentation. A shortcut may be if you file a complaint with the CFPB against the credit bureau and collection agency reporting the info. I hope you all get it resolved soon! 😩
@juliacarter1280
2 жыл бұрын
@@JazzyMac 😩😩😩 thank you
@JazzyMac
2 жыл бұрын
@@juliacarter1280 you're welcome sis! Y'all got this. Keep me posted!
@juliacarter1280
2 жыл бұрын
@@JazzyMac yes ma'am. We're downloading your template Thursday 🥰
@melodiesherred9894
2 жыл бұрын
My credit score dropped when I sent the dispute letter and they put notes on my credit is that right
@JazzyMac
2 жыл бұрын
Sounds strange, disputes aren’t meant to drop your credit score. What do the notes say? Also, what does the score change section say on your credit report? Most likely there was new info reported, a new collection/missed payment etc. but if you disputed an active account (that was not in collections or charge off) then that could also play a factor. But a dispute itself alone cannot drop your score.
@chinarah6540
3 жыл бұрын
Wait so i'm confused, so I shouldn't pay my collections at all even if I know the debt/collection item is mine? I've read your description box like 5 times lol, and I guess I'm just not understanding, you say that you don't recommend the "pay for deletion method," however what if I send these letters out to all of these companies I have in my collections, and they all end up validating my identity (cause lets be honest I know every single collection item i have is mine, however their all 4-5 years old, and their mostly medical bills, and a few apartment damages bills... i know they are mine... but i shouldn't pay them? so how would they get deleted at all? like once they mail me back and be like "uummm yeah, this is defiantly yours" then what do i do lol? just pay it? cause i'm sure after they prove its yours, there's no way to get out of it/ask for it to get deleted.
@JazzyMac
3 жыл бұрын
No, my videos are not about evading debts that you owe. I literally say in the video to pay your debts and try not to let them hit your credit. The video Is about understanding that even having a $0 balance collection can still damage your credit so the goal is to have it deleted, ESPECIALLY if charged illegal collection fees. Go back and watch the other videos and it should make more sense 😊😊
@chinarah6540
3 жыл бұрын
@@JazzyMac Thankyou! Sounds like I’m just stuck with paying them even though after watching so many of your other videos, that sounds like I’ll just be throwing my money out into thin air lol, basically paying for no reason…idk I guess I’ll just wait the 7 years for each and see where that gets me Thankyou!
@JazzyMac
3 жыл бұрын
Thank you for tuning in Queen! Lmk how it all goes for you 😊
@funminiyialabi3390
3 жыл бұрын
Have been enjoying all your videos and my credit score will be great by the end of the year Im basically at where you started building yours. My question is, it’s fine if we only have one credit card right ? And I have zero collection. Even tho I have Hosptial bills that was send to collections but it’s not showing on my stuff. So also just to confirm you saying use 10% to 20% of what you approved for right ? And only pay the monthly bill don’t make full payment? Sorry for the long questions I appreciate
@JazzyMac
3 жыл бұрын
Hey Queen! So glad you’re enjoying the videos and taking control of your credit and finances! 🤗 One credit card is optimal! You don’t even have to make purchases on it for it to improve your credit score over time. I’ve had a credit card that I NEVER use and it reports to my credit as positive each month. Can you clarify the 10-20% question you’re asking? It’s not necessary to use any percent of the credit limit for it to improve your score. I also would not carry a balance month to month to avoid paying unnecessary interest.
@funminiyialabi3390
3 жыл бұрын
@@JazzyMac so my score is like 451 with no collection right now. So how I plan to build my score with your videos that have watched is “ pay my debt which is only 500 which was also my limit, so I plan to pay all that. Ask for a increase in limit. Then only spend 10% of what they give me . You think that’s a good plan to increase the score?
@JazzyMac
3 жыл бұрын
@@funminiyialabi3390 I think that’s a good plan! but I’d modify it to not spend anything of the limit, since you are trying to build. It’s not a bad thing to spend 10%, but it can just be tempting sometimes to go over that, and heaven forbid slip up and miss a payment. Just a form of discipline but if you trust yourself then it’ll be fine. 😊😊
@funminiyialabi3390
3 жыл бұрын
@@JazzyMac thank you for the reply I really appreciate. So you saying I can just pay and don’t use the card at all my score will go up?
@JazzyMac
3 жыл бұрын
@@funminiyialabi3390 yes! The whole 10-20% thing isn’t necessary for your score to improve. As long as the account is open, it will help your score. So no monthly balance is needed 😊
@mommyandme4978
2 жыл бұрын
What can I do if I payed the collection and it only went up 4 points.
