STOP PAYING COLLECTIONS & CHARGE OFFS | CREDIT BOOST BUREAU DISPUTE |
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- เผยแพร่เมื่อ 9 ม.ค. 2021
- 👩🏽💼[GET MY CREDIT DISPUTE TEMPLATES HERE:]
www.paybump.com/creditclapback
Always consult a financial advisor or attorney for the most accurate information that pertains to your credit situation! Always pay your debts BEFORE they hit your credit. Individual results will vary, based on differences in credit reports, contract terms, state laws and statute of limitations. I make no guarantees that this method will work for you. Trust but verify and do your homework!
www.experian.com/blogs/ask-ex...
FIRST: pull your credit report & identify what is lowering your score.
Navigate to Experian or PrivacyGuard.com (they have free trials) and pull your 3 reports + Scores! AnnualCreditReport.com has reports but DOES NOT display scores.
💢 IDENTIFY WHAT’S LOWERING YOUR SCORE
-1. You don’t have ENOUGH credit established.
-2. You have late payments on your report.
-3. You have accounts in COLLECTIONS
-4. Your accounts are closed to being maxed out
-5. You have a public record such as a bankruptcy or foreclosure.
HOW TO FIX LATE PAYMENTS:
-CALL the creditor and negotiate the terms of the debt and ask if they can adjust your account status back to current/paid.
-EXPLAIN you are having a tough time and ask if they can remove the late payment as a COURTESY.
-IDENTIFY any inaccuracies and dispute it.
HOW TO FIX ACCOUNTS THAT ARE IN COLLECTIONS:
-DISPUTE, DISPUTE, DISPUTE any errors or inaccuracies (name, account opened date, account amount, etc) Should you pay a debt collector in order to repair your credit report or is there a better way to go about collections
-Ask the lender to VALIDATE the debt
-ASK FOR “PAY FOR DELETION”* while I don’t recommend this method, here is how it can be used: Get a letter from the collection agency that states they will DELETE the negative account from your Credit Report, upon receipt of payment. If the account balance is already “$0.00” but the status of the negative collection is still on your report, dispute the debt anyway with the credit bureaus.
-If (Equifax, Experian and/or TransUnion) cannot prove the debt, it’ll get removed*
FIX MAXED OUT ACCOUNTS ON YOUR CREDIT REPORT:
1. Pay down OR PAY OFF your credit cards, loans or any revolving accounts,
2. Ask for the credit card company to raise your credit limit-(DO NOT USE MORE CREDIT; BE RESPONSIBLE).
I raised my credit score over 300+ points and I didn't have to pay anyone! The most common misconception of improving one's credit score is that if you pay your collections accounts reported on your credit report, this will help your credit score. WRONG! I will explain why disputing collections accounts from your credit report is the BEST method to raise your score! Disclaimer: I am not a financial advisor. This is strictly for informational purposes and does not replace the advice from a financial advisor, credit bureaus agent or attorney.
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#CreditScore #CollectionsandCharge #LifeWithJazzyMac
STOP PAYING COLLECTIONS & CHARGE OFFS | CREDIT BOOST BUREAU DISPUTE | Life With Jazzy Mac
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Grab the credit kit! 🤩 www.paybump.com/creditclapback
Do you help to clean up credit. Thank you
What you think about debt consolidation companies that help negotiate your debt and you pay a monthly payment and they distribute the money to the companies you owe for less than what you owe?
Hey J, I'm not a member but would like to be
Is this a one time purchase for unlimited access to the kit?
One thing I wanted to add is, when you send in a written (typed) dispute letter, please be sure NOT to physically sign your name. Instead, just type your name at the bottom of the letter. Some people will type their name and also sign their name in ink. DO NOT SIGN YOUR NAME IN INK! By signing your “signature” in ink to a dispute letter, gives the credit bureaus another way of validating the debt - your signature! The credit bureau’s will contact the creditor to obtain a copy of the original contract (if it’s available). Once or if it’s obtained, they will compare the signature on the contract to the hand written signature on your dispute letter. More than likely the signatures will be match and the credit bureau’s will deem your account “VALID”! So, the moral of the story is, only type your signature at the bottom of your dispute letters, no ink allowed! Hope this helps!!
This is all so true!!!! 💛💛
Is this true with handwritten letters as well?!😭😭😭😭😭
@@sodope3056 reread what she wrote and answer your own question babe
Thanks for that great information
But what if we wrote the letter and then signed it by printing our name at the bottom instead of using a script/cursive signature?
I cried while watching this video because of how easy I was able to understand so much about credit in a short period of time. You are blessed and deserved to be blessed to infinity!! Thank you😭😭😭😭😭
🥹🥹🥹 I sincerely appreciate those words 🥰🥰
I know this video is over a year old but it’s what gave me the information to MAIL a letter to my debt collector who had since given my debt to a 4th party. I asked them to do exactly what she said, to mail me back my original contract and in the next 30 days. I was fully expecting them to mail it to me. I received an email this week from the original debt collection company saying they had “recalled” my debt and have terminated collection efforts and request the credit bureaus DELETE OUR TRADELINE! I am honestly stunned. This shit never happens for me I’m telling you. If anyone is curious, the debt was with Jefferson Capitol Systems who then gave it to Unifin (who when I called immediately tried getting me to settle over the phone and when I asked questions the woman got so irritated with me and eventually she HUNG UP ON ME) Thank you again for your golden information, you are an American treasure. ❤❤❤
🥳🥳🥳🥳🥳 beautiful job sister!!!!! I’m doing a happy dance for you!! The only thing I’ll say to this is you should EXPECT more great things to happen for you. Don’t be stunned. You deserve these things. You’re worthy of many more blessings! ❤️🥰❤️ thanks for the update!!
