you that how you hop on a meeting to go to [Music] sleep hello everybody hey hello hello hello hello is working hey hello I'm driving home from work so I'm trying to join the meeting peace light and love hello hey y'all hey good everybody I hit the record button so um it sound like gayb was talking about inaccuracies was that what you're talking about Caleb yes I am but then the the dog started barking so I had to go mute thank you okay so if you see anybody like at the top that needs to be admitted you can admit them because they've already been approved it should be like five people should be coming in okay um to to picky back off of inaccuracies absolutely that's one of the the key things that you guys can use to get things off of your report okay um that's why I said it would be good to pull your report from some place like privacy guard credit smart something like that because let's just say you got a Capital One bill right and you got all three of them lined up together and Experian is um open date 111 TransUnion say open date 114 experance says open date 115 that falls up under inaccurate reporting under 15 USC 1681 okay so that's number one you could get if any don't match I don't care if it's a cent it's a date it's a dollar if they say you reported fine in January but transun and experience I say January was cool but Equifax says that no you was late all all of it can be removed Peri annual credit report.com is a great place that you can get all three of your reports from TransUnion Equifax and experience and you get them for free and I think because of Co you can get one every single month now too supposed to be seven days right this they plate it be the same report they be lying they forever ly forever lie but yeah it's supposed to be that you every seven days you are able to get a new one but it's going to say the same exact thing on there um but yeah annual recorded credit report is a good one that you were able to get all three Caleb do they show them side by side on that one um they don't show used that a long time you can download all of the all your reports and print them out and then you could look at them look at each individual account and compare them that way now you can do that but see because I know that half of y'all lazy right so you're not gonna do that so if you go on privacy card or like Credit Credit um Sesame or something it's a $1 trial they only going to charge you a dollar and just make sure you save it and download it so all we are by are next to each other the reason it makes it easier is because if you make a complaint with the cfpb in order for you to challenge what is on your report it makes it easier when you upload that as proof because you can actually upload that part of your report that is showing the inaccuracies whether it's the date whether it's the amount or whatever okay so that is absolutely one way that it can be done more importantly than the inaccuracies which when I put in a report I use all the violations I don't care if it's 15 of them I'm putting every last one of them in there I'm just not gonna put um and I definitely not gonna put in there that all bills is the responsibility of the United States please don't do it I have seen people do it and they try to figure out why the stuff didn't move off their credit and that would be the reason to why they did because they just simply put all bills on responsibility of the US according to atusa yeah they was looking crazy you can't just put that um because your credit report itself is considered the public side you guys will hear me throughout this entire series say you have to know how to operate in both there's no way around it okay you have to know how to operate in the public in order to also operate within the private so there is a law where you have the right you have a right to opt out of anything on your credit report do anybody know what that law is 15 USC 65 8 I say it again 15 USC 6508 that law clearly states that you have the right to opt out of anything that's on your credit report they are actually supposed to send you an opt out request every 30 days so you know how if you get a new bill collector that'll send you something in the mail and it'll say if you respond to any um refute any of this debt you got 30 days to contact us what they were supposed to tell you is that you got the right to opt out they gonna make it seem like you have to do all this extra stuff no you have the right to opt out if any of you look at your credit card statements anything dealing with your banking inside of the terms and conditions within your banking it clearly states that we do not provide your inform information to non Affiliates right so do y'all think that experi transun Equifax and more importantly early warning Services if you've never heard of early warning Services you might want to order that report that's a bag your entire transaction banking history from the time that you had a bank account from the age of 18 is within that report that's $1,000 per transaction because that's a violation of your privacy you might want to order your early warning Services report but if you look at your terms and conditions with your bank your credit card statement use 15 USC 6805 to opt out take the Privacy notice that is included within your terms and conditions of your statements and put that experion trans Equifax and Lexus Nexus and early wi Services is a third party which means not only did your bank violate you under the Privacy Act and under the terms and conditions and which it is that they granted to you at the time of the account opening the credit agency reporting agencies did as well that's a bag so let's just say you had a credit card for 12 months they have reported 12 months worth of payments that's a $1,000 per violation that's $112,000 now that's just from the credit bureau don't for want to credit a reporting agency hey see I know that's right Caleb Caleb they put it up on the you can share your screen Caleb check at the bottom and and share screen since you pulled it up for me already thank you oh this this is on my computer I'm using the zoom for my phone oh okay I'll pull it up okay but y'all see that 15 USC 6805 obligation in respect to the disclosures of personal information it's 15 USC it starts at 6802 and it goes all the way to 6805 okay okay so now you got a bag from the bureau from the credit agency and now your bank how are you going to address your bank because the bank violated the terms with you because they said that they will not report if anybody got any of your banking terms and conditions they can pull it up is it's gonna be a box on the back they're talking about sharing your personal information what you can opt out of because it's on there and who is considered an affiliate and a non affiliate and we all know that none of them are affili even though Bank of America Well Fargo PNC and Chase owns early warning services but they're only investors so that's still considered a non-affiliate now when you call Early order services to tell them that you want to opt out they're good for telling you that you can't don't buy it and they're good for telling you that your bank when you ask ask them well who gave you authorization to have my information they're going to say your bank tell them to prove it because your bank already just said that they don't give your information to non affiliate so how did the bank say that I approved for you to have my information that's a bag because how many of y'all been turned down for a bank account and you don't know why it was early warning Services literally whatever your night deposits are whatever your uh nightly balance is whatever your weekly deposits are all of those are on your early warning Services report so that will be considered what's called a proof of claim that is the claim if they have your private information without your without your permission so between making sure that there's pure accuracy on the report under 15 USC 1681 having the right to opt out out of 15 USC 655 and then will start at 68 oh I'm sorry 6802 and go all the way to 6805 so I can I show something real quick to everybody you absolutely I'm on Google right now you when you Google The Fair Credit Reporting Act I want to show youall a couple things you see that ftc.gov that's Federal Trade Commission people kept asking me where to get it you literally just Google it this is the act you click on the page click on the PDF and as you can see Fair Credit Reporting Act uh 15 USC 1681 now it tells you everything right here short title everything permissible purposes that's 1681 uh B I believe so when it tells you down in uh 15 us code 1681b that they need that they can only do it with your written consent I'm trying to find that hold on let me see uh B it's on page 10 so you scroll down to page 10 just like this right here in general they cannot furnish this is they can furnish to you a report under the following circumstances and no other see right here in accordance with the written instructions of the consumer to who it relates this means that they cannot report without your consent right so that's one when you are looking at this title here you actually can go back to 6801 because that is the beginning of the title right the protection right it says it is the policy of Congress that each financial institution has affirmative and continuing obligation to respect the uh privacy of its customers and protect the security of their non-public personal information it tells you if you click on the definition that non-public personal information is any identifiable Financial in uh information provided by a consumer to a financial institution resulting from any transaction with a consumer or any service performed so everything you need is right in the definitions that they give you now it tells you I believe under 6804 op or 6802 they must not uh disclose it unless they give you an explanation of how you can exercise a non-disclosure option you can opt out that's under 15 us code 6802 so when you click on 16 CFR 313 privacy of financial consumer information look at the authority of it comes literally from 15 us code 6801 which is which is this whole title so even in the cfrs where it tells you here 313 purpose and scope right here non-public personal information it's the same exact thing um but when you go to 313.2 forms of opt out notices once again it tells you you can opt out you read the