Hey Family if you are having any issues with getting those stubborn charge offs removed, remember THE LAW requires them to block information in 4 Business days. ( AFFIDAVIT, FTC REPORT, CFPB, CERTIFIED MAIL FOR SECURITY ) Follow the steps here 👉🏽THE BIG 3 CREDIT SWEEP & Pull your reports ( EVERYONE SHOULD HAVE A ACCOUNT ) Whats stopping you from putting in the work?

🏦 Bank of America (BOA) Personal Credit Cards 1️⃣ Application for Two Personal Cards: • Cards to apply for: ✈️ Travel Rewards Personal Credit Card. 💵 Cash Rewards Personal Credit Card. • Personal details to input: 💰 Annual income: $110,000–$135,000. 🏠 Monthly rent: $2,500. 👔 Occupation: Psychologist, Doctor, or Police/Law Enforcement. 2️⃣ Simultaneous Business Card Option: • After applying for two personal cards, you may apply for one business card: 💼 Recommended: Travel Rewards Business Credit Card. 3️⃣ Alternative Approach for Business: • Skip personal cards and apply for up to five business credit cards. 🏦 Recommended if the client has a BOA business account. 4️⃣ Sole Proprietor Option: • If the client lacks an LLC but has a relationship with BOA: 💰 Business annual revenue: $200,000–$217,000. 💵 Personal annual income: $120,000. 👨‍💻 Employment: Marketer or Engineer. ⚠️ Avoid using household income (can lead to denial). 📌 General Guidelines for BOA and Other Institutions 1️⃣ Employment and Residency: • For employment: 📍 30–50 years old or older: 20+ years of job tenure. 📍 Under 30: At least five years of job tenure. • For residency: 🏠 Client has lived at their residence 5–10 years or more. ✅ Can state “rent-free” or “owns home free and clear.”

🔥 1. 15 USC 6801 — Gramm-Leach-Bliley Act (GLBA) Purpose: Protects your nonpublic personal information How to use it: - Holds financial institutions accountable for safeguarding your private data - Use this when questioning how your personal information was shared or reported - Powerful when accounts appear without clear authorization or data protection 🔥 2. 15 USC 1666b — Timing of Payments Purpose: Governs how payments are credited How to use it: - Dispute late payments that were actually paid on time - Creditors must apply payments as of the date received - Useful if: Payment was misapplied Processing delays caused a false late mark 🔥 3. 15 USC 1681c-2 — Block of Information Purpose: Allows blocking of inaccurate or fraudulent data How to use it: - Demand removal of negative accounts tied to identity theft or errors - Credit bureaus must block the information within 4 business days (with proper documentation) - Strong tool for rapid deletion of harmful accounts 🔥 4. 15 USC 1692 — Fair Debt Collection Practices Act (FDCPA) Purpose: Regulates debt collectors How to use it: - Applies ONLY to third-party collection agencies - Use to: Stop harassment or abusive practices Request debt validation Challenge illegal collection tactics 🔥 5. 15 USC 1681i — Procedure in Case of Disputed Accuracy Purpose: Governs the dispute investigation process How to use it: - Use when: Accounts come back “verified” without proper investigation Deleted accounts reappear on your report - Credit bureaus must: Conduct a reasonable investigation Respond within 30 days - Key for forcing accountability in reinvestigations 🧠 How to Apply These Together - Start with 1681i → dispute inaccurate info - Use 1681c-2 → block harmful accounts fast - Apply 1666b → fix late payments - Use 1692 → pressure collection agencies - Leverage 6801 → challenge improper data handling

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!!!!!