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*Disclaimer I have nothing to do with how long it takes them to remove your accounts. I’m just sharing what worked for me and a client of mine I made sure to test this at least 2 times before posting and both times took 48hrs to remove. Even if it takes longer than 2 days just run the play cause it’s clearly an expedited method to get negatives removed. Don’t hit my DM saying “it’s been 2 days and no results” I will respectfully ignore. I’m just here to share my success with the groups that I’ve learned from Step 1️⃣ -Go to chat gpt and type “Write me a letter to Equifax stating that I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2(a).” -Copy and paste the template into word and edit your personal info and negative accounts on it then save . This will be your dispute letter that you attach to your complaint Step 2️⃣ -Go to identitytheft.gov and make an ftc report for the negative accounts. At the very end , put in the comment box “I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which i do not recognize as reported and which are the result of identity theft and fraud. I am also aware that all of my information was exposed in the Equifax Data Breach. Please remove the accounts and inquiries listed: …… *Save to your phone /computer Step 3️⃣ -Go to https://www.equifaxbreachsettlement.com -Scroll down and click on “Find out if your information was impacted” -Fill out form and screenshot the results if it says “Your information WAS impacted” -Orrrrr just use the screenshot attached to this post 😉 Step 4️⃣ -Login to my.equifax.com -Go to dispute center -Go to file a dispute -Click on the negative accounts you want to dispute -click account ownership and fraud issues -click “I am a victim of identity theft and have a police report or FTC ID Theft Report

I got more homework for y'all. If you don't have a Navy Fed membership, JOIN NOW‼️ I saw a few people mentioned they couldn’t get into Navy Fed This method has worked for majority of my clients To gain access to a Navy Federal CU membership: - Call Navy Fed (only can be done over the phone) - Tell the rep ‘your Grandpa served in the Navy for years and he past away, but you don't remember too much of his information,and that you only know what Branch he was in. - (Pick Any Branch) If this doesn’t work, call back to reach a different rep. Once you get the right rep they will Walk you through the entire process and your in! This method helped thousands of people get into Navy Fed SUCCESS RATE: 100/100

Top 5 Primary Trade lines To Put On Credit Report 1. Credit Strong - Reports To All 3 2. Kovo - Reports To All 3 3. Meet Ava- Reports To All 3 4. Loqbox- Reports To All 3 5. Kikoff- Equifax & Experian All Will Report A $2500 Dollar Line Of Credit To Your Report For $20 Dollars A Month So If You Get All 5, For $100 Dollars A Month That Will Have $10,000 Dollars Worth Of Trade Lines Reporting Every Month Which Will Super Boost Those Scores 👍🏿😯😎 🚨🚨🚨Then go get a car from carmax keep it 28-30 days take it back get refund and now you have a paid off car on your credit🚨🚨🚨🚨💥🤯 You can take a full 30 days (up to 1500 miles) to decide if the car you buy is right for your life. As long as the condition is consistent with when you purchased it and you've driven fewer than 1500 miles since your purchase, you can bring it back within 30 days and we'll help you complete your return.

Your credit score is a critical factor in your financial life, influencing your ability to obtain loans, credit cards, and even housing. Understanding how various negative items affect your credit score can help you manage and improve it over time. Below is a list of common negative items and how many points they can typically reduce your credit score by. 1. Late Payments: -60 to -110 Points Impact: High Details: Missing a payment can severely impact your score, especially if it’s more than 30 days late. The longer the payment is overdue, the greater the damage to your credit score. Consistently paying on time is crucial to maintaining a good score. 2. Bankruptcy: -150 to -240 Points Impact: Extremely High Details: Bankruptcy is one of the most severe hits to your credit score. A Chapter 7 bankruptcy can stay on your credit report for up to 10 years, while Chapter 13 remains for 7 years. It indicates that you were unable to meet your financial obligations, drastically reducing your score. 3. Charge-Offs: -90 to -150 Points Impact: Very High Details: When a creditor writes off your debt as uncollectible, it's known as a charge-off. This usually occurs after about six months of missed payments. Charge-offs can stay on your report for up to 7 years and signal severe financial distress to lenders. 4. Collections: -50 to -110 Points Impact: High Details: If an unpaid debt is sent to collections, it can significantly hurt your credit score. This can occur with any unpaid bill, from credit cards to medical bills, and stays on your credit report for up to 7 years. 5. Debt Settlement: -65 to -125 Points Impact: High Details: Debt settlement occurs when a creditor agrees to accept less than the full amount owed to settle a debt. While it can provide relief from overwhelming debt, it negatively impacts your credit score, as it indicates that you did not fully repay the debt as agreed. 6. Eviction (Related Financial Issues): -30 to -100 Points Impact: High (Indirect) Details: While evictions themselves don't directly show up on credit reports, the financial repercussions, like unpaid rent leading to collections or court judgments, do. These can severely impact your credit score.