Thank you so much, I purchased the credit bundle did first two steps remove old address/numbers, then disputed and other tips. Now 60days later credit up 130points 710 score. Feels great to have good credit again approved for my 50,000 business loan now!
HOLDDD UPPP!!! 💃🏾💃🏾💃🏾I gotta do my praise dance 🙌🏾💃🏾👏🏾👏🏾👏🏾 you did WHAT NOW??? 😁😆😩😩😩😩🙌🏾🙌🏾🙌🏾 SISSSS I’m so proud of you I had to get up and shout!!! 🥲 you literally don’t understand how this just gave me a boost of energy!! THIS IS SO AMAZING QUEEN!! 🤩🤩🤩 how does it feel?!!
Heyyy Beautiful - I purchased your template months ago but felled into depression and decided not to move forward working on my credit. But now I’m in a better space and have put in the work. I wrote out my letters and will be sending them off USPS Certified tomorrow morning 🙌🏾. I love you and all that you’re doing to help others.
Omg!! First off, I wanna commend you for straightening your crown 👑❤️❤️❤️ I’m so proud of your for getting back up. We all go thru depression and it’s so brave of you to address it 😘 let me know the outcome of your dispute letters!! Get signature confirmation! I’m here for any questions you have sis!
Letter is stating that I don’t have credit on file and we’re unable to locate one of the reasons and those reasons were: • you have not apply for credit recently • you have not actively use credit in the past 10 years • you have not lived in the United States or have not been issued a US Social Security number
@@pruitt83 hmm strange. And you were disputing collections, right? If they can’t find a profile they’ll probably want you to send in identity documents but what you can do to short cut it is call over the phone and do a verbal verification of your identity through their challenge questions. Once that’s complete, have them continue your investigation and inform them of the date that you mailed your letters! ❤️
I just hand wrote three letters in Blue ink to Experian and Equifax and I ran to the Post office to have them sent off certified mail TODAY after watching this video! Can’t wait to see what happens, been focusing on boosting my credit since last year and def need a mentor now. Thank you!
THIS is what I wanna hear!!! When you all handwrite those letters and drop them in the mail, it makes my entire heart so happy‼️‼️‼️🎉🎉🎉 keep me updated sis! I’m proud of you for taking charge!!!
Hey LaNesha! He will supply ALL of our needs and put us in the path of good company! I am happy you landed here and excited to answer any questions you may have! 😇❤️
I LOVE YOUR CHANNEL!!! Congrats to you and your husband on the pregnancy sis. You don't even know how your videos came at the right time for my husband and I. We are 29 weeks pregnant and need to get into a larger home (rent) and keep being denied for a 590 credit score. Cant get into the 600s so Im going to implement your strategy and hopefully boost my credit enough to start applying again. Can you please please please make a video on what to do if you dont have enough credit history? I think this is whats really killing my score. Thank you! 🥰🥰🥰
Omg congrats to you and hubby, Brittany! Are you registered anywhere?! And if you have shorter history you could ask a family member or friend (with GOOD CREDIT) to add you as an authorized user to their credit card. How old is your oldest credit account? If it’s at least 2 or 3 years old that’s a good enough start!
JAZZY JAZZY JAZZY, I wanted to share my news with you. Girl, im at 708 on my credit scores!!!! Girl lol, im so happy and proud. I worked so hard. Thank you for your methods, they really work!
I can’t even begin to describe how happy I am to have come across your TH-cam channel. Your advice is amazing and in simple terms as you describe why, how, when & what is necessary to clean up credit reports. Thank you! Thank you! Thank you!
Your videos are much more genuine than so many other videos I have watched in a couple of years!!! Nothing was ever as informative as your stuff has been, thanking God for people like you! Thank you so much.
Running across your video was truly confirmation for me. I'm an army veteran and i was reading others comments just like them my credit was damaged after getting out of the military because my lifestyle changed so much. Im soooooo thankful for this wonderful pop up video at 230am lol. but i could seriously use some tips and tools to get my credit together and getting my family into a forever home but first improving my credit. I'm ready to do the work. You're a blessing. new sub and i will be sharing all the video with friends and family.
Hey Queen! Firstly, I want to thank you for sacrificing your time and energy to serve our country. I salute you! 🇺🇸❤️ secondly, I have a video coming out this weekend on home buying and I discuss VA loans as well. I’m so honored that you tuned into my videos! 😊 I’m 100% here as a resource for any credit, finance or mortgage questions you have. Or if you just need someone to pray with you! Thanks so much for sharing the content and don’t ever hesitate to reach out to me! ❤️❤️
Just found your channel and this is the second video I watched. Where have you been all my life!?!? I am definitely going to buy the template and implement the dispute by mail technique to raise me and my husband's scores.
@@JazzyMac I have! Score up 20 points so far which put me in the sweet spot (690s) for mortgage preapproval. Gotta keep working on mine and start work on my husband's credit as well.
@@aprildumas-gray442 April!!! I could come thru this phone right now and high five you! 💃🏾💃🏾 20 points! And you’re gonna save a TON on your interest rates! So excited for you and hubby! Lmk if you need any other advice! 😊 so proud of you!
@@JazzyMac I have this charge off on my credit report for a car lease from 2017. I turned in the car and there were mileage overage fees of over $6,000. I paid them $100 monthly for a year and then they stopped debiting the payments. I ignored it at the time. The balance is $5,200 and it is listed as a charge off since 2018. I had no clue until I pulled my credit this year that it was even on there. I was reading about the statute of limitations and my head starting spinning. Should I just revisit this later? Should I try to settle in exchange for removal? I have no collections on my report and 5 charge-offs, 3 of which I paid in full a long time ago. So there's this car lease which is huge and one other credit card I already started the process for disputing. Also, can I ask the other charge off companies to remove the charge off out of the kindness of their hearts? lbvs I know this is a lot so if you do consulting I am happy to go that route.
So thankful for finding this channel by accident. I sure wished that I found it earlier this year that’s for sure 🙏🏽! Thank you for the informative information in such a chill vibe without all the unnecessary fireworks some folks put on their channels. Straight to the point and again very informative big thanks!
Hey sis!! 😘 I’m so happy that it made sense to you. I tried to keep it simple lol. Sounds like you’re already getting to the bag, but keep me posted on your credit journey. I’m happy to answer any questions you ever have!
Am in tears watching this video right now as I came across it by accident, I owe medical bill and now it is with collections. I have been having sleepless night and TH-cam recommended your video, how can I get out of this huge problem
@@naomiface9613 hey Naomi! Have you reached out to the medical facility and asked about financial aid or asked if they’re willing to waive the medical charges due to financial hardship? That has worked for me in the past!
