Wishing everyone a very Blessed, Happy, and Merry Christ’s Bornday!!! 🎁🎄 ✝️⛪️ May your day be filled with joy, laughter and happiness!

Let’s get into the real sauce of credit repair: DISPUTES. 💥 A properly written dispute can remove: - Collections - Late payments - Charge-offs - Duplicate accounts - Inaccurate personal info...and more 👀 But you have to do it right. 🪜 STEP-BY-STEP: How to File a Credit Dispute 🔹 Step 1: Pull Your ReportsGet your free reports weekly at:👉 AnnualCreditReport.com Look for: - Late payments you didn’t make - Accounts you didn’t open - Incorrect balances, dates, or statuses - Duplicates or outdated items 🔹 Step 2: Decide How to DisputeYou can dispute in 3 ways: 1. Online (faster but less effective long-term) 2. By mail (the preferred method for results) 3. By phone (not recommended — no paper trail) 📌 Pro Tip: Certified Mail with return receipt is KEY when mailing disputes. 🔹 Step 3: Write a Simple, Direct Dispute LetterKeep it short and factual. Example: “I noticed an error on my credit report. The [account name] is not mine / contains inaccurate info. Please investigate and correct or remove it under the FCRA.” ✅ Include: - Your name + address - The account name + number - Clear explanation - Copy of your ID + utility bill (to verify identity) 🔹 Step 4: Send to Each BureauAddresses for all 3 bureaus: - ExperianP.O. Box 4500Allen, TX 75013 - EquifaxP.O. Box 740256Atlanta, GA 30374 - TransUnionP.O. Box 2000Chester, PA 19016 🔹 Step 5: Wait 30–45 DaysThey must investigate and respond within 30 days.📩 You’ll get results in the mail or online. If they verify without proof, that’s when we escalate 💼 (more on that in a future post). 💬 COMMENT BELOW:Have you ever filed a dispute before? What happened? Let’s talk results + next moves 👇

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