@JazzyMac
2 жыл бұрын
Have you tried to get the entire count deleted by disputing it?
@mommyandme4978
2 жыл бұрын
No not yet can I do that even if I just payed it.
@JazzyMac
2 жыл бұрын
@@mommyandme4978 yes!
@mommyandme4978
2 жыл бұрын
Okay thank you
@JazzyMac
2 жыл бұрын
@@mommyandme4978 you’re welcome! Lmk how it goes and I’m here if you have other questions!
@alesiaprice2564
3 жыл бұрын
Hey I have a question, my student loan has been sold to another company, therefore can I dispute this?
@JazzyMac
3 жыл бұрын
Hey Alesia! Student loans are a bit different. 1. Was this a private loan from your institution? 2. Is it currently showing as a collection on your credit report?
@carlosmancera7507
3 жыл бұрын
I was wondering if you know how to remove a BK that I started but never continue withbthe process but yet its showing on my credit. Thank you in advance for your help
@JazzyMac
3 жыл бұрын
Hello! I’m not sure about BK. You may want to dispute it if it was placed on your credit in error, but your best option is always asking a debt attorney 😊
@carlosmancera7507
3 жыл бұрын
Thank you again, I will be getting your kit tomorrow.
@JazzyMac
3 жыл бұрын
@@carlosmancera7507 awesome! And you can request a free 30 minute consultation for a debt attorney to advise you! If you call your state bar association they can provide someone for you!
@nidiaaracena6460
3 жыл бұрын
Where can i get your collection letter can someone please tell me.. thank you
@JazzyMac
3 жыл бұрын
Hey Nidia! The link is in the description box 😀
@only1deep961
3 жыл бұрын
Hey I need help with my credit I have so many hard inquiries? Also should I pay closed credit card accounts ? How much do u charge to repair credit
@JazzyMac
3 жыл бұрын
Hey there! I don’t offer credit repair and I don’t believe in it. That’s a great way to get your credit accounts flagged. I’m not sure if you should pay the closed card accounts or if it will raise your credit score. I’d recommend using Experian’s credit score simulator to determine that! 😊
@only1deep961
3 жыл бұрын
@@JazzyMac thank you I subscribed
@marcusconner4162
3 жыл бұрын
Ok last thing.. You mentioned putting the account number when writing the dispute letter.. It is only showing my account # like this... 3456xxxxxxx .. Not showing the full account#
@JazzyMac
3 жыл бұрын
That’s normal. You’d list it exactly as it appears, XXX’s included.
@marcusconner4162
3 жыл бұрын
Who do i send the dispute letter to? You're amazing to. You know your stuff.. Put out more content on things so we can give you hella likes 😂
@JazzyMac
3 жыл бұрын
@@marcusconner4162 I’m working on that!! 🤣 and the letters go to the bureaus. I have the templates with addresses in my description box!
@ojharris6798
3 жыл бұрын
I've had negatives removed an my score dropped tremendously I do have a late payment on my account would that cause this huge drop
@JazzyMac
3 жыл бұрын
Hey! See the article from Experian below! If you score is dropping tremendously it could be because you lost the account age/history or because new info was reported. The only accounts I recommend removing are the ones listed as “Derogatory” and even then, you should be using the credit score simulator in the video above to see what impact it will have on your credit. Late payments can definitely kill your credit score. But it’s better to examine your credit score and use the simulator to predict how your score can increase over time. That was my secret weapon! www.experian.com/blogs/ask-experian/can-paying-off-collections-raise-your-credit-score/
@c.2507
3 жыл бұрын
How do you go about paying on a delinquent credit card that has been charged off and is now a closed account but still has a balance? It's not in collections and hasn't been sold to a collection agency, however, it is was closed last year, and every month the negative months increase. What approach should I take on this?
@JazzyMac
3 жыл бұрын
So if it’s a charge off that carries the same weight as a collection. You can call the creditor and arrange payment. They may be using an in-house agency. But if it’s closed you have to make special payment arrangements which won’t guarantee a score increase if the charge off is still listed after you reach a $0 balance.
@c.2507
3 жыл бұрын
@@JazzyMac Hi Jazzy, thanks for your reply! So it is closed, but I used the score stimulator as you suggested and it said that my score should increase if it is paid off in monthly installments, but weirdly it drops by 10 pts if I pay it all off at once. So I will be contacting them to arrange a payment plan. You are super!!
