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?
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!!
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!
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 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!!
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! 🙏🏾🙏🏾
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
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!
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.
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?
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?
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 😄
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.
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!
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!
@@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. ❤️
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!
@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?
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.
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
@@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.
It should. BUT you need to be ready to make that settlement IN FULL when you call. Plan to have 60% of it. You want to fight for a lower settlement amount still though. You probably won't get it removed with a settlement. That's okay. Settling is still SMART! It will still show you paid the debt and owe a $0 balance on your report.
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!
@@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 😇
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 🥰🎉
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! ❤️🎉🎉🎉❤️❤️
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! ❤️
@@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?!
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! 😊
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.
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
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?!
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 🙌🏾🙌🏾
@@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.
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!
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! ❤️
Jazzy thank you so much for giving the breakdown and being extremely informative. This is great information that I’m sure all of us can use especially in this climate of inflation. You’re a God send and I can’t wait to get started eliminating my debts. I will definitely be updating!
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?
@@carltonfoy4180 hey Carlton! Did you watch the above video yet?! That should give you a good starting plan with identifying which accounts to dispute! 😇
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! ❤️
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'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 💪🏾
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! ❤️❤️💃🏾💃🏾
This was helpful, as I’ve been paying a credit repair company for the past two years, with minimal changes to my credit, and at my wits end. You make so much sense, I’m excited to get started! Thank you!
Hi thank you sis for this information do so do you believe we can do this alone or would a company be a better help? I don't know what to do but I am serious about fixing my credit
Miss Jazzy I appreciate your so much!!! I had a hospital bill from a doctor office I’ve have never been too! I watched your video and went straight to credit karma to do the disputed and not even 20mins after submitting my application I received a email that it had approved and removed from my credit and I also received 73 point to my credit score!!! Thank you Thank you Thank you
This was right on time. I was literally going to start paying my collections debt tomorrow. Most are medical but I definitely will be disputing tomorrow instead. Thank you.
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 ❤️
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! 😊
😩 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
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 💚
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.
Hi, I requested a letter from Portfolio today stating that it will be removed from my credit once it’s paid. I was told they’re not able to send a letter until they received payment. I was able to negotiate with them and would like to make the payment. My question is since they refuse to send the letter what do you recommend?
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!
just pay 10 bucks a month than they will call you and ask if you would like to payoff the whole thing done it 5 times here with hospital bills they will work with you but go low for the payments a money 10 20 30 low low and it always works ty
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!
Hope all is well. Girl, we did it... THANK YOU SO MUCH. I purchased your templates and Yes went from 520 to 607. Just with the first round. Now on to round 2💕💕💕💕
SHONTAEEEEE!!! 🥲😩😩 sissss, I’m so proud of you!!! This was the PERFECT start to my morning 😌😌 omg I’m so excited for you. That’s amazing for just round 1 sis. ❤️ 2022 is YOUR YEAR! This is your winning season!! 💃🏾💃🏾💃🏾
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!
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 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! 😊
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 😀
I was JUST about to call a collection agency to pay off the one collection on my credit report and your video was on my home page. I’ve never searched for content like this before… thank you for the golden information!
Hey sister! Omg please don’t pay ANYTHING unless they agree to delete the account off your credit (Pay for Delete). Otherwise, it’s a waste of money. I’d also ask for a settlement over full payment. If you dispute it and they delete the account, you may still be pursued for the balance but at least it’s be off your credit. So you have 2 options you can take: PFD (settlement) or dispute with bureaus ❤️
@@JazzyMac thank you! So I can just call the collection agency and ask them to mail me a copy of the bill? And then dispute or settle for deletion. I definitely don’t have a paper copy of it…
@@Meow_spspspsp you can totally ask for an itemized bill if you choose to do the settlement route. Tell them you do not agree that you owe, but that you want to see the charges (this will keep the debt from re-aging).
Hi. I want to proudly share how I just purchased your kit. I am beginning on a new journey in my life and one of the first things I am working on is improving/learning/monitoring my credit score. Thank You SO MUCH For Your Knowledgeable Advice. I Will Be Updating You Soon With Any Feedbacks I Receive. THANK YOU.
This warms my heart so much. God knows it does 😭😭 I’m here for any questions you have because I sincerely want to see you win and prosper as God intended you to! I’ll be keeping an eye on you as you navigate this journey. My heart is so full right now you have no clue ❤️
I feel i manifested this video into my life. Was thinking of how i was going to pay down all my collections and a raise my score and boom this video pops up the next day. Am definitely going to try this out
@@OfficialMellyStarz hey Melly!! MANIFESTATIONS are so real and I’m so happy that you put the energy in the right place for the universe to land you here! I’m excited for you and I don’t want you to hesitate to reach out if you have questions 😊 I am manifesting a huge jump in your credit score this year! Let’s manifest it together ✨💫❤️❤️
@@OfficialMellyStarz hey Melly!! MANIFESTATIONS are so real and I’m so happy that you put the energy in the right place for the universe to land you here! I’m excited for you and I don’t want you to hesitate to reach out if you have questions 😊 I am manifesting a huge jump in your credit score this year! Let’s manifest it together? ✨💫❤️❤️
Beautiful queen god brought me to your channel cause I’m trying to buy me a house all of sudden I have this collection on my account! I’m getting my dream house! I’m claiming my new adventure new life my new house and abundance, Thank you
I have paid hundreds of dollars this year trying to pay down my collections but your right. Now I just have a bunch of stuff still on my credit report with a $0 balance but it's still there! Why should we bother trying to do the right thing if they won't play nice too? Thanks so much for these tips!
