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✅️850CreditCircle: How to Remove Late Pmts from Credit Report


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 2 months ago '21        #1
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Losantana16x4  topics gone triple plat - Number 1 spot x15
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icon ✅️850CreditCircle: How to Remove Late Pmts from Credit Report
 

 
850's, I'm back with some free game


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Last edited by Losantana16x4; 03-02-2024 at 08:08 PM..
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33 comments

 2 months ago '16        #2
KingJerz  topics gone triple plat - Number 1 spot x22
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Interesting. Will keep this i mind if i ever need it
+4   

 2 months ago '19        #3
zzxxccvvbb 
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I have one late payment in 15 years because my credit cards disability insurance took like 3 months to kick in because they lost my paperwork.
+3   

 2 months ago '21        #4
Losantana16x4  topics gone triple plat - Number 1 spot x15 OP
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 zzxxccvvbb said 🔗
I have one late payment in 15 years because my credit cards disability insurance took like 3 months to kick in because they lost my paperwork.
Let us know the results, champ!
+1   

 2 months ago '05        #5
HARBINGER  topics gone triple plat - Number 1 spot x4
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lords work
+1   

 2 months ago '21        #6
Losantana16x4  topics gone triple plat - Number 1 spot x15 OP
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 HARBINGER said 🔗
lords work
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 2 months ago '18        #7
back1  topics gone triple plat - Number 1 spot x4
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If you’re really late they will have the receipts. This is the right way to go about it though. It’s a shot in the dark.
+1   

 2 months ago '21        #8
SHAMPOOO  topics gone triple plat - Number 1 spot x33
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If you send Any Dispute Template letter or AI Letter to any Credit bureau, they will automatically Flag it...Stop listening to Tictoc Financial advice, you will end up Screwing yourself!
+8   

 2 months ago '21        #9
SHAMPOOO  topics gone triple plat - Number 1 spot x33
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 KingJerz said 🔗
Interesting. Will keep this i mind if i ever need it
 HARBINGER said 🔗
lords work
 Losantana16x4 said 🔗
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 back1 said 🔗
If you’re really late they will have the receipts. This is the right way to go about it though. It’s a shot in the dark.
If you send Any Dispute Template letter or AI Letter to any of the three Credit bureaus, they will automatically Flag it...Stop listening to Tictoc Financial advice, you will end up Screwing yourself!

The Credit agencies been using a Very Sophisticated algorithm for Decades that detects Templates...They will Flag your Disputes automatically if submitted online...They will actually Read your disputes that are Handwritten and sent by Mail...I just Gave y'all some Real GAME!

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 2 months ago '20        #10
Bighempin  topics gone triple plat - Number 1 spot x8
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I dispute everything on my credit. If I owe or not. They got 30days. I never sent in a template or anything just went to their sight and disputed the chit.
+1   

 2 months ago '21        #11
Losantana16x4  topics gone triple plat - Number 1 spot x15 OP
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 SHAMPOOO said 🔗
If you send Any Dispute Template letter or AI Letter to any of the three Credit bureaus, they will automatically Flag it...Stop listening to Tictoc Financial advice, you will end up Screwing yourself!

The Credit agencies been using a Very Sophisticated algorithm for Decades that detects Templates...They will Flag your Disputes automatically if submitted online...They will actually Read your disputes that are Handwritten and sent by Mail...I just Gave y'all some Real GAME!

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Shampoo, we only take advice from those verified in the og 850 thread. Drop your score there for verification


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 2 months ago '21        #12
Losantana16x4  topics gone triple plat - Number 1 spot x15 OP
Props total: 14815 14 K  Slaps total: 1874 1 K
 Bighempin said 🔗
I dispute everything on my credit. If I owe or not. They got 30days. I never sent in a template or anything just went to their sight and disputed the chit.
Just did so with identityguard for my client who forgot to cancel his subscription for the 2nd year. Got it reversed

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 2 months ago '22        #13
Yousabitchtoo 
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 back1 said 🔗
If you’re really late they will have the receipts. This is the right way to go about it though. It’s a shot in the dark.
if you have one late payment. your best bet is a goodwill letter to the original creditor....that letter in the op is nonsense....i even send direct emails to the ceo for whatever creditor it is....if you have multiple late payments you're better off just disputing the entire account with the 3 bureaus and test your luck....so many "credit experts" dont know sh1t about credit...especially credit law and how to set up pre litigation

 2 months ago '11        #14
bridouble 
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 Yousabi#chtoo said 🔗
if you have one late payment. your best bet is a goodwill letter to the original creditor....that letter in the op is nonsense....i even send direct emails to the ceo for whatever creditor it is....if you have multiple late payments you're better off just disputing the entire account with the 3 bureaus and test your luck....so many "credit experts" dont know sh1t about credit...especially credit law and how to set up pre litigation
Ironically you sound like “credit experts” you’re speaking down on

 2 months ago '22        #15
Yousabitchtoo 
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 bridouble said 🔗
Ironically you sound like “credit experts” you’re speaking down on
im not speaking down on the ones that actually know their sh1t...99% of credit experts don't know sh1t about credit thats my point...i know a lot ....thats the difference

 2 months ago '14        #16
gt1 
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 zzxxccvvbb said 🔗
I have one late payment in 15 years because my credit cards disability insurance took like 3 months to kick in because they lost my paperwork.
I thought late payments drop off after sometime?

