How to dispute credit karma report
How To Dispute Accounts With Credit Karma | DIY Credit Repair Using Credit Karma | Accounts Deleted
Timecodes:
it's ricky and i'm back with another
video so in this video i want to show
you a client's account and i want to
show you how you can actually dispute
accounts
through the credit karma system so you
can go to creditkarma.com and i'm going
to show you
how he's able to get account deleted
before so
let me show you a quick way of doing it
when you go to credit karma find the
account that you want
find if you want to do it with trans
junior or if you want to do it with
equifax
now look we see trainer junior one of 41
points which is really good you guys
that's because a rise account was
deleted
but i'll show you what that looks like
too so go let's go to transunion and go
to derogatory marks
now the one that we just put in was for
this account right here this
right but that's a collection agency now
so that's ncb
so what you have to do if you want to
dispute any account on your credit
reports go ahead and click that account
so let's click the lvmv funding
and then you will see too that this
account was already disputed before
so when you click here on this account
too you can see that this account has a
20
27 53 balance so now we see
you know that information about that
account let's go ahead and click on your
total accounts
so go to total accounts go to accounts
now see if now that you're here on your
total account
any credit cards that's closed is going
to be under here and when you click on
these different credit cards you go down
to the bottom
you'll be able to dispute it but at the
same time they you already can dispute
one account at a time and we already
have an account in dispute
but say if you want to dispute this
account this account finally
went to charge charge off at first it
was reporting so many late payments
so what i want you to do is just check
my dispute status so that i can show you
what we technically did so far
with the accounts on the credit report
so we just did one today i literally
just did one today
and they're gonna actually they're gonna
ask you you know i'm gonna pop
up a screen shot so that you guys can
see what it looks like but they're gonna
ask you to pick one of the options now
this account was open
it's fraud basically that account is but
let me show you one of the past disputes
and show you that the accounts were
deleted so the last time we did this
piece
back for this this was the last person
last time this person actually did the
disputes
was back in 2017
back back in 2017
and they said i had no knowledge of this
account and then account was deleted
this account today said i had no
knowledge of this public record and it
was deleted you guys so
you kind of see where that is going with
that but those two accounts are actually
deleted from the credit report you guys
so that's how you can actually dispute
accounts all you have to do is just find
the account that you want to delete
so you just click on accounts right at
the top you can see the accounts button
that's if you're on your desktop
but you see that account you're going to
look through all your accounts you're
going to find the account that you want
to dispute
you want to click it and then to look at
this account right here they saying that
you know you will see your credit
improvement
if you take care of this collection in
first two years now
the account is removed from the credit
report they said it's going to go up 23
points if the account is paid in full
it's going to go up 25 points
now that is not true when you pay
collection accounts your credit is not
going to go up it's not that it's a
it's not that it's a charge offer
anything like that you settle for less
it's going to
go up 21 points only time i really see
the credit go well
um is when they get deleted and let me
show you how this may not be true too
let's go to another account and let me
show you what that may look like
look they're saying the same thing for
each account and that's that's simply
not true
some accounts are older than others so
you shouldn't get the same results for
every account i think that this is just
an
example you guys and i think that paid
in full is not true
that's only if it's like a charge off i
would suggest that you guys i would
suggest that yeah your credit probably
will go up because
especially if they're remo they're
marking it as late because those late
payments are coming off maybe your
credit will go up when you pay them for
but let's go to the dispute center so if
you if you see an account on your credit
report like we click this account
is go to the dispute center and don't
forget to you're going to have those
options that i'm going to pop up here
those options right there
those was you'll go ahead and pick one
of those and
you know clicks you have to check a box
and click submit and then that's it you
guys
but that's how you actually submit
a dispute through credit karma now i
really don't suggest that you guys
dispute
um dispute through credit karma because
the real way that you're supposed to
dispute is like this let me show you
the real way you're supposed to dispute
is kind of like this one
you see how we um have this dispute
information right here
i was never late i never made a leg
payments the terms are incorrect
they updated this account but probably
they just updated
it and they didn't really deleted it
delete it and that's how you really
