STRAIT TO THE POINT| How I fixed my CREDIT (Listen Series)

In this video I describe how I took back control of my CREDIT LIFE 5 years ago! Since then, I have been helping family and friends to improve their credit scores from 550 to 790+!

These are tips and tricks I firmly believe everyone can learn from. This is what I have personally done to increase my score from a 626 to a 785! This is not ONLY for people with "messed up" credit, this is for those who have good credit but desire excellent or outstanding credit! It also reveals how I MAINTAIN my score.

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The link to the letter used is: https://ficoforums.myfico.com/t5/Rebu...

Letter referenced in video:

To Whom It May Concern,

This is a Notice of Direct Dispute with you, under the provisions of FCRA
623(a)(8)(D), of the accuracy of information you have posted to my credit
file. On a few separate occasions I have disputed with all three credit
bureaus Equifax, Transunion, and Experian pertaining to a credit card with
First Premier Bank acct# XXX for the date of last activity,
payment history, date opened, and the dispute was/was not returned verified. After
some further investigation on my part, I am also concerned that these accounts
may not belong to me, and/or the reporting to Equifax, Experian and
Transunion may be inaccurate. In compliance with FCRA 623(a)(8)(D), and
enacting regulations published at 74 Fed Reg 31484 (July 1, 2009), this
Notice includes

Identification of the specific information being disputed

Transunion, Experian and Equifax reporting for Acct Number: Acct#: XX

Basis for the dispute:

On Equifax and TransUnion, Acct # XX date opened is XX; however, Experian reports date opened as XX. The Date of
Last Activity for TransUnion reflects XX, Equifax reflects XX and Experian reports reflect XX. The times/days late is not listed
specifically, on Experian; however, Transunion reflects 0/0/0 and Equifax
reflects 1/1/1.

Supporting documentation:

I have included the excerpts of my credit reports showing how these accounts
are reporting.

Under the provisions of FCRA 623(a)(8)(E), you have the duty to review all of
the information in this Notice of Dispute, to complete your investigation, and
report back to me the results of your investigation, within 30-days of my
Notice of Dispute.

In addition, I humbly request that you provide me with complete transaction
and payment history, a copy of any signed contracts or agreements, and total
outstanding balance you believe I owe.

Thank You

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