Try this SIMPLE Method to Delete Negative Items from a Credit Report

Daniel Rosen  0:00  

This month’s credit repair tip of the month is a little known secret deletion hack that most folks don’t do, but it could make a HUGE impact on their credit scores if they would! 

And I should tell you, this tip of the month is brought to you by Credit Hero Score. The only credit reports that integrate with credit repair cloud.  

And if you want me to hold you by the hand as you launch your very own credit repair business, go to CreditHeroChallenge.com.  

And I love this part! Every episode I’m featuring one of our Credit Heroes inside our Credit Repair Cloud Facebook community, so you can see first hand what REAL people are doing as they launch and grow their business!! 

Today’s spotlight is on Lakisha who posted this amazing picture a few days ago in our community:

It’s of her giant billboard that says K&M Wealth Services. Turning your dreams into reality.  This is so cool.  And i want to read you what Lakisha wrote.  She said
“I want everyone to know that you can do it! 2 years ago, I quit my job as a BURNT out Certified Nursing Assistant to push my business harder. 

I'm also a mother of 6 kids (5 girls, 1 boy). Last year 1 of my business goals was to help 21 people to get approved for homes. I missed my goal and I only helped 19 people. 

This year (2022) I have a goal to help 24 people get approved for homes. So far, in January, I got 3 new clients approved, and 2 more closings scheduled for this month. 

Just continue to push and do not give up!! You can do it” 

I am so happy for you, Lakisha.This  is amazing. You really are changing lives… and I can’t wait to see you hit the millionaires club.  We are all rooting for you! 

And by “We” I don’t just mean me and my team here at CRC, no, I mean our amazing community of credit heroes has just passed 26,000 members. We inspire and help each other up the mountain, and there is nothing we can’t accomplish together.  

Ok, let’s get into this.

Did you know that when you sit down at a bank, or a dealership or a credit union or anywhere for that matter and the loan officer or lender types in your personal information into the application - that information is placed directly on your credit report?

Yep, that’s where it comes from. Your name, address, social, date of birth and employment information is added to your report exactly how they typed it. 

This means that if the person typing it in spells your name wrong, or puts in the wrong date of birth or anything else it becomes part of your permanent credit file. 

Here’s why this is important. 

These errors can cause you to be denied the next time you apply for credit because if the information you give them doesn’t match what’s on file, it’s a red flag.

When you look at this from the lender’s perspective it’s easy to see if you were lending money to strangers and the information they provided doesn’t match their credit report - it’s a possible sign of deception. 

But that’s not all. 

Not only can it stop you from getting approved for credit, but there's a possibility that it can cost you a job you apply for. 

Employers regularly pull credit reports for security clearance or to fully vet their new hires. 

This makes it that much more important to ensure the personal information on your credit report is correct because if it doesn't match the employment application, some employers may take that as a red flag and go a different direction.  

In addition to making sure all the personal information is correct, there is a secret reason to remove everything except the exact and current information. 

Wanna know the secret? 

Okay, listen up because this could make a huge difference in the results you’re able to get. 

Here it is - 

Negative accounts may be tied to specific pieces of personal information.

For example, you may have a collection account tied to a misspelled name. Or an old address or alias tied to a charge-off you want to get rid of.  

This means that by removing everything except ONE name, ONE current address, ONE correct date of birth, one accurate social, and up to date employers - you can get instant deletions and super easy results without ever having to dispute each one of those items.

So here’s how you do it: 

When you send out your first cycle of letters, list all of the discrepancies on your round one letter and go after those first. It will make your job easier and you'll be more efficient because that personal information tied to the negative accounts will no longer exist.

Fast. Easy. Results!

Now, if you don’t know what letter to send I am going to give you the 5 Dispute Letter Templates Every Credit Hero Needs, and you can have these completely free. 
I’m going to give you…
The Round 1 Letter: Used by thousands of credit repair companies…for a very good reason. Because it works! 

The Reinvestigation Letter: To put extra pressure on the credit bureaus.

The Method of Verification Letter: to use when an item you know to be inaccurate comes back as verified. 

The Warning Letter: To show the credit bureaus you know your rights and you mean business.

The Validation Demand Letter:  To use whenever you’re facing aggressive debt collectors.

And you can get all these dispute letter templates for FREE at creditrepaircloud.com/dispute-letter-templates

And you want access to our massive 140 letter library and letter finder feature, simply log into your Credit Repair Cloud account or sign up for a 30 day free trial at creditrepaircloud.com/freetrial. 

And If you’d like me to hold you by the hand as you launch your own credit repair business, be sure to check out our Credit Hero Challenge. 

It’s a live experience that has helped tons of Credit Heroes get their first clients, get certified in disputing, and gain confidence as they launch their credit repair business on a solid foundation so they can change lotta lives and make a great living in the process! 

We’re starting again soon, so join before the doors close or you’re gonna have a long wait until the next one! So sign up now at CreditHeroChallenge.com! 

And if you’re finding value in the things I’m sharing on this podcast, be sure to subscribe, AND leave me your questions and comments below, because I read each and every one of them.  

And I’ll see you in the next episode. 

Until then, be a Credit Hero 

And keep changing lives!