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- Hey what's up YouTube fam? Brandon Weaver here once again. Thank you so much for being a part of the family. We appreciate you. If you're a part of the family put down below. Part of the subscribe tribe. Part of the YouTube fam, alright? I appreciate you. Now, I'm gonna get right into it. What if you got a new collection that pops up during the middle of your rounds of disputes with the credit bureaus? What you supposed to do? Well, I got a question here. I'm getting ready for my third round of CRAs, alright so, they've gotten some things deleted, they've gotten a few thing off, they're about to go to the next round. Now, on my last report, there was a new collection that was updated onto my three reports. Do I add the company to the third round of letters, and do I send a letter to the collection agency for collection validation? Yes, you can go ahead and add that collection onto your 609 dispute letters, and send it out. Now, the reason why is you don't want to be waiting, right? You're not trying to wait, put this stuff on a first round letter and do it all over again, no. You're still asking for verification and it puts more pressure on them anyway. There's a little bit more pressure in the verbiage and, right, and we quote a lot of the legal ramifications towards the later rounds, okay? So, it's a new collection, you've sent a new collection validation letter, right? They're gonna get trapped up, they're not gonna be able to send you anything, and this thing has got to be deleted, alright? Deleted-- we put deleted, in the comments below, we're gonna get stuff deleted, alright? Now, got another question here. Alright, this one's a good one because this really helps you when you dispute directly with the original furnisher. Not everybody's doing it, you don't have to do it. We've been talking a lot about it here, about doing the 623 method and disputing directly with the original furnisher, so some people are utilizing that and doing that. Now, I dispute an account with the original furnisher, but they never responded. Look at that, look at that, hoo hoo, look at that. They never responded. I just got a response from Experian, and they quote unquote verified my next step, what do I do, what should I do, what do I do? Okay, now, Experian responded with quote unquote verification, but the original furnisher never furnisher, furniture, furnisher never gave you anything. The reason is cause they probably didn't have anything. They probably thought oh, well we'll just send some verification to bureaus, they'll be fine, they'll be quite about it, but no. This is good news for you because you can ask them again, and you can ask the method of verification for Experian. Let them trap themselves up, because when they come back and they don't give you a letter, anything saying how they verified it, and you went to the original furnisher and they're not verifying, and they're not giving you any signatory stuff, any signed contract, anything, nothing with your name on it, they're not giving you any video or audio recording, or any of this stuff, so, what's up guys? You're just using the Oscar system automatically verifying them, because we know we have case law that says that you can't just automatically verify. You have to do a reasonable investigation, and if you need those letters, 609creditrepair.com. We've got information on that, how to sue and win without a lawyer, all this good stuff, all the verifications and all the rights that get violated all the time when they are not doing proper investigations. So, next round of letters goes out, okay? You can go ahead and ask the original furnisher once again for their information, and see what they do not have, and by then boom. You could just take them to court. Chances are that's gonna be deleted for you. If you wanna get stuff deleted off your report, you wanna have potential to leverage the law in your behalf, you're gonna wanna hit that subscribe button. Hit the bell for notifications for the next time I go live so you can ask me all your questions, comments, and concerns on a live call. Go to 609creditrepair.com, get the letters for yourself. Do this stuff now-- do it now; credit repair starts now. Okay, credit repair starts now. A lot of individuals have been waiting to watch a lot of the videos, and they'll say, "hey, I want to know the very best method to do it," and the very best method to do it is at 609creditrepair.com. Or, hey, just have us do it at TheAwesomeLifeGroup.com. You don't have the time, okay, you're busy, entrepreneurs out there, I got you; we got you covered. Now, some people are asking where they can find their account numbers. Some individuals are still not sure, okay, you need your partial account numbers. Partial account numbers are very helpful. You can usually get them at, like, a privacyguard.com, an identityiq.com, a creditchecktotal.com, something in this nature. Check the fees before you sign up and your trial periods, okay, and what is best for you and your financial situation. Now, I'm gonna be doing a live stream here, maybe you're gonna catch it sooner rather than later. We're gonna be talking about some student loan and mortgage stuff, discharge that kind of stuff. Original instruments of indebtedness, proper consideration for contracts, all that good stuff and how you might be able to get out from under these little situations that