I’ll include: 1. Letter #1 – 609 Verification Request (to Credit Bureaus) 2. Letter #2 – 623 Direct Dispute (to Student Loan Servicer) 3. Letter #3 – Escalation Follow-Up (to CFPB / AG if needed) 📄 LETTER #1 – 609 Verification Request (to Credit Bureaus) Send To: Experian, Equifax, TransUnion Subject: Request for Verification under FCRA §609(a)(1)(A) Your Name: [Client’s Full Name] Address: [Client’s Address] Date of Birth: [MM/DD/YYYY] SSN (last 4): [XXXX] Date: [Today’s Date] To Whom It May Concern, This letter is a formal request under the Fair Credit Reporting Act (FCRA) §609(a)(1)(A) for verification of all student loan accounts listed on my credit report under my name. I am requesting full documentation to substantiate the accuracy and ownership of the following accounts: Account Names/Numbers: [List each student loan account as shown on the report] Pursuant to the FCRA, please provide: 1. The original signed promissory note bearing my signature. 2. Full payment history, including date of last activity. 3. The name and address of the furnisher reporting this data. 4. All source documentation used in your verification process. If you are unable to verify the complete accuracy of these items, they must be deleted immediately under FCRA §611(a)(5)(A). Please send your response to the address listed above within 30 days as required by law. Sincerely, [Your Full Name] Signature: ______________________ (Include copy of ID and proof of address) 📄 LETTER #2 – 623 Direct Dispute (to Student Loan Servicer) Send To: [Servicer Name – e.g., Navient, MOHELA, Nelnet, Aidvantage] Subject: Direct Dispute under FCRA §623(a)(8) – Inaccurate Student Loan Reporting Your Name: [Client’s Full Name] Address: [Client’s Address] Date of Birth: [MM/DD/YYYY] SSN (last 4): [XXXX] Date: [Today’s Date] To Whom It May Concern, I am writing to dispute the accuracy of student loan information your company is furnishing to the credit reporting agencies.

If you’re building or scaling your business right now, these 0% interest cards are power moves 👇🏾 🚀 Ameris Bank Business Card -0% APR for 18 months 🚀 Associated Bank Business Card - 0% APR for 18 months 🚀 Flagstar Bank Business Card - 0% APR for 18 months That’s a year and a half of free leverage if you play it smart , perfect for stacking equipment, marketing, or inventory without touching your cashflow 💰 Use credit the right way, let the banks fund your growth. Road to funding-ready never looked this clean 🔥

You: Hi, I was reviewing my credit report and noticed a few hard inquiries that I don’t recognize. I’d like to have them investigated and removed if they weren’t authorized by me. Can you help me with that today? If they ask for details: Sure — I can verify my identity first if needed. The inquiries I’m referring to are from [insert lender name(s)] dated [insert date(s)]. I never gave written permission or signed any credit application with those companies, so I’d like those removed under the Fair Credit Reporting Act. If they push back or say to contact the creditor: I understand that, but according to the FCRA, you as the credit bureau are required to verify that the inquiry was made with my authorization. If the company can’t provide proof of my signed authorization, that inquiry must be deleted from my report. If they agree to investigate: Perfect, thank you. Can you please provide me with a confirmation number for this dispute and tell me when I should expect the results?

Most people sleep on Valley Bank, but they’ve been around for over 90 years and play heavy in the business + personal credit lane 💡 ✅ Why Valley Bank? - Relationship-based → they like clients who bank AND borrow with them 🤝 - More flexible underwriting than some “big name” banks 💪 - Personal + Business credit cards available 💳 - Solid for lines of credit & SBA loans if your profile is set up 📊 ✅ What They Pull: Primarily Experian (personal) 🔍 — but ALWAYS check before you apply (location matters too). ✅ Pro Tips: - Open a checking/savings first → build that relationship 📂 - Keep utilization low and payment history clean (they’re conservative lenders) 📉 - Use them as a secondary bank to diversify funding sources 🏦 - If you’re playing the biz credit game → line up your EIN, DUNS, and biz checking before applying for business lines 💼 💡 Lesson: While everyone is chasing the same 3–4 banks, Valley Bank can be a low-key funding cheat code if you move smart.

📜Trump or not, these LAWS BEEN ACTIVE! Now let’s break it down like a boss. 💥 If you're out here fixing your credit, don’t sleep on these codes — they’re your POWER in the game: 🧾 Collections – 15 U.S. Code § 1692C 🚫 Charged-Off Accounts - 15 U.S.C. § 1681s-2(b) ⏱️ Late Payments - 15 U.S. Code § 1666B 🔍 Hard Inquiries - 18 U.S. Code § 1028A 🚗 Repossessions - 15 U.S. Code § 1601 🎓 Student Loans - 15 U.S. Code § 1681 AND HERE’S THE JUICE 🧃: If a credit bureau refuses to delete inaccurate info AFTER you dispute it, you can sue for up to $1K PER ITEM under 15 U.S.C. § 1681n 🧨💸That’s civil liability for willful noncompliance. 👨🏾‍⚖️ Need backup? Tap in with a consumer lawyer in your state via the National Association of Consumer Advocates. 📣 Don’t just complain, COMPLY & CONQUER. 🛠️ Credit repair is legal. 💪🏾 Use the law.🧠 Move smart.Let’s goooo!!!