entire thing I suggest you do but when you scroll down to F here you will see um continuing right to opt out a consumer May exercise the right to opt out at any time so everything you need goes together same with the fair debt collection practices act you can find it right there click on the ftc.gov website then you uh they should have a PDF or if not they have the entire thing right here all online I'm sure they have one that you can download as well so that's all I wanted to show thank you you can literally copy and paste that and put it into your CB report and for those that was on the class last week I told you guys to create a letter so say it's T-Mobile that you're going after they're the ones that's on your credit report right so it's T-Mobile create a letter because I told you if we sending letters it's because we suing so create a letter like you sent it to T-Mobile can say something just as simple as any y'all ready get y' pens and let me see y'all writing and I'mma even slow it down for y'all because it don't have to be real real technical talk about no straw man no none of that people won't hear none of that okay they not listening and they think you're crazy but you can put as simple as this per the FC as a ferally protected consumer I am now opting out of any and all authorization I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802 period point and blade that's it then you going to create a CFB complaint and you're going to upload that letter oh make sure you backdated at least two weeks maybe a month because the reason that you're going to the cfpb one of the questions they're going to ask you is have you tried to correct this with them and you're gonna say yes they lie [ __ ] we about two too forget it and upload it right to the cfbb that's it that's it period and that is if you want something removed off now we all know that it's a public and a private side and you have to be able to go sit down with these people to obtain the things that you want there is no way around it there is no taking no 1099 to the real estate people ain't no taking no 1099 to the car dealership talking about I'm a consumer you suppos ain't no none of that okay it doesn't work that way and and I'm sorry that people have made you guys believe that it is that simple but I am here to tell you that it's not because you have to operate in the public and the the private so the public side is that I didn't went in there they didn't they got to run your credit because they got to get to your trust account baby period so that's why you fix your credit so that you can get the things that which is that you need in the public and then on the private side you discharge it this is how life is supposed to go this is the Matrix red pill blue pill guys red pill is the public side the blue pill is the private side y'all should after these classes y'all should go watch that movie and watch it in different eye with your one eye and not your two is a reason that Neo had to keep going back and forth through the Matrix because you have to know how to operate in the public and private so we got to opt out that's the major key thing they cannot stop you from opting out what I did do was in y'all back office right I I kind of like made some cfpb complaints for you guys where you could just like copy and paste and click and then put it right on to yall Lo the report I even link the cfp site kind of with it where you can kind of have both up so when you're doing your report that is the quickest way to get things off the only time we're sending physical mail to these corporations or to these um agencies is when you about to collect the bag from them anything else that get anything removed off no now if you have any charge offs on your credit report anybody got any charge offs that mean it's a Charged off if it is with a third party debt collector that means that it's charged off okay so that 1099 form did y'all see everybody talking about when your debt is sold over to a third party debt collector or it is considered charged off that is now considered a certificate of indebtness okay certificate of indebtness which goes along with the 1099 C the cancellation of a debt but guess what else a charge off slash a TI of inness means that it is now income and income cannot be reported to your credit report for all the inquiries that you may have on your credit report you are going to use 15 USC 1681 permissible purposes you want to remove all personal information off of your credit report but one address just one your current everything else remove off every other phone number remove off every other email Remove off those are simple all you have to and this is the terms that you have to use because they don't like to remove old addresses because that's how they tie them to the account so when you send in a normal dispute they do not actually send no information to them they match up addresses one address removal is Five Points so if you got 15 addresses on there you just upu your score right but not just that they cannot tie it to an old account so when you go to remove your old address if you call them to do it now moving the addresses the phone numbers you can physically call them to do that and you tell them that you have an address on my recredit report that is a non mailable address if you use the words non millable address they will give you no flat they will remove it immediately now you want to collect the bag right everybody want the bag so when you call the credit agency to remove the address ask them if they could tell you where they got it from it's going to be another little bitty third party reporting agency which was a violation of your privacy rights under 1974 the Privacy Act of 1974 any complaint that you do Under the cfbb you're going to add the Privacy Act of 1974 with it because that covers everything student loans who got student loans on here probably hting a mess out your credit report a people think you owe all this money and you do not well number one y'all see they doing the uh the suit loan forgiveness right but do you know that if you apply for the forgiveness and you got it so say they forgave $78,000 do you know you supposed to get a check for $78,000 don't sit on y'all money whatever they forgave they have to give you that back in the check I'm telling y'all now don't let them take your money okay that's why Bon said they're about to start sending out checks that's your check whatever they forgave that's your check but to remove student loans that is a violation of the educational and privacy act so when you signed up for student loans you signed a Privacy Act form that said the school will not provide transaction history that sound like how much I owe you to any third party companies so to remove student loans completely off the report use the family and educational Privacy Act of 1974 now unfortunately y'all know I will normally show y'all a PowerPoint right but I also know that my information when it gets out is always the recording so if they have nothing but my voice and no PowerPoint maybe they won't steal this one but it's in your' back office though every law that I'm telling you guys is in your back office how to do the cfpb report which I will go over is in your back office I even lined it up for every law that you can use in your cfpb report to knock it out the first time because I know some people on here probably say I've done cfpb and ain't did nothing well you ain't write the right [ __ ] [ __ ] for bling period and when it ask you what you want you make sure that you put that you want compensation stop being scared to tell these people you want your money because they violated you that's like getting raed and then busting no nuts stop playing okay there you go yeah you caught that diamond you'll catch it say it again right because that's how you feel these people didn't raped us and we don't even know about it we didn't get no pleasure out of it outside of people telling us that we are denied for things that we know that we should not be denied for the key is for you to walk in there so you can get no money down but as soon as they use that social security number they have tapped into your account then that way you could go on the private side and you can discharge but you got to get the item first because possession is nine1 of the law and the only way you gonna get it is if having your credit right for y'all that came in on the car late the last class that had no recording to it the young lady took what a week the laws I just named and she physically called experient and before she can hang up it was no 24 to 48 hours her score jumped up 78 points opt out because just like you can opt out a T-Mobile you can tell trans julan I opt out of you reporting now I wouldn't advise that CU then you going to be walking around here with no score that they can't pull up and you won't be able to get nothing that's not the goal the goal is to go play the game with these people okay I got a 750 credit score give me what it is that I want and then on the back end let's just say you went to Mercedes Benz so I went to Mercedes Benz and I got me a retail stall agreement and I let these people play in my face on these I thought they thought they played in my face and then I turned around and I hit Charles Baker at us bank because I know he the trustee and I'mma hit him with that endorse retail St agreement and an international B exchange or 1099 CA depending on what I feel like doing that day and I'm getting charged off so the public side was I walked to the Mercedes b dealership and I got a car but I made sure that my credit score was so high that they lied and gave me a two point perc like you gotta play in these people face chuck with them like yeah knowing that you about to drop a damn packet at the USBs as soon as you leave there and I was just looking at a post they finally unrestricted me y'all we G see how long this last but anyway I was just looking at a post where a car dealer and now I learned something new because I tell you I still learn stuff every single day do y'all know when y'all go and fill out a car application and even if you get denied the car dealership dude said he still gets commission off of every application does anybody know why that is whether it's a night or F all applications can oh Shan hey girl hold on I'm coming hey Shan hi so it's because they brand our social security anyway that's one reason