One way to FORCE them to play nice, is to play bad ass...SUE. Not the cred reporting agency (good luck with that) but the CC or other bad actor. You can do this by "proxy" btw....you just find someone...anyone, this is a little mean, so pick Walmart or BestBuy..someone who deserves it....and sue them, naming the CC as a second party to the suit. This forces Walmart to bring the CCs attorney to the table ...you do this in county civil court, btw...and you have to have the balls to face their "tough guy" attorneys...you can do it. They can glare at you and look mean...but they can't actually slug you. Some have WANTED to slug me...and I've goaded them...but never got one to actually do it. Yet.
@@yaig1134 That’s a little vague homie, that question can branch off into multiple road. I’ve deleted 3 going on four things from my credit report now. I’ve been happy to help anyway I can OG.
Sis!! Remember this: Rejection is God’s protection! There was something that could’ve happened in that house or in that neighborhood that could’ve negatively affected you and your family. So don’t feel bad. Everything happens in perfect timing! It’ll all be worth the wait!!❤️❤️❤️
@@ashlietorrescano448 so freakin excited for you and I’m proud of you for putting in THE WORK!!! ❤️ Let me know when you drop your letters in the mail! 💃🏾
Hey Brittany! 👋🏽 👋🏽 Auditing, huh? I used to want to be an auditor so bad when I worked at a bank!! 😅 paying off is definitely not the key! Has disputing worked for you in the past?
0ne lady that told me to pay off a collection I payed it it had been on my credit for 2 yrs I payed it and it still on my credit till this day and it was over 2 thousand dollars
I was skeptical before I clicked on this video. My credit score was in the low 500's now it is nearly 800. I did this on my own before I watched this video. I can say she is spot on with her advice!!
🥺🥺❤️ thank you for vouching for me!! I always tell folks to do their own research and I’m so proud that you did your own research!! Thank you for giving us your testimony!
@@michaelkelsey7434 I went from the 500s to the mid 600s pretty quickly, maybe a few months. And at that time I didn't know how to boost my credit. I didn't have charge offs but I did have some old late payments and high credit card usage. I started disputing all my late payments and made sure I stayed current on all my future payments. Then I got a loan from my 401k to pay off all my credit cards. Once those credit cards started showing 0 balance my score shot up. I also got 40 plus points from Experian Boost. It really works! That put me at almost 800. Now I really value my credit and put everything I could on auto pay to make sure I don't have any more late payments. Hope that helps!
Hey Alex! I appreciate that so much! Credit shouldn’t be complicated 🤦🏽♀️ but it can be. That’s why I’m here…to uncomplicate things! 😊 let me know how I can help you!
I am so tired of paying these credit repair agencies to keep giving me the run around or doing the absolute minimum....ugh sick of them!!! Thank you Jazzy fir sharing your knowledge and experience. I'm canceling my repair agent TODAY and following your advice and getting your templates. Thank you soo much!!
MUSIC TO MY EARS 🎶❤️💃🏾 to hear you want to do it YOURSELF makes my heart so happy. You got this and you are a strong, intelligent, beautiful woman that can do more for herself than some sleazy credit repair agent! I’m here for any questions you ever have sis ❤️❤️
I also became my Mom’s POA a year ago because she’s mentally incapacitated dude to severe dementia so I also have to keep up with her payments on bills/utilities etc & back in 2020 before the dementia got really bad, she helped my brother buy a brand new 2020 vehicle & for the longest time I was under the impression/belief that she only co-signed for him but just the other day I called them because my brother has been severely LATE with his payments or just not paying at all. He’s single handily DESTROYED my Mom’s credit & she did some damage herself while she was still paying her own bills because with her dementia she was forgetting to pay her bills/utilities & within a very short timeframe our Gas & Electric were shutoff because of just how delinquent she was on her payments. Thankfully we straightened those out & I started doing the leg work to make sure her bills were getting paid on time. She used to have IMMACULATE Credit up in the 800’s but is now down in the 400’s. What can I do to do some MAJOR damage control to get her score back up to where it was? Thanks for your time. LOVE your videos.
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.
Why after watching 10 TH-cam videos this is the only one who is telling the really ☕ tea. I understand this video more and I can follow without all the smoke and screens. JazzyMac thank you sister for explaining this so those of us who are new to this staring over after the pandemic hit me hard all the way back down to the low 5hundreds I'm trying to get back in my feet after I've lost everything
Sissss!! I’m 100% here to help and answer ALL of your questions. We getting to the bag this year! I was in the 400s when I first got out of college. Mama and Daddy didn’t know a THING about credit to teach me. That’s why I’m here to change that for my people’s. We have to lift as we climb sis. I’m here to lift you! What other questions can I help you with? ❤️ did you pull your credit report yet?
Paying collections is only good for applying for a home loan. The underwriter will pull your report history and they mark unpaid collections and charge offs. They will deny you or request for you to pay those collections. Better to pay them off before applying for a home loan.