UPDATE: Credit score went up 121 points using your credit boosting templates! Thank you!! ❤️
ANGELICAAAA!! 😢😢🥰 121 points?!?! I’m am literally screaming for you right now!! I’m so freakin proud of you for believing in yourself and doing the WORK!! Thank you for allowing me to guide you! ❤️❤️ so so so proud of you!
Omg how does it feel?! 😀
@@JazzyMac I was extremely happy jumping up and down. 😂❤️ thank you so much!! ☺️
@@angelicaraymo7664 yasss!! It’s my absolute pleasure! Please continue to keep me updated on your score increases. Time to set some goals now 😎
That's awesome! Congratulations!! Where do I find the templates ?
Well, you "collected" a like from me. No dispute necessary 😉
Omg I’m so tickled!! 🤣🥰 thank you so much for liking and subscribing. Y’all are truly the best! 😊
😂👍🏾
@@whatistishaupto 😆
I like what you did there
@@nakirahsykes9717 🥰😘😘
My favorite saying, “Just because you say it doesn’t mean I have to pay it.”
i was upset about my credit when I started your video, but listening to you talk made me super CALM! Thank you for your credit wisdom and your soothing voice.
Awww 🥰 You are so welcome!
I managed a collection agency and I’d like to offer suggestions and some corrections. 1. Collection agencies don’t always buy debt. The trend for many decades has been to accept debt for a percentage of collections. For example, if they collect they get paid, if they don’t well they don’t. 2. Disputing doesn’t always work, even if you have legitimate claims. It can take multiple disputes sometimes which is unfortunate. 3. IF you are unsuccessful getting an item removed and you seek to pay it off I recommend two things. First, contact the collection agency and negotiate a settlement. ALWAYS get the settlement offer in writing. Most agencies will say they will report it as a “Paid Collections” item. DO NOT accept that. It’s the same as paying the original amount and will stay on your credit. Get the agreement in writing that the agency will REMOVE it completely from your report. Next, send a physical check and DO NOT pay online. Write your account number and “Paid in FULL” on the memo line. If a collection agency accepts it then they are agreeing to those terms. Which leads me to my next suggestion. You can write that in the memo as a settlement offer without speaking to them or negotiating the offer and if the agency accepts it that’s done. For example, if you owe $1000 and you send a check for $150 as a settlement offer and you write the above in the memo section and the agency cashes it, that’s acceptance of your offer. If you do either I recommend sending any correspondence by certified mail which provides you proof of receipt, I also strongly suggest reiterating any settlement offers with a letter stating your offer or agreed upon settlement. Take pictures of the letter and check as well as the certified mail receipt because many issues arise from “he said, she said” and unless you have irrefutable proof you likely won’t have a leg to stand on. 4. Lastly, if you can’t pay it in full, negotiate a settlement, work out payments that are short term, etc. it is best NOT to pay the debt. The reason is that the time clock starts ticking with the last payment you make not the original date of the debt. For example, you owe $1000 and can’t afford to pay it within a year or two and you make a payment, the date of the last payment starts the seven year clock over so instead of the original date which might have been a year or two earlier means that it could be on your credit far longer than seven years. I hope this information was helpful. Best of luck!
I wish I could heart this 1,000 times!!! Thank you SO MUCH for your honesty and clarity. I truly wish what you said was common knowledge, but it isn’t unfortunately, which is why people “try to do the right thing” and pay collections and then get a rude awakening when their credit scores aren’t increasing. Thank you for helping the community👏🏾❤️❤️
Hi James! You’re so kind to explain all this. Would you mind clarifying a couple things? If you send a check with an amount that says “paid in full” without speaking to them and negotiating a settlement - And they cash it - that is considered accepting your terms of agreement? What if they refuse to remove it from your credit? Would the next step then be to send a certified letter stating that the check was marked paid in full and they accepted the terms therefore you are requesting the removal from your credit report? Thank you again!
@@brandywest2471 That’s a very good question 🤔
All collection agency buy debt even the one you worked for ,pay attention to the wording she used sometimes they buy debt .
Best advice, you can’t not pay all of your collections especially if their government ones so not paying them doesn’t make sense in most situations
Free game. Thank you for this information. There are so many “Credit Repair Specialists” out here charging people an arm and a leg for what you just gave the masses for free. Thank you.
Thank you so much, Rachel!! 😇 I’m here to pass on what I’ve learned so others don’t have to struggle like I did because my parents never taught me about credit! I’m just trying to save a couple folks 😄
This!!!!
@@Michelllelabellle it’s all for youuuu!! 😊💃🏾
@@JazzyMac is it possible to work with you to fix credit or is it the templates you provide ?
@@shoppingbagtiffy I just provide the templates! 😊
I purchased her ebook and was able to raise my score 96 points. My score has since went up 20 more points. I’m headed to the 800’s very soon. Thanks for the real-time information Jazzy Mac❤️
WAIT A MINUTE!! Stop the freaking presses! 🙌🏾🤩🤩🤩 96 points?! I literally just jumped up out of my seat! 🍾💃🏾💃🏾 this is the best news I’ve received this week! Thank you so much for giving your testimonial but even more so for just DOING THE WORK! Sis, you’ve lifted my spirits tremendously 😘🥰 how does it feel?! You’re entering the 800 club in like 0.00025 seconds 🤣
@@JazzyMac Hi Jazzy, can you please do a video on the steps to take to resolve a collection/charge off after missing the 30-day window to verify the debt?
@@LoveKJ222 hey KJ! I actually just made a video explaining those steps! th-cam.com/video/H8slTx6giw0/w-d-xo.html
@@JazzyMac where do i go to purchase your ebook !
So first off great content! But I got two questions.
1. Can the letter method be applied to remove accounts that’s been paid off that have a zero balance?
2. My wife has collection that says the company is taking her to court if she doesn’t pay. We did receive some court summons documentation and she is now on a payment plan. Can we still utilize the letter method to stop the payments and remove the account?