so y'all know that anything our social is on security she's absolutely right the other reason is all applications can be transferred to a third party where whether they approved you or not we all know that you was approved so those car dealers don't care how you think they stay operable with all them cars there they not selling cars all year people don't have money like that amilio did I pronounce that correctly yes don't me yes can can you hear me um so yeah so so they they supposedly transfer it to the bank and then the bank transfers them the the asset for the car for whatever the payment is no so you are right but it's not for the car okay for the document I'm sorry for the corre and they guesstimate based off of their system how much that contract will be worth so I did have the pleasure y'all probably heard me say before of running one contract just one it was a $627,000 houseing they sold that contract 10,000 times so they guesstimate and the thing about it is when you go into the car dealership guys you are actually co-signing for the dealership under 16 CFR 4441 you are co-signing for the dealership they've already sold the title once the car was the perk guys the house was the perk use a supposed to get a check because you gave them a security that's right Mari yo if let me tell you something if you write your name on a napkin and leave it on a table at Denny's and a bank pick it up that's a security we are the money that's why they need us for everything which is why they're trying to control our everything but enough is enough of this so we do cfps the cfpb is there for our protection they have made us scared of these people we're not scared of these people no more use the cfp to your advantage it works by whole lot quicker you can literally have a 700 score in 30 days and you guys' back office I also show you how to add credit to your credit because you got to go sit down with these people now all 186 people that's in this room I need for you to take your name and create a business out of it I need you every last one of you why not because they're create they created a business out of you correct so why you not everybody please go under the irs.gov and get a EIN number the name of your business is whatever your name is sioban Tingle whatever your middle put your middle in between that tingle and there you go and put LLC behind it they created a business out of you why won't you do the same thing and capitalize off of it I told y'all the name of the game is not us trying to beat the system we are joining the system because we are the key players and that is what I show you to do it works a lot better they do not argue with you I've seen the people like I never never forget the one guy in my last class he was big dog he had got that 2022 um Expedition fully loaded signed for it put $ th000 do down for it got the keys and then gonna turn around right and gonna hand the dealer the the finance manager the contract talk about I'm about to resend this under 15 USA 1692 didn't I tell y'all he signed for nand keys that manager snatched them keys out of his hand and tore up the contract and told him to get out I laugh cuz I said you funny why you think that will work anyway I got some stories for y'all yes because guess what he did it with the wrong person he did it with the wrong person y'all that's trying to do these recensions y'all ain't doing it right y'all learn that in the class on the 29th cuz your contract but the key is you want to be able to sit down with these people and you want to be able to get the credit cards you want you want to be able to get the finances that you want and then you want to or the private side be able to discharge it but you can't do that if your credit is not good so turn your all Cap's name into a business a LLC preferably that when you first register your business you do it in another state that you don't live in preferably Delaware because Delaware is a private State and then you registered in the state that you do live in as a foreign limited liability company play the game with the people and then do you know that if you create a LLC out of your AR's name you as a LLC can put credit onto your credit report all you got to do is follow UCC one the UCC one that be filed in your LLC name you put say that you gave your regular name a $200,000 loan and after 90 days follow ucc3 now the bank think you just paid off a $90,000 loan that's what theye do it works I promise y'all it work so the main key law to get your credit report cleaned off is the opt out the 15 USC 6802 to 6805 the Privacy Act of 1974 if it's a charge off all you simply got to say a charge off is considered a certificate of indebtness which means it is income and must be removed now we all know that you ization plays a major role in our credit score and they say they want it to be 10% or lower y'all want to get it to zero the law says that it is illegal to report transaction history there you go that's it that's all it is illegal to report transaction history so that's how you keep an account on your credit report make I don't care if you been late the whole time you had it that are updated to paid as a greed and now your utilization is zero your score just shot up 50 points now you go get that dream card you want go get all them loans you want for Christmas and whatever else and then turn around and discharge them because on the 29th Y'all Gonna know how to discharge throw people in arbitration do not pay do not collect that is the point that's why it went into series from fix your credit first so you go sit down with these folks and then the next class gonna show you how not they have to pay these folks but they ain't got to come and repo it they ain't cutting your lights off they ain't stealing your kids because possession isense of the law once you got that thing like dude was dumb he should at least drove off off the lot first and went back in talking about some recent at that point it would have been nothing they could do like he got grown ass man truck driver call me crime oh they took it I say and ain't giving me my thousand back I said CU you that ain't what I say it do gayb you got something you want to say yes I'm actually pulling it up right here I'm I got everything on my screen I'm about to show everybody um I am looking for a very specific one as well I just need a second here unless here and while he's looking that up make sure you get a current copy of your report because when stuff start falling off that's your proof of clim inside of you guys's back office I have put the direct contact number of the person that you gonna send that nice Bill to at each one of those agencies okay every last one of them including their trusty now the law says it's $1,000 per transaction but did you suffer emotional damage when you tried to go get that Caravan for your nine babies and they told you that you couldn't what is the price of that the law has only $1,000 per violation it said nothing about your pain and suffering humiliation because they humiliated you talking about you need $112,000 down on the $ 13,000 out put a price y'all put a price to it so in your back office there are particular people that things have to go to in order for you to collect the bag okay and I have put their direct information with their address how it's supposed to be sealed up and mailed up and y'all back okay so this is what I was going to show once again when it comes to opting out 15 United States code 6802 I suggest you read the whole chapter from 6801 to 680 5 and it even tells you in 6805 which is why we're going to go back there right now that the Consumer Finance Protection Bureau is the one who has to enforce this act okay so like I said I would go ahead copy this copy this put it into a complaint now I'll show you this is an example of a complaint that I submitted here against these people here and as you can see I go indepth Fair Credit Reporting Act 1681 section 602 boom boom boom I got more laws in here than I do and this is a long complaint because you know I was going back with them and they were getting on my nerves um you guys yeah go ahead you guys will get a copy of what a cfpb needs to look like and I did categorize it know what type of Bill it is because I like y'all I did categorize it depending over what type of Bill and y'all literally will be able to copy and paste it like I made it so easy for y'all so if y' 186 people don't have no 700 score I'm gonna really be mad at y'all because there's just no way for it just not to happen period but go ahead all right next 16 CFR 313 this is the one right 313 point7 tells you all about opt out how you get your opt out notices you're continuing right to opt out again I would look at the whole chapter 313 privacy of consumer financial information it's really short this is the authority of it here and this one more time for uh 16 CFR 313 so now y'all hear that we are calling out USC's and cfrs it is important for you to put both why because the CFR means it's coded in the Federal Register which means the president signed the USC United States code is the code to back up that law exactly so as you can see the authority of this here 313 comes from that chapter 6 801 right so when you mention those I would mention them together now you can find all the information that you need under the Fair Credit Reporting Act Right which is 15 United States code 1681 okay so this is everything that they can and can't do everything uh it talks about identity theft prevention of information if they get it by stealing your information disclosures to customers everything is in here that you're going to need right then you can also get the fair debt collection practices act which will help help you know with third party collections Etc um the 16 CFR 433.92 and three right cons preservation of consumers claims and defenses against unfair deceptive practices because they do this all the time so this is also something that you can use as well exemption of sellers taking or receiving right here go ahead and that 43 3.2 at 16 CFR 433 .2 is on every last one of your retail stallman agreement that 10.4 print where it tells you that any holder who's the holder of the consumer credit contract is you if you got a copy that contract you are the holder it clearly says that you can uphold your rights now if any of you guys have tried to do it before see that see that right there there it is that's on every