Hey Maria! I would disagree that paying any collection is worth it because while a $0 balance collection may be accepted by the underwriter, that negative history will still cause you to have a lower credit “score”...which leads to a higher interest rate and more money out of your pocket! 😩 So, it’s always best to get the collection removed/deleted because even a $0 balance collection costs money in the end! 😊
She is talking about having it completely removed and deleted I think. Not just not paying. If it’s deleted and removed due to any reason under the Fair Credit Reporting Act. If it is removed then it doesn’t appear on your credit for a lender to see.
@@mybeautyisclassic thank you for explaining love! You said it perfectly. The goal is having a completely CLEAN slate, to eliminate all those extra hoops you have to jump thru with lenders. Especially in such a competitive housing market! :)
God Bless you for this information! I also did this on a collection I didn't recognize a year ago and it came off immediately when I disputed it. Thank you so much for such explanation because I had no idea! Thank you again!
Like someone said before a lot of books and videos just give you the run around and dance around the subject and don’t really explain what you have to do and why. Literally before, all I understood was that you gotta write a letter and ppl were offering services for 100$-300$ and up. Thank you for this simple explanation that we can understand
Queen!! Thank you so much for your feedback! Some folks say I talk too long in the video and I need to just get to the point 🤦🏽♀️ but it’s clear you appreciated my rambling so I’m honored that you tuned in! 😊 please don’t hesitate to reach out if you have any questions!
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!!!
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 your approach, very genuine. You're speaking calmly, not like a side-shoe barker and there are no undertones of desperation like one would hear from a used car salesman. God bless you, and please God bless me too on this credit repair journey
I’m smiling so hard from your beautiful words!! You ARE ALREADY BLESSED. God didn’t lead you here by accident! What questions do you have? How can we help get you in the 800 club? We’re all in this together sis! If I can do it, you can too (and in half the amount of time!) 🥰🥰
Hey Matt! I know! It’s like the FDCPA is a secret weapon that they don’t tell you about in school. If I’d known this as a teenager/young adult I could’ve saved THOUSANDS 😁
Thank you so much I've had an idea around this concept but it was like bit and pieces and you put them all together now I can finally start the process of clearing up the debt my husband helped incur buy abandoned it along with his family, first was an emotional clean up for me and my babies now we will be back on track for buying a home and becoming our own boss! I may not be able to get the templates right now but let's see what this business degree can pull together, lol. Genuinely thank you so much for the information!💕
You are more than welcome, Queen! I want to see you and your babies WIN! ❤️ I’m here for any questions you have or if I need to help you understand the process.
Thank you so much for your quick reply you give good advice, inspire and make your subscribers feel heard as I see you comment on more then the average which is rare I appreciate that, seems like your passionate in helping others as am I. I will definitely keep you posted on my journey. Again thank you so much for creating such amazing, real and helpful information.
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!
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!
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! ❤️
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!
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 🙂
This video has very good informative content. Also, people need to pay their debts, it's not free money, they also need to not borrow irresponsibly, and when you charge something on a credit card, get it paid down asap, not just the minimum payment. But at the same time, this nations credit system is nonsense, there's been information out there that this new Administration may revamp our credit system, which I'm 100% behind. Also as you stated, never pay a collection anything unless they agree to a "Deletion" letter, not an update, not a settlement. You want it completely off your credit report, not just updated and left there. Keep in mind, just because you remove the debt from your credit, doesn't mean you still don't owe it... These banks, collection agencies etc are going after people left and right, garnishing bank accounts and paychecks... So you still need to get you a side hustle and start paying your debts off
Thanks Todd! All valid points! I encourage folks to pay the original debts and avoid them hitting their credit if they can! I’d love to see a revamp of our current system because it’s not designed to make us economically better. Who knows what will happen with that and student loan forgiveness 😆 I’m challenging Biden to bring his promises into reality as that would help so many Americans gain control of their lives.
@@prettymsdance Let's say you owe 1k on a collection. Start out by offering them $200. If they don't bite at that, wait a bit, call back another day, offer the same, if they don't bite, see what kind of offer they'll give you. So let's say they settle on accepting $500 Tell them you'll do the $500 that day, "If" they'll email you a letter stating that once you pay the $500, they'll provide you with a letter stating the debt is to be deleted from the credit bureaus. Not settled in full, not "Updated" but "Deleted" If they refuse to do this, then don't pay them. Now of course could they garnish your check or bank account? Sure, but usually this works, and if it doesn't and they tell you one day they are about to take you to court, then you best pay the bill even if they don't agree to a deletion letter. This really doesn't work great with major banks etc, because they don't need your money like that, but collection agencies are in the business of collecting money. So this usually works best with charged off debts, debts that the initial creditor charged off as a bad debt, then they sold the debt to a 3rd party collection agency.
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!!
You're the only beautiful female I know that has a calm and positive way of making people feel better about their credit mistakes. Keep up the great work!!! 👍👍👍❤️❤️❤️❤️
Thank you so much Jazzy! Please make more videos on ways to increase credit scores! I can really learn a lot from you! I just subscribed and started watching your videos! 🙏🏻
Thanks for your help 👍? I have experian app on my phone it shows me the derogatory accounts and who bought the accounts but it doesn't show me the full account numbers. How do I get the full account numbers so I can dispute it? Experian also has a little button at the bottom of each account that says dispute. Once you press it ,it says that Experian will dispute the account for you electronically for you and they'll send you the results to you email hmmm🤔 I didn't except. I'll mail it thank you very much 😊. I remember what you said gurl.