got you down, so hit that notification squad. Hit that bell for notifications, hit that subscribe button. Now, people are also asking, getting this question a couple of times, okay, with the certified letters, do I need to with return receipt? I forgot to add the return receipt. Now, I've been telling people I didn't have to send my stuff return receipt. I sent everything certified mail to everyone that I sent it to, okay, but I didn't use the return receipt except for maybe one time to see what it looked like, and it's actually just the stamp from Experian, TransUnion, and Equifax. It didn't seem to have much of a big difference for me. Certified is great because you get the tracking. It's going to be guaranteed to be delivered to, excuse me, to them. I got excited. I got excited. I got excited about this delivery system. Guaranteed to be delivered to them. You have the tracking; you know it's certified, so you know they're getting it, okay. If you wanna go the extra mile, get this return receipt, get it stamped, so be it, so forth, it can definitely help you out. Alright, but don't worry if you forgot it. This individual was worried that they forgot it. Tracy, everything's gonna be A-okay. And if you have any worries or comments or concerns, put 'em in the comments below. If you're doing great, things are working out for you, put 'em in the comments below. When you hit that bell, when you hit the subscribe button and hit the bell for notifications, put subscribe tribe down below so I know you part of the fam, alright. We got multiple federal loans listed as late payments here, okay? I come across your YouTube channel and wanna know if you could point me in the right direction as far as late payments regarding student loans. Alright, they listed on my credit report about 15 times late, all the same account. This has damaged my credit severely, I'm sure. Alright, you want the help, you get the help. Alright, so, we have letters specifically for late payment disputes at 609creditrepair.com. Also, in the 609 letters, what you can do is underprovide physical evidence. On the template, you can put unverified late payments. Unverified late payments on student loans. If I was ever late, please show me proof. Okay, you can do thing with a goodwill letter. Now, I have a goodwill letter here, and each is to his own, so you'll need to modify for your story and why potentially you were late, or you were never late, and you can say, "I was never late, if I ever was late, please show me proof that I was late. If not, please promptly delete or update to paid, paid as agreement, paid in full with no late payments." All on time green payment history. Okay, goodwill letter, okay, a couple, few pages that goes on, and on, and on, and on. Okay, but if you were up-to-date now, so lets say you had 15 late payments this is on and on for maybe a year or so, but now it's been a few years, you all on time payment history, and you're looking at it, and you're saying, "okay, this stuff is seriously negatively affecting me, but I'm gonna go ahead and send a goodwill," and you have reason for your late, reasons for late. Yes, it can also be customized to say, "hey, I was never late, please show me the late." Or you don't have to say that you were never late, what you actually just say is, "hey, can you show me proof that I was late, can you please show me proof that I was late? If I was late, I understand, but I don't believe I ever was. You need to prove to me that I was late, and if I wasn't, you need to promptly update" as we discussed before to lead from the bureaus. That has worked, that has worked for many people, for my business partner, for a lot of people that I've worked with. This is all strategies for you that you can utilize and you can get the letters where? You know where-- 609creditrepair.com, or we can do this work for you at TheAwesomeLifeGroup.com, alright. So, get those lates squared away. Now, if you're really struggling, it's in default, I'm not 100% sure because you only said that they were 15 lates. You weren't letting me know if they were up-to-date now, so if they're not up-to-date now, and you really need to get them rehabilitated, you can do the rehab situation, get rehab. You can only rehab one time, so make sure you do the rehab process, usually, like nine payments. It comes out of default, it's all good on time payment history once again, and then you can either put it income-driven repayment program on it, you can start disputing it, ask for original instruments of indebtedness, that kind of stuff, to move your life on because I don't feel like the mistakes you made in your early 20s should affect you later down the road. You need to move on with your life. Get that dream home, that dream job, that dream business, travel the world for free, or do whatever it is that you wanna do. Live debt-free, just have that peace of mind for you and your family, so if you want that, and you wanna keep keepin' on with your credit repair, 'cause you know credit repair starts now, you wanna hit that subscribe button. Hit the bell for notifications. Next time I go live, if this video helped you out, please give it a thumbs up. Helps me keep doing what I'm doing. I appreciate you all out there so greatly. We have so many phenomenal subscribers here. And if you need any help, you can email me. I appreciate you guys, and until I see you in person, I'll see you on the other side. Take care.