last one of your' contracts it's in 16 CFR 433 point2 so then you might get a company say well that doesn't apply to us 16 CFR 4333 says that if that contract was written after 1979 November the 1 if I'm not mistaken 1979 it applies right here there it is boom and it's crazy that they say it doesn't apply to them right but they put all the little tea stuff on there the finance charge on there but then they tell you that it don't apply to them okay so now which one is it ma'am or sir does it apply or does it not and if it doesn't apply why is it on this contract because they said you don't read take a look at the definition of open and credit what are you really applying for they're committing language fraud so you just got to go read their words and that's how you get your remedy and as he said they're committing language F right but if you pulled any of their 10K or 8K forms at the very very top after they list all of their EIN number and all their important addresses and the important people it says that they signed in their security agreement with the security exchange under 17 CFR 424 that they will not commit language fraud It also says that they will not do solicitation so if you look at your credit report and you see something at the bottom in in inquiries and it says promotional inquiries do y'all know what that is so what a promotional inquiry is let's say we're gonna say Capital One Capital One Tap TransUnion on the shoulder and say hey you got some people we can send some pre-authorizations to well let me and then trans junor say yeah I'mma give you a sneak peek and let you peek at their credit report that's a violation did you tell them they could do that that's a bad thousand as you can see right there this is the Form 8K let's open this for Apple I just pulled this up and as you can see right here it's all here they tell you written Communications uh written pursuant to the rule under Securities act here all of it yeah so when I tell you guys they physically tell you every single thing that they are supposed to do they are not supposed to do is in their forms you just have to know how to properly read their forms and understand what it is that you're reading but you can always use their words against them and it's nothing that they can do about it Point Blank and period it's like you guys are learn on the 29th y'all who's trying to resend your card note that it told you how to do it in your contract like we're GNA physically on live go through I'm GNA go through an entire car contract with you I'mma tell you where you told them they could keep the money I'mma tell you where you told them they can transfer to everybody in their mama across seeds and I'mma show you where 16 CFR 43 3.2 is in there and then I'mma even show you where they said that if you find out that anything is illegal with this contract how to get out of it it tells you how to get out of it it even tell you what address to send it to and at the moment that you throw it in arbitration you are now in a do not pay do not collect status and that's how you stopped them from coming to take it and shutting you off you're going through the process of asserting your rights it is not by sending no affidavit talking about I'm resending it sending it to the CFO the CFO the register agent no no no no no and goddamn no it tells you in every contract that you have signed as an arbitration agreement in the good thing about that is on March the 3D of 2022 and it took effect on November the 1 2022 y'all see why I get tired because I don't stop learning I gotta stay up to date for y'all so on March the 3rd of 2022 they have removed the arbitration law which means there can no longer be arbitration clauses and any other retail installment agreements now what does that do for people who already signed the contract you still have to abide by arbitration but you ain't hear from me but you heard it from me that because they had to take away the arbitration cause they had to set up a new terms and conditions call your company all nice and sweet and say hey can you send me a new updated terms and conditions for me to sign and at the moment that you sign it you ain't got to do arbitration number them because the only reason that they made you go into arbitration is because title 12 states that anytime you're dealing with Securities and we all know what securities are right that it is a automatic federal court case but they know that if you take take them in federal court they're gonna lose so that's why they came up with arbitration to stop people from going to federal court but if the arbitration is now removed you can definitely threaten them with federal court and they will definitely comply with you guys very quickly and we'll be going over that next week so to clean your credit report off is very very easy it is no more than what we just said and if it is construction prop if it is structed properly on the cfpp which you guys will see within your back office exactly I I made sure I put like each page of the cfpb how to fill it out how to make sure you tag all of the companies in there and then you got a copy paste and click of whatever law that's gonna fit what you throwing in there for you to be able to do now if you look at your screen sorry can I go ahead real quick yes yeah so this is the family educational rights of privacy act right because I know there's going to be people who are like I couldn't find it this is for student loans it is also 20 USC 1232g and 34 CFR 99 and as you can see it protects the laws and privacy of you as the consumer right so then the Privacy Act of 1974 is also going to be found under 5 USC 552a you can download the act from the justice department or anywhere that really has it if you just Google it but it's also 5 USC 552a so you got two places to look for that as well and that's all I got perfect and if you got one so the law he just said the 5 USC 522a you want to go a little deeper if you dealing with some of these companies that just don't want to budge at that point you could do a FTC the F the T the C report for identity theft why because under 5 USC 522a it says that we are not supposed to give our social security number out to anybody that's what it say said that is honestly why credit profile numbers CPN are legal because it says that if they ain't the government you are not to give out your social security number at all use that to your advantage no no no no no no diamond diamond go Diamond you okay is anybody there with her she having a seizure y'all Diamond like that as a nurse that really bothers me because I'm know we're near to help her and to see her going through a seizure on this live right now is really like it's it's is messing with me because I can't help her um diam she coming back Diamond you could go ahead and log off darling I will call you tomorrow okay I feel so bad for her father God please say your Str please say your Str like I am such an impath y'all I really don't like people but I'm such an impath like people touch me but I just don't like people but they touch me and that's really bothering me um and I don't want to see like I'm being insensitive and keep going um but it's nothing that I could do to help her um um when she comes back to I'll let her log off I'll work with her personally because sitting in front of the computer screen too long will activate seizures depending on the type that you have um and through it all she wants this information she wants to free her family and she is on every call and she's had seizures before but this is the first physical time that I've physically seen it on camera um so Diamond when you're done just you can log off darling um I'll keep an eye on your thing so when I see you come all the way back through um so guys we're going to use these agencies that they have tried to scare us with to help us okay because that's what the Consumer Financial Protection Bureau is there for um as well as the FTC is there to assist us with these companies see when you write them a actual letter and you mail it to them nobody knows that but you and them but when you get that involv in government the real governmental agencies that are there for the protection of us they move a little different they move a little quicker because now not only do they have to answer to you they also now have to answer to the cfpb or the FTC as well okay some people it may say that oh that the cfpp closed my complaint but they really didn't what happens is so we'll use um Midland Financial so many people have made a complaint against mland that is how they do their class actions because so many people have made a complaint so they need to know what's happening um by doing those complaints and normally the companies if the complaint is structured properly which it will be because y'all my people so it's gonna be right you know they will move very quickly and then them removing it after your complaint is done them removing it that is what your proof of claim is so you can prove that they had it there illegally and then that's how you collect it back now don't get all outrageous talk about send me a100 million do from trans junor they not gonna do it you know what I'm saying they're gonna try to um bargain with you but it's a lady over trans junor she normally pay you out real quick uh very quickly so that's we don't just penalize them it's not just enough for them taking it off of our report because how many people couldn't buy a house or they couldn't get a car or get the Necessities that they need you know despite the fact that everything is supposed to be free because these people assumed the role because Congress say that they assumed the role to hold our information well I assume that your ass is doing it wrong and you going to take it off so that I can go obtain the items that I need on the public side so I can go and discharge it off on the private side Point blanket per which you guys will learn how to do that within this process okay so I will answer a few questions as I said on you guys's back office I put a link to the cfpb I put some examples of how the reports supposed to be written um I even showed you there's a way that you can use actually do a search of a company of all the complaints that has ever been written by individuals like me I always get mine published where a person can go back and read them pull stuff out of them damn reports that look like it fit your stuff and put it