@JazzyMac
3 жыл бұрын
@@c.2507 nice job using the score simulator! I’d still maybe give a call to one of the bureaus to confirm what the simulator shows. I just want to make sure you get all the details before you do anything ❤️
@teetownsend6701
3 жыл бұрын
Hi Jazzy I pulled my credit report via Privacy Guard. I have 3 late payment from the end 2019 beginning 2020 showing for a credit card. I have disputed in the past and this is the message showing under the remarks... Account Previously In Dispute - Now Resolved - Reported By Subscriber Account Previously In Dispute - Now Resolved, Reported By Data Furnisher (To Be Used For Fcra Or Fcba Disputes). What is my next step using your kit? Should I send the 2nd letter or is there another step I should use to get this deleted?
@JazzyMac
3 жыл бұрын
Hey Tee! You can do a quick call with the bureau first to ask them to remove those statements (your statement ) It sounds like they’re implying that you and the creditor agreed that the account status was correct. As far as the furnisher statement, you need to speak to the credit dept of your credit card company and have them either update the payment history or remove their statement. They aren’t obligated to do either (if you were truly late on payments) but you can ask for a goodwill adjustment. My templates are for collections and getting items removed however you don’t need to remove the credit card history…sounds like you just want the late payment status cleared?
@teetownsend6701
3 жыл бұрын
Yes that is correct. I also have a couple paid collections I need to remove....before I listened to your videos....and and a closed account that needs to be removed
@JazzyMac
3 жыл бұрын
@@teetownsend6701 ok before you remove the closed account, does it have late payment history? Is it an account you paid on time? If so, leave it there so you can keep the age history. Regarding getting your late credit card payments cleared, you can call the company about a goodwill adjustment due to hardship and try to get on AutoPay or something to show them it won’t happen again. It’s worth asking but my particular templates aren’t for correcting payment history. It’s for getting items deleted, which we obviously don’t want to delete the active credit card 😊
@teetownsend6701
3 жыл бұрын
One account was a collection off. It had late payments. I settled for less than full balance...it was paid. The 2nd is a medical collection/charge off that I paid. I will try contacting my creditors to request a goodwill. The three last payment showing occurred the dec 2019, jan 2020 and march2020 all payments since then have been on time
@JazzyMac
3 жыл бұрын
@@teetownsend6701 ok great. Even if they only adjust one payment that’s better than nothing. Keep me posted!!
@chritianadominguez5997
3 жыл бұрын
The perfect score for getting a new apartment
@JazzyMac
3 жыл бұрын
😊😊
@charlinejoseph3362
2 жыл бұрын
Where do I purchase your template
@JazzyMac
2 жыл бұрын
Hey! Link is in the description box! 😊
@lucretiamccollumcc
2 жыл бұрын
What if you have a student loan in collections?
@JazzyMac
2 жыл бұрын
Do you have the contracts that you signed or the promissory note? Was this for a private college?
@lucretiamccollumcc
2 жыл бұрын
@@JazzyMac I just watched one of your other videos. Thank you so much for your awesome content!! 🤗 This was a private online school. They were super shady about the whole loan proccess. For three months they charged me over 12,000 🙄 I finished my education at my local college and paid those loans.
@jahlayeajackson6981
2 жыл бұрын
Hi, if you have inquiries from applying for credit such as a car dealership, can you dispute those ?
@JazzyMac
2 жыл бұрын
Hey Jahlayea! Yes, you sure can! 😊
@jahlayeajackson6981
2 жыл бұрын
@@JazzyMac Thank you so much for all the tips and advice!
@millionmileaminutemama9372
2 жыл бұрын
Would you have to contact the car dealerships that pulled it ?
@JazzyMac
2 жыл бұрын
@@millionmileaminutemama9372 I’d dispute with the bureaus using the method in my other videos 😊
@michaelnewton4666
3 жыл бұрын
I need help fixing my credit bad. Please help
@JazzyMac
3 жыл бұрын
Hey Michael! Have you checked out my other credit videos to get you started? 😊
@fefe12345
3 жыл бұрын
Hi. I purchased your template package and sent out my letters for dispute last week. Experience sent me a generic email explaining the dispute process. Do you think this is what they are trying to use as a response?
@JazzyMac
3 жыл бұрын
Hi there! It is strange that they emailed you although you mailed them letters first. Chances are they are responding to something else (and not your letters). Had you done an online dispute recently? Within the last 30 days?
@fefe12345
3 жыл бұрын
@@JazzyMac thank you for your response. Yes I disputed addresses and names last week.
@JazzyMac
3 жыл бұрын
@@fefe12345 Ok got it! As a rule of thumb, there needs to be 30 days between any disputes you do, even if one was online and the rest are written. You want to make sure you don’t come off as doing “frivolous disputes” by doing them so close together. So, as far as the written ones you sent off there’s nothing you can do but wait for them to mail their response to you, but just something to keep in mind 😊
@JazzyMac
2 жыл бұрын
Hey! How’s is going?