You are such a Blessing to so many. I just subscribed and I love how beautiful and smart and classy you are. You are an example to so many. I pray God Blesses you 10× for being so genuine and humble with your gift 🙏🥰
Hi!! My husband authorized me on one of his credit cards and I noticed my score when up like 12 points! Now by watching your video it all makes sense! 😮 thank you for these tips 😊
Just came across this vid and immediately ordered your kit, can’t wait to see what results I get! Your video is the only that made sense and didn’t bore me to tears, thanks!
Omg Britney!! 😃 I’m so happy the video was helpful, I swear I ramble way too much so it makes me happy that it was helpful for you! Let me know when you send your letters off!! ❤️❤️
@@JazzyMac hey I have a bit of a dumb question, I’ve started writing my letters already, for account name is that the creditor or the collection agency that now owns the debt?
@@brittneyj87 that’s actually a really good question! 😊 so you want to list the account number as it appears on the credit report, and in most cases the “appropriate” number to list is the collection account number.
@@JazzyMac thanks that was actually my next question since it’s not fully shown, but I meant the account name. It list collection agency as well as original creditor name, I’m unsure which to list as the account name
Mailed all 3 credit bureaus yesterday certified mail of course. Eager to see if it helps. Fingers crossed. We had two late payments show up while on forbearance during COVID-19 and under the cares act that's not ok. Praying they fix it so we can buy a house soon. Sold are house not knowing are credit was horrible and here we are 🤦
@@JazzyMac would I be able to get rid of a closed account from 2016? It’s been paid off but still shows up. Do I just wait it out or can I have it taken off? I can’t seem to find any info elsewhere on this lol. Also, if a collection was disputed and taken off of one credit bureau, could I include that in a dispute letter to another that shows that same collection as unpaid?
@@katietye3673 hey Katie. Can you explain what the closed account is for? Car loan, credit card? Sometimes removing a closed account will lower your score (if it’s NOT listed as a collection item). That’s what I’m trying to understand. And you can try to include the previous dispute results in your dispute letter but it may not help much because all 3 bureaus operate independently of each other and don’t share information.
GM.. I’ve been watching your credit videos all morning. How do I purchase your credit repair bundle and templates? I’m so excited to start repairing my credit do to your videos. Thanks so much
Read your article in Insider and congratulations on your innovative work. I loved your saying you want to talk to others like you were explaining things to your mother. Big Ups to you.
Omggg Ms.Quanda!! I am so delighted that you came here and that you enjoyed the article. It was tough being vulnerable and putting my personal business out there but comments like these make it all worth it! 😊
Hello I came across your channel and I’ve been looking over your videos to fix my credit they are very helpful . Can you tell me how to purchase your letter template
This was very helpful. I find that I’m always Teetering back-and-forth in the high 700s and low 800s and I wanted to know how I can consistently maintain the score in the 800s. I’m sure my student loans don’t help🤦🏾♀️But, I will definitely look into increasing my credit limit.
Hello!! New subscriber! I am here to learn all the tips and tricks to fixing my credit.. I am also a military wife and if you do have any info about how my husband and I can maximize everything the military have to offer, I am all ears! Will love for you to create videos on VA loans etc... everything you mention at the end of this video, I am here for it!!!
Heyyyy Ashlee!! Thank you for subbing 😊❤️ and thank you BOTH for your service (cuz military wives are the support system!)😇 my brother is an Airman and a real estate agent, and used a VA loan for his home recently. what questions do you have?! I can put together a video where he explains how they work!
Hi Jazzy, I just stumbled upon your channel. The information is powerful, and yesterday I purchased your templates. I have good credit history, but in December a Health care provider issued a collection for a worker comp case. For which my company would have gladly covered if they had coded it correctly. Now I’m on the hook for this amount. So I disputed it already (online😒) and it came back verified. Wish I would have saw your videos first. Now I plan to use your template to dispute a second time. I will keep you informed of any progress.
Hey Jazz, i’m just now working on my credit and I stumbled across your videos and I have a question so I got a repossession and they sold it at a auction the amount that’s on my credit is different from the letter that they mailed me from selling it they deduct what they sold it for from with the original payment can I still dispute that or do I give them time to update it?
@@JazzyMac I called them 3 times until one nice lady listen to me. I had a medical bills that was supposed to be paid by my health insurance but never paid it. So when I called she was happy to help me after 3 attempts I received the email today
Heyyyyyy Jazzy Mac I love love love your channel wish I subscribed sooner, the account number have XXXXX is that ok to use in Dispute letter or do I call to get full account number?
@@Harleybostic if one has excellent credit and excellent payment history, yes. But you need to confirm that with the credit card companies and via your credit report scores first.
@@Harleybostic with a 600 credit score I wouldn’t recommend it at this point. The hard pull may lower your score even more. You could talk to your local bank about if it’s beneficial for her to get a secured credit card to rebuild credit.
Omg @Bee Latrice !! These department stores are notorious for offering discounts for you to sign up for a credit card, and people fall right into that trap & hurt their credit scores! I am so sick of it, LOL.
Hi I love ur video. I’ve never made a late payment but I hired this credit repair company & they had me disconnect all communication with my creditors but now I have a few late payments how can I get these removed ?
That’s strange! I honestly can’t speak to why they’d have you do that but if you hired them they should be the ones getting the late payments removed 🤔
I’m so grateful I came across your videos 🙏🏼 god works in amazing ways! I’m a navy veteran and can use some help to get myself back to a healthy financial lifestyle.
Erikaaa! 😭😭 I’m so touched ❤️ thank you for watching. My family is full of service members so let me know how I can help you. Have you started the VA loan process?
Erikaaa! 😭😭 I’m so touched ❤️ thank you for watching. My family is full of service members so let me know how I can help you. Have you started the VA loan process?
@@JazzyMac that is so exciting to hear! 😬 But not at all . I ruined my credit after I got out the military and could no longer afford the lifestyle I was used to so now I’m trying to repair my credit so I can fulfill my dream of being a homeowner 🙏🏼🙏🏼
@@erikaorozco1553 hey, life happens like that sometimes! It’s just one big learning cycle 😀 please keep me posted on your home buying journey. Even if you don’t want to buy a house right away, at least talk to a lender to see what you need to get pre-qualified. Always better to know ahead of time what you need to work towards! 😊
Hi Jazzy. Thank you for all the great info you share with us. I was wondering about a bill that I owe from a while back that is now in collections. They are offering me a discount to get it paid off. What do you suggest I do? Also..I am currently making monthly pmts to a collection company on a couple of bills from a while back. Since the clock starts over with each pmt what should I do? Thank you again for all your help.😊
I mailed my letters today! I’m a little confused on how it works, the signature confirmation but the credit bureaus are sent to a PO Box. I paid the extra for tracking so hopefully I’ll know soon if everything made it!