on yours and make it do what it do you know um cleaning your credit is not as hard as people try to make it be it is really that simple but that opt out is your life go ahead Kayla right on the cfpb researching reports um they even have a section of consumer education where you can actually get a bunch of stuff but you can actually uh look at filed reports and you can search companies you can search everything so if you feel like your company has a lot like if I want to search Experian right on there and it pulls up research and reports um I can see oh wait no this isn't it but the point I'm trying to make is you can go on there and you can search up reports and it'll pull up every report that's been made against the company um and you can see that for all types of companies yeah and there's also that website too that you can go on and this is and you guys' back office to um it's a website you can go on and see the companies that have been sued so a girl got $300,000 from Wells Fargo and a consumer lawsuit because they failed to tell her that all calls are monitored and recorded for quality and training purposes you can literally sit and go through those cases see if it was a consumer cas see how much that bank paid out use that case to your advantage you can see the whole case if they paid that person out for it why they ain't gonna pay you out for it especially if you can use reference to that case because using case law is common law okay so I'll answer a few questions John your question yes I do I was just wanting to make sure that I caught up on a few things that you said so you started off with inaccuracy reporting with 15 USC 1681 you went through and said get all three reports not a problem then you you said uh to create the letter you gave us the verbiage for the letter per 15 USC 168 6802 uh he said it would be a cfpd complaint now I understand that you're going to make a back office for us and give us access to that so I don't think I have a question here but is the opt out letter does that go to the company in question like the bank or does that go to the credit reporting agency because you said if you if you send it to the credit reported agency it'll go blank and then they'll have nothing to to go back out so I'm kind of curious on I might have missed a step in there somewhere it's okay so what happens is when you do the cfpb complaint is going to ask you are there other parties involved before you submit it so let's just say you got something on all three reports so you ain't got to do three separ for ones you'll add everybody involved from third party collection agency to all of the reporting agencies that way they'll all be tagged on the same complaint okay okay and that is closer to the end of following the cfpb complaint it's closer to that end but as I said I did like a I actually filled out a whole complaint and I did the screenshots of the well page so you guys will know how it look would you supposed to put where um and things that that magnitude to make sure that the first time you send it will be the only time you need to send it okay okay Wonder can I can you give me more or is it just one per go ahead okay so you talked about the non- mailable addresses how to call them up and tell them that was a violation of the Privacy Act of 1974 so was good on that um wait now the non- mailable address that is to get your personal information you only want to have one address and one phone number reporting so the fastest way to get that off is say that you see addresses on your report that are considered non mailable addresses so you can't receive any mail there so it's best to make sure that you have your report in front of you so that you can give them every single address it is and it normally takes about 24 hours to update and tell them to make sure that they send you documentation of that so when you when you double back and get ready to collect that bag from now you know what I'm saying then you got your proof that they violated the Privacy Act of 1974 okay that's where okay my notes were just a little bit skewed but hear you okay um then you jumped over to uh how if you have a charge off right you said the charge off is considered a certificate of indebtness uh it is income and so income is not reportable it must be removed do you use 15 USC 1681 for that no I actually used the IRS um laws on that one and I put the exact article of the IRS in your back office so you could just be like boom there it is okay not a problem thank you very I I really tried to make this because we are running out of time so I did and I know everybody learned differently so when I say I tried to make it so simple for you guys or you could do a copy paste and click and do your report but yes charge offs are considered income um specificly so of indebtness so with that one I use the IRS publication okay you said it was illegal to report transaction history but I forgot to write down the USC number or the CFR for that one cuz I didn't tell it okay just taking notes that's all okay perfect I like that but you got it all right um all right and I was just looking over my because I pulled the reports as as per your instructions something that's very light that you talked about was promotional uh inquiries I have 16 so I would be a lot I'd be interested in seeing T $1,000 do the map do the map do the map do the map it's like holy moly right yeah so they let them do a sneak peek so you want to opt out and then you want to make them pay you for it okay okay so when you Denise you okay look I'm about say I can't take no more look I can't get to none of y'all okay please got no problem problem all right who we gonna go to one two three four close my eyes Tiana right all righty my good friend Shaquita hey shaita all right you can did you hear okay there you go hello can you hear me absolutely just had a simple question um about when do you expect to have the back office available you guys will have your back office by Friday might be before you don't if you don't have it on Friday I don't want a single email sent asking about it it'll get sent to you when it gets sent to you I just want to say that right now if it is not there on Friday do not send an email asking where it is it will get sent to you when it gets sent to you it will yeah it will but you guys will have it before the end of the week um I have taken over all control of everything now so I'm going through me emails I'm like cleaning stuff out but I also have to make sure that everybody is attached to the email that you guys need to get in order to be able to sign up to get your back office um and I I've been working on that I am almost finished integrating everything over but it's the holiday weekend so I don't think y'all gonna be looking at it anyway but you guys will have it by the end before the end of the week is over okay that was my only question Perfect all right ready um chy if you talking chy I can't hear you connect your mic bro connect your mic okay we gonna come back to you okay Tiffany Edwards hey Miss Tama how you doing I am absolutely wonderful how are you I'm well uh can you go over the the letter that you said for us I missed the end part it's okay so and it don't have to be exact the main thing that you want in that letter is saying that any authorization verbal nonverbal written non-written you are now resending that authorization via 15 us us c6802 point back in period it don't have to be long and drawn out just tell them that whatever authorization they thought they had they no longer Happ and tell them that that is infective immediately and indefinitely so that way that even if they try to sell the debt as they do or becomes a zombie debt um because you can buy your own debt back and put it back on your credit report pay that's agreed but yeah um that way that they won't be able to put it back on okay all right thank you you're welcome Amanda hi okay so I have two questions if I can they real quick so when you were talking about doing making our all Cap's name a business at LC and doing the Ein I was wondering what tax classification would you put that under because you know how they do Corporation or like proprietor which one would you choose for that I would make it as the LLC as a corporation okay as a corporation and then when they ask you for what reasons put banking purposes okay so it says LLC is planning to elect corpor corporation tax structure do that one correct okay gotcha and then it's gonna ask you when did this business become available you can go back up to 25 years take it back as far as it'll allow you to take it back because that's how long they've been using your name okay so yeah take it back as far as it'll let you go okay okay and my other question is um what about incorrect names on your credit report like I have me and my sister have a similar name she be using my name so I have like a bunch of different names on right here hold on one second I don't know who that is but can you mute yourself please and thank you um yeah I have I have different names on there like multiple names like not even the correct spellings and things that's the same way when you go called to get the address taken off um you let them know that you see some names and some spellings that are not yours you only want to have one spelling of your name on there one address and one phone number so when it comes taking your names and your personal information off that is one of the easiest things that they will allow you to do they give you no Flack on that um so just when you go to get the address and say hey I see some spellings of my names that it's not me they're going to ask you which one so please make sure that you have your report pulled up um on there and then they will remove them okay I don't know where she went but I know she heard me Cassandra hello how you doing I'm great so my I have one question um let's say you don't have nothing on your credit and you've tried to like apply for a credit card or something and they constantly like will deny you um I was just trying to figure out how do I add so you need to do credit Builders like self lender credit strong a secure credit card and then that will get you to adding credit to your credit report you can also do a trade line and I did add that that will be added that's the extra part that I have to add because I'm not going to tell you to get things taken off of your credit report and clean it up and