supposed to dispute it but as soon as
you said that
the account is not yours then they want
to delete it from the credit reports
which is it's totally fair when
technically it should have been deleted
from this information
because they said the account has been
updated but
at the same time i don't mean that those
are the updates that is that should have
been
you know that'll mean that the updates
are actually correct you guys
but i see a lot of time you have when
you put on credit card i have no
knowledge of this account that account
is deleted and remember you only can
dispute through transunion and you only
can dispute one account at a time
so they have 30 days to investigate it
they said sometimes it'll take seven to
ten days for them to actually get it
done
and credit card will update you guys on
when it's actually done
so if y'all have questions for me
definitely let me know hopefully this
video was useful
for you if you need to get my letter so
that you can dispute the regular way and
you can dispute all of your accounts at
once you don't have to go one account at
a time you know
usually i tell people to put 20 accounts
on one letter
i because you can get you know 10 of
those accounts 15 of those accounts
delete in 30 days instead of waiting on
this one account to get deleted if you
know what i mean
and i'll make sure i pop up some of
those results you guys can see
you know how you can get a lot of
accounts deleted at once you don't have
to go one account every month
and then find out they're not going to
delete that account from your
credit report and not yourself nobody
you know
but i also offer the credit repair you
guys so if you want to start repairing
your credit and you don't want to go
this low route
then definitely let me know you guys and
i'll definitely be here for you guys
text us for the 21 000 so that you can
get you can be a part of my hundred
dollar giveaway my cash
giveaway on the first very much you guys
and hopefully this video was useful to
you
drop in the comments have you ever
deleted have you ever disputed the
account with transgender
and got it deleted so see you guys later
bye-bye
to do is if you want to try my trick i
want you to opt in to factor trust
so to open a factor trust you have to go
ahead and
click here so this is the website i'll
have it down in the description i want
you to opt in to factor trust
so when you opt into factor trust all
you're doing is telling them hey i want
to get credit card offers and you have
to apply
you you have to actually give them your
name your address your social security
number your date of birth
they're kind of they're credit bureaus
so they're similar to
you know trans union equifax and
experian those are the three major ones
but go ahead and click submit after you
click submit
then you want to go ahead and enter the
information that i told you that you
have to submit
go ahead and submit the information
click confirm now when you submit this
remember
you're telling them i want offers so be
prepared to get a lot of offers in the
but that's good because remember you're
trying to build your credit score up and
for you to build your credit score you
need at least four credit cards
now let me show you what you can do
after you actually opt
in after you opt in then you have a
chance of getting approved for credit
cards
without them actually checking your
credit score so let's go ahead
and go to victoriasecrets.com because
that's the easy website where you can
just test and see if you can do the
opt-in
you don't have to get the credit cards
but you can see if you get the pop-ups
in your pre-approved welcome checking
your credit scores and without them
actually give you that hard inquiry so
let's go to victoriasecrets.com
so after we go to victoria secrets.com i
want you to put 200
to 250 worth of items in your cart i
already have items in my cart because i
did not clear my cookies
so if you try this trick and it's not
working for you i want you to clear your
cookies
i want you to clear cookies and i want
you to go into incognito mode and if you
want me to go through that let me just
run through really quickly
you have to ask i'll just do it let's go
ahead and click the three dots here at
the top so it's three dots at the
top and go to settings after you go to
settings i want you to put
pop into the box and i'm going to go
fast because i don't want to
if you already know this i don't want to
you know pull you through it
but i want you to go ahead and click
here where you see it's highlighted with
the pop
go ahead and click there scroll to the
bottom and you want to make sure that
you click pop here
and then you allow pop-ups to make sure
that it says allow
so make sure it says allowed on your
computer go ahead and click enter again
on pop
let's go ahead and just put pop in again
i want you to go to clear browsing data
that's your cookies that's when they
track you they know where you've been
so so far they said i've been to 169
sites
i downloaded 10 items like they know too
much right
so i want you to clear your data so
after you clear your data they're not
going to have this information anymore
so i want you to go to the victoria
secrets website
but i want you to do it in an incognito
mode i'm able to do it without incognito
but i want you to see what it looks like
to do it incognito
and this is actually called the shopping
cart trick what we're going to be doing
so i want you to put victoria's secrets