Thank you and I am so glad I bought your templates few months. And between Oct 2022 and Nov 2022, I have 4 write off accounts already deleted by equifax, 2 deleted by TransUnion and Experian still dragging my deletion. Why is experian making deletion difficult?
Afternoon, I was told by a sales consultant from a home builder that it’s not wise to do credit repair while trying to buy a home. I’m wanting to purchase by June or July but I need to work on my score. What would you suggest I do to help boost my score?
My credit score is constantly dropping and I have lots of collections on top of student loans as well as finance companies... Help me please or should I just file for bankruptcy😢
Hi Jazzy!! Thanks again for another great video 🙏🏽 how can you check your credit? Is there somewhere to check for collections? How do you know which of the three (transunion, experian, equifax) it shows up on?
Hey Crystal! This video should help! Also, read the description box to see which websites I recommend for pulling your credit! th-cam.com/video/5Oqe7Ix1IYI/w-d-xo.html
Good morning. First and foremost thank you for all the valuable information you provide. My question is, I bought a couch and the company opened 6 different accounts for 1 piece of furniture. Is this legal and can I get it deleted off my account.
Hello new sub here 😊love all the great info Thank You! I have a medical collection that keeps increasing do to interest..I get notified every 2 weeks it seems!. I was working with a credit repair company but cancelled the service after the second round back in April. A remark is on transunion that states (Account information disputed by consumer, meets FCRA requirements) I want to purchase your templates, but just trying to figure out if I start the process over or do think you I should go the hipaa route. Thanks in advance! Also I'm interested in home buying using the VA loan my hubby is a veteran and we are wanting to purchase our first home next year 🙏🏼
Buying a new home is so exciting! I hope it goes really smoothly for you! In your case, I’d call the credit bureaus and ask that what that statement means and what your options are. Also ask to see the original contract so you can see if they’re allowed to accrue interest and collection fees.
Hey! Your credit profile is generally updated within a day or two after being added as an authorized user. However if the person adding you has missed a payment or has a high balance, you will inherit their credit history as well. Good or bad. So do your due diligence 😊Hope that helps!
I do love your channel and recently subscribed. It’s like talking to a good and sincere colleague or friend who truly wants others to excel. Question: Can you dispute a collection that is fairly new like 2-4 years? If so, who exactly should the dispute letters be sent to (the collection company or the three credit bureau’s)? Also, how long should it take to rebuild credit on average?
I have question based on that im enrolled in a debt relief program and I wanted to know could I still dispute inquires on my credit report. I have things that's just sitting on my credit report that I swill liked removed. Thank you! I live your channel.
Hello Jazzy, just subscribed to your channel and I like how you explain about this dispute letters and I am really interested in dispute letters. Have a question, I am lost with a credit card because I have written them a dispute letter because they did a mistake with my account with 0 interest with in 12 months and I did payoff on time, but because there mistake now, I have to pay them all the interest because for them I didn't pay my promotion on time. (Which 100% I did). My credit is over 760 and I don't what this hurt my credit. Any suggestions you think I should do. Because they keep rejecting my dispute letters. Thanks for your time. Many blessing to you...🌹🌹🌹
Oh my gosh, I have been back and forth with different companies and videos regarding this matter. Your video is very refreshing and informative maybe it's the calmness in your voice. I have over 10 years of work to fix so I thank you for this. I am just now realizing I can not do anything without credit so here I am later in life trying to fix what I caused. Question: Do I use the same template for the names and addresses that are incorrect or old on my report?
Hey hey! So glad you stopped by 😊 for correction of names and addresses, you can actually do that online as that usually is an instant update they’ll make because it doesn’t usually require any investigation. Especially if you’re simply deleting addresses. I would save the templates for heavier cases like collections, inquiries & charge offs. 😀
Hi I was hoping I could get an answer on here. Yesterday my tax refund was taken by a debit collector and I had absolutely no idea who this collector was. I was never informed of any collection from this company. The collection is 5 years old. Can I send a letter to the agency to verify the debit or is it too late?
The account number that is linked to the collection on experian only shows part of the account number? Like an example it shows 123456xxxxxxxx . Should I write out the account number like that on the dispute letter or is there a way to get the whole account number if I need to include that on the dispute letter? my next question is what do you mean to include copies of your certified mail receipts? what is that? Thank you Jazzy ☺
@@JazzyMac on the template letters, do we not write the SSN on the letter or they can find the information just by the name. It doesn’t have an area where we should put it?
Hey Jazzy, I not sure if you have mentioned before but I would like to know if you paid a collection are you still able to removed from your history or not? Thank you for all the info you provide to us.
Hope you reply what if you have been making payment on account but it's been more than 2 years can you Dispute that still even though you are currently making payments in time?
Thanks for sharing such valuable information. Do you have any videos where you discuss paying off a credit card and it shows it being paid, but as a charge off. Also, how to increase the score after paying the balance. Thank you. Daniel
I’m working on a credit card payoff video! And asking for a credit increase on any current credit cards can raise your score (if you do not run up the balance). Just make sure you ask the creditor if it’s going to be a hard or a soft pull to your credit before they do the limit increase.
I have a question- I wanted to put my son on my credit card as an authorized user. However, I have filled bankruptcy 4 years ago. Should I NOT add him? I don’t want hurt his score- I just want to help it. He’s 17
Hi! So he will inherit the credit card payment history, NOT the bankruptcy history. So if you’ve had perfect credit card payments, 100% on time, and you have a very low utilization (under 5%) then it may be something you can consider.
Hi Jazzy! New subscriber here and I love your info on your channel. I have a question? After I have had my past information ( aliases, addresses ect) removed, I've froze my personal account (lexis nexus ect) and I'm about to send my dispute letter out, should I sign my name at the bottom with ink? I've heard that you should never do this because if certain agencies are trying to get any Information about you and you send your dispute letter with your signature now they have a copy of your actual signature. Does this matter or should I sign my name at the bottom of my letter? Thank you for time!
Hey beautiful! Thank you so much for tuning in and hanging out with me 😊😊 so I would NOT sign using my wet signature. I’d only print my name at the bottom. Unless they ask for an identity verification, keep it simple! 😘
@@JazzyMac Thanks! Also what is the time period in between letting them know you only have one addresss, name and phone number, freezing your accounts, and sending the dispute letters. Should this be done days apart or can you do it all at once?
Hi!! Do you have any advise for getting late payments off your credit report? Specifically cards like Victoria Secret and Forever 21, I'm back current but they were not willing to remove the late payments off. Any tips?
