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hi guys did you notice your collections charge offs late payments anything negative on your credit report can be considered fraud it actually is fraud actually the technical turn is called willful non-compliance in today's video guys I'm going to show you how you can remove any and everything from your credit report in 30 days using the fraud hack guys stay tuned welcome back to the channel guys if you're new to the channel I'm crit Coach Q and I created the first cloudbased software it allows you to put your career repair experience to your own hands if you're new to the channel I'm super super excited because I have a banger today's video guys we're going to show you step by step on how you can use the fraud method to remove literally anything from your credit report guys before we begin to the video guys please like And subscribe to the channel it allows you to push this content to our water audience and allows us to leave the lights on guys speak like subscribe to the channel if you have anything to Rocket to in your credit report I mean anything negative charge offs late payments bankruptcies medical bills guys you name it please go over to mycredit approve.com it's the website in the software that I was telling telling you about that allows you to put the full experience to your own hands guys people are removing thousands of dollars worth of debt by themselves they are no longer using credit repair companies are putting this information in this experience into their own hands and appreciating on a deeper level guys please go to mycredit approve.com check out the software and start removing these items guys if you have anything derogatory on your credit report now let's dive straight into the meat and potatoes of this video Welcome Back to the channel guys in today's video we're super super excited because in today's episode of credit talk we're going to break down how you can remove everything from your credit report under the pretenses of fraud yes guys I said fraud sometimes your collections can be considered fraud in today's video we're going to break down step by step on how to remove literally everything from your credit report under the pretenses of fraud so let's dive straight in I want to welcome in and my co-host Miss Tina talks credit welcome back to the channel Miss Tina so guys we have a super super exciting video for you guys today we've been dropping straight Gams over the course of the last couple of weeks and today's video is not going to disappoint so what I want you guys to do is to get a notebook and a pen and paper because this is going to be a lot of meat and potatoes and it's going to give you a fullprof method if you have went through credit repair in the past if you have had any type of credit repair experiences that did not pay over well for you you have your verified responses back from the credit bureaus anything like that this video is going to give you every breakdown you need to basically start a new round uh to get everything removed so let's dive straight in so I want to share my screen a little bit and show you exactly the breakdown on how we're going to do this so as you can see it say willful non-compliance is fraud so willful non-compliance is a terminology that the credit bureaus are waiting for when it comes to fraud right so willful non compliance is basically when you send your dispute to the credit bureaus and you basically show them everything and why it is wrong why your credit report is wrong why this needs to be removed and they still sent you back in response saying that it is verified that is called willful non-compliance now willful non-compliance can possibly also be if they just not comping to the investigation at all so they don't respond or anything like that that is considered fraud so uh FC violations under the fcr1 15 USC Consumer Report agencies are required to ensure the maximum possible accuracy of the information they Report with neglect non-compliance with these requirements can result to civil liabilities including damages and attorney fees so guys we have seen people actually get money and awarded Millions just because they have pursued willful non compliance and basically sued the credit bureaus for fraud U number two fraud versus inaccuracy a lot of times people like to dispute using the inaccuracy method but this is the fraud method fraud involves intentional deception for personal and financial gain which would require evidence or deliberate intent so this basically is something like bad faith so in Insurance bad faith is basically the insurance adjuster moving in bad faith when it comes to your case so it's something similar to that and the liability for non compliance when willful non compliance can consult to fraud if the credit bureaus knowly provides false information or actively avoids correcting inaccuracies or financial malicious purposes this could align to fraudulent behavior that the definition of wiffle is a v is a violation is considered whle if it's inconsistent with authoritative guidance from a relevant agency it's also considered willful if the credit reporting agencies act recklessly meaning they knew or should have known they were violating the FC so guys this is a very very powerful method like I said if you have any type of past credit repair experiences and you know you had a good case and they still do not remove the debt guys this method is going to work wonders so now what I'm going to do I'm going to send it over to the goat the guot the greatest woman of all time in the credit space I'm going to send it over to my co-host Miss Tina TOS credit she's going to break down how this method is so powerful she going to give you guys all the sauce so I'm going to send it over to you Miss Tina all right basically willful non-compliance is nothing but fraudulent misrepresentation so with that being said now if if you're disputing something I don't care if it's a charge off account a late payment or collection or what it is even if it's just personal information if it's inaccurate and you have disputed it at least once with the credit bureau with correct supporting information so that they can't flab it flaged as privileg then you've given them a chance to correct what is wrong so that basically puts them into willful non-compliance if they send you back a letter stating that something is verified that you know for sure that is reported inactively in you sent them in the proof that is actually reporting inaccurately so what you can do is you can actually file an actual FTC fraud report against the credit bureaus themselves or even if it's the actual creditor for willful non-compliance this works all the time guys so when you do this I highly suggest that you use a like a Affidavit of fact and Truth on that so basically you'll basically like use it as a dispute letter slash affid the fact and Truth well you'll attest to the truth of exactly what you did exactly what the credit bureaus are inaccurately reporting on your credit report whether you're disputing different fields or if you're using metro 2 codes if the account status is incorrect and you keep telling them that and they're not fixing it willful noncompliance basically fraudulent misrepresentation so I will tell you a few things about willful non-compliance just so that you have a better understanding about what it is and how you can use it for your particular situation now for example if you have an older account that even reports one day past the seven-year statute of limitations and you let the credit bureaus know that they don't fix it then that's willful not compliance that's fraud because they are misrepresenting you on your credit report while still selling it might I add to the creditors or whoever else wants to buy the credit monitoring people and all that stuff so that's fraud so just to give you like some examples of what the different types of things that could constitute willful non-compliance SL fraudulent misrepresentation IS F you to correct or remove verified errors that's basically if you're sending them in sub showing them how something is in air failing to acknowledge evidence of identity theft oh that's a big one now if you send in FTC report or a police report clearly