I took my son to the ER for severe pain in his ear. After 3 hours the doc finally came in and said "we don't do ears here." Upon discharge from the ER paperwork showed nothing done no medication given no referral given
The following day took him to urgent care. They daw him right away fixed the problem and charged $125. Next thing I know I get a bill from hospital for $1700. I wrote letter and disputed it. Never paid the bill. Then a collection agency got involved. I sent COPIES of the original ER discharge papers showing no help from hispital and sent COPY of paperwork from Urgent Care. Collection agency never bothered me again.
Good for you!!! I’m so glad you didn’t let them scam you out of your hard earned money! $1700 for NOT fixing the issue is just highway robbery. So proud of you for asking for validation!
You’re the GOAT for this one!
Well, I was taught financial literacy in high school. Unfortunately, a few accounts held me back due to a roommate situation. Living in the same state you know how to navigate your needs even with not so perfect credit. Now that I am moving upward in life, I definitely took the route of paying things off. But you are absolutely right that we have a legal right as consumers to dispute accounts based on certain grounds. And baby! I literally saved $3500 and my credit score is back at a 700.
Please, please please everyone! Do your research and put in the work. You should not be held back by being financially uneducated in your early adult years. Especially when you were trying to correct it now.
Happy Happy New Year to everyone and I hope all MY people 😉 have a prosperous year and teach our babies how to be financially responsible so they don’t go through what we did.❤
Hey Queen!!! Thank you for your kind words and tips. I pray 2024 is your best year yet and that you prosper in every single thing you set your heart upon! ❤️🎉🎉🎉❤️❤️
That’s amazing
This is wonderful to read, congrats on your score 😊
I've never seen someone on youtube give such credible realistic advice. I can vouch for everything she's saying. I did my own research/investigation and this was my exact conclusion. I did it and my score went from 485 to 781.... and counting! Wish I had seen this sooner🤣
BRITTANYYY!!! You went from a what to a what?!?! Girl! Y’all are making a sista so excited with all this talk of increases credit scores!! 💃🏾💃🏾 I’m so dang proud of you, that PHENOMENAL! So what do we need to speak into existence next sis? New house, promotion at work? What I need to pray with you on? ❤️😀
What she is saying is so true. And also on your credit cards only use 30% of your limit and pay your credit card before your monthly statement because myself doing just that boosted my credit score up 68 points now my credit score is a 795 my sister did the same thing and now she's a 826.
@@olympiabess6692 hey Olympia! Did I hear that you’re just 5 points away from the 800 club?! I’m so happy for you! 💃🏾 thank you for giving a real life testimony. Some folks still tell me idk what I’m talking about 🤦🏽♀️ but confirmation from folks like you let me know that I’m not just wasting my breath with these videos 😊
@@JazzyMac keep up the good work because some of us out here are listening and doing the work, because it feel good to be able to go to any Bank get approved for my next real estate property or my next 2021 vehicle I already Drive the Porsche Panamera 4 and interest rates are next to nothing. And because I love my life on this side of this good knowledge.
yeah she is good.
A lot of black women are highly experienced in managing the income of their household and have built up knowledge that would be so beneficial for people to know, so I love that you made this video!
That is so kind of you to say!! Black women have definitely keep the finances together for ages. It’s my pleasure to share this info with you ❤️❤️❤️
It’s not just black women lol it’s anyone who has a lower income.
@@Pearlspink4 you sound stupid. But your comments still help this strong black Roman rank high in the algorithm. So keep hiding behind your keyboard and secretly helping me. ❤️
@@randomcuriosities8441 it makes it harder for the scanner to read.
@@chicagomike where exactly did you read “only black women” ?
Jazzy, you are a BEAST with the information as well as the explanation. Thank you for what you do and again I am glad I found YOUR channel. All these "suggested" channels are aggravating.
I love the wording about requesting to see the original agreement. I did not even think of that!
🥰🥰
*Grabs note pad, pen, and drags chair to the front of of the classroom for this lesson*
Taneshia, I just HOLLERED!! 🤣😂🤣 I’m so tickled but I’m so grateful for you just watching and learning something. I swear, that’s my only goal, to pay it forward what others taught me!! Keep me posted on that credit journey sis!! Seriously! I’ll be checking in with you cuz I know you’re about to mail those letters off this week! 😊
@@JazzyMac I'll be referring your video to friends and family often. Thank you for sharing such valuable information. I'll definitely be preparing my letters to be sent out expeditiously. 😂
@@TaneshiaNicole why did I think about TI & also Lean on Me when you said “expeditiously” 😂😂 but seriously sis, I’m soooo grateful for you sharing my content and helping educate others. It really means the world to me! ❤️ lmk when you get those letters sent off! I’m so excited for you. This is your winning season! Claim it!
@deartaneshia shhh🤫 stop ✋🏽 talking about me please; girl you all in my business.🤭🤗
@@bludia29 y’all tickle me so much!! 🤣🤣 I swear y’all make my entire day! ❤️
God sent you down my timeline. Exactly what I was planning on doing and I’ve would’ve been pissed. Thank you
Yasss! God gives us confirmation right when we need it! 😊😇
Mines Too 🙏❤️
YES!!!!! Mine too! God Bless her!!!❤❤❤
Me too this video came out of nowhere... lemme find out I was about call and ask for my money back. TY Jazzy Bae!!
@@JoyChosen you’re so welcome babe!!
Love you, Jazzy. Your video are always on time. Thanks for the honesty.
I appreciate you! 🤗❤️
God Bless you for this information! I also did this on a collection I didn't recognize a year ago and it came off immediately when I disputed it. Thank you so much for such explanation because I had no idea! Thank you again!
