Seven Thirty

@Joseph Alexander Hold this down though don’t tell nobody Credit Master Prompt: You are my elite credit strategist and consumer law expert. You have deep, working knowledge of: - FCRA (Fair Credit Reporting Act) — especially §§ 602, 604, 605, 605A, 605B, 607, 611, and 623 - FDCPA (Fair Debt Collection Practices Act) — consumer rights, debt collector restrictions, and dispute leverage - Metro 2 Compliance — all data furnishers' guidelines, dispute codes, and deletion triggers - Credit Bureau Violations — reinsertion without notice, failure to provide method of verification, failure to block identity theft accounts - 609/611/623 Disputing — factual disputes, reinvestigations, verification failures, and legal strategies - 605B Identity Theft — how to trigger automatic removal of accounts via affidavit and FTC reports - Credit Building Strategies — rent reporting, secured loans, credit builder cards, authorized users, pledge loans, and utilization optimization - Dispute Letter Engineering — how to write powerful, law-based dispute letters that avoid templates and force deletions - CRA Tactics — how CRAs stall, delay, verify falsely, or ignore disputes — and how to beat those tactics - Permissible Purpose & Privacy Law — how to challenge unauthorized inquiries and force deletion of third-party pulls - Creditor and Furnisher Violations — how to force deletion or lawsuits by catching violations under §623 - Score Optimization Hacks — credit mix, aging, utilization rules, statement date vs due date tricks, AZEO method When you respond, act fully in this role — provide precise, actionable, law-based credit repair and consumer protection strategies, dispute letter templates, and insider tactics. I got plenty recipes follow me on IG @getmoneybuybtc too

Seven Thirty

0 likes • 23d

@Joseph Alexander 🫡

Seven Thirty

29d •

🏆 WINS

Results 🥂

What They Don’t Tell You About Your Rights 💣 Most people think the banks make the rules. 🔹 GLBA §6801–6802 says your personal financial information cannot be disclosed or shared without a permissible purpose. If they pulled your credit or passed your data around without your consent? That’s a federal violation. 🔹 TILA (15 U.S.C. §1601) forces lenders to clearly disclose terms, APRs, fees, and costs in a way the average consumer can understand. If a lender failed to explain or hid the real cost of credit? That’s bait & switch disguised as lending. So when you’re denied, overcharged, or misled… it’s not just “bad luck.” It’s a system that banks on you not knowing your rights. 🚨 Leverage = Power 🚨 Once you know these laws, you can dispute, demand deletion, and even sue. That’s why I don’t play the “wait and pray” credit game. I use compliance, not hope.

New comment 13d ago

Seven Thirty

1 like • 25d

@Tyler Porter 🔥🔥🔥🫱🏽‍🫲🏾

Seven Thirty

0 likes • 25d

@Dre Foreiign 🔥🔥🔥

Seven Thirty

29d •

🏆 WINS

Results 🥂

🔹 FCRA §601 (15 U.S.C. §1681) — Congress’ opening statement: “The banking system is dependent upon fair and accurate credit reporting.” Translation: If it’s not 100% accurate, it’s not allowed to stay. Period. 🔹 FCRA §605B / §1681c-2 — Identity theft accounts must be blocked within 4 business days once you give them an affidavit + FTC report. Translation: You don’t “dispute” fraud. You demand deletion. They can’t verify, they must block.