I am currently paying 2 collectors and have never checked to see what I owed to the original debt and I will do my research for the state I live in..thanks for your video and your kind heart to share information on this level and using this platform where your voice matters.
I’ve been so sad , stressed and depressed about my credit and your video popped up. Thank you God for assisting me at the right time. Great advice I’ll definitely put this to use. God bless you 🙏🏾
Just be careful with the not paying on your debt. I would at least dispute or act on it somehow because some companies can file a lawsuit, get a judgement against you for nonpayment, then garnish your wages. That is way worse on your credit report and have a longer impact. So not doing anything with a debt might not always be the best option
Totally agree. But I do emphasize paying your debt in the video but the point is to educate ones self and not be misled thinking that paying collections raises your score. Of course, even with removal of accounts we may still be obligated to pay it based on contract terms or state laws. The goal of the video is to inform one of the consumer rights they have when faced with illegal collection fees and ultimately credit errors that can cost thousands to rectify.
I was paying a company to do this for me for a whole year!! and because they wanted to keep the money coming they only disputed one thing every 3-4 months. Thank you for letting me know just how easy this could be to get much better credit scores!! I am going to get this done myself!!
That’s the spirit! You can absolutely do this yourself. Save your hard earned coins because no one cares about your credit the way you do! ❤️❤️ I’m here for any questions you ever have!
Be careful with the collection agency sending the original contract, I did that and they sent it and without my consent charged me $300 (added on the balance) for the paperwork. Ended up going to court and they didn’t have no paperwork, but I did. Judge didn’t care and we had to work to out to where I paid $25 a month w/none of the fees. But if I missed one payment, judge said I would owe it all. The credit system is a joke imo
I paid for credit repair twice with two different people and my score is still the same. Its been stagnant for years.Something told me come to youtube university and you good sis popped up! Thank you for your credible information I am going to purchase your kit on Wednesday when I get paid. I'll be giving an update soon :) I know its going to work I can feel it lol.
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
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?
How can I purchase your ebook. Your feed just thru my utube? Thank U
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?!😭😭😭😭😭
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?
Thank you sooo much for this info. Although I've never handwritten a dispute, I never thought about that and I'm sure others haven't.
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
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!!
Yay! Awesome!
I have them on my credit too. About to send off my dispute letter too! 🤞🏾
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
SAMEEEE
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 ?
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!
As a former 17 year bankster I can tell you this video is very accurate! Good video!
Omg thank youuuuu!!! ❤️❤️
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?
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'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.
My favorite saying, “Just because you say it doesn’t mean I have to pay it.”
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!
They charged me 3 grand for Nothing. I didnt pay it. got dismissed
Insanity!
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” ?
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?
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.
It should. BUT you need to be ready to make that settlement IN FULL when you call. Plan to have 60% of it. You want to fight for a lower settlement amount still though. You probably won't get it removed with a settlement. That's okay. Settling is still SMART! It will still show you paid the debt and owe a $0 balance on your report.
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?
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!!
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? 😊😀💝
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 😊
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! ❤️🤗🤗
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
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 🥺💞
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
@@bionichustla100huh?
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! 🙂🙂
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!
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
Jazzy thank you so much for giving the breakdown and being extremely informative. This is great information that I’m sure all of us can use especially in this climate of inflation. You’re a God send and I can’t wait to get started eliminating my debts. I will definitely be updating!
🥹🥹❤️❤️
What do she say about the FCD law was that the name to write the letter I could understand what she said thank you
@schukerD Any names please
@schukerD I think I heard of them before. Thanks I appreciate it
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.
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 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! ❤️
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'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 💪🏾
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! ❤️❤️💃🏾💃🏾
This was helpful, as I’ve been paying a credit repair company for the past two years, with minimal changes to my credit, and at my wits end. You make so much sense, I’m excited to get started! Thank you!
Omg now you can empower yourself and fix it yourself 😊❤️❤️ you’ve got all the tools now!
Hi thank you sis for this information do so do you believe we can do this alone or would a company be a better help? I don't know what to do but I am serious about fixing my credit
Those companies do exactly what you can do yourselves at a snails pace so in the end you pay them allot of money before your credit is cleared.
Miss Jazzy I appreciate your so much!!! I had a hospital bill from a doctor office I’ve have never been too! I watched your video and went straight to credit karma to do the disputed and not even 20mins after submitting my application I received a email that it had approved and removed from my credit and I also received 73 point to my credit score!!! Thank you Thank you Thank you
Say whatttttt!!! 🎉🎉🎉 look at you standing your ground! I love it sis! Congratulations and beautiful job! ❤️❤️
This was right on time. I was literally going to start paying my collections debt tomorrow. Most are medical but I definitely will be disputing tomorrow instead. Thank you.
Yes! It’s your consumer right! Let me know how it goes! 😊
Me too.
@@epicelegance1 look at the universe looking out for you!!
