ALL COURSES ARE LIVE 🚨 Every single course is now PUBLISHED and ACCESSIBLE to ALL members 🎉 No locks. No points. No waiting. 🔥 Newest additions now available: • 7-Day Collection Deletion strategy • How to Dispute & Remove Evictions • ChexSystems & Early Warning Disputes (bank account denials) As promised, any courses that are still missing video will be fully uploaded over the next few days. 🚨 IMPORTANT ANNOUNCEMENT – PLEASE READ If you’re in this community, I strongly encourage you to send at least 3 dispute letters on your own first using the courses and templates provided here. The goal is for you to learn and understand the process, not rush into paying anyone. That said, if you’ve exhausted your best efforts and truly want a team to handle it for you, I am opening up an EXCLUSIVE Skool-Member discount on our 6-month done-for-you package. Never before priced this low! ✔️ Money-back guarantee if nothing is deleted throughout the course of your contract ✔️ Immediate welcome email & portal access ✔️ Disputes sent right away 🚫 I am NO LONGER accepting new credit repair clients from anywhere else. This service is EXCLUSIVE to Skool members ONLY and membership will be verified. ⬇️ Sign Up Here! Thank you for trusting me and being part of this community🙏🏻 Let’s get to work 💪

Falling behind! Need help reaching next levels 😁 thank you 😊

When a credit bureau says an account was “verified,” most people stop. But under the FCRA, “verified” does NOT mean they proved anything. It usually means the furnisher responded electronically with “yes, this is correct.” Here’s exactly what to do next if you want to push for a deletion: 1. Immediately request the Method of Verification (MOV) Under FCRA §611(a)(6) and §611(a)(7), you have the right to know: - How they verified the account - What procedure was used - Who they contacted - Whether actual documentation was reviewed Send a letter requesting a full description of their verification method. This forces accountability and exposes weak investigations. 2. Pull all 3 updated reports and compare every detail After receiving your investigation results, check your new reports for: - Date of first delinquency - Date opened - Date last active - Balance reporting - Payment history accuracy - Status (open, closed, charged off, etc.) - Differences between Experian, Equifax, and TransUnion Any mismatch or inaccurate detail becomes a new dispute angle. 3. Send a new dispute focusing on ONE specific inaccuracy Under FCRA §607(b), the bureaus must ensure maximum possible accuracy.If even ONE detail cannot be verified, the entire account may need to be deleted. Examples of detailed angles to dispute: - Wrong payment history for a specific month - Incorrect date of first delinquency - Balance not matching original creditor’s records - Creditor name or account number reported inconsistently - Status not updating correctly Targeting one flaw makes it harder for them to verify. 4. If it’s a collection, demand validation directly from the collector. Under the FDCPA (15 U.S.C. §1692g), you can request: - Proof they own the debt - Proof of the amount - A copy of the original agreement - Evidence that you are the correct consumer If they cannot validate, they should not be reporting it. This strengthens your case for deletion with the bureaus.

I apologize for being a little MIA. I am visiting my family for the holidays and will be heading back home to the office on the 4th. I have some incredible things brewing for you all. Before anything else, I want to say I see you all working overtime to unlock courses, support each other, answer questions, and show up for this community. This is exactly what I dreamed this space would become and I am so proud and so thankful for every single one of you. Tonight’s raffle is cancelled, but that just means next week we will be picking TWO winners! Remember to share your screenshots of results and efforts and categorize them under “Wins!” to enter the raffle. Wishing you all a blessed week! 🎉

Happy Monday! Monday sets the tone for the entire week, so let’s set ourselves up for success. 🤑 One thing I absolutely love about Skool is the need to unlock the courses. It gives you the space to take your time, learn the basics, and build a strong foundation so the deeper stuff never feels overwhelming. I see you all putting in the work, and I’m so proud of each of you for making a decision your future self will thank you for. Don’t forget the raffle goes LIVE today at 3 PM! If you didn’t get a chance to enter this week, no worries. Next week is another opportunity! Let’s make it a productive and powerful week. 🤍 THANK YOU ALL FOR BEING HERE! With Gratitude, Melanie