then you have no credit that is defeating the purpose of you getting a 700 score um because we all know that once something get taken off of your credit report having no credit is just as bad as bad credit so I do also provide um different websites that you can use to help you build your your score very quickly so you got credit strong you got kickoff you got self um definitely a secur credit card because this is the way I look at it right if you know your bills until you get them and do not pay do not collect status is $2,300 a month okay let's just use that number I will get me a secured credit card that reports I will put the amount of my bills on that credit card right I will pay my bills with that credit card because when you take and you pay that $2,300 the next month you gonna spend that $2,300 again right so now you didn't paid off the card so now all your bills is paid it's reported to your CIT report is accurate and you have literally recycled the same $2,300 over and over and over again because it's the same $2,300 because unlike when you use your debit card nothing comes back in if you use a credit card and you pay it you have access right back to that money again so you're not losing unlike with a debit card now you got to go back out here and make that money all over again it's about joining them and doing this smart get you a secur credit card that's going to report to your credit report put your amount of your bills that you know for absolute fact whether it's rent or whatever put it on your credit put it on that card and pay the bills with that card when it's time to pay that light bill or gas bill again instead of taking the $50 and paid it it straight to the light bill you take that $50 you pay your credit card bill boom now my credit score just went up because it said I paid my bill on time and then you pay your credit your your light bill with that when you pay the $50 back the money is back there to use it and that's how you do that okay okay thank you you're welcome but I did make sure I added some things that you guys can use while you're in the process of removing stuff and updating things on your credit report that way you can add credit to it so that you can get to the score that you need so you guys can go obtain the items that you need and then discharge it off okay uh kimy I don't know if I pronounced that right did I pronounce it right no it's Kim say Kim say all right hi Kim hi thank you very much um my question is about the um giving yourself credit if you have a company you said to file a ucp1 that says that you've given yourself um alone but I wanted to make sure was it a is it a ucc3 that says like a 90 days it was paid off correct okay that was so you'll do the UCC one and you can do that from business to person or business to business like if you got more than one business you can give your yourself business credit that way so what you do is under your business name you're going to file a UCC one saying that your business gave your personal this certain amount of funds and then in 90 days or so you'll file a release of lean showing that they paid it off as a you can actually go in there every month too on that uc1 and update it and say payment made so that way it'll also report to your credit report for those of you that are still that are paying rent and and your rent on time you can add a rent repor to your credit report if your rent ain't on time you better find your CZ and it be like hey rent report is gonna call you can you say you was my landlord and that I was there with you for two years baby it's all about figuring out how to do okay yes you can do that find you one of them Hood houses that ain't got nobody in to use that address okay and like straight up and they can report back two years that's a 100 Point increase very quickly say I live there for two years they ain't going to do nothing but call them and say hey did this person live there and did they pay on time and they going to say yes boom there you go 100 Point increase go back two years pay that one time fee so they can go back two years for you and there you go it's about out thinking and outsmart these people because they think they we crazy and we dumb so let's show them that we not because guess what that's what they did that's what Donald Trump did if you go pull the UCC ones on every one of TR Donald Trump businesses you will see that Donald Trump businesses loan money to each one of his other businesses and then he used that to go and get banking Capital under the business name which is why I told y'all to create a business out of your e in your name create a business out of that and start using other people's money they got $50,000 no do loans all type of stuff when y'all filling out these applications and it come to your income do you know that that includes all the income for everybody in your house if fish make money if the dog make money you can put that in there it says all income but see with the business credit you can say projecting you can say I project because you know whatever made you do the projection I project that my business is gonna make 350,000 this year that is what you're supposed to put on the application and everybody's income in the house is the number that goes on any of these applications that you guys are filling out we've just been filling our stuff wrong but we gonna fix that all right Julia hey so I have question I wanted to know okay so for instance um I have a uh car loan that's charged off right and I wanted to know do I need to send anything to Ali for them to like um Ali Financial for them to deal with the debt or does it not matter what you mean okay so remember you said so you said what you said um a Char drop is considered income right right it's considered income and I never received a 1099c or anything like that so I couldn't claim it as income they just charged it off so I wanted to know do I need to send them anything or do I just focus on the credit report so are you trying to just get it off of the credit report well really I kind of wanted to update it because I want to keep it on there since I've had it since 2018 so so I wanted to see if I could get it like paid as a greed but I don't know if they're G to go for that so what you do is is that you will use the law that says they cannot report transaction history okay so with that it's going to show on there that every month that it was paid as a gr and then that way it will not come off so in your report don't ask for a removal ask for updated paid as a agree that's great and you could do that for all charge offs like if you have like a good history with a credit card or whatever you could do that for that too right yes you can do this for anything that's on your report because none of it supposed to be reporting properly because every 30 days before they report they are supposed to ask you and give you the right to opt out and they have not done it okay okay opt out law is very strong you're welcome J hey how you doing I appreciate uh this class man it's done really show me a lot I got a question about the and it maybe I think the man asked earlier about the opting out who exactly are we opting out from I know you said not the reporting company because that that would hurt you having nothing on them because if you go to get something you can't get it because there nothing reporting who exactly are we going through is it like the credit card companies or because you know I anybody that that's reporting bad on your credit report that's causing you to have derogatory marks and low scores that's the same thing as like the utilization too right correct now with utilization let's just say is that you use your utilization law so if you got an active credit card and you keep that thing higher than 30% usage right that is going to be a credit card that you want to keep on your report but you want them to stop reporting the utilization to make it go down to zero so you'll use the utilization law but tell them to keep it on the report so that way you won't lose any points okay and just to be sure the uh the law that you gave was 16 CFR 313 and 43 [Music] car it's a student loan to make it easier for you guys um it'll even say if you want to keep it on there use these particular laws and state it this particular way because of course you don't want to get everything removed off but the things that are really hindering you um that is not even taking effect in the score where it can be removed off then get it removed off that's that's exactly what I need because I mean my credit score is not bad I pay all my stuff on time but I was trying to get that utilization to where I my score were boost because it's not reporting it and uh I had one more question on the uh somebody might have asked but on that letter that uh that you said that you uh send this per per this uh FC as a federally protected consumer I am opted any and all obligation is that I I didn't get all what you said but I'm pretty sure you said it's going to be in the back office something along the line that we can go by right right that you're opting out of any INR authorization given to report your information to a third party okay and if it's a bank you will also use the terms and conditions that the bank gave you so it's also good to read those forms because every Bank every credit card company they all said they will not report to a non um a non third party affiliate okay that's that's that was my questions I appreciate it you you're more than welcome Hey you k you kicking ass out there thank you man I want to see everybody everybody that's right all right no yeah um I had a question about the like a like a car loan um like I originally got a car like two years ago but I refinanced it so what I go um try to like for the original loan to try to like where I wouldn't have to be paying um or since it's with a new bank would I have to process it through them that that that would be a question that I'll answer when we talk about I'll just put your pay bills in and do not pay do not collect status sorry no you good okay all right thanks you're welcome Lisha the Parker I got two is in the room Leisha Parker okay hey Tori thank you um quick question you had stated about the Biden and the student loans um and getting repayment back I just got a letter stating that I was approved but it's on hold so would that still qualify to be able to use that method as well correct