Medical should be FREE! I moving to Europe and Health care is a big reason
I was going to pay off mine next week with my tax money. Thanks young lady!
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
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?
😩 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 💚
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 🥰😘😘
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
Hi,
I requested a letter from Portfolio today stating that it will be removed from my credit once it’s paid. I was told they’re not able to send a letter until they received payment. I was able to negotiate with them and would like to make the payment. My question is since they refuse to send the letter what do you recommend?
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!
just pay 10 bucks a month than they will call you and ask if you would like to payoff the whole thing done it 5 times here with hospital bills they will work with you but go low for the payments a money 10 20 30 low low and it always works ty
*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! ❤️
Hope all is well.
Girl, we did it... THANK YOU SO MUCH. I purchased your templates and Yes went from 520 to 607. Just with the first round. Now on to round 2💕💕💕💕
SHONTAEEEEE!!! 🥲😩😩 sissss, I’m so proud of you!!! This was the PERFECT start to my morning 😌😌 omg I’m so excited for you. That’s amazing for just round 1 sis. ❤️ 2022 is YOUR YEAR! This is your winning season!! 💃🏾💃🏾💃🏾
How long did it take your score to jump that much? I'm exactly where you were right now!
@@rebecajoffe4831 sameee
Question... did any of the bureaus send you back a response showing that you owed?
@D. S. right? That happened to me
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.
She is right!!! Fdcpa should be your BEST FRIEND for theses debt collectors and TO SEEK REMEDIES!!
Thank you for preaching the truth sis! 💛
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! 😊
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 😀
I was JUST about to call a collection agency to pay off the one collection on my credit report and your video was on my home page. I’ve never searched for content like this before… thank you for the golden information!
Hey sister! Omg please don’t pay ANYTHING unless they agree to delete the account off your credit (Pay for Delete). Otherwise, it’s a waste of money. I’d also ask for a settlement over full payment. If you dispute it and they delete the account, you may still be pursued for the balance but at least it’s be off your credit. So you have 2 options you can take: PFD (settlement) or dispute with bureaus ❤️
@@JazzyMac thank you! So I can just call the collection agency and ask them to mail me a copy of the bill? And then dispute or settle for deletion. I definitely don’t have a paper copy of it…
@@Meow_spspspsp you can totally ask for an itemized bill if you choose to do the settlement route. Tell them you do not agree that you owe, but that you want to see the charges (this will keep the debt from re-aging).
Hi. I want to proudly share how I just purchased your kit. I am beginning on a new journey in my life and one of the first things I am working on is improving/learning/monitoring my credit score. Thank You SO MUCH For Your Knowledgeable Advice. I Will Be Updating You Soon With Any Feedbacks I Receive. THANK YOU.
That touched my heart. I’m so happy for you and your credit journey! Keep me posted! 🤗🤗
Your prices are beyond reasonable. This has been add d to my weeks project. I prayed for this information and God led me to your video. Thank you.
This warms my heart so much. God knows it does 😭😭 I’m here for any questions you have because I sincerely want to see you win and prosper as God intended you to! I’ll be keeping an eye on you as you navigate this journey. My heart is so full right now you have no clue ❤️
I feel i manifested this video into my life. Was thinking of how i was going to pay down all my collections and a raise my score and boom this video pops up the next day. Am definitely going to try this out
@@OfficialMellyStarz hey Melly!! MANIFESTATIONS are so real and I’m so happy that you put the energy in the right place for the universe to land you here! I’m excited for you and I don’t want you to hesitate to reach out if you have questions 😊 I am manifesting a huge jump in your credit score this year! Let’s manifest it together ✨💫❤️❤️
@@OfficialMellyStarz hey Melly!! MANIFESTATIONS are so real and I’m so happy that you put the energy in the right place for the universe to land you here! I’m excited for you and I don’t want you to hesitate to reach out if you have questions 😊 I am manifesting a huge jump in your credit score this year! Let’s manifest it together? ✨💫❤️❤️
@@JazzyMac thank you so much. Going to get working on this today!
Felt like I was talking to a real person. Nodding my head and making eye contact and everything. 🤣 thank you for this!
Omg Hannah! 😂😂 I’m like that when I watch DIY videos and tv shows 🤣 so I get it! ❤️
Beautiful queen god brought me to your channel cause I’m trying to buy me a house all of sudden I have this collection on my account! I’m getting my dream house! I’m claiming my new adventure new life my new house and abundance, Thank you
I am standing in energetic agreement with you!! That new house is coming! 🥰🥰
I have paid hundreds of dollars this year trying to pay down my collections but your right. Now I just have a bunch of stuff still on my credit report with a $0 balance but it's still there! Why should we bother trying to do the right thing if they won't play nice too? Thanks so much for these tips!
Dispute them. If they are at zero, it means the debt no longer applies to you.
where did you find you credit report thanks
@@Monster33336 Hope i'm not too vauge. I got a closed account by capitol one, its closed, is that what you're referring too?
One way to FORCE them to play nice, is to play bad ass...SUE. Not the cred reporting agency (good luck with that) but the CC or other bad actor. You can do this by "proxy" btw....you just find someone...anyone, this is a little mean, so pick Walmart or BestBuy..someone who deserves it....and sue them, naming the CC as a second party to the suit. This forces Walmart to bring the CCs attorney to the table ...you do this in county civil court, btw...and you have to have the balls to face their "tough guy" attorneys...you can do it. They can glare at you and look mean...but they can't actually slug you. Some have WANTED to slug me...and I've goaded them...but never got one to actually do it. Yet.