Hey Jazzy- Hope you’re having a blessed day-Just wondering if a collection item shows no amount(-). Would I contact them to see what the contract original amount was so it can be removed? You’re a GOD sent🙏🏽❤️
Hey Cassandra! If no amount is showing that’s still fine during the dispute process. The most important items are the name & account number of the collection! 😊
I’ve seen the same collection agency on All 3 Bureaus. Also, the Credit company and Collection Agency are both listed!! Should that be? What is going on😫🙏🏽🙏🏽 HELP!!!
Hi. In your video you said to put your DOB and SSN on your dispute letter, but in your template that I got from you it only says to put your name and address in the letter. Which one should I do? Thanks.
That’s optional. It’s generally needed when you’ve never disputed before. Sometimes they’ll ask for that info for identity purposes. If you have disputed before then it’s not necessary.
I am really learning from your videos...thank you!!! Based on your experience to build/boost credit score, would it be better to carry a SMALL balance on your credit card or pay it off each month?
Heyyy Towana!! So glad you’re here! ❤️❤️ you technically don’t need to carry a balance in order for it to report to your credit 😊 I have credit cards that are active but have not been “used” in 2 years 😄 i cut it up to not get tempted and my credit score continued to skyrocket!
For tip number # can you write the letter in RED ink ?? Also , when your asking for a credit increase on your existing card , will the company do a hard inquiry on your credit? I was told when ask for a limit increase you have to request for the company not to pull your credit . Your thought 💭🧐🧐👍👍
Thank you so much, I purchased the credit bundle did first two steps remove old address/numbers, then disputed and other tips. Now 60days later credit up 130points 710 score. Feels great to have good credit again approved for my 50,000 business loan now!
HOLDDD UPPP!!! 💃🏾💃🏾💃🏾I gotta do my praise dance 🙌🏾💃🏾👏🏾👏🏾👏🏾 you did WHAT NOW??? 😁😆😩😩😩😩🙌🏾🙌🏾🙌🏾 SISSSS I’m so proud of you I had to get up and shout!!! 🥲 you literally don’t understand how this just gave me a boost of energy!! THIS IS SO AMAZING QUEEN!! 🤩🤩🤩 how does it feel?!!
Dang!💯
How can u purchase
@@JazzyMac how do we purchase your templates and I'm proud of you for helping all of us to improving our credit!!!
@@jessicawalker5953 hey! The link is in the description box 🙂
Heyyy Beautiful - I purchased your template months ago but felled into depression and decided not to move forward working on my credit. But now I’m in a better space and have put in the work. I wrote out my letters and will be sending them off USPS Certified tomorrow morning 🙌🏾. I love you and all that you’re doing to help others.
Omg!! First off, I wanna commend you for straightening your crown 👑❤️❤️❤️ I’m so proud of your for getting back up. We all go thru depression and it’s so brave of you to address it 😘 let me know the outcome of your dispute letters!! Get signature confirmation! I’m here for any questions you have sis!
@@JazzyMac UPDATE 🚨
Heyyy beautiful and thank you so much. So I received a letter from Equifax and they spelled my last wrong. What do I do next?
Letter is stating that I don’t have credit on file and we’re unable to locate one of the reasons and those reasons were:
• you have not apply for credit recently
• you have not actively use credit in the past 10 years
• you have not lived in the United States or have not been issued a US Social Security number
@@pruitt83 hey babe! ❤️ 👋🏽 how are you? Tell me more. What did the letter say? Was it the investigation results?
@@pruitt83 hmm strange. And you were disputing collections, right? If they can’t find a profile they’ll probably want you to send in identity documents but what you can do to short cut it is call over the phone and do a verbal verification of your identity through their challenge questions. Once that’s complete, have them continue your investigation and inform them of the date that you mailed your letters! ❤️
I've seen so many videos like this and you're the first person I would trust. You're the real deal and so genuine
OMG thank you so much, Ann! ❤️😘😘
I just hand wrote three letters in Blue ink to Experian and Equifax and I ran to the Post office to have them sent off certified mail TODAY after watching this video! Can’t wait to see what happens, been focusing on boosting my credit since last year and def need a mentor now. Thank you!
THIS is what I wanna hear!!! When you all handwrite those letters and drop them in the mail, it makes my entire heart so happy‼️‼️‼️🎉🎉🎉 keep me updated sis! I’m proud of you for taking charge!!!
did anything happen?
No one but GOD placed this video on my feed. Thank you so much for the info!! I need to start from video 1.
Hey LaNesha! He will supply ALL of our needs and put us in the path of good company! I am happy you landed here and excited to answer any questions you may have! 😇❤️
I LOVE YOUR CHANNEL!!! Congrats to you and your husband on the pregnancy sis. You don't even know how your videos came at the right time for my husband and I. We are 29 weeks pregnant and need to get into a larger home (rent) and keep being denied for a 590 credit score. Cant get into the 600s so Im going to implement your strategy and hopefully boost my credit enough to start applying again. Can you please please please make a video on what to do if you dont have enough credit history? I think this is whats really killing my score. Thank you! 🥰🥰🥰
Omg congrats to you and hubby, Brittany! Are you registered anywhere?! And if you have shorter history you could ask a family member or friend (with GOOD CREDIT) to add you as an authorized user to their credit card. How old is your oldest credit account? If it’s at least 2 or 3 years old that’s a good enough start!
JAZZY JAZZY JAZZY, I wanted to share my news with you. Girl, im at 708 on my credit scores!!!! Girl lol, im so happy and proud. I worked so hard. Thank you for your methods, they really work!
I cannot get over how quickly you did this and how proud I am of you!!! 😩😩
@@JazzyMac :) when i set my mind to something i do it girl :)
I can’t even begin to describe how happy I am to have come across your TH-cam channel. Your advice is amazing and in simple terms as you describe why, how, when & what is necessary to clean up credit reports. Thank you! Thank you! Thank you!
Omg that warms my heart! 🥰🥰🥰
Your videos are much more genuine than so many other videos I have watched in a couple of years!!! Nothing was ever as informative as your stuff has been, thanking God for people like you! Thank you so much.
🥺🥺❤️❤️ I needed this comment. The pleasure is all mine!
Running across your video was truly confirmation for me. I'm an army veteran and i was reading others comments just like them my credit was damaged after getting out of the military because my lifestyle changed so much. Im soooooo thankful for this wonderful pop up video at 230am lol. but i could seriously use some tips and tools to get my credit together and getting my family into a forever home but first improving my credit. I'm ready to do the work. You're a blessing. new sub and i will be sharing all the video with friends and family.