@Gmanny007
3 жыл бұрын
Can I still use your templates for closed accounts, inquiries and late payments? I have nothing in collections. Thanks!
@JazzyMac
3 жыл бұрын
Hey! I’d use it for inquiries but not closed accounts. Is the closed account an active collection? Or is it just an old loan account that was naturally closed?
@Gmanny007
3 жыл бұрын
@@JazzyMac old loans that closed over time 0$, but as marked dederogatory.
@JazzyMac
3 жыл бұрын
@@Gmanny007 ok in that case I'd actually leave the loans on there because they add 2 things: account age history & loan type mixture. Its a chance that if you remove the loans your score can drop because you'll also lose the account age history as well. Even tho its derogatory, it could be hurtful to your score to remove it. My advise is to watch my "See My Credit Score Video" to learn how to use the credit score simulator tool, that will tell you how removing that type of account may affect your credit score.
@erickcardenas1416
3 жыл бұрын
@@JazzyMac hi beautiful, I had a question like this one also. I paid to settle back in 2016 when I was 18, and it still shows up on all my reports… and an old hospital account that was sent to collection and paid off. Can I remove both of them? it’s stressing me out 😔
@JazzyMac
3 жыл бұрын
@@erickcardenas1416 hey Queen! So I can’t blindly say if you can get anything removed 😊 it’s all contingent on your work. But I’d say a debt that old is worth disputing to see what happens. It’s close to falling off naturally so you might get lucky and have that work in your favor. The paid off/$0 collection should be easier to get removed. You may have to dispute it a couple rounds but I’ve had success in that so you can too!
@brandihughes1337
3 жыл бұрын
Can I purchase your templates another way.. I don't have pay pal
@JazzyMac
3 жыл бұрын
Hey! It actually lets you do the “Checkout as Guest” option if you scroll down to the bottom of the PayPal page! So you don’t need an account 😊😊
@brandihughes1337
3 жыл бұрын
@@JazzyMac .. after you submitted the letters.. how long did it take to get an answer or boost your credit.. your template is awesome
@JazzyMac
3 жыл бұрын
@@brandihughes1337 thank you Queen! I heard back in most cases within 30 days. Every now and then they may “claim they didn’t get your letter” so I’d send a follow up in 30 days again. For certain accounts I had to dispute multiple times (changing my dispute reason) and for a few I had to escalate/file a complaint with the CFPB (Consumer Finance Protection Bureau) against the bureaus and collection agency. It can be a battle but for me it was 100% worth the work! 😊
@tinosmith1418
3 жыл бұрын
Where do I start.?
@JazzyMac
3 жыл бұрын
Check out my credit boosting tips video! 😊
@cynthia5393
3 жыл бұрын
Hi Jazzy!! Do you have an IG page?
@JazzyMac
3 жыл бұрын
Hey Cynthia! I’m not on social media!
@cynthia5393
3 жыл бұрын
@@JazzyMac Ok. Thank you!!
@_Godsprincess_
3 жыл бұрын
What credit card should I get?
@JazzyMac
3 жыл бұрын
Start with a secured card if you’re trying to rebuild your credit or it’s your first card. Ask you local bank that you use if they offer a secured credit card! ❤️
@nicolephillips4157
3 жыл бұрын
My payments are on time balances are low yet my score dropped 11 points what did I do wrong
@JazzyMac
3 жыл бұрын
Which website did you use to pull your score? Credit Karma or one of the Big 3 bureaus?
@nceron6539
3 жыл бұрын
Same
@JazzyMac
3 жыл бұрын
@@nceron6539 your credit report generally will tell you why your score dropped month over month. Especially if you go directly to Experian/Equifax or TransUnions website. Not sure if other sites explain why it drops.
@sw5824
3 жыл бұрын
98% payment rate. Paid off my car no late payments score went up 6pts. I have 8 Credit cards paid off 6 cards no late payments. I paid off $5K loan My available credit increased by $26k My score went down 13pts. * i cancelled Credit Karma account was compromised I
@JazzyMac
3 жыл бұрын
@@sw5824 I’m so glad you got rid of credit karma because they aren’t my favorite at all. It’s hard to say why your score went down. It could’ve been from inquiries being added, some hidden late payments (or errors) even 1 late payment can do severe damage. But you need to really examine your reports over time and review the Derogatory section. Also ensure no one else is putting accounts in your name!