@@yaig1134 That’s a little vague homie, that question can branch off into multiple road.
I’ve deleted 3 going on four things from my credit report now. I’ve been happy to help anyway I can OG.
We just got rejected for a home loan and your video came up in my recommendations. GIRL YOURE SO FULL OF KNOWLEDGE AND THE PEOPLE THANK YOU HONEY. 🙏
Sis!! Remember this: Rejection is God’s protection! There was something that could’ve happened in that house or in that neighborhood that could’ve negatively affected you and your family. So don’t feel bad. Everything happens in perfect timing! It’ll all be worth the wait!!❤️❤️❤️
@@JazzyMac THANK YOU!!! I just bought your templates and I’m going to work. You’re the best. 🖤
@@ashlietorrescano448 so freakin excited for you and I’m proud of you for putting in THE WORK!!! ❤️ Let me know when you drop your letters in the mail! 💃🏾
💯 accurate! I work at a credit company and we have the license to audit. Everyone think paying off or disputing is the key 🤦🏼♀️
Hey Brittany! 👋🏽 👋🏽 Auditing, huh? I used to want to be an auditor so bad when I worked at a bank!! 😅 paying off is definitely not the key! Has disputing worked for you in the past?
0ne lady that told me to pay off a collection I payed it it had been on my credit for 2 yrs I payed it and it still on my credit till this day and it was over 2 thousand dollars
I hate that 🤦🏽♀️ it makes no sense to me why it remains on your credit after it’s paid.
I was skeptical before I clicked on this video. My credit score was in the low 500's now it is nearly 800. I did this on my own before I watched this video. I can say she is spot on with her advice!!
🥺🥺❤️ thank you for vouching for me!! I always tell folks to do their own research and I’m so proud that you did your own research!! Thank you for giving us your testimony!
How long did it take you to get from a 500 to 800 credit score if you don’t mind me asking?
@@michaelkelsey7434 I went from the 500s to the mid 600s pretty quickly, maybe a few months. And at that time I didn't know how to boost my credit. I didn't have charge offs but I did have some old late payments and high credit card usage. I started disputing all my late payments and made sure I stayed current on all my future payments. Then I got a loan from my 401k to pay off all my credit cards. Once those credit cards started showing 0 balance my score shot up. I also got 40 plus points from Experian Boost. It really works! That put me at almost 800. Now I really value my credit and put everything I could on auto pay to make sure I don't have any more late payments. Hope that helps!
You should be teaching a class sir!!! Thats absolutely amazing!!
I swear this is by far the best explanation out there
Hey Alex! I appreciate that so much! Credit shouldn’t be complicated 🤦🏽♀️ but it can be. That’s why I’m here…to uncomplicate things! 😊 let me know how I can help you!
I am so tired of paying these credit repair agencies to keep giving me the run around or doing the absolute minimum....ugh sick of them!!! Thank you Jazzy fir sharing your knowledge and experience. I'm canceling my repair agent TODAY and following your advice and getting your templates. Thank you soo much!!
MUSIC TO MY EARS 🎶❤️💃🏾 to hear you want to do it YOURSELF makes my heart so happy. You got this and you are a strong, intelligent, beautiful woman that can do more for herself than some sleazy credit repair agent! I’m here for any questions you ever have sis ❤️❤️
@@JazzyMac thank you so much. I will have questions so thanks again for your help.
I also became my Mom’s POA a year ago because she’s mentally incapacitated dude to severe dementia so I also have to keep up with her payments on bills/utilities etc & back in 2020 before the dementia got really bad, she helped my brother buy a brand new 2020 vehicle & for the longest time I was under the impression/belief that she only co-signed for him but just the other day I called them because my brother has been severely LATE with his payments or just not paying at all. He’s single handily DESTROYED my Mom’s credit & she did some damage herself while she was still paying her own bills because with her dementia she was forgetting to pay her bills/utilities & within a very short timeframe our Gas & Electric were shutoff because of just how delinquent she was on her payments. Thankfully we straightened those out & I started doing the leg work to make sure her bills were getting paid on time. She used to have IMMACULATE Credit up in the 800’s but is now down in the 400’s. What can I do to do some MAJOR damage control to get her score back up to where it was? Thanks for your time. LOVE your videos.
Can you simplify this into 1-2 sentences? My ADHD won’t let me process paragraphs lol
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! ❤️🥰
Why after watching 10 TH-cam videos this is the only one who is telling the really ☕ tea. I understand this video more and I can follow without all the smoke and screens. JazzyMac thank you sister for explaining this so those of us who are new to this staring over after the pandemic hit me hard all the way back down to the low 5hundreds I'm trying to get back in my feet after I've lost everything
Sissss!! I’m 100% here to help and answer ALL of your questions. We getting to the bag this year! I was in the 400s when I first got out of college. Mama and Daddy didn’t know a THING about credit to teach me. That’s why I’m here to change that for my people’s. We have to lift as we climb sis. I’m here to lift you! What other questions can I help you with? ❤️ did you pull your credit report yet?
