Hiiii, After submitting validation letters to all debt collectors, I have only recieved one letter requesting that I submit a credit report proof showing that the collector is on my credit. Since I have not recieved proof od debt validation information, can I now dispute them directly through credit bureus? Also debts that were charged off 3 years ago is it recommended to do a debt validatioj through credit bureus? So far I got another debt collector that was on my account twice deleted of a balance that was being reported through two collectors.. another win-win🎉

Before I started my business I was always in the 700-800’s club. I was always a bit irresponsible with cc but things got paid. Fast forward to today; I made some bad investment and financial decisions and now my Credit Karma says I’m in the 500’s. 😖 a few late payments and a stupid loan that tanked my score. Never apply with upgrade. I have to move in October and I’m hoping I can move the needle so that I am not denied on rental applications. I’ve paid for credit repair in the past (TD bank) I negotiated, but my credit has never been this low. This time around I told myself “honestly I think I can do it”. I’ll update you all with my future results. Thank you!

If you're new here and haven't finished the courses yet, this simple goodwill tactic can quickly recover major points lost to recent late payments: - Identify the Mark: Pull your official credit report and locate any late payments from the last 24 months. - Speak With a Manager: Visit a local branch in person (or call customer service if they have no physical branches) and ask directly for a manager. - Share Your Hardship: Explain the specific personal or financial hardship that caused the missed payment. - Highlight Real Impact: Share what this negative mark is currently preventing you from achieving, such as buying a home, renting an apartment, or securing business funding. - Express Genuine Loyalty: Let them know how much you value their institution and their customer support. - Offer a Preventive Solution: Show that you're proactive by offering to set up AutoPay, overdraft protection, or a backup payment method to ensure it never happens again. How Late Payments Impact Your Score & Why Lenders Focus on the Last 2 Years • The Immediate Scoring Hit: Payment history makes up 35% of your FICO score. A single payment that is 30+ days past due can cause an instant drop of 100 points or more. • The 24-Month Underwriting Window: While negative marks can remain on your credit report for up to 7 years, scoring algorithms and human underwriters place the heaviest weight on recency. Mortgage and auto lenders scrutinize the last 12 to 24 months as the primary indicator of your current financial stability. • The "Clean Slate" Requirement: An older late payment carries far less mathematical weight over time, but a late mark within the last 2 years signals immediate active risk, frequently leading to higher interest rates, stricter approval conditions, or outright loan denials. Have you ever tried asking for an in-person goodwill removal, and how did the branch manager handle your request?

Hi everyone! After watching so many videos and getting inspired by Melanie through her videos.. I took the initiative to finally start fixing my credit by myself. Sent a total of 15 letters by August 1 and so far I got all my personal information updated and one charged off removed this week. Like Melanie says the point is that you start somewhere then to not do nothing at all. Ill keep you guys updated 🙂