STEP ONE Download The Credit Karma App 2nd Step Go to accounts tab + Select the negative item and Select dispute items STEP 3: While in the dispute center DO NOT SELECT ANY OWNERSHIP Under Reasons select “This account is involved in litigation “ STEP 4: 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 If it doesn’t say deleted right then and there redo it a second time because sometimes the system glitches 75% Success Rate Also help each other out in the comments if help is needed ! GOO !!!

No need to worry with pulling your Chex system report ( EVEN THO WE WANT YOU TO REMOVE THE ISSUE ) " If you are in their data base these banks will allow you to skip around that verification process!!!!!

An Affidavit of Truth can assist with credit repair by providing a legally binding statement attesting to the accuracy of certain information. When used to dispute inaccuracies on your credit report, a properly executed Affidavit can serve as notification to the credit bureau, compelling them to verify the disputed items By providing an Affidavit, it can help decrease the likelihood of receiving stall letters during the credit repair process because once notarized, it attests that the information provided is your true identity and accurately represents your claims. This notarized document adds a level of credibility and seriousness to your dispute, encouraging credit bureaus and creditors to address and resolve the issues promptly. Here are various Affidavit of Truth templates for you to review and choose the best one to suit your needs. Selecting an appropriate template can ensure that your Affidavit is comprehensive and effective in supporting your credit repair efforts. 🚨WHAT IS A AFFIDAVIT🚨 An affidavit letter, when notarized, is a sworn statement verified by a notary public, which adds legal credibility. The notary public signs the document, confirming the identity of the person making the affidavit, making it more effective for credit bureau verification. Banks, credit unions, and notary public offices can sign as a notary.

Credit Sesame Backdated Rent Reporting Play 🚀 I say this one is the most underrated and best rent reporting app out of all of em. No landlord verification needed cause YOU will act as the landlord, no 🙅🏽 phone calls needed. Way more than 2 years of backdated history 🔥 1️⃣Download Credit sesame and enroll into Sesame+ to be able to report your rent 2️⃣Find a random house on Zillow or use your own or use a family members house , doesn’t matter. 3️⃣Create a new email for the name of the “Landlord” that for the property. (Make one up) 4️⃣Create a lease on formswift.com (http://formswift.com/) for the same address that you found and Landlord name should match the email you just created 💎💎On the lease MAKE SURE TO BACKDATE THE LEASE START DATE TO WHATEVER YOU WANT IT TO REPORT AS. I’m 26 so I backdated mine to 2016 so that 10 years backdated ! Just don’t backdate it too far back , anything before age 18 looks fishy on the profile. If your older than me I would say shoot for more years cause I don’t know what their max is 🤷🏽‍♂️ 5️⃣Once you have your the lease made, you’re going to upload it in the app and and fill out info for yourself and your “landlord”. 6️⃣It will ask you to sync your bank account , if you are currently paying rent every month you can use those payments when it tells you to select your payment for rent (whatever your rent is put that amount on your lease. If you don’t pay rent you can literally send money to someone you know or to a separate account that you own and select that as your rent payment . Their system does not know and will report it anyway and here’s why 👇🏽 7️⃣They are going to send an email to the “landlord” that you created an email for and ask “Did Jane Doe pay rent on time from x date to x date?” You are going to reply Yes and that’s it 🙌🏽🙌🏽🙌🏽 Backdated primary of several years . I like it better than rent reporters but doesn’t hurt to have both since they are both backdated

This is homework 📚 for the entire community increase your score immediately and help lower your utilization with NO CREDIT CHECK (HARD PULL) With the link below you can be approved for anything from $500-$2,500 credit card limit This will be your first credit card or a good Primary account💳 No matter where you are in your credit journey you can be approved 🔥 Be sure to link your highest balance PERSONAL debit card to the app for highest chances of approvals ‼️ Hit the link below ⬇️ Lets get it💰💳🔥 https://meetava.app.link/1hQJXF6rl0b Drop your approval in the comments below and in the big wins tab 🏆