How to remove charge-offs from your credit report and boost score, watch this before you dispute!

[0:00]If you're disputing charge-offs and having a hard time, I'm going to teach you a better way of disputing them to get them off your report. Here's the thing, most people will dispute the charge-offs directly with the credit bureaus first. But, this is what I recommend to do instead. The first thing you're going to do is ask the creditor these following questions. I recommend to use Chat GPT to draft a letter, but in that letter, you're going to ask the following questions to the creditor. First question is the date of first delinquency. The second question is the date of last payment, and the last question is the date of charge off. Once you send this letter to the creditor, they're going to respond back to you with their response to these questions and then give you the dates that they have on file that match the questions that you're asking. Most of the time what you're going to find with the response is that the actual dates that they're sending you do not match what's shown on the credit report. You're going to go back and cross reference those dates to your credit report and you're going to find out that most of the time the dates are off. So now that you have proof of these inaccuracies, you have two options. One, you can file a complaint with the CFPB. Or two, you can hire an FCRA attorney and file a claim against the bureaus. They will help get these violations also removed from your credit report. But if you don't want to deal with the whole process and you want help from my team, you can send me a DM or you can schedule consultation with us by clicking on the link in my bio.