Hey Queen! Firstly, I want to thank you for sacrificing your time and energy to serve our country. I salute you! 🇺🇸❤️ secondly, I have a video coming out this weekend on home buying and I discuss VA loans as well. I’m so honored that you tuned into my videos! 😊 I’m 100% here as a resource for any credit, finance or mortgage questions you have. Or if you just need someone to pray with you! Thanks so much for sharing the content and don’t ever hesitate to reach out to me! ❤️❤️
Just found your channel and this is the second video I watched. Where have you been all my life!?!? I am definitely going to buy the template and implement the dispute by mail technique to raise me and my husband's scores.
Yasss sis!!! That’s what I like to hear!! Please please please keep my posted once you send your letters off!!
Hey April! Checking in to see how things are going. Did you send off your letters yet? 😊
@@JazzyMac I have! Score up 20 points so far which put me in the sweet spot (690s) for mortgage preapproval. Gotta keep working on mine and start work on my husband's credit as well.
@@aprildumas-gray442 April!!! I could come thru this phone right now and high five you! 💃🏾💃🏾 20 points! And you’re gonna save a TON on your interest rates! So excited for you and hubby! Lmk if you need any other advice! 😊 so proud of you!
@@JazzyMac I have this charge off on my credit report for a car lease from 2017. I turned in the car and there were mileage overage fees of over $6,000. I paid them $100 monthly for a year and then they stopped debiting the payments. I ignored it at the time. The balance is $5,200 and it is listed as a charge off since 2018. I had no clue until I pulled my credit this year that it was even on there. I was reading about the statute of limitations and my head starting spinning. Should I just revisit this later? Should I try to settle in exchange for removal? I have no collections on my report and 5 charge-offs, 3 of which I paid in full a long time ago. So there's this car lease which is huge and one other credit card I already started the process for disputing. Also, can I ask the other charge off companies to remove the charge off out of the kindness of their hearts? lbvs I know this is a lot so if you do consulting I am happy to go that route.
So thankful for finding this channel by accident. I sure wished that I found it earlier this year that’s for sure 🙏🏽! Thank you for the informative information in such a chill vibe without all the unnecessary fireworks some folks put on their channels. Straight to the point and again very informative big thanks!
Hey sis!! 😘 I’m so happy that it made sense to you. I tried to keep it simple lol. Sounds like you’re already getting to the bag, but keep me posted on your credit journey. I’m happy to answer any questions you ever have!
So true 👍
@@princeig656 😘😘
Am in tears watching this video right now as I came across it by accident, I owe medical bill and now it is with collections. I have been having sleepless night and TH-cam recommended your video, how can I get out of this huge problem
@@naomiface9613 hey Naomi! Have you reached out to the medical facility and asked about financial aid or asked if they’re willing to waive the medical charges due to financial hardship? That has worked for me in the past!
I’m so glad I found you. This info is so helpful
I’m so glad it was helpful! ❤️❤️
You are such a Blessing to so many. I just subscribed and I love how beautiful and smart and classy you are. You are an example to so many. I pray God Blesses you 10× for being so genuine and humble with your gift 🙏🥰
🥲😩😩😩 thank you so much ❤️ peace and blessings to you and your family 🥰
Ok ok, I just watched 5 or 6 of your videos, and you got me lol I subbed. ❤️👍🏾 all your videos thus far.
🥹🥲 Thanks for subbing, Queen!! So glad you’re here!
Hi!! My husband authorized me on one of his credit cards and I noticed my score when up like 12 points! Now by watching your video it all makes sense! 😮 thank you for these tips 😊
Sounds like you have a good hubby!! 😄🥰🥰
This information is G O L D!✨ thanks you for your knowledge.
It’s my pleasure! 😘😘
Just came across this vid and immediately ordered your kit, can’t wait to see what results I get! Your video is the only that made sense and didn’t bore me to tears, thanks!
Omg Britney!! 😃 I’m so happy the video was helpful, I swear I ramble way too much so it makes me happy that it was helpful for you! Let me know when you send your letters off!! ❤️❤️
@@JazzyMac I definitely will 😀
@@JazzyMac hey I have a bit of a dumb question, I’ve started writing my letters already, for account name is that the creditor or the collection agency that now owns the debt?
@@brittneyj87 that’s actually a really good question! 😊 so you want to list the account number as it appears on the credit report, and in most cases the “appropriate” number to list is the collection account number.
@@JazzyMac thanks that was actually my next question since it’s not fully shown, but I meant the account name. It list collection agency as well as original creditor name, I’m unsure which to list as the account name
2nd video that I’ve watch from you & they are very very helpful!!!! Thanks for the help love.
Queen!!! I’m so honored!! 🥰 you are more than welcome and don’t hesitate to reach out if you have any questions at all! I’m here to support you!
New follower ! Trying your templates out tomorrow 🥴 I’ll be back with a update
🤗🤗🎉 welcome to the family!
Mailed all 3 credit bureaus yesterday certified mail of course. Eager to see if it helps. Fingers crossed. We had two late payments show up while on forbearance during COVID-19 and under the cares act that's not ok. Praying they fix it so we can buy a house soon. Sold are house not knowing are credit was horrible and here we are 🤦
I have my fingers crossed for you!!! Keep me updated! ❤️
@@JazzyMac I will for sure. Thank you for the advice you give us.
I just found your channel and I appreciate you so much. I’ve been struggling for years to build my credit and got virtually nowhere.
I appreciate YOU! 😊 they should’ve taught this in school! But hey, I’m here to help fill in the gaps for ya 😀
@@JazzyMac would I be able to get rid of a closed account from 2016? It’s been paid off but still shows up. Do I just wait it out or can I have it taken off? I can’t seem to find any info elsewhere on this lol.
Also, if a collection was disputed and taken off of one credit bureau, could I include that in a dispute letter to another that shows that same collection as unpaid?
@@katietye3673 hey Katie. Can you explain what the closed account is for? Car loan, credit card? Sometimes removing a closed account will lower your score (if it’s NOT listed as a collection item). That’s what I’m trying to understand. And you can try to include the previous dispute results in your dispute letter but it may not help much because all 3 bureaus operate independently of each other and don’t share information.
Very glad I subscribed to this channel👍👍👍👍😊
I am glad you stopped by!! 😊😅 thank you so much!
GM.. I’ve been watching your credit videos all morning. How do I purchase your credit repair bundle and templates? I’m so excited to start repairing my credit do to your videos. Thanks so much
Hey! It’s in the description box ❤️❤️❤️
Jazzy, can you provide me with a video/template on “newbies” CREATING credit history for the first time?
There are housing grants?? I would LOVE to hear about them!
Yes!! Check NACA!
Read your article in Insider and congratulations on your innovative work. I loved your saying you want to talk to others like you were explaining things to your mother. Big Ups to you.
