Hi everyone 👋🏽 I have a question!? I started off two months ago with a 502, 567, and a 499 credit scores. Two months later I'm at a 718, 723, and a 736. I have gotten mostly everything deleted from my credit report except for 3 collections (Transfinancial hospital bills), (Equifax won't remove the 12 hard inquiries. I've tried everything 🤦🏽‍♀️) and I added 6 tradeline accounts but for some reason these 3 collection accounts keep coming back updated and verified. Someone please tell me what am I doing wrong? I've sent over letters after letters and I've opt -out and frozen all secondary bureaus. I have also made multiple complaints with the cfpb and FTC. Nothing still🤦🏽‍♀️

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I wanted to provide some insight for anyone having difficulty getting deletions from the credit bureaus. Please read the FCRA (15 USC 1681). This federal act outlines the credit bureaus' responsibilities when a consumer identifies an account that is incomplete or inaccurate. If this act is violated, you can sue for statutory damages and actual damages which could lead to possible deletions like me and Smitty. If anyone is serious about this, we can form a study group to read and discuss the FCRA.

I’m here to learn, connect, and provide value! Can’t wait to engage with you all. Drop a 🔥 if you're ready to win together!

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