You are so welcome!🥰🥰
You know I was just praying in the bathroom , it’s like 4 in the morning where I am at. Saying to God , “ lord help me with this debt I owe “ let you will be done” “not my own” 20 mins later I lay down in my bed and boom! your video pops up on my suggestion videos. What a blessing , it only you O God! Thank you for all this valuable information I will put to good use🙏🏾
Look at God!! He will re-direct our steps and place us PERFECTLY in front of the right people & circumstances to receive His blessings! All we have to do is submit to His will and allow Him to take control. I’m so overjoyed to here this from you! When will you be sending your letters off?! I want to stand in agreement with you that your situation will change favorably for YOU! 🙏🏾🙏🏾
God is so good!!! 💕🙌🏻
This video is such a blessing to me too! I got pregnant and fell into credit card debt because I left my job after I got pregnant and I’ve been trying to get these collections off of my report so my husband and I could find a home, Good Lord Willing
Finally the TH-cam algorithm suggested a video I didn’t even know I needed! You have such a lovely delivery style! I am here for it! You’ve given great info and I’m forwarding this to my daughter and will show my husband so we can get our ducks in a row to buy a home! Thank you soo much for sharing this info sis! 🥰 You’ve earned a new subscriber!
Queen!! You dont know how much that means to me! I sooo appreciate you! And I need you to keep me posted on this house journey. I am happy to answer those questions to because I just bought my first home in June and im trying to see ALL my peoples in a new home! Im standing in agreement and speaking this into existence for you and your family. How many bedrooms and baths you gonna have? We are going to CLAIM IT NOW! ❤️
I want to buy a home?!!!🙏💕 Please can you help me too?🙏💕
@@nancystark6693 hey Nancy! How exciting! 🤗 have you pulled your credit yet? The first step is always knowing what’s on your report. Most lenders want you to have between a 580-620 credit score to qualify for an FHA loan! You can get any lender, at any bank to do this for you or you can go to Experian.com and pull your 3 credit reports. If your scores are in the 620 range they will help you learn more about the Pre-Approval process that tells you how much they will loan you, how much down payment you need, and whatever grants you may qualify for! Does that help?!
@@JazzyMac Thank you so much💕🙏😷🎊
@@nancystark6693 you’re so welcome! I’m rooting for you! ❤️🤗🤗
this video is incredibly helpful! Thank you so much, Jazzy Mac! 🙏🏼 And thank you to everyone for your helpful comments below. Y'all are the best 🙌🏼🙏🏼❤
❤️❤️
Thank you, Jazzy. Trying to start researching and learning to begin figuring things out
Give yourself grace! This wasn’t taught to us in school. It’s a marathon not a sprint, but it’ll all come together for you 💛
Thank you for actually caring about others & not being selfish with all your information, tips & tricks for FREE! You have my attention. New Subbie 😉
Hey Zette! It’s my pleasure to share this info with you!
Talk about it! I'm here too
I agree! I subscribed and I can’t wait to learn. Taking action now
Sameee!
@@JazzyMac hi jazzy thanks for the info could send the templates pls
You made this 1000000000% more simple and digestible than the many videos I’ve binge watched on credit. I didn’t have family that could guide me thru the world of finance so I’m learning the hard way at 22 but you just gave me the courage to educate myself and tackle this. Thank you 🙏
Jade!! This makes me soooo happy to hear❤️ my mom and dad knew 0 about credit so I learned the hard way. And that’s ok for us, sis! 22 is an amazing age and time to get yourself educated. I’m so proud of you for even having the desire to seek the knowledge of finances. I’ll be checking in with you 🥰 lmk if you have any questions, I’m happy to help!
Same! But sadly at 33.
@@MoonlightSonata88 that’s totally ok! 33 is still very young 😊 give yourself some grace. This wasn’t taught in school or at home for many of us. We all have to move at our own pace as we learn and grow. ❤️ you got this. Now go educate someone else on what you just learned 😇
That’s crazy I keep saying “ that’s a game changer “ been saying it the last month weird lol but it brought me to your video TY!
Hey! Would I be able to do this if my debt is mainly a car note?
I'm glad that someone who knows what they are talking about put this info out there. I learned the hard way when I paid off collections that it was a waste.
Yasss sis!! This is the stuff those sleazy companies don’t want us to know about!
Hi Jazzy, Thank you so much for this I will be purchasing the letters you came on time because my husband and I were about to pay a credit company to fix our credit. When all I need to do is stop being lazy and do it myself. Thanks for offering the tools to do so because the main reason on paying someone else to do it I because I had no idea what to do. Your step by step guide will be heaven sent. I will keep you posted on my credit journey ❤❤❤ I’m a year to late but baby I saw this right on time ❤️❤️🎉
You are right on time Queen! So glad you landed here and can’t wait for you and your hubby to have a total credit transformation! ❤️❤️
Literally thank you so much! I’ve been so lost and never had a parent or other adult to guide me, and I appreciate this with my whole heart.💕 You are lovely, and never stop creating content.
Omg thank you for such kind words 🥰🥰 my parents never taught me about this stuff either. We have to help lift each other 😇😇
This is definitely me 🥺💞
Plain, simple and 100% accurate! Its amazing the difference in each credit report once you deep dive into them. These company’s work off scare tactics and 99% of the time don’t have the paperwork to back up their claims! I’ve helped people that have had collections on their reports for 10+ years. Nothing will happen unless you roll up your sleeves, get informed and challenge these company’s! Great work and thanks for helping people stay informed!
Somebody gets it!! I wish I could heart this 100 times! 💃🏾💃🏾❤️❤️
@Angela Ragsdale Will that work though? I would think maybe for them refusing to validate and giving you two different dates. Is there any legal information out there for this scenario or your situation?
@Angela Ragsdale love this so much!!! Stand up for yourself and hold these sleazy companies accountable for consumer abuse!!!
