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hey guys Christmas expert kind of sweets here so today I'm going to show you 14 different creditor violations that we have spoken about before if you go back and look at the creditor violation videos you will see these but I'm going to show you the specific ones that I've used to remove 217 negative items over a 45 day period okay so this is how prevalent they are and my little PowerPoint things came up backwards so don't mind all right don't mind my powerpoint issues okay so if you have disputed an account and the bureau's in the creditors have failed to correct update remove whatever and there's mixed files and accurate deed of status or data blast activity and accurate balance and accurate remarks they are probably either ignoring you or they're just remember this is all automated so they just don't give a crap so what you need to do is if you've already notified the creditor via you know credit bureau directly and they didn't correct it delete it then you need to go after them for failure to perform a proper investigation so what you do is you send a new dispute letter a simple one right that outlines the same information as the original dispute and explained very simply once again that you provided factual information that is the key word here factual information directly from your credit report okay so how can they verify inaccurate info as accurate how can three bureaus report three different pieces of information and yet state that it's correct it's because everything is automated there is no investigation there are no people there is nothing it's just a simple thing between one computer and another oh this is what the disputing matches the Mac the records it's verified okay so you need to put them in their place and you need to show them and prove to them that that what they are reporting is frickin inaccurate and it has to be removed or corrected okay then what's flying written for my face okay so the one of the violations would be reporting a charged off account without reference to they did have stat or date of last activity okay so the number of times in the past 48 hours just 48 hours that I've seen charge-offs without the do s or do la is approximately 25 out of a hundred and two okay so that's approximately 1/4 guys that is a big big number so your dispute reason could go something like this just delete account immediately for failure to report the do la this is a violation when I say keep it simple like I'm literally saying keep it simple all right okay is where do we go okay failure to report an account disputed by consumer as disputed to the credit bureaus so fcra section 623 and FDCPA section 806 be state that the creditor must must enter a notice of dispute if this is not entered in that account cannot report on the credit report okay so this is actually the main reason that the VOD validation of data that actually worked so well creditors normally do not enter this so when you are disputing your third party debt collection collections you once you actually dispute with the collection agencies first even if it's by a couple days okay normally you want to actually be like three weeks or so but you want to make sure that they are not entering that in there you pull a new report on the 31st day to verify not only did they not verify that account but they didn't enter the required notice a dispute now if you dispute directly with the bureau's first which is going what is going to happen is that the bureau's are going to enter the notice of dispute which you don't want them to because you want it to be in violation you want it to be removed okay so for creditors you do need to dispute with the you know bureaus first but you will see a lot of the times that the required notice dispute is not on there all right so with enquiries the only permissible reason for them to pull your credit I'm missing one of them on here but it's employment insurance court order or firm offer of credit so what that means is that if they did not give you a firm offer of credit then they should not have pulled your credit and it should not be on there if there's none an account attached to it okay so you can very simply write out a dispute letter that says that but you can also find a template somewhere on the internet that has this information okay so the only permissible purpose is a firm offer credit okay next one is let me just go figure out which I used arrows okay so Oh transfer are selling an account to another company without reporting the transfer and or a zero balance okay so I see this one like all the time I have showed you guys even what this actually looks like I've showed you actually all of these what they look like okay so if the original creditor and the collection each museum or a new company reporting that can't have a balance it's a violation so if the account was not marked as transferred or sold it's a violation so to creditors reporting the same account and both with the actual balance it's called double jeopardy and that's a violation so let's say that you you have an account with company a and it was sold to Company B but company a is still reporting the balance it's a violation it's also a violation if there's a monthly payment still if there's a balance and if there's a past deal all right all of that information should be reported by company B whether it's another you know creditor or if it's a collection agency all of that should be with company B so next one is going to be about bankruptcy okay so failing to update the status and/or balance of an account that was included in bankruptcy as discharged with a zero balance so what you do is one you include all accounts in bankruptcy that are supposed to be included in the bankruptcy number 2 remove the bankruptcy number 3 remove all included accounts so what that means is that if you go and remove the bankruptcy now why does it say that these accounts were included in bankruptcy if there's no bankruptcy you have to remove these accounts like that just doesn't make any sense including what bankruptcy that's why you need to remove the bankruptcy first another way to go after that accounts that are included in bankruptcy is just the regular you know factual-based disputes so that you can just remove the entire freakin thing ok next one ok withholding account data with intent to negatively affect a consumers credit score so the credit limit balance account status etc and once again I have showed examples of this so that would be like Capital One and credit 1 always reporting accounts without the limit like why why do you do that like does it cost you more like how does it maybe sense if that limit is supposed to be there so without my other creditors know how much money you gave me like not money about you get what I'm saying like why is it on there it also affects utilization and it affects a bunch of stuff so you need to dispute that account this also can be used as an indirect dispute technique alright so to raise your credit score and all that kind of stuff because you do a utilization but if it's a negative account you want to use it to remove that account because of the violation all right so go back and look at the video on indirect techniques there is a playlist for that okay so withholding where'd you do that one reporting a new duplicate account after receiving notice to dispute on the old one is that one nope with over the next one okay here we go reporting an account with false reference or without reference to the original creditor and/or account number you will always always Oh see this with Equifax so if you have medical collections more than likely I would say like nine point nine percent at the time you're going to see that Equifax reports one of the collections as unknown there is literally no creditor name address or phone number and also on that point section 623 states that if account can be possibly negative there must must be an address conspicuously listed for you to dispute like what how how are you saying that this has been verified if there's like nobody to verify this with or to send disputes to or like question or anything and for that matter if you don't know who it is then how the hell are you verifying it okay so you're just be you know excuse me your dispute might look something like this remove immediately for failed failure to identify the creditor name address or phone number this account cannot be verified all right so that is basically it on the violations 14 of own that remove two hundred and seventeen negative items in the past 45 days that is how prevalent these things are and that's why it's so important that you know these things now if you don't have time to figure this stuff out and you want an expert to take over your file then I did come out with the November holiday special okay so you can find it at expert credit.com ford slash special and you can also save two hundred and fifty one dollars during the month of november over the regular cost so anywho that is it from expert credit sweeps and as always if you would like to schedule appointment you may do so at expert crannis a comp or slash book online or by using the alternate link down in the description of any in every video all right so I will see you guys what is today today Sunday I will see you guys on Wednesday for a regular video I hope you guys have a wonderful evening from expert crowd of sweeps or day because I guess I'm scheduling this for the day have a great one bye