Omggg Ms.Quanda!! I am so delighted that you came here and that you enjoyed the article. It was tough being vulnerable and putting my personal business out there but comments like these make it all worth it! 😊
I really like your channel ❤️
I really like YOU! 🥰
Very informative. Great post!!!!
Thank you so much, Ro!! I appreciate you watching and supporting! 😊😊
Hello I came across your channel and I’ve been looking over your videos to fix my credit they are very helpful . Can you tell me how to purchase your letter template
Description box ☺️
This was very helpful. I find that I’m always Teetering back-and-forth in the high 700s and low 800s and I wanted to know how I can consistently maintain the score in the 800s. I’m sure my student loans don’t help🤦🏾♀️But, I will definitely look into increasing my credit limit.
Yes! That’s the best start and what site are you using to view your 3 credit scores?
best video for disputes
Thank you so much!! 😊😊❤️
Hello!! New subscriber! I am here to learn all the tips and tricks to fixing my credit.. I am also a military wife and if you do have any info about how my husband and I can maximize everything the military have to offer, I am all ears! Will love for you to create videos on VA loans etc... everything you mention at the end of this video, I am here for it!!!
Heyyyy Ashlee!! Thank you for subbing 😊❤️ and thank you BOTH for your service (cuz military wives are the support system!)😇 my brother is an Airman and a real estate agent, and used a VA loan for his home recently. what questions do you have?! I can put together a video where he explains how they work!
Hi Jazzy, I just stumbled upon your channel. The information is powerful, and yesterday I purchased your templates. I have good credit history, but in December a Health care provider issued a collection for a worker comp case. For which my company would have gladly covered if they had coded it correctly. Now I’m on the hook for this amount. So I disputed it already (online😒) and it came back verified. Wish I would have saw your videos first. Now I plan to use your template to dispute a second time. I will keep you informed of any progress.
Hey James! Please keep me posted on your results! Those letters are so powerful!
Hey Jazz, i’m just now working on my credit and I stumbled across your videos and I have a question so I got a repossession and they sold it at a auction the amount that’s on my credit is different from the letter that they mailed me from selling it they deduct what they sold it for from with the original payment can I still dispute that or do I give them time to update it?
I started listening to you back in November I already have one Item removed. I called waited 1 hour but the lady was very nice
Sis!!! Proud of you!! Hold up! I need more details 😁😆 I need a play by play and also need to know how many points your credit went up?! 💃🏾
@@JazzyMac I called them 3 times until one nice lady listen to me. I had a medical bills that was supposed to be paid by my health insurance but never paid it. So when I called she was happy to help me after 3 attempts I received the email today
@@daphneydorinvil1597 ahhhh!! Screaming for you! The best part is that you did all of this YOURSELF ❤️
@@JazzyMac yes I paid a company for 1 year nothing happened
@@daphneydorinvil1597 that drives me crazy knowing companies are out there scamming people and not getting them any results.
I wanted to see how or what letters should I mail in or can u tell how to do it
Heyyyyyy Jazzy Mac I love love love your channel wish I subscribed sooner, the account number have XXXXX is that ok to use in Dispute letter or do I call to get full account number?
Yes!
Learn how I removed Derogatory Collections & Charge Off’s from my credit report:
th-cam.com/video/DeSB3SPBx3k/w-d-xo.html
Can me and my wife be each other’s authorized users and Still benefit?
@@Harleybostic if one has excellent credit and excellent payment history, yes. But you need to confirm that with the credit card companies and via your credit report scores first.
@@JazzyMac mines would be better because we started working on mines first I’m at a 600 she needs the help the most
@@Harleybostic with a 600 credit score I wouldn’t recommend it at this point. The hard pull may lower your score even more. You could talk to your local bank about if it’s beneficial for her to get a secured credit card to rebuild credit.
@@JazzyMac no como
Omg @Bee Latrice !! These department stores are notorious for offering discounts for you to sign up for a credit card, and people fall right into that trap & hurt their credit scores! I am so sick of it, LOL.
Hello 👋 how can you help me with boost my credit up please?
@@naimastephen1224 hey sis! Start with this video 😊😊 did you have a specific question? I’m so happy to help!
I tried to get it but I don’t
@@naimastephen1224 start by pulling your credit reports and noting what your current score is and what your goal score is.
You mentioned housing grants do you know of any grants available in the Atlanta area
Look up “Atlanta Dream Home Assistance”
I bought your package and wrote my letters in blue ink as suggested and I just received an automated email from experian. Is this normal? Please help!
What does the email say?
Love your credit classes, please upload or download your 609 dispute letters and please keep up the good work
Thank you Cheryle! The templates are in the description box 😊
Thank you for these tips Jazzy!.... where can i get that shirt ur wearing in this video? I love it and i want it lol.
Oh, im a new subscriber to ur channel! Im definately using these tips ur providing.
Hey sis!! You are more than welcome! I’m here for YALL! If y’all win, I win! 😊 and the shirt is from www.GodIsDope.com @godisdope on IG! 🥰
Hi I love ur video. I’ve never made a late payment but I hired this credit repair company & they had me disconnect all communication with my creditors but now I have a few late payments how can I get these removed ?
That’s strange! I honestly can’t speak to why they’d have you do that but if you hired them they should be the ones getting the late payments removed 🤔
I’m so grateful I came across your videos 🙏🏼 god works in amazing ways! I’m a navy veteran and can use some help to get myself back to a healthy financial lifestyle.
Erikaaa! 😭😭 I’m so touched ❤️ thank you for watching. My family is full of service members so let me know how I can help you. Have you started the VA loan process?
Erikaaa! 😭😭 I’m so touched ❤️ thank you for watching. My family is full of service members so let me know how I can help you. Have you started the VA loan process?
@@JazzyMac that is so exciting to hear! 😬 But not at all . I ruined my credit after I got out the military and could no longer afford the lifestyle I was used to so now I’m trying to repair my credit so I can fulfill my dream of being a homeowner 🙏🏼🙏🏼
@@erikaorozco1553 hey, life happens like that sometimes! It’s just one big learning cycle 😀 please keep me posted on your home buying journey. Even if you don’t want to buy a house right away, at least talk to a lender to see what you need to get pre-qualified. Always better to know ahead of time what you need to work towards! 😊
Love the info!
Thanks for watching!
I Just found your channel. Can you please share the letter for disputing items on your credit report.
Thank you,
Merry Christmas
Hey Carol! It’s in the description box 😊
Recently found your channel and I’m deff going to try all of these..🙌🏼 I’m looking to buy a home.. anything i should try to do?