stating that you are experiencing fraud or you don't know where this account came from and they still leave it on your credit report that is most definitely fraudulent misrepresentation willful non compliance I would definitely just do an Affidavit of fact and Truth attest to all of my truths attach any reporting documentation that you used in the initial dispute with them and definitely put in whatever it was that they sent back to you or even if they did not send anything back to you and then use the cfpb as a form of escalating the dispute to get that through and that should work for you you shouldn't even have to go take it a step further to where you're actually stewing them but yeah it's that's a big one so because with FTC report it usually works like go with getting stuff off your credit report reinsertion of previously removed items now a lot of people have had this happen I've had happened a couple of times in my younger years of disputing where if you dispute something they legally take it off after their investigation and then a month or two later you see them put it right back on your credit report with no acknowledgement they did not contact you so it's like they're they're breaking the Fair Credit Reporting Act 5day reinsertion law if they do not contact you within 5 days of reinserting something back on your credit report that is willful non-compliance because during their 30-day investigation that they are legally allotted it they had time to figure out what's going on with the account and then they chose to delete it for a lack of information or for whatever the reason was so they can't just do that don't let them get away with it another thing is intentional or Reckless misrepresentation that could be basically anything like overlooking systematic errors like if you're disputing using metro 2 codes and you know you put your codes in correctly and they are like required Fields because you know how Metro 2 has like lots of fields that are required and then they have fields that are there but they're not NE necessarily required so anytime they're not filling in the fields that are required then and you let them know that then that's willful non-compliance as well but um that's it may be a little bit too deep talking about I'm sure another video so willful non compliance guys in a nutshell is basically you building a case and the case is solidified by facts everything is that you're sending to the credit bureaus is presented by facts you are already Led Out regardless of the method that you're disputing under now if you disputing under Metro to factual disputing if you're using section 609 any method that you're using and is based under fact and they do not remove it and they send it back verified that could be considered as willful non-compliance guys so that all you have to do is build a good case if you build a good case and they do not remove it you are eligible for this fraud hack rightly it's most powerful when you use a FTC fraud report because it is fraud so real quick I do want to show you guys just in example Affidavit of fact and truth that I put together to give you an idea of how you can construct your dispute letter so this is the Affidavit of fact and truth that I wanted to show you and again you can get this affidavit in H's software my credit approved where it's there and ready for you to use just like this same thing it's the good stuff so definitely if you go to my credit approve he's going to give you the good like all the stuff that we use so this is just the affidavit this is you know all the format here I'm not going to go into reading all of it but you can see what I'm disputing so this is just going to be two specific fields that I'm going to give an example of because of course if you're going to get them for un willful non compliance you're not you know necessarily going to be always disputing the entire account you're going to be disputing SE several different things in it so this is just an affidavit that's going to go to one specific credit bureau so we're calling out on this one and it's only highlighted to show you where I'm going after the balance and it says does not match records the date open in accurate does not match records and of course I'm giving them the fair credit report for compliance all of that information is going to be there and of course I'm going to tell them that this is the notice of willful non-compliance and I'm going to give them of course everything that they should already know which is what can happen to them you know if they're you know caught for doing this and also as with any kind of dispute letter you always want to hear me say so notice of willful non-compliance so you definitely want to have that in your dispute letter and this is going to tell them like what's going on and what um can happen to them if if found guilty of this and you're going to request a correction or removal you can just request a removal if that's your preference um whatever works for you and this is the initial affidavit which should be the only affidavit that you should have to send to them but basically this is letting them know that we are giving you a chance to resolve this matter before you know we take further steps because you know you can sue them for this and of course you're going to have your affidavit notorized you're going to do your FTC report if that applies to you and for me I would probably go straight to escalations and what I mean by that is just to follow complaint with the cfpb and upload all this information into their website so that way I least have the government as the middleman you know dealing with this right here but if you want to mail it out that's fine too but this should get you what you want you know as far as willful noncompliance and them correcting things or deleting things man that's that's super super powerful man like guys the affidavit effects is so powerful because it is a actual legal document credit beers are not used to seeing affidavits they just not they used to seeing dispute letters and templates and things like that but when they get an affidavit they take the case very seriously because it becomes serious at that point guys like I said if you want to do any of this matter of fact if you want us to show you step by step on how to file this with the cfbb the FTC or in with the m credit approved type credit repair inside of the software now guys if this is is just too much for you and you a little intimidated by the whole process and if you're lost guys go to Tina toss credit go to a channel her link will be in the description below her and her staff will handle all of this for you step by step you won't have to worry about doing it right or anything like that if you want to do it yourself and do it have a cheaper route you can do everything that we teaching you hands on inside the my credit approved software guys like I said type in the uh comment section credit repair if you want us to break this down even further now guys now she do have her own process her own company so if you like I said if you want to handle this yourself go to my credit proof if you want her to handle it guys she is the go of credit repair that's why she's on this channel because she is one of the best if not the best in the country when it comes to this dispute process and I just wanted to give you guys don't ever say I didn't do anything for you guys because Breo on this channel is going to help you guys transition and get everything removed like if you can't get the stuff removed from these affidavits and these methods then you just need to probably hire a person hire um hire Miss Tina and and have her do it personally but yes guys uh I think that this is a lot of sauce a lot of meat and potatoes in this episode and yeah guys I'm super excited leave a comment in the comment section to let us know if you need any additional help you have any questions or concerns about the video going further um did you have anything else to say before we get out of here miss te nope I'm good I just hope these videos are helping you guys absolutely absolutely all right so I don't know why we got a thumbs down that's weird but um all right guys until next time take care of your credit and take care of yourself credit Coach Q out peace