Are you having trouble getting your collections and charge off accounts
deleted from your credit report well here's a couple reasons why those
items may be coming back verified every time you dispute them let's hop right in
hey Mac tribe welcome back to my channel it's me Jazzy Mac and i'm so excited to be back in
front of you if you are new to my channel please do me a huge favor go ahead and hit that like
button and give that subscribe button a great big hug we have just been crushing 2022 with all of
our credit greatness listen read through my comments and see where people have used
my templates to boost their credit score i saw somebody boosted as much as 121 points and this
is after they only sent one letter so listen this stuff works but you have to show up and you have
to do the work you know that's all that's what it's all about you don't have to pay someone
to do this stuff you can do it yourself so let's hop in and talk about why your disputes are coming
back verified and why they're not being deleted so some of the reasons and these are things
i've already emphasized but one of the biggest reasons why your disputes are not coming back
with the results of deletion is because you're disputing online now i have told you to not
dispute online not because i want to inconvenience your life but because when you dispute online
you have an automatic computer that conducts the investigation for you that does the entire dispute
process you do not want a computer you want a real live person to do your dispute investigation
also when you dispute online you actually waive your right to arbitration you waive your right
to have uh the method of verification provided to you so there is a lot that you basically bar
yourself from when you dispute online so please do not dispute online the second thing is many of
you are typing your letters yes i have the credit templates for you and i know some people prefer
to type them they it is an editable template you can edit it however when you type your letters
the credit bureaus are going to take your letter and send it through a scanner called e oscar e
oscar is going to scan your document and it's not going to conduct an actual investigation
all it's going to do is scan it and it's going to come back verified this is another reason
why you want it to be hand written because when your letters are hand written it is harder for
a computer to read and that forces a human to do that investigation for that dispute and the humans
are already overwhelmed many of them just don't have there aren't enough man hours to conduct
these investigations so that makes it easier and better for you to get your items deleted
your collections and your charge-ups to get those things deleted and removed from your credit report
because they can't do the investigation within 30 days but the computer does it within like 30
seconds so that's why we don't want to give you know we don't want to make it easy on the credit
bureaus so that's why we're going to do it by mail and we're going to also do it hand written
and make sure that you have your delivery confirmation also attached to your letters you
want to get signature confirmation as part of the tracking for your letters when you send that out
and that is that is for your proof that you sent the letters um the third thing is
sending the same exact letter now people you don't want to send just some generic letter
and just basically keep on sending out the same exact letter because that just it doesn't it makes
you kind of look like a frivolous disputer so you want to you know change up some of the wording
you know even some people say like they misspell a couple of words like three or four words in their
dispute letters intentionally i've never had to do that but that's just what some people like to do
just to kind of confuse the computer um to kind of force a human to read it but of course
again don't send the same exact letter you want to change up the wording you want to say things
like i am outraged or you know this is just absolutely positively uncanny i cannot believe
that this is happening like you want to put some type of personality into it don't go all crazy but
you just want to make yourself sound like a real person you don't want to make yourself sound like
a person that just grabbed a letter from google and put in your information and that's what
you're sending them because they know ooh that was lightning sorry they know that you know certain
generic letters can be found and those generic letters are the ones that get auto verified and
so um another reason that your disputes may not be in your favor after the investigation
is um there's something called auto verify and auto verify is basically where you have an
account that is attached to an id number and that id number is attached is attached to an address so
sometimes again when people do these handwritten letters they feed it through the machine the
machine says oh let me look at this address and scan it oh this address matches this id number
which matches this account number auto verified and so instantly it comes back verified and then
you get the results in the mail that says hey we conducted a verification or we conducted you
know an investigation and it came back verified so that is why uh many people like to delete
old addresses now i would not delete anything within the last two or three years because
you do want to have some sort of address history especially for identity uh verification purposes
if you're you know especially in the process of trying to purchase a home you want to keep like
you know some years of address on file you know at least three years some people like five years but
if you have addresses from 20 years ago that you no longer stay at or 10 years ago that you're no
longer occupying those things are going to be you know connected to um different derogatory accounts
that you have so we always want to make it as hard for the credit bureaus to verify anything
we want to make it hard on them we want to make sure they do some actual work we don't want them
auto verifying anything and just messing up our groove and messing up our plans anything that
you're trying to do that relates to credit we want them to do work so i hope you found this helpful
again if anyone needs the credit templates they are down below in the description box
and until next time i hope you stay safe and stay beautiful i will see you in the next video bye