Hello, my name is [Full Name], and I’m calling regarding my consumer file. I have reason to believe that my personal information was compromised due to the recent TransUnion data breach. I am requesting the immediate deletion of any accounts that cannot be fully verified. Failure to comply will result in formal complaints being filed with the Consumer Finance Protection Bureau (CFBB), Federal Trade Commission (FTC), and the Office of the Attorney General. Can you confirm that you will initiate an investigation and promptly remove all unverifiable items from my report?

Here is how the 850 Credit Score is Calculated 👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾 Everyone Starts at 300 + 😐 There are 5 factors that make up your credit score... 1. Payment History= 192.5 points (35%) New Score 😀 492.5 2. Utilization -165 points = (30%) New Score 😀😃657.50 3. Age of Credit-82.5 points (10-12 years =15% ) New Score 😀😃😄 = 740 4. Mixture - 55 points (Revolving, Auto Installment, Personal Installment, Mortgage=10% = New Score 😀😃😄😆795 5. Inquires -55 points (3-5 max = 10% = New Score 😀😃🤑😄😁🤑😆😀🤑= 850 Notice that 65% of your score is payment history and utilization. Pay your bills on time and keeping credit cards utilization under 30% is good, but in between 2-10% is excellent. If you have derogatory items such as late payments, repossessions, evictions, medical bills ect. Those can be legally removed from leveraging the Fair Credit Reporting Act, even if you owe the debt. 💯🎯