ALSO what I found when I started "going after" THEM...they show up to court with basically nothing but a lawyer...hoping that will scare you. Sadly, they are probably right about that 90% of the time...People forget that our courts are designed to be FOR the People...not for the attorneys...and of course attorneys HATE when you figure that out.
@Angela Ragsdale Wow, congrats! Serves them right, what type of lawyer did you use?
Hey Jazzy I just stumbled across this video and I am so glad that I did. This video was very complex yet informative at the same time.
I appreciate that! I’m truly happy you landed here! 🥰❤️
Thank you for helping us, Girl. Your videos are a blessing.
It’s my pleasure Queen! 😀🥰🥰
This is legitimately the BEST and most unique advice I’ve ever gotten about increasing credit and I’ve researched this topic for years. It’s amazing that you’re giving this information out for free because it’s truly so valuable. Thank you so much!
Thank you doll! ❤️❤️ I literally ruined my credit at 18 and was so handicapped by it! So I vowed to share that knowledge and not let those sneaky scammers take advantage of us consumers any longer! 😊
@@JazzyMac you’re the best!! I’m subbed for life and also just ordered your ebooks ☺️❤️Thank you for the outstanding advice! I also destroyed my credit when I was younger and am slowly inching my way back up, but these tactics will definitely help speed up the process 🥰🎉
@@Peanut_taco_muffin yassss! ❤️❤️😘😘
@@JazzyMac thank you so much! Im currently living in a hotel because of my credit. Its hard finding a place with bad credit
@@Peanut_taco_muffin hey Queen! Just checking on you! Have we sent our letters off? 😊😀💝
I’m am very honored and grateful for this video. I myself have met challenges of fixing my credit. I will never pay the $600-$1200 they are charging to clean up my credit when it costs me nothing! Thank you and I appreciate you sharing this information. Stay blessed.
You’re so welcome, Angela! I’m so proud of you for recognizing your own strength and ability. Please keep me posted on your credit improvement journey! 😊
I did that shit one time and the credit never got fixed
😩 I’m so happy I’ve came across your account I did some irresponsible things at 21 and I’m literally paying for it but this video is about to help me in so many ways thank you for your knowledge and your own personal experience
Give yourself grace! We all did things at 21, but it taught us life long lessons and you still have time to enjoy the correction! 🥰❤️❤️
Omg same here. 18-22 I had some ppl take advantage of me and use my credit irresponsibility so now I'm paying for it. I'm 27 and now just getting the courage to fix it. But I'm seeing that it's possible!! I wish u luck girl 💚
Girl, thank you! This video came up right on time. Bless you. 🙏🏾
You are so welcome!! 🤗
Well you have my subscription. As a 20 something this was the info I needed. There are so many people that just explain what credit is but not how to fix it! Thank you!
This needs to be taught in school
You are so welcome sis! You’re learning this stuff early in your life and that puts you in such a winning position!! Girl, you are gonna be SET come 30! ❤️
That works for some im goin to court
You talking to me like I wished my mom would've when I made mistakes lollll I've already looked at all your videos within my 8 hr work-shift. I'm on a mission to get these things removed. Thank you so much!
Yasss sis! I wish my mom had taught me about credit too but I’m glad I learned the hard way so I can educate others on how to improve their situation. I got more videos coming and a home buying video dropping tomorrow, so stay tuned. I appreciate you stopping by! ❤️
You are already telling the truth and I've only been listening for a few minutes 🙂. I love the truth sis!! Thank you!
You are so welcome sis! That’s what I’m here for! 💛
Thank you jazzy we meet heroes everywhere you are my new hero God bless you girl
🥹🥹🥹 thank youuuu 🥰🥰❤️
I disputed an account and saved myself about 5.5k. This was years ago but it worked. I like the way you explained it on the video because that is exactly how it works. Welcome to the 800 club.
$5000?! Say what! They tried to getcha but you flipped the script! I love to hear it 😊 I’m so glad you can vouch for my method because of our people knew about this we’d be so much better off for the next generation 🙌🏾🙌🏾
Yea you rt i already teach my 16 yr old about how important credit is to his financial health.
@@Rich-tv9jq you are setting him up on such a successful path!
@@JazzyMac thanks I subscribed to your channel keep the knowkedge coming I will play your videos to him. You touch on some points that I dont. Thanks for doing this.
@@Rich-tv9jq I really appreciate you. That means a lot, thank you! Lmk if you or your son ever have any questions. I’m always happy to help!
I bought your template and sent the CRA’s the letters with that exact HIPPA info included (even though it said send to the collections agency). It has literally only been about 2 weeks and they removed both collections accounts and my score went up by 43 points! Thank you so so much!! 💕
TAYLORRRR WHAT?!?! 😍😍💃🏾💃🏾💃🏾I am screaming in excitement for you! I am so proud of you for taking the initiative. 2 weeks and 43 points later! 😮💨😮💨🎉 this is amazing! How does it feel to have done this all on your own?!
It feels great!! Lol It was like a relief and a weight was lifted off my shoulders!
@@taylormatthews7024 that’s what happens when you BELIEVE in yourself, fam! 🥰🥹🥹🥹
How do I buy ?
@@amia.4444 link is in the description box! 🙂🙂
Omg I am soooo glad I found you and your channel! WOW you are spilling gems
I’m so glad you landed here babe! 🥰🥰
You speak REAL talk. Easy to understand. Perfectly said.
I appreciate you! 🤗🤗
I had a 770 score when I was 20, Now at 36 I have a 535. This was very informative. I am currently trying to come up with a game plan for my credit but just getting overwhelmed.
Hey Gerald! So first, give yourself grace and time. It’s a learning process that we weren’t taught in school! What does your game plan look like? Any questions I can answer for you?
