1st Step
Download The Credit Karma Application
2nd Step
Go to accounts tab. Select the negative item and Select dispute items
3rd Step
While in the dispute center DO NOT SELECT ANY OWNERSHIP Under Reasons select “This account is involved in litigation “
4th Step
Put this for the comment section “I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens (Mo) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists”
Please Note
This is something you may have to complete a few times if it doesn’t work right away. Persistence and consistency is key. Help one another as well!!