Never Ever Ever Ever Ever Ever dispute your credit online, guys, never. Never do
it, okay. I'll show you in this video some reasons why not to do that and then some
the right way to do it, give you some solutions. All right so this is episode
#4 of Credit Repair Secrets. If you would, please take just a second and
like this video, subscribe to my channel, and we'll get rolling... All right so
there's three key reasons why you should never ever dispute credit
online okay. I'm just gonna break it down for you as
easy as I can and remember I wrote a book on this, like it's not that long, but
it's going to detail it out more for you alright. So first reason why you should
never ever ever dispute online, okay, you are completely blowing your timeline.
The Fair Credit Reporting Act gives us 30 days from the time that they
receive that letter to respond to us. So you're waiving your
rights, okay, Completely to that. They can actually have up to 45 days and you
literally have no proof or evidence or nothing that you've ever actually sent
them or started that time clock okay, let's move past that. All right second biggest
reason is whenever you dispute online, you're filling out an online form
and doing so completely shortcuts the whole entire system for them, okay.
I know I've not really gone over how to dispute your credit or anything bad on
your credit and whatever negative marks but I'm telling you if you do it online,
you're making it easier for them because they're gonna plug it into an electronic
system anyways, and it takes them time to do that okay. So if you go ahead and do
it for them what's the point of even doing it? Alright,
that's #2.. #3, I'm going to go back into
waving your Fair Credit Reporting Act rights okay, and there's multiple reasons
for that. There's something in place called FACTA and in Section 6- 11A,
of the Fair Credit Reporting Act. Essentially it is allowing the
creditors to do a couple things whenever you dispute online, all right. They do not
have to forward your dispute to the actual creditor.
Now that may not seem like a big deal or you may not really understand that but
I'm telling you, if they do not have to forward it to the creditor and your
dispute is resolved, it's taken off your report, guess what happens in 30 days
whenever they report again? It comes right back on and you have to do the
whole thing all over again, but you can't because you've waived your right to do
that. Okay, also you have to have written proof.
You've got to have written proof in the event that you actually have to do
something of litigation with this, okay. You know the the biggest key here and
this is you know something I was going to do another video but I got to get it
out now. You've got to mail certified letters.
Okay, you've got to use the letters. Write the letters. You've got to send them
certified mail so you have receipt of whenever it arrived and your time, your
time clock starts then. Okay whenever they sign for that package
to all 3, you got to do all 3, I'm gonna go into more of that later but I
just really really really got to have you guys to understand. Like I saw a
post about somebody disputing their credit online and I'm like "What in the
world are you doing?!" I about lost my mind. It's just even, you know, you can
dispute anything on your credit report, okay. And if it's something that you may
or may not have really done, I'm not going to give any advice on that, but say
it's something that's legitimately an issue, and it does not it does not get
taken off via the online dispute process, you've waived so many rights you can't
just send out, you know, another dispute. You can't ask for the proper
verification a second time without really jumping through some hoops, okay.
There's just the only way that you're going to get this to work is to not
dispute online, all right. At the end of the day, that's what I'm trying to get
across today. Being a little bit more forward with this than I normally am, but
.0 if somebody's going to go through the time to do this, if you are, don't be
lazy. Just do it okay. Just do it the right way.
And again, there's more of this in my book, "Leverage Your Credit" that we've got
with Leverage Your Income. My name is John Stephens, again, this is episode 4
of Credit Repair Secrets, please like this video, subscribe to this channel, and
I will see you on the next one!
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