 2 months ago '21        #17
Losantana16x4  topics gone triple plat - Number 1 spot x15 OP
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 Yousabi#chtoo said 🔗
im not speaking down on the ones that actually know their sh1t...99% of credit experts don't know sh1t about credit thats my point...i know a lot ....thats the difference
The letter has worked for me and my clients. I have been doing this for so long, free game is better than hoarding.
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 2 months ago '05        #18
xbigelx  topics gone triple plat - Number 1 spot x3
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How much you charge for full repair?

 2 months ago '22        #19
Yousabitchtoo 
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 Losantana16x4 said 🔗
The letter has worked for me and my clients. I have been doing this for so long, free game is better than hoarding.
a goodwill letter to the original creditor is always better than disputing a late payment with the bureaus and thats not even up for debate....if its a closed account with multiple late payments you dispute with the bureaus.....if you have multiple late payments on an open account that letter isnt doing sh1t if you send it to the original creditor...i dont hoard info either and have been doing this 15 years...how many credit cons have you attended? are you attending the one in vegas this year? how do you look for pre lit opportunities and what consumer attorney do you work with?

 2 months ago '06        #20
waytoomuch 
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s**t if ur late on a credit card payment by a day or even a week, can it fuk up ur credit?

i called up a credit card company i was like a few days late for and the rep said it wouldnt fuk it up. i think he said if i didn't pay it for an entire billing cycle, then it would probably be reported. but i still wasn't sure n aint really believe em all the way

 2 months ago '22        #21
Yousabitchtoo 
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 waytoomuch said 🔗
s**t if ur late on a credit card payment by a day or even a week, can it fuk up ur credit?

i called up a credit card company i was like a few days late for and the rep said it wouldnt fuk it up. i think he said if i didn't pay it for an entire billing cycle, then it would probably be reported. but i still wasn't sure n aint really believe em all the way
has to be over 30 days late to be reported late....where most people fu#k up when paying after the grace period but before the 30 day mark is not paying the late fee..if you just go ahead and make the minimum payment and not the late fee as well you will be hit with a 30 day late due to the late fee being marked as past due
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 2 months ago '04        #22
mateo 
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Just recognize these vantagescores mean very little when it comes to mortgages. Lenders use a multitude of different FICO calculations (FICO8,FICO9,FICO10, etc) , about 15 total. Credit cards look at a certain FICO, auto at another, and mortgage lenders at others. I’ve seen an entire 90 point difference between what CreditKarma, Amex, Discover, and Citi claim vs a mortgage broker with a hard pull.

What could be even more important is what’s in your LexisNexis report…


Last edited by mateo; 03-03-2024 at 12:22 PM..
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 2 months ago '22        #23
Yousabitchtoo 
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 mateo said 🔗
Just recognize these vantagescores mean very little when it comes to mortgages. Lenders use a multitude of different FICO calculations (FICO8,FICO9,FICO10, etc) , about 15 total. Credit cards look at a certain FICO, auto at another, and mortgage lenders at others. I’ve seen an entire 90 point difference between what CreditKarma, Amex, Discover, and Citi claim vs a mortgage broker with a hard pull.

What could be even more important is what’s in your LexisNexis report…
More than just Lexis Nexis. Innovice, sagestream,ARS,lci, factor trust, Chex systems, tenant data svcs, core logic,clarity just to name a few. Theres a ton of these secondary bureaus.
+1   

 2 months ago '21        #24
SHAMPOOO  topics gone triple plat - Number 1 spot x33
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 Losantana16x4 said 🔗
Shampoo, we only take advice from those verified in the og 850 thread. Drop your score there for verification


↪🔗
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Drop my Score for what...To prevent Y'all from making a Stupid Mistake???
If y'all wanna follow foolish TicToc advice, Gone head...If you want to actually research what I said then Gone head!
All I said is what NOT to do, opposed to telling y'all how to do something Foolish that will actually screw you Over!

If you think that The 3 Credit Agencies havent put systems in Place in order to Combat Bots, Templates and Fraud, then you's a Plum Fool and need to get off of Tictoc and download some E-Books about Credit...

 2 months ago '21        #25
Losantana16x4  topics gone triple plat - Number 1 spot x15 OP
Props total: 14815 14 K  Slaps total: 1874 1 K
 SHAMPOOO said 🔗
emoji
Drop my Score for what...To prevent Y'all from making a Stupid Mistake???
If y'all wanna follow foolish TicToc advice, Gone head...If you want to actually research what I said then Gone head!
All I said is what NOT to do, opposed to telling y'all how to do something Foolish that will actually screw you Over!

If you think that The 3 Credit Agencies havent put systems in Place in order to Combat Bots, Templates and Fraud, then you's a Plum Fool and need to get off of Tictoc and download some E-Books about Credit...
All legal documents are Templates. Take you time with that

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