Hey Celia! ❤️ have you watched my first time homebuyers videos? Also have you pulled all 3 of your credit scores? 😊
Do I Include my Social number in dispute letters
I answered this 😊 try not to write duplicate messages or TH-cam will hide your comment as spam 😊
I didn’t know that I would send it to CFBP now I know to send them in the mail and certified. What letter should I send it.
Hi Jazzy. Thank you for all the great info you share with us.
I was wondering about a bill that I owe from a while back that is now in collections. They are offering me a discount to get it paid off.
What do you suggest I do?
Also..I am currently making monthly pmts to a collection company on a couple of bills from a while back. Since the clock starts over with each pmt what should I do?
Thank you again for all your help.😊
Hey! I always say get it in writing that they’ll delete the collection account from your credit report once payment is received.
I mailed my letters today!
I’m a little confused on how it works, the signature confirmation but the credit bureaus are sent to a PO Box. I paid the extra for tracking so hopefully I’ll know soon if everything made it!
This should help: www.stamps.com/usps/signature-confirmation/
Thank you and I am so glad I bought your templates few months. And between Oct 2022 and Nov 2022, I have 4 write off accounts already deleted by equifax, 2 deleted by TransUnion and Experian still dragging my deletion. Why is experian making deletion difficult?
This is so awesome!! Congrats 🎉 remember, the bureaus don’t talk to each other. So follow the steps in your roadmap to address the other 2 bureaus. 😀
Afternoon, I was told by a sales consultant from a home builder that it’s not wise to do credit repair while trying to buy a home. I’m wanting to purchase by June or July but I need to work on my score. What would you suggest I do to help boost my score?
Never pay for credit repair.
My credit score is constantly dropping and I have lots of collections on top of student loans as well as finance companies... Help me please or should I just file for bankruptcy😢
Hi, great advise, thank you. I wanted to know if a Bankruptcy can be removed after 7yrs?
It depends, was it was chapter 7 or 13?
@@JazzyMac Hi, It was chapter 7.
She dropping gems
I try, I try! Yall motivate me! 😊
Hi Jazzy!! Thanks again for another great video 🙏🏽 how can you check your credit? Is there somewhere to check for collections? How do you know which of the three (transunion, experian, equifax) it shows up on?
Hey Crystal! This video should help! Also, read the description box to see which websites I recommend for pulling your credit!
th-cam.com/video/5Oqe7Ix1IYI/w-d-xo.html
Thanks for the info.
Any time! 🥰
Thank you thank I'm doing this asap I have debt on my credit from 7 years ago
If it’s from 7 years ago it should’ve dropped off by now! I’d definitely dispute those 7 year old debts!
Veteran need some help 1sr time home buying n credit
Good morning. First and foremost thank you for all the valuable information you provide. My question is, I bought a couch and the company opened 6 different accounts for 1 piece of furniture. Is this legal and can I get it deleted off my account.
Sounds extremely fishy to me!!! I'd be contacting a consumer protection attorney to see if they owe me compensation!
So, you are suggessting to request an increase so that the debt currently owed is lower versus being over 50%. Am I hearing that correctly?
While paying down your credit balances
Hello new sub here 😊love all the great info Thank You!
I have a medical collection that keeps increasing do to interest..I get notified every 2 weeks it seems!. I was working with a credit repair company but cancelled the service after the second round back in April. A remark is on transunion that states (Account information disputed by consumer, meets FCRA requirements)
I want to purchase your templates, but just trying to figure out if I start the process over or do think you I should go the hipaa route. Thanks in advance!
Also I'm interested in home buying using the VA loan my hubby is a veteran and we are wanting to purchase our first home next year 🙏🏼
Buying a new home is so exciting! I hope it goes really smoothly for you! In your case, I’d call the credit bureaus and ask that what that statement means and what your options are. Also ask to see the original contract so you can see if they’re allowed to accrue interest and collection fees.
I just purchased your template but how do you get the old address and names off ? Do you have a template for that ? Please help
Thank you so much for your info...question...hie quickly does your score boost once added as authorized user to someone else account?
Hey! Your credit profile is generally updated within a day or two after being added as an authorized user. However if the person adding you has missed a payment or has a high balance, you will inherit their credit history as well. Good or bad. So do your due diligence 😊Hope that helps!
You make alot of sense,Thank you I have learned so much from you.Blessing's
Thank you Joan!! I’m so happy it made sense! Please lmk if you ever have questions!
Question if a letter comes back validated and they try to take you to court. Any advice with that?
Contact an attorney!
I do love your channel and recently subscribed. It’s like talking to a good and sincere colleague or friend who truly wants others to excel. Question: Can you dispute a collection that is fairly new like 2-4 years? If so, who exactly should the dispute letters be sent to (the collection company or the three credit bureau’s)? Also, how long should it take to rebuild credit on average?
Yes! There is no time limit for when you can dispute!
I have question based on that im enrolled in a debt relief program and I wanted to know could I still dispute inquires on my credit report. I have things that's just sitting on my credit report that I swill liked removed.
Thank you!
I live your channel.
Hey! Are the inquiries for accounts that you opened?
Should you e-mail the creditor to delete late payments if the account is already closed?
I did a video on late payment removal!
Hello Jazzy, just subscribed to your channel and I like how you explain about this dispute letters and I am really interested in dispute letters. Have a question, I am lost with a credit card because I have written them a dispute letter because they did a mistake with my account with 0 interest with in 12 months and I did payoff on time, but because there mistake now, I have to pay them all the interest because for them I didn't pay my promotion on time. (Which 100% I did). My credit is over 760 and I don't what this hurt my credit. Any suggestions you think I should do. Because they keep rejecting my dispute letters. Thanks for your time. Many blessing to you...🌹🌹🌹
Hey! I’m not sure!
Oh my gosh, I have been back and forth with different companies and videos regarding this matter. Your video is very refreshing and informative maybe it's the calmness in your voice. I have over 10 years of work to fix so I thank you for this. I am just now realizing I can not do anything without credit so here I am later in life trying to fix what I caused. Question: Do I use the same template for the names and addresses that are incorrect or old on my report?
Hey hey! So glad you stopped by 😊 for correction of names and addresses, you can actually do that online as that usually is an instant update they’ll make because it doesn’t usually require any investigation. Especially if you’re simply deleting addresses. I would save the templates for heavier cases like collections, inquiries & charge offs. 😀
@@JazzyMac Thank you so much 💖
@@irionnehunter789 😘😘💕
Hi I was hoping I could get an answer on here. Yesterday my tax refund was taken by a debit collector and I had absolutely no idea who this collector was. I was never informed of any collection from this company. The collection is 5 years old. Can I send a letter to the agency to verify the debit or is it too late?
I honestly would contact a consumer protection attorney for a free consultation. It sounds extremely fishy to me.