so the reason that is on hold is is because Congress was like wait a minute this bill you wrote about discharging these people student law how you write a bill for some [ __ ] that's already discharged yeah so that's why it's on hold so what I happen is whenever they get done with court or whatever the case may be then um Everybody funds will start being sent to them because they even said it that they have to start sending checks out like they have to give this money back but it has spark the government's attention like how you writing bills for stuff that's already been discharged so and to be honest with y'all it's all a set up if y'all see they going after all the bureau the the credit reporting agencies right now they going after all the banks so what they're going to say is that we realized that we gave them Authority that they shouldn't have now we got the roll out this old social credit system don't think that they going after these people because they caring about us now they got to make it seem like they do they know that they've been stealing hell they've been helping them still but in order to roll out this new social credit score system that if you jaywalk they gonna take your money out your bank like seriously you know they got to make it seem like they're now finding these companies and oh they're getting your information and stuff like that so don't fall for the OK do because they always that's the overlay for the underplay bab for real for real but no you'll still get it as soon as they take it off hold okay uh d hello thank you for this you're welcome um so I have um a simple question and then my another question that's probably for the next class but the simple question is when you saying one name on a credit report now what if like U my spouse she has a hyper name like which name would be on there which whichever name is on her birth C cuz I got to hyp it in my name too okay so that's the only name that you okay and now this other question is so IED a letter from um I at leas the um vehicle for BMW and you know I got behind them and they I received a letter from KC and Associates today um would this be like how would I approach that um that will be a question that will be for another class but I will tell you this that they said their name is KC and Associates yes so what a lot of these de collection company do is that they create their name to make it seem as though that they're an attorney okay I have one it's called Harry Ross consult you would think I was an attorney matter of fact no disrespect to nobody race you would think I was two oh white man by the name of Henry Ross and consulti but it's my father's middle name that I turned into a consulti business so that I could sound white on paper so I can get whatever hell I want then by the time they gave me what I wanted and I walked in there at this little five black girl they be like oh [ __ ] yeah she got us yeaha okay so what they do is they create names to make you think that there's an attorney company there's that FAL IMD representation under 15 USC 1692e okay say it again 15 USC 1692e the false misrepresentation that any person is an attorney that's actually E7 you can use that so if I was you the first thing I would do is I would look up that company's name to actually see that it does not say attorney at law and they probably set that collection agency and then I will save my rest of my question for class on 29 okay thank you you're more than welcome my kids brought me some Denise hey Denise hi my question is is that um I have a married name that I've used for 20 years and I'm going back to my maiden name and do I abandon my married name of 20 years and just go with my birth certificate name of Woodruff what do I do did you change okay so you're using the marry yeah I have a yeah I have a court order that changed my um that's what you use as long as you got a court order then use whatever name that you're using in the court order name okay so the foia I I did my married name but now I want to do another one with my maiden name with the court order so I should do that as well correct yes you can okay perfect that's my question and um I had one other question but I think that's for the next class I'm good sound like plan you're welome gotta speak because you know I can never pronounce your name right so look at your screen there you go s you know I'm talking I can never pronounce your name so you gonna be goddess me if that's okay with you okay totally fine okay so my question is just right now when we turn our name our all cast name with the RS to an LLC what purposes what other purposes are we using it for so anytime we apply for a credit card are we using it or is it is it primarily for this purpose right now so because the government has decided to create you as a business why not solidify it so when we get further down within the series I will show you how to take your all Cap's name and get so much business credit off of your name because they're using your name as that so why not use your name the same way they're using it more importantly when you put yourself as a foreign liability company the funding is just out out of this world because now you are playing on the international field and every CEO every attorney if you were to actually look them up their names are all actually llc's that's how they're deceiving people because they're actually corporations that's why 15 USC 1692e says that they are false misre yeah f is representation that any debt collector is an attorney because they're just corporations that created their name to making it appear that they are attorneys okay okay thank you you're welcome Adrian MC Duffy hello can you hear me can you hear me I sure can okay great uh uh what you just said kind ties into the question that I have which was I have a um a 98 number a foreign EIN number that I haven't used because um I was like studying a lot of information on this one time before and uh I was I felt like I was being targeted so I kind of kind of you know just didn't use it I didn't want to mess it up and it's just kind of been sitting there in the background I haven't been claiming anything on it would I or could I use that 98 number as my um all caps uh LLC or forign EI is that suggested or should I just get another E for it is the 98 number already in your all name uh it's in what name is it I think so no you know what it isn't I'll take that back I'm sorry it isn't it's in a different name okay so no um you want to make the corporation that the the government made a corporation you just want to solidify it so you need a regular EIN number okay is there is there a way to put the Ein that I have now in the all caps or do I just need to redo the whole process redo the whole process because you're not getting a 98 you're getting a regular e gotcha okay all right thank you you're welcome let's see and Jamie yeah so I was wondering uh this might might be a little bit more related to nationalization and I'm sorry if that that that's not the topic but I'm Puerto Rican born and raised uh and I was just wondering if uh that changes anything because I was trying to do the the process with the immigration office or that website with ebook that um Caleb get G sells and it it kind of gave me an error and I think it's because I freezed all my secondary credit agency reports so I think that's that might be the reason but I'm not 100% sure you definitely just answered your own question and we discussed that and that back to basic series that your reports have to be unlocked okay okay thank you you're welcome Miss Kimberly hey how are you peace and blessing I'm greatting yourself wonderful thank you for doing this again um I just had a question about and thank you for the shout out because I called and immediately the score shot up um but anyway so I want to just say even the notes it's highly effective you are the goat and I love it and I love you for doing this for us um oh thank you so now y'all know who had that 78 Point anchor she's on here to tell y'all herself yes that she did it and if she want to tell y'all what she said she got the flow she's more than welcome to do so yep and to your point Experian is the hardest that's why I did them first just to see and they gave me at first push back um like well we can't take off the names cuz I had misspellings I had you know someone misspell my name and then had my last name twice but she was like oh we're not we can't take that off and I hit her with the law and after that she was like okay what else would you like what else would you like so just ran it down so um it works and when you definitely quote those cfrs and those USC's they are not trying to play with you so thank you for that again just a hundred thanks 100 million thank yous um and I'm also doing it for my daughter my 26 year olds and it's working for her too now you know that's your proof of claim so once y'all get done so I have cop addresses yep so we have them all um but my question is about the CPN are we gonna can you talk about that now or will that be the 29th how to get the uh CPN um I guess if have enough of y'all want to know how to do it I'll add it end somewhere it definitely won't be on the 29th because the 29th we're going over arbitrations and um how to put your bills in the do not collect status not unless y'all want me to add it to the credit part of the back office and tell you guys how to create your own CPN it's very easy to create um it's not that hard and I'll tell you that everybody that got some money that somebody like Beyonce and all these stars and football players and stuff they not here at nean Marcus talking about my social security number is I can promise you that they talking about my credit profile number and if you look on the federal um Bureau FBI's website it will tell you that CPA numbers are legal because of 5 USC 522a um if enough of y'all say y'all want it you know shake your head do a thumbs up and show you guys how to create one and I'm going just tell y'all just like this right these people have been playing in our face forever so you heard it from me but you ain't hear from me you know you create that CPN you just went out and got a whole bunch of stuff and then just decided not to pay for it or whatever they can't come for you they can't put it on your credit report either you know what I'm saying because you can create another CP in but you Ain hear from me but you heard