Paying collections is only good for applying for a home loan. The underwriter will pull your report history and they mark unpaid collections and charge offs. They will deny you or request for you to pay those collections. Better to pay them off before applying for a home loan.
Hey Maria! I would disagree that paying any collection is worth it because while a $0 balance collection may be accepted by the underwriter, that negative history will still cause you to have a lower credit “score”...which leads to a higher interest rate and more money out of your pocket! 😩 So, it’s always best to get the collection removed/deleted because even a $0 balance collection costs money in the end! 😊
This is true and the only way the mortgage company approved me.
Only main point was I had to receive paperwork that stated satisfied in full
She is talking about having it completely removed and deleted I think. Not just not paying. If it’s deleted and removed due to any reason under the Fair Credit Reporting Act. If it is removed then it doesn’t appear on your credit for a lender to see.
@@mybeautyisclassic thank you for explaining love! You said it perfectly. The goal is having a completely CLEAN slate, to eliminate all those extra hoops you have to jump thru with lenders. Especially in such a competitive housing market! :)
God Bless you for this information! I also did this on a collection I didn't recognize a year ago and it came off immediately when I disputed it. Thank you so much for such explanation because I had no idea! Thank you again!
You are so welcome!🥰🥰
A truly intelligent woman ! Thank you for the valuable advice. The best video I have seen on repairing credit. ❤️😊
You are so kind! ❤️🥰 I appreciate you, Gigi!!
This advise is the type that would otherwise "cost" a pretty penny. Thanks alot, my wife and I will do this and hope it works.
Omg please keep me posted on you and your wife’s progress! I’m here for any questions y’all may have. Thanks for tuning in! 😊
Like someone said before a lot of books and videos just give you the run around and dance around the subject and don’t really explain what you have to do and why.
Literally before, all I understood was that you gotta write a letter and ppl were offering services for 100$-300$ and up.
Thank you for this simple explanation that we can understand
Queen!! Thank you so much for your feedback! Some folks say I talk too long in the video and I need to just get to the point 🤦🏽♀️ but it’s clear you appreciated my rambling so I’m honored that you tuned in! 😊 please don’t hesitate to reach out if you have any questions!
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 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 your approach, very genuine. You're speaking calmly, not like a side-shoe barker and there are no undertones of desperation like one would hear from a used car salesman. God bless you, and please God bless me too on this credit repair journey
I’m smiling so hard from your beautiful words!! You ARE ALREADY BLESSED. God didn’t lead you here by accident! What questions do you have? How can we help get you in the 800 club? We’re all in this together sis! If I can do it, you can too (and in half the amount of time!) 🥰🥰
I did this three years ago. It works very well. And it’s shocking how many people don’t know about the FDCPA.
Hey Matt! I know! It’s like the FDCPA is a secret weapon that they don’t tell you about in school. If I’d known this as a teenager/young adult I could’ve saved THOUSANDS 😁
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 🥰🥰
Thank you so much I've had an idea around this concept but it was like bit and pieces and you put them all together now I can finally start the process of clearing up the debt my husband helped incur buy abandoned it along with his family, first was an emotional clean up for me and my babies now we will be back on track for buying a home and becoming our own boss! I may not be able to get the templates right now but let's see what this business degree can pull together, lol. Genuinely thank you so much for the information!💕
You are more than welcome, Queen! I want to see you and your babies WIN! ❤️ I’m here for any questions you have or if I need to help you understand the process.
Thank you so much for your quick reply you give good advice, inspire and make your subscribers feel heard as I see you comment on more then the average which is rare I appreciate that, seems like your passionate in helping others as am I. I will definitely keep you posted on my journey. Again thank you so much for creating such amazing, real and helpful information.
Blessings to you and your family
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!
You're an ANGEL. Thank you so much for this not like other people always making long videos that do the opposite. New Subscriber.
Haha! I feel like I ramble on sometimes so I appreciate you watching and subbing! ❤️😊 thank you for your support!!😇
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!
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 wish they would teach children this in school!!! This is very important! Thanks for this
Yes Kaia! If this were taught in schools we’d be so much wealthier! But our kids will be set because we’re learning from our mistakes now 😊
Oh my goodness!! Are you serious right now? This information has been the most helpful in the t2 years I have been alive. Thank you!!!
Great info! Many people need to really know about this good info. Keep em comin'!
Thank you! I got so much more to add! Stay tuned!
@@JazzyMac I'll be looking for it!
Today is my happy day, DARKSPYCYBER BOOSTED my credit within 2 days ✔️🤝
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! ❤️
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 😊
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 🙂
💪🏾 🥰
This video has very good informative content.
Also, people need to pay their debts, it's not free money, they also need to not borrow irresponsibly, and when you charge something on a credit card, get it paid down asap, not just the minimum payment.
But at the same time, this nations credit system is nonsense, there's been information out there that this new Administration may revamp our credit system, which I'm 100% behind.
Also as you stated, never pay a collection anything unless they agree to a "Deletion" letter, not an update, not a settlement.
You want it completely off your credit report, not just updated and left there.
Keep in mind, just because you remove the debt from your credit, doesn't mean you still don't owe it...
