To get your first round of disputes sent out within 24–72 hours, you must complete your credit monitoring first. This gives us the access we need to review your report and start working immediately. 💪 👉 Sign up here now: https://www.smartcredit.com/?PID=74396 Once you’re done, comment “DONE” below so we can move forward! 🔥

This is MAJOR! Many charge thousands for this information all FREE here in this community!

📘 FERPA Violation FERPA protects educational records and personally identifiable information (PII). Schools, servicers, and guarantors may not disclose this information to third parties (including credit bureaus) without written consent or a valid legal exception. 🚫 No consent = unlawful disclosure 🚫 No exception = FERPA violation ⚖️ Permissible Purpose Violation (FCRA) Under the FCRA, a furnisher must have a legitimate permissible purpose to: Access consumer data Share information with CRAs Continue reporting an account If a student loan is charged off, transferred, or no longer enforceable, continued reporting may lack permissible purpose.

When student loans are charged off, the most common violation is the original furnisher lacking permissible purpose to keep sharing your private information. Once the account is charged off: - Their purpose to report can expire - Continued reporting may be unauthorized - Ongoing data sharing can violate consumer privacy laws No permissible purpose = unlawful reporting.

Outdated addresses, phone numbers, emails, and past employers must be removed first. Why?These data points are used to auto-verify negative accounts that keep coming back as “verified.” If the personal info is: - Inaccurate - Outdated - Not currently verifiable ➡️ It must be deleted before disputing the account itself.