@@JazzyMac Hey I'm always overwhelmed with debt....my score is 570 and I have a few items I wanna delete but dont were start
@@carltonfoy4180 hey Carlton! Did you watch the above video yet?! That should give you a good starting plan with identifying which accounts to dispute! 😇
I'm with you.its like math which I hate .
Omg me too. This is a gem.
I'm a Realtor in Illinois and will be sharing this with my clients. They don't believe me when I tell them that paying off your collections hurts your credit instead of boosting it.
Hey fam!! Thank you for sharing with the community! People pay collections and don’t realize the “stain” is still on their credit report 🤦🏽♀️ so it doesn’t boost your score by just paying them. The boosting part happens when it’s removed 💪🏾
Thank you so much for all your valuable advice! I was about to accept an offer to pay off a debt that doubled in fees. But instead I am going to dispute big time for total deletion off my credit report. Feeling like a boss 🙂
💪🏾 🥰
I came across this video. You are so beautiful and so helpful. I'm completely lost when it comes to how to start! You showed me the light. Many blessings to you. I fell on hard times and Im ready to come back and finally repair my credit to buy my babies their own home, no more rent!!!
Yassss!!! 🎉🎉🎉 let’s secure our future!
I worked for a credit card company and once the phrase “Due to FDCPA Laws” being stated, as the agent for the card company you had to be cautious with the remainder of the call or cease the call and notate the account accordingly.
Also, paper trails with letters are best rather than verbal or sending in disputes online.
And the reason why the disputes are important with collection agencies and why they work is, the agency has to have original contract. Most agencies don’t. They “purchase” the debt in bulk but not the original contracts. Contracts contain your original signature that was between you and the credit card company.
(I can go on for days about this but just a short synopsis as to why the disputes hold more weight under FDCPA).
I wish I could heart this 100 times!!! 💃🏾 you broke that down so well! Thank you for educating us sis ❤️❤️❤️ and paper trails ALWAYS outweigh anything online!
Pleaseeee go on!! We wanna know more. Share with us Queen 😊😩😩😂
@@ShaniFenderson hey Shani. Thanks for sharing. So should i always. State the FDCPA in my letters?
Thank you for this information!
Disputing inaccuracies is a good start but, when the debt is confirmed you're going to need to pay. The collection agency can sue and automatically win if you don't reply to the court. If you do decide to go to court then you'll most likely need a lawyer. I'm stating this from experience. I wasted money on a lawyer. Best option is to pay the one-time settlement amount if you can. It will be the biggest savings.
Hey Paul! Thanks for sharing your experience! I’m in favor of settlements only if they do a deletion. Otherwise, it doesn’t help your credit. 99% of collections will never go to court, but there’s obviously 1% of cases that will due to the amount or account type. The point of this video is to be strategic about paying collections AND NOT paying illegal collection fees. I’ve never been sued and I’ve always challenged my debts. Of course everyone’s situation will vary and state laws are different so outcomes aren’t typical 😀
Thank you so much! I have been paying way to much to a collection agency!
Thank you sooo much! U have been a BLESSING dropping this knowledge! Thank you!
Happy to help!❤️
One thing to keep in mind, asking for validation with LVNV, Midland or Portfolio won't work as they are debt buyers so they will provide everything you ask which at that point settling would be best. Asking for validation with smaller or local collections agencies, this method for the most part does work.
Hey! I hadn’t heard of them before but each agency is different so definitely worth researching. 😊
Shoot. Glad to know this about Midland. They do seem on point.
I have a LVNV n portfolio collection
Thank you for information Jazzy Mac!
You’re so welcome sis!
Saw your article on the internet; figure I’ll drop in and sub!!!
Exceptional advice!!!
Thanks!
Omg how cool!!! 🥰🥰 I didn’t know it was published yet 🥹 I’m so glad you’re here, fam!
I’m 20 about to be 21 in a couple months! This is the things I need to be taught! I’ve never got the sit down about credit unless I asked but even then nothing of what they said compared to what I’m learning from you.. I often get yelled at for not being responsible with money and not having my own place at my age but again I’m only 20 and who wants to be in dept at this age! I’ve never had a credit card or anything because I’m scared. My family just don’t understand I’m waiting to move and get a car until my credit is fixed and damn near in the 700s my score now is 435 so I’ll be back in 2-3 months with an update !!!
Yasssss!! That’s what I want to hear Queen! Don’t let anyone make you feel bad because you’re learning and that’s how that matters! You got this. I’m in your corner! 💛💛 lmk if you have any questions!
Don’t feel discouraged, I’m in the same boat rn. It’s all a matter of time, keep working hard and saving money and make sure you know your own financial because your family will try to act like you don’t know but you do. It’s okay, take ur time. Don’t rush it all out, step by step and you will be there!
I would love to hear how your updates are going and what you have done to get things better on your report
same here i’m 20 about to be 21 and in a similar situation. id love to hear your updates too 🙏🏾
So sorry that your family isn't supportive. Praying for you to succeed. My eldests are soon to be 21 too (twin girls) and our family goal is that every kid leaves home with near perfect credit scores and fully funded accounts for their future. No, Papa Mack and I aren't rich at all (still in the struggle ourselves) but our children are our most important investments. God entrusted us with them and our job is to send them off fully ready to face this world, educated in every way, especially spiritually and financially.
Thank you so much for this video!!! I have been manifesting an increased credit score and then your video popped up as a TH-cam recommendation. Thank you for literally breaking it down and making it easy to understand ❤️
Yassss!! Manifest what you desire! Put it on your vision board and picture yourself with that big beautiful home and wealth! ❤️
Ok
Thank you so much for this. I’ve made hard decisions during COVID and got into debt and this video helped so much!