@doseofken
3 жыл бұрын
how can I get in contact with you? im located in atlanta
@JazzyMac
3 жыл бұрын
Hey Queen! I no longer do personal consults but feel free to ask any questions you have right here. I’m happy to help! ❤️
@doseofken
3 жыл бұрын
@@JazzyMac yes. so you only offer the templates not working with clients personally in an office setting or via phone correct? Can you share your expertise in business credit?
@kakeskakes8429
2 жыл бұрын
Do I pay a 87.00 collection
@JazzyMac
2 жыл бұрын
If it’s that small, I’d pay it 😊 and get try to get the account removed afterwards.
@XJayCrew
3 жыл бұрын
Do u have a credit website
@JazzyMac
3 жыл бұрын
Hey! I have the website for my templates in the description. Full website is being built as we speak 😊
@XJayCrew
3 жыл бұрын
U have an Email I can ask you something
@Daddy_Dirk_Diggler
3 жыл бұрын
I’m new to your channel but I actually prefer your content over Dave Ramsey’s. I think he is a little out of touch with reality.
@JazzyMac
3 жыл бұрын
😄😆 thank you Matthew! Dave and I definitely have different philosophies about credit and money lol. Dave speaks very matter of factly, but there is no one size fits all solution to finances. Some folks don’t have the privilege of not using credit like he suggests. That’s where it feels old fashioned at ☺️
@hankherrera4647
3 жыл бұрын
More great gems :)
@JazzyMac
3 жыл бұрын
So glad you’re taking in all this info, Hank!! 😊😊
@hankherrera4647
3 жыл бұрын
By the way and hope you don't mind me asking but hadn't seen this in other vids,videos, if funding multiple credit unions in order to open cc or loans etc, is there a recommendation for how much to direct deposit into your 2nd 3rd or 4th account for best results..thanks again :)
@JazzyMac
3 жыл бұрын
@@hankherrera4647 hey! I’m not sure what you mean by funding credit unions? Do you mean funding the secured credit card accounts? If so, I’d only do just 1 credit card. No need to open multiple accounts. You can get good results starting out with 1 and never spending a dime on it. Your deposit amount is your credit limit. So whatever you can afford to deposit at the time. Does that make sense?
@hankherrera4647
3 жыл бұрын
You are so great about connecting with viewers:) so having multiple credit union checking and savings. For example, I have Navy Fed as primary bank then have Unify, Alliant and Penfed. I am wanting to build a relationship with each before jumping in and applying for credit or loans etc..just trying to get an idea of how much each account should receive in direct deposits to be most effective. Really not planning on applying for anything for 8months to a year.
@JazzyMac
3 жыл бұрын
@@hankherrera4647 thank you! 😊 so are you planning to apply for a home loan, business loan or credit card? It makes a difference in this scenario so I need to make sure I know what your goal is. You really should do all your banking with no more than 1-2 places max, for simplicity sake. Your credit score will ultimately determine what type of loan and how much you can get. A good banking relationship is nice to have, but in 2021 it’s more so about the numbers when it comes to getting an approval. My home mortgage is with a company I need ever had a relationship with. Same with my car back when I made payments years ago. So focus on the number, not so much the relationship 😊
@tiktokdaviddondo7529
4 ай бұрын
This is ridiculously helpful
@Ladypeace93
3 жыл бұрын
Hi jazz ! Is it possible to email you about my situation and maybe let me know what’s the best route to boost my credit ?
@JazzyMac
3 жыл бұрын
Hey Keyana! 👋🏽 feel free to drop any questions you have right here! 😊
@Ladypeace93
3 жыл бұрын
@@JazzyMac okay ! So I had an eviction in 2018. I paid it off this year in February. On Experian it says it’s paid, I was always told I have to wait 7 years for it to be removed. Is it possible to get it removed now ?
@JazzyMac
3 жыл бұрын
@@Ladypeace93 anything is possible. Technically, you do have to wait 7 years for it to naturally fall off. However, The good thing is that it’s a $0 balance so usually the company that reported it may not give much pushback during the validation process. If it were me, I’d 100% dispute it and ask for validation and keep my fingers crossed that it doesn’t get validated in time. I probably would do it every 3-6 months to try my luck. It’s up to you, that’s just my take, you still should do your own research and decide what course of action is most comfortable for you! Make sure you check all 3 credit reports and do separate disputes for each if you chose to take action 😊
@Ladypeace93
3 жыл бұрын
@@JazzyMac thank you !
@jessspeaks555
Жыл бұрын
I have a situation that is very unique and I need some advice. It will also make a GREAT video for other people that have went through this situation. It is a LONG story, too much to type. Can you call me or I call you? If so, where can I send you my phone number?
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