These banks, collection agencies etc are going after people left and right, garnishing bank accounts and paychecks...
So you still need to get you a side hustle and start paying your debts off
Thanks Todd! All valid points! I encourage folks to pay the original debts and avoid them hitting their credit if they can!
I’d love to see a revamp of our current system because it’s not designed to make us economically better. Who knows what will happen with that and student loan forgiveness 😆 I’m challenging Biden to bring his promises into reality as that would help so many Americans gain control of their lives.
May you please tell me more about a deletion letter? I would love to do that.
@@prettymsdance Let's say you owe 1k on a collection. Start out by offering them $200. If they don't bite at that, wait a bit, call back another day, offer the same, if they don't bite, see what kind of offer they'll give you.
So let's say they settle on accepting $500
Tell them you'll do the $500 that day, "If" they'll email you a letter stating that once you pay the $500, they'll provide you with a letter stating the debt is to be deleted from the credit bureaus.
Not settled in full, not "Updated" but "Deleted"
If they refuse to do this, then don't pay them.
Now of course could they garnish your check or bank account? Sure, but usually this works, and if it doesn't and they tell you one day they are about to take you to court, then you best pay the bill even if they don't agree to a deletion letter.
This really doesn't work great with major banks etc, because they don't need your money like that, but collection agencies are in the business of collecting money.
So this usually works best with charged off debts, debts that the initial creditor charged off as a bad debt, then they sold the debt to a 3rd party collection agency.
@@prettymsdance hey! Thats what this video is about. Keep watching! :)
@@toddblack8029 Thank you!
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
Great advice!! I appreciate that gem of asking for the original contract.
Yesssss! That’s how you trip them up 😊
You're the only beautiful female I know that has a calm and positive way of making people feel better about their credit mistakes. Keep up the great work!!! 👍👍👍❤️❤️❤️❤️
We all deserve a second chance!! 🥰❤️❤️ thank you!
Thank you so much Jazzy! Please make more videos on ways to increase credit scores! I can really learn a lot from you! I just subscribed and started watching your videos! 🙏🏻
Hey Stephanie! Thank you so much sister! ❤️❤️ I have more videos brewing! 😊
Thanks for your help 👍? I have experian app on my phone it shows me the derogatory accounts and who bought the accounts but it doesn't show me the full account numbers. How do I get the full account numbers so I can dispute it? Experian also has a little button at the bottom of each account that says dispute. Once you press it ,it says that Experian will dispute the account for you electronically for you and they'll send you the results to you email hmmm🤔 I didn't except. I'll mail it thank you very much 😊. I remember what you said gurl.
I am currently paying 2 collectors and have never checked to see what I owed to the original debt and I will do my research for the state I live in..thanks for your video and your kind heart to share information on this level and using this platform where your voice matters.
It’s my pleasure! Please keep me updated!
Will you please do a video on how to write the dispirit letter and what to put in it as well as who do we send it to? The credit bureaus?
I got you boo! I already made one that explains that. Here it is!
th-cam.com/video/aiFZB6IvAds/w-d-xo.html
I’ve been so sad , stressed and depressed about my credit and your video popped up. Thank you God for assisting me at the right time. Great advice I’ll definitely put this to use. God bless you 🙏🏾
🥰❤️❤️🙏🏾🙏🏾
Just be careful with the not paying on your debt. I would at least dispute or act on it somehow because some companies can file a lawsuit, get a judgement against you for nonpayment, then garnish your wages. That is way worse on your credit report and have a longer impact. So not doing anything with a debt might not always be the best option
Totally agree. But I do emphasize paying your debt in the video but the point is to educate ones self and not be misled thinking that paying collections raises your score. Of course, even with removal of accounts we may still be obligated to pay it based on contract terms or state laws. The goal of the video is to inform one of the consumer rights they have when faced with illegal collection fees and ultimately credit errors that can cost thousands to rectify.
And i for one have been garnished many times your so right
I was paying a company to do this for me for a whole year!! and because they wanted to keep the money coming they only disputed one thing every 3-4 months. Thank you for letting me know just how easy this could be to get much better credit scores!! I am going to get this done myself!!
Same thing happened to me smh
That’s the spirit! You can absolutely do this yourself. Save your hard earned coins because no one cares about your credit the way you do! ❤️❤️ I’m here for any questions you ever have!
We all live and learn! It’s ok because now you have the blueprint 😊
Be careful with the collection agency sending the original contract, I did that and they sent it and without my consent charged me $300
(added on the balance) for the paperwork. Ended up going to court and they didn’t have no paperwork, but I did. Judge didn’t care and we had to work to out to where I paid $25 a month w/none of the fees. But if I missed one payment, judge said I would owe it all. The credit system is a joke imo
That is so crazy! Did you have an attorney or consult one before going to court? Did they report this to your credit?
If collections get a judgment you ass out
I paid for credit repair twice with two different people and my score is still the same. Its been stagnant for years.Something told me come to youtube university and you good sis popped up! Thank you for your credible information I am going to purchase your kit on Wednesday when I get paid. I'll be giving an update soon :) I know its going to work I can feel it lol.
Please give an update. Thankyou!
@@Go0ofygoober your welcome I absolutely will
My pleasure!! ❤️❤️❤️🤗🤗
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! ❤️