📍Step 1: FREEZE MAIN 3 CREDIT BUREAUS (EXPERIAN, EQUIFAX, AND TRANSUNION) -FREEZE SECONDARY BUREAUS 📍Step 2: UPDATE PERSONAL INFORMATION 📍Step 3: REMOVE HARD INQUIRIES 📍Step 4: IDENTITYTHEFT SWEEP FACTUAL DISPUTING 📍Step 5: Round 1 Letter – Direct Dispute to Credit Bureaus When: Day 1 Who to Send To: - Equifax - Experian - TransUnion What to Include: - Original dispute letter (like the one we already wrote) - Copy of government ID - Proof of address (e.g., utility bill, bank statement) - Screenshot or documentation of the errors (optional but helpful) Delivery Method: Certified mail with return receipt Wait: 30 calendar days (bureaus have up to 30 days to investigate under FCRA §611) 📍Step 6: Round 2 Letter – Follow-Up / Escalation When: Day 31–35 (after no deletion or unsatisfactory response) Who to Send To: - Same credit bureaus (Equifax, Experian, TransUnion) What to Include: - Second (round 2) letter - Copy of the first dispute letter - Mention of FCRA violations and noncompliance - Re-emphasize specific errors and demand deletion - Copy of your ID and proof of address again Wait: Another 15–30 days for a formal reply or deletion 📍Step 7: Creditor / Furnisher Direct Dispute (Optional but Recommended) When: Same time as or right after Round 2 Who to Contact: - The creditor or data furnisher (in this case, MID-ATLNTC or whoever owns the account now) What to Include: - Copy of the credit report - Explanation of inconsistencies - Same FCRA and Metro 2 issues - Demand deletion or correction from their end Why: Under FCRA §623(a)(8), they must investigate direct disputes and respond. 📍Step 8: File Complaints (If No Action Is Taken) When: Around Day 60–75, if no resolution Where to File: - CFPB: consumerfinance.gov/complaint - FTC: reportfraud.ftc.gov - State Attorney General's Office Attach: - Copies of both dispute letters - Credit reports showing the account - Mailing receipts and any response from the bureaus

INTRODUCTION 🚀 PROFIT OFF CREDIT UNIVERSITY ENGAGE! ENGAGE! ENGAGE!This only works if you interact, ask questions, share results, and help others win. 🌍 COMMUNITY This is YOUR space. Everyone is free to post, ask questions, share results, and drop gems. 🔹 TABS GENERAL DISCUSSIONS – Post and engage with others. HIDDEN GEMS – Bonus plays & bank hacks. PLAYS – Bank plays (ex: Lightstream Auto Loan). REMOVALS – Share deletions you’ve gotten for yourself or your clients. QUESTIONS – Ask anything! If you know the answer, help others by engaging. 🎓 CLASSROOM Step-by-step instructions on: - Updating personal information - Removing hard inquiries - Deleting collections/charge-offs - How to obtain $30K+ in personal funding ➡️ Follow the classroom in order, and by the end you’ll know how to secure $30K+ in funding. 📅 CALENDAR Stay updated with upcoming Zooms and events. 🏆 LEADERBOARD The more you engage, the more information you unlock and the higher you level up. 🎁 Monthly giveaways for top leaders! 🔥 Thank you for joining — and welcome to Profit Off Credit University. Let’s win together! CLICK ON THE LINK BELOW AND INTRODUCE YOURSELF TO GET YOUR FIRST ENGAGEMENT OF THE GROUP AND A HEAD START TO UNLOCKIG THE NEXT LEVEL OF INFORMATION https://www.skool.com/profitoffcredit-university-9697/hey-welcome-to-profit-off-credit-university?p=faa208c6 Hey Introduce Yourself And Let The Community Know Where You’re From And A Fun Fact About Yourself Under This Post👋🏾🤝🏾 And Pick An Option For Why You Are Wanting To Fix Your Credit📈💎

Happy Monday 🤗 “The future depends on what you do today” the power of present actions

Goodmorning👋🏾 It’s A New Month And The Start Of The 2nd Half Of The Yr, Don’t Be The Person Come New Years Stuck In The Same Place You In Today. Start Your Journey To The Life You Want Now. Lock In And Let’s Have A Great End To This Yr And Start 2026 Up And Running

If you want me to look over your report and tell you exactly what you need to do make an account for $1 on https://www.identityiq.com/sc-securemax.aspx?offercode=431291AB and inbox me your login