Amazing infor awesome beautiful job thanks
Thank you Queen ❤️❤️
How can I download template to dispute a collection on my credit report only?
Hey! It’s in the description box!
The account number that is linked to the collection on experian only shows part of the account number? Like an example it shows 123456xxxxxxxx . Should I write out the account number like that on the dispute letter or is there a way to get the whole account number if I need to include that on the dispute letter?
my next question is what do you mean to include copies of your certified mail receipts? what is that? Thank you Jazzy ☺
You keep the certified receipt copies for your personal records. And yes, write it exactly as the credit report shows. XXXXX included
@@JazzyMac on the template letters, do we not write the SSN on the letter or they can find the information just by the name. It doesn’t have an area where we should put it?
@@shirleycollins4418 it’s optional, however I don’t add it unless they specifically ask for it 😊
I have. Credit card and a school that someone else use and it wasn’t me and there’s a bed that someone use and it wasn’t me so I need help please
Report it to the police and FTC. I do not offer 1:1 services and do not offer credit repair :)
Hey Jazzy, I not sure if you have mentioned before but I would like to know if you paid a collection are you still able to removed from your history or not? Thank you for all the info you provide to us.
Yes! You can dispute to request removal.
Thank you for these information. What do I do with charge offs and a medical bill that I wasn't supposed to have because I was covered during care.
Dispute it. Ask for validation and state that this was covered by your insurance.
Hey Jazzy! Can I type out the letters or does it need to be hand written?
I prefer to hand write my letters 😀
@@JazzyMac thank you so much!
Hope you reply what if you have been making payment on account but it's been more than 2 years can you Dispute that still even though you are currently making payments in time?
It’s harder to dispute in that case. You may consider asking the company for a pay for delete. But do your research.
Thanks for sharing such valuable information. Do you have any videos where you discuss paying off a credit card and it shows it being paid, but as a charge off. Also, how to increase the score after paying the balance. Thank you. Daniel
I’m working on a credit card payoff video! And asking for a credit increase on any current credit cards can raise your score (if you do not run up the balance). Just make sure you ask the creditor if it’s going to be a hard or a soft pull to your credit before they do the limit increase.
Instead of physically writing out the disputes in blue/red pen ink can we type the letters using the blue/red ink color?
Yes you may!
How do I purchase the ebook. I am looking for it on Amazon prime
Hey Billy! The kit is in the description box!
I have a question- I wanted to put my son on my credit card as an authorized user. However, I have filled bankruptcy 4 years ago. Should I NOT add him? I don’t want hurt his score- I just want to help it. He’s 17
Hi! So he will inherit the credit card payment history, NOT the bankruptcy history. So if you’ve had perfect credit card payments, 100% on time, and you have a very low utilization (under 5%) then it may be something you can consider.
Hi Jazzy! New subscriber here and I love your info on your channel. I have a question? After I have had my past information ( aliases, addresses ect) removed, I've froze my personal account (lexis nexus ect) and I'm about to send my dispute letter out, should I sign my name at the bottom with ink? I've heard that you should never do this because if certain agencies are trying to get any Information about you and you send your dispute letter with your signature now they have a copy of your actual signature. Does this matter or should I sign my name at the bottom of my letter? Thank you for time!
Hey beautiful! Thank you so much for tuning in and hanging out with me 😊😊 so I would NOT sign using my wet signature. I’d only print my name at the bottom. Unless they ask for an identity verification, keep it simple! 😘
Should we send a copy of our social and drivers license with the dispute letter?
Nope! Don’t do that unless they specifically ask for it!
@@JazzyMac Thanks! Also what is the time period in between letting them know you only have one addresss, name and phone number, freezing your accounts, and sending the dispute letters. Should this be done days apart or can you do it all at once?
@@marciayounge8027 I’ve never had to freeze my account to do any disputing.
@@JazzyMac ok thanks!
How do I dispute and where do I get the letter format?
Description box ❤️
Hi!! Do you have any advise for getting late payments off your credit report? Specifically cards like Victoria Secret and Forever 21, I'm back current but they were not willing to remove the late payments off. Any tips?
I made a video for that! 😊
Hey Jazzy- Hope you’re having a blessed day-Just wondering if a collection item shows no amount(-). Would I contact them to see what the contract original amount was so it can be removed? You’re a GOD sent🙏🏽❤️
Hey Cassandra! If no amount is showing that’s still fine during the dispute process. The most important items are the name & account number of the collection! 😊
Very helpful information
Hey Barbara! That makes me so happy to hear! Let me know if you ever have any questions! 😄
I’ve seen the same collection agency on All 3 Bureaus. Also, the Credit company and Collection Agency are both listed!! Should that be? What is going on😫🙏🏽🙏🏽 HELP!!!
Hey Cassandra! Have you watched my other Collections videos? 😊
@@JazzyMac I will check it out AGAIN!!🙏🏽❤️🏃🏽♀️🏃🏽♀️
@@Prettiiwingz915 ok!! Let me know if anything doesn’t make sense! 😊
Hi. In your video you said to put your DOB and SSN on your dispute letter, but in your template that I got from you it only says to put your name and address in the letter. Which one should I do? Thanks.
That’s optional. It’s generally needed when you’ve never disputed before. Sometimes they’ll ask for that info for identity purposes. If you have disputed before then it’s not necessary.
Can you help me with the dispute template letter?
It’s in the description box!
I am really learning from your videos...thank you!!!
Based on your experience to build/boost credit score, would it be better to carry a SMALL balance on your credit card or pay it off each month?
Heyyy Towana!! So glad you’re here! ❤️❤️ you technically don’t need to carry a balance in order for it to report to your credit 😊 I have credit cards that are active but have not been “used” in 2 years 😄 i cut it up to not get tempted and my credit score continued to skyrocket!
@@JazzyMac Cut it up to not be tempted 🤣
Even more great advice 😁
@@4pastort LISTENNNN😂 I know how easily tempted I get. I have to have safeguards in place lol
For tip number # can you write the letter in RED ink ??
Also , when your asking for a credit increase on your existing card , will the company do a hard inquiry on your credit? I was told when ask for a limit increase you have to request for the company not to pull your credit . Your thought 💭🧐🧐👍👍
Yes, and id always ask about the hard pull first!
Hey Jazzy! I have an old car that’s garnishing my income taxes every year. It’s on there as a charge off. Is there anyway to stop or remove this ?
Hey! You’d probably need to speak with a consumer protection attorney to have the garnishment adjusted!
Do you recommend handwriting the letters over typing them? Planning on downloading your templates, regardless 😊
I ALWAYS prefer handwriting! It’s more effective! 🙂
@@JazzyMac Thank you!