I’m so glad it helped you!! Lmk how your credit journey goes and if you ever have any questions 🥰🥰
Omg I freaking love you for this video!!! Thank you so much!!!!❤❤❤❤❤
I love you back!!! 🥳❤️❤️🥰🥰🥰
I have never understood credit so much until I watched your video. I was going through the comments and like you I messed my credit up at 18 as well . Will definitely be using the gems you dropped in this video ! ❤️
Music to my ears!! Thank you for stopping by and soaking up some knowledge! I truly want you guys to learn from my mistakes and I can’t wait to hear these testimonials about buying that dream home! ❤️❤️💃🏾💃🏾
Omg! I could hug you right now. Thank you!!
Sending you a virtual hug 🤗 right now!! ❤️🥰 you got this girl. Let’s get these results!
This is pretty much what my late husband taught me too. He always said DON'T PAY IT. I never knew that I thought you still had to pay it once it was sold to a collection agency. I have also had collection accounts closed because I disputed it due to age. This is a great video, know your rights
Yes! Know your rights for sure because these companies have been getting over far too long!
@@JazzyMac I almost want to pay them because I'm stressed tf out!!!! I've done the letters and let me tell you these credit bureau's seem to be fighting me back. I wish it was that easy for me but these don't seem to work. =(
@@dianasmith8578 Once the CC company charges it off, they have basically written it off on their books. This is why they usually sell it. We all have the right to let them "age" off. Meaning that if you lose the dispute and they can prove the debt is yours, it will fall off after 7 yrs. (or whatever the SOL is in your state) If you want to take care of it early ALWAYS negotiate a settlement. This may take multiple phone calls, start with 25%. Some collectors are easier to work with than others. Use Jazzy's tip and dispute first. However NEVER pay full price and try to settle it that day. I know its stressful , but try to be patient, realize that this is just another business transaction.
@jazzymac would this work with any type of credit I got into collections after I turned in one of my cars and now owe $10k to the bank and am being charged from trans world systems for a collection/ charge off.
Ty girl!!!! That was some great info! You rock!!!
You are so welcome, Christine! Thank you for tuning in! 🥰🥰🥰
This information you’re Giving is awesome. You are speaking a language that we as consumers need to all really know. But thank God for people like you that are willing to help us. You got yourself a new Subscriber and I’m forwarding this to my daughter who will also be subscribing no doubt you God bless you and thank you.
I could cry right now! I’m so touched that it was easy for you to understand! I am always hoping and praying my message gets to someone because the system is not fair for us. Thank you soooo much for sharing my content, that’s a blessing to me! I’m here to help you how ever I can so reach out anytime with any questions! ❤️
Oh my gosh! Thank you! I just started paying off $500 on an credit card of mine but I don't have enough money atm to pay my entire debt off (about $2,000 now). And you just reminded me of one time when I tried to disputed an old At&t bill I had no record of. Like I remember having the company for my phones but neither me or my ex husband could remember racking up a $1,000 worth of purchases. When I called trying to dispute it, i got called transfered so many times, and given the run around. Told first to find my old account information and blah blah blah. I'm going to keep going tho and try the mail idea now. Thank you!
Hey! Yes, don’t give in to charges you know you didn’t rack up! If the ATT bill is on your credit as a collection you can definitely dispute it!
Awesome tips! Binge watching your videos now. Thank you so much!!
Thank youuuu 💛💛
I just discovered you! You just may have saved my life, literally! I'm old AF, 51 ~ but you've given me hope (& I was literally about to give up ~ just tired & DONE). I just want to go away, start a new life & actually have FUN like a normal human! Just wanted to thank you so much for the hope (& you're so dang CUTE! 🤗)!
It’s my pleasure!! 🥰🥰🥰
I'm so happy your on top of these things. This is information that ppl normally don't know or do they take the time to put in the work to do.
Hey Queen! I didn’t learn about this until I was an adult and getting denied for things left and right. I want to see you guys win!
I just wanted to pop on and say thank you. Bought your guide and just finished writing my letters. Even if this doesn't help my credit score, I finally feel like I have a place to start and have a plan. I've truly have been working so hard to fix past mistakes, (trust me I've learned many lessons the hard way), but I've been spinning my wheels and it's honestly depressing. So thanks for making all of this easy to understand so folks like me can finally get control of our credit and finances. I appreciate it so very much!!
Omggg Faye!! Thank you for coming back to let me know you’ve written your letters. I’ll be sure to include you in my prayers tonight but I’m also standing in agreement with you that this entire situation will be favorable for you and will catapult you into a better economic situation! ❤️I’m here for ANY questions you have as you get back on track! Keep me posted on your results! 😊
If you had to give general 10 life tips/advices to people. Would would it be?
Hi Jazzy. Thank God for people like you. My hubby and I finally received our bankruptcy discharge papers last year. People told us that our credit score would almost immediately improve afterward and nothing has changed. Do you have any advice on how we can boost our credit scores, now that we have a “new start”?
Hey! Yes! I did a video on how to boost your score th-cam.com/video/lwX_Ruiiubc/w-d-xo.html
Thank you so much. Every other channel gives you the run around and book talk that just outrageous. You have an amazing gift to help folks through your speech. Thank you.
It is my pleasure! Thank YOU for tuning in! ❤️🥰
OMG. Much love to you. I was just getting ready to pay down collections. U are awesome. THANK YOU
Sis, save those coins!!! We gotta get to the bag 👜 and beat them at their own game! Let me know how your credit journey goes and when you send your letters off! 😊
Wow I learned a lot from you today. I was freaking out cause i got behind on a couple of bills . Was losing sleep getting anxiety. Now I feel I may be able to save my Credit thanks to you! I was building my credit and recently got behind on 2 bills.
Yes!! There is always hope!!! 🥰🥰
Girlllll I thank god for you 😅!! I’m so glad I found you !!!