here click submit
click enter and i want you to put that
200 to 250
worth of items in your cart so i like to
just go ahead and hover over sleep and
go to cami sets but again it can be any
200 to 250 dollars that you want to
go ahead and pick the items you can pick
them yourself you don't have to go ahead
and follow these
items but i suggest you follow them but
you don't have to
and you can always rewind slow it down
or whatever it takes so that you can go
ahead and get this trick to work for you
so i like to click the small and i like
to get four of them
and so i get the four the same item i
don't like to go ahead and get different
items i think it's just too much work
and
it's not necessary so i'm going to add
this to my bag
now i want to click check out now as you
can see here the items is actually only
198 dollars but with taxes it's going to
put me over that 200
mark so i'm not concerned about it so
i'm going to click check out
after you click checkout you want to
check out as a guest
so go ahead and click check out as a
guest
now i want you to go ahead and type your
information in that same information
that you put into factor trust
i want you to put your first and last
name here your address here i want you
to put your phone number and your email
address in
and the reason why you want to put that
same exact information
that's because when the fact of trust
sent your information over to these
credit card companies or anything that
they gave them was your name your
address
your phone number and your email address
so that they can mail you stuff they can
email you things
then you can get all these different
offers right so put that same
information in here
but i want to type this information in
of the client that i have
so remember you want to make sure this
is that same information if you do not
put the information in correct then
they're not going to
go ahead and give you that pop-up that
i'm going to show you in a second
so i'm just typing in all the
information that you will have to put in
so that you can get that pop-up
and keep this in mind too there's over
60 different credit cards that allow you
to get the to get credit cards without
them checking your credit score
so go ahead if you get approved for this
one if you get the pop-up i want you to
get the
shopping cart trick guy in the
description where you can see those
60 different credit cards so i have all
of the information put in so i just want
to verify that everything is correct so
we can get the pop-up
so so far everything is correct i want
to click continue to delivery
so after you click continue to delivery
this is the pop-up that you're gonna get
it's gonna say congratulations you're
pre-approved for the victoria's secret
credit card
and this is the pop-up for all of the
companies you should get the same exact
pop-ups saying that you're pre-approved
now they're asking you to pick which
credit card you want to get so i always
like to get the pink if you watch this
plenty of times because you're trying to
master this trick then you know i love
the pink card so i'm going to click
accept now
and what i'm going to ask you for is i
want you to put your date of birth here
your last word digitally is social twice
and they want you to go ahead and check
this box here
and click finish submit for review so
that is what they want you to put put
here and remember
after you go ahead and put this
information in they're gonna let you
know congratulations you're pre-approved
for 500 you're pre-approved for a
thousand dollars
now i don't suggest that you actually
you know
buy the things on this i don't suggest
that you go ahead and get it what i
would do is i would just exit out
so i would click that x right there and
after you
after they tell you how much you're
approved for they're going to see that
card in the mail
so you can go ahead and look at my guide
down descriptions called the shopping
cartric guy
and you'll be able to get those same
credit cards that
that's on that guy and remember they're
not going to be checking your credit
score and they're not going to be
pulling your credit reports giving you
that hard inquiry
but if you have problems with hard
inquiries then go ahead and look down in
the description i have the heart and
card removal guide also
where you can go ahead and remove
inquiries from your credit reports but
yes guys i taught you guys the trick so
now i want you just to implement it
and remember you want to opt into factor
trust after you opt into factor trust
it's going to be so many different
offers coming in the mail
and now they're going to tell these
different companies that you want to get
the credit card which is going to make
it easier for dba to get them
so if you have any questions go ahead
and call or text me my phone number is
833 rakita
and remember i'm always here from for
you so you can always call or text me
you're my assistants we definitely here
for you and if you want me to try to see
if i can do this trick for you
i also have a section in description
that says click here if you want me to
try to do the trick for you
and usually that trick can be done
within 24 hours so i can see if i can
get you pre-approved if you have any
questions like i said
call or text me make sure you subscribe
like this video and leave a comment with
your cash app
so you can be entered into my monthly
drawing
you
Related queries:
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