And I’m just as glad that you landed here! 🥰🥰🥰
And I’m just as glad that you landed here! 🥰🥰🥰
Great video I had disputed a lot of collections and had 5 things disputed at one time first round.
Hey Queen! That is MUSIC to my ears to hear you taking control of your credit! It’s gonna save you so much money and headache! Let me know if I can ever help you!!
Hi there new subscriber! Hey ebony what bundle did you purchase to dispute your collections
Just wanted to say that you do a great job with your videos. Very well spoken, easy to listen to, straight to the point. Thank you for sharing your time and knowledge!
It’s my pleasure, Kody! But I want to thank YOU for taking time to listen! It’s my highest honor to empower you with education 😊
I am just beginning my credit repair journey. Thank you for this information.
You can do it! You are so welcome! 🤗
I’m starting my credit repair journey and U are my new answer. Your simple explanations are channel is my new road map!!! Thanks for helping us out with credit repair solutions for those of us who don’t have the knowledge or time to invest in the research. Thanks so much
Its my pleasure Queen!!! Keep me posted on your journey!
You popped up on my feed right when I was about to pay off my collection debt! Thank you for this information!
Hey sis!! I’m so glad the universe directed your steps to me! 😁😁 please let me know how it goes and reach out if you have any questions at all!
Great advice!! I appreciate that gem of asking for the original contract.
Yesssss! That’s how you trip them up 😊
Thank you, sister!
🥰❤️❤️
Thank you, sis!!! I appreciate your help.
You’re so welcome Queen!!!
I was looking up CDL videos and came across this one. I was about to put all my collections together and start paying off but I love this video. I going to do what you said, Thank you ❤️
I’m so glad you caught this video in time sis! 🤣🤣 I have a few more about credit you may find helpful ❤️ please lmk if you ever have any other questions!
Omg thank God for this video! I was just thinking about what I’m gonna do about my credit! Your delivery was just my style, steady pace & detailed in description. I’m definitely subscribing for more knowledge on this topic!! Thanks again!!
Jenniferrrr!! So happy you came to hang out with me! 😃 I’m glad the delivery was good for you (I swear I ramble way too much 😄) I’m here for any questions you ever have! ❤️
I appreciate all this information, thank you!
Will be getting on top of this ASAP. Thanks for the knowledge
😘😘
I wish I had seen this sooner for my other collection account! I currently have one more that has dinged my credit score for a while. Thank you for sharing your knowledge & experience
Don’t sweat it Queen! It’s all a learning process and takes time. The important thing is that you know how to clean it up now! 😊 keep me posted on your journey!
I love you from the bottom of my heart thank you Queen…you really just gave out free game cause I have stuff I’ve settled or paid off and it’s still on my credit report and I know that’s holding my score back also I’m buying your template and about to start sending letters
Omg Dominique 😢😢 thank you so much for your kind words. I’m just happy that you’re ready to get started and take control of your future! 😍 lmk when you send your letters off! Proud of you!
I once disputed a collections on my credit report for being too old and it was removed. So they can’t add it back ? Sweet. !!!!
is there a template for that?
No. I just disputed it thru credit karma. I put the account was too old. And they took it off. That was 2019? But I later payed the debt off But it was not affecting my credit score. It was just a court order to pay it off
Wow this was amazing advice!! Thank you so much!
Thank you for taking the time to explain the process so many people say don't pay but they never give you the info on why you should not. So Thank you again. This was great information.
It’s my pleasure Stephan! I hate when folks tell me to do something but don’t provide the reasoning behind it. So I tried to give y’all as much info as I could. Glad it made sense to you! 😊
Girl you are the first person to Explain it right. Love you 😍 thank you so much so clear and easy way to learn
I love you right back!! ❤️❤️😀 thank you so much for tuning in sis!
Thank you for sharing, hope your Christmas went well.
You are so welcome Queen! It was great! Hope you and your family have the best NEW YEAR EVER!!! 🎉🎉🥰🥰
Girrrrl! I love this! Thank you so much for this information!! Simple and informative, u got straight to the point AND ure a fellow bama girl? AND that shirt is literally everything!? Most def subscribed & cant wait to learn more from your videos! Thank you, love!
I love you so much my Bama sister!!! 💛💛💛 🐘 🦅
Wow the timing of your video popping up is perfect for me! By the way I love the messages on your shirt! I will definitely start using your advice about disputing everything in collections that has anything incorrect on it! I will ask for the original contact! Thx
Thank you Brooke! And let me know if you have any other questions. Always happy to help! ❤️
My wife and I definitely needed to hear this. We've paid of things in the past and asked for proof or payment and deletion but they always have some explanation why they can't send it or change it immediately. Thank you for your tips
Hey fam!! Mannnn listen! These companies are SHADY. Get everything in writing BEFORE you pay because they will flip the script quick. We gotta beat them at their own game. And if they don’t play ball, take it over their head!
Wow thank you so much for sharing this FREE GAME girl!! You broke it down so well and made it easy to understand. Whenever I listen to credit repair agents or just other people in general talk about how credit works or credit repair im like a deer in headlight because idk what in the HECK they are saying lololol BTW i love your top
Omg thank you beautiful! 🥹🥹 I truly appreciate it and please let me know if you ever have questions! I’m happy to help you figure things out! ❤️🥰
Love this series!! This IS your calling ❤❤❤
Thank you!! This is what I love 🥰
I absolutely LOVE this video and the breakdown that you’ve provided that not many of us has had the privilege of learning early on. I’m currently with a low score because of misuse of credit cards. And as hard as I try, I cannot seem to understand credit repair enough to get past this hurdle! You’re super awesome tho!!
😊😘😘
@@JazzyMacHey are you still doing the credit report information?
@@marysalman1286 They helped me clear my debts and also helped fix my credit now i have an 780 credit score! Their services are highly recommended