it for me there you go thank you I think that would be helpful because when I Google it which I think it's the system blocking it it sells you like it's not recommended it tells you all these different things but it doesn't show you exactly how to do oh no they're not gonna do that but look at the words that they said they never said it was illegal they said it's not recommended they don't want you to know how to join their system in the days of running from these people or just bowing down it's over so we gonna join them right absolutely hey there you go so yes I I will show you guys it literally will take say it again collect the bag sees them hash Freedom loading okay um it literally take 10 minutes to create a CPN believe it or not oh wow it don't take that long and then you just got to try merge it but that's easy put a little credit on there but yeah I don't know maybe I throw it in the ebook or something for y'all or but it's very very easy thank you very much you're welcome um Lisha Jones hi Tama how you doing today I'm great darling how are you I'm doing pretty good um so I only had one question um which was regarding um the early warning a report that she spoke about earlier um I did um request my early wanting report and when I got it back it didn't hardly have anything on it it was kind of like um uh I mean I have several I have several bank accounts it was only like One bank account it only had a few of the um uh of the transactions and I was expecting of course like a lot and uh that's not what I got so were was I supposed to do an early warning report for every uh bank account that I had or was I supposed to just do it as a whole or um just to make sure that I did it you know correctly no you you you're in my other class aren't you you put some stuff on the record already right what have you put on the record for my private banking class anything you authenticated your person tiet F but I I mean uh I have't I haven't authenticated it I have um I mean I did like uh you know my social is locked and stuff like that that's why that's why okay it's because the social is locked so the thing and is a new quarter so y'all heard me say they starting to violate all these companies they trying to clean up they act but and then it also depends on the bank too so if you're more so with the credit union that's not going to show but if you're with the tradition bank PNC Bank of America Bank U Wells Fargo yeah those all should be on there I have several and and I've had you know several I've had you know all kind of bank accounts and it was just um when I received it it was only the Bank of America like I've had Bank of America I've had with Forest I've had chase you know and it did it only had like maybe like I don't know 10 transactions from maybe Bank of America yeah it don't sound like they gave you your whole report I would contact them and tell them that you don't feel as though they gave you your whole report and then ask them to send it to you okay and then tell me what you get after that okay and then we'll go from there but even with them 10 transaction girl that's a violation of banking of America terms and that's a violation of the Privacy Act of 1974 and that 10 transactions time $1,000 you do the math and there you go hit him for the bag anyway okay because I was already like calculating in my head um especially you know when we first talked about it and I was just like oh my gosh this is gonna be bananas and then when I got that um that envelope I was like clearly before I opened it clearly this is did you get your Lexus Nexus report as well no that was just the first one I got and I thought okay no you didn't it's just what they sent you order Lexus Nexus report because all of those banks are up fire right now like they because they got to play like they've been get getting in trouble so they can make the old system go down so that the new crypto system can come up this system has to go down so now they got to make it seem like they found out just like in 2008 with the hours in crisis it was really so that they found out that the bankers were still in and they put the hous of crisis in front of it they're about to try to do it again like I said we really got 19 33 in our hands again we got 2008 in our hands again and depending on how we move will depend on our future think about our parents when bit I remember when they made the announc of Bitcoin and it was 10 cent and all of our parents who was like ah what is that they didn't want to do change and then they was mad as hell when they could have been million we about to go through that again and if y'all are smart I have said it before I'mma say it again I'm keep advocating for it my 16 year old actually does crypto that's that's my way of doing um homeschooling is one of his classes is crypto um xrp is about to be the thing y'all I'm trying to tell y'all please go Get It Go Get It Go Get It xrp is about to be the new digital dollar and why it is like 20 cent go get it wasn't there a particular way prior to when you talked about xrp a a way for us to purchase it because we could purchase it regularly right you can use um the uphold app and I will ask my son tell de Maran and or tell him to text me and he can tell me the other app that you guys can purchase the xrp from but that xrp will be the new digital do okay that's why they were in court with the security exchange I remember you saying that you're like it's it's it's a little difficult to get right now but yeah because they moved it off of the mainstream um where a lot of people won't be able to get it like you really have to know which platform that you can buy it from because they were in negotiations with the security exchange um in regards to being the next digal dollar but all the banks have bought into xrp like everything is going towards xrp son what other platform can they buy xrp off of besides uphold do you know xrp m it was another app um platform and I can't remember which one it was because it can't be bought xrp can't be bought on our platforms okay Trey well okay I'll get he said he has to look but I'll definitely let you guys know um because I will see it towards the end of the class if my son will come on and show you guys how to trade he does do that he's very good at it to be 16 he made $500 and 4 minutes off of $50 there it is he has a wonderful teacher I'll tag y'all into his teacher too on about Tik toac page so that's that um April Fountain it yeah uh someone already asked a question that I was gon to ask all righty Den here okay um quick the um okay so I got some addresses removed today and um one of the congrats thank you Experian had said she couldn't remove um an address because a card was linked to it it was a paid card but I don't know why why wouldn't there be able to remove it and um who does the Let It Go for uh inaccuracies is that who does the Let It Go to yeah so when you do the cfbb complaint you'll add in whichever credit bureau um agency is reporting it as well as whoever the company is so now that that paid card that you're talking about is are you currently still using it or not no yeah they can they can remove that so in the process y'all removing don't remove any addresses that if it's something you're currently using and you do not want to come off of there um so what you do is Denise when you call back just get another representative and say that that address is a non- mailable address you cannot receive any mail there then they'll remove it okay okay thank you you're welcome Miss Graham an pronounce your name for anolani anolani I thought so but I Ain want to mess that up hi beautiful how are you um I was just wondering about the all caps LLC the all caps name are we supposed to my married name or my maid name for that whatever name you go by right now and then for the credit report that one name that stays on there should that be my birth certificate name my ma a name or my married name if you did you do all of the new stuff with the social security card and all of that with your Merry name yes you can use your marry name whatever is on fire with the Social Security office guys is what you want to use so character my LLC is my birth name and my credit side is my married name are you still using your birth name or are you only using your married name only using my married married okay so just use your married name that's why when you get married they make you go down to the Social Security office because of course the Social Security office is the holder of our trust accounts so whatever they have on file even what you marry is all still tied to your original name so whatever name it is that you're using that's the name that you want on there okay right so so my LLC name should be my married name just to clarify right thank you so much you're more than welcome Michael hey Tama hey Michael hey uh quick question so I've done the LLC I fil it in Delaware and then I filed it in Tennessee as well so I have that set up as foreign liability here so what would you consider the next step to be on my credit building Journey on that LLC well with that now that is a business you have to do business credit you got to start with like net 30s and net 60s you gotta be a business credit with the same way you would do any traditional business with the like suppliers and whatnot the with the next 30s and the next 60s once those has been reported for 60 days make sure you open up the business bank account and then go to the different banks that offer the $50,000 no doc loan as long as your EIN is structure property you can go to four different banks on the same day now you make $200,000 got it so okay with the with the no doc loan so I've been kind of hearing stuff about that what what needs to be in place or what's the proper way to ask for for that that would be a conversation we have to have at another time because we're talking about our personal credit right now but you got to start with your net 30s and 60s first and once you at least get that done then you'll be able to um do the KN know do loan but when you are doing the know doc business loan the no do one you got to have a personal credit score of at least a 640 so you got to get your personal credit score right because they're going to make it a personal guarantee which is a good thing because there's no money either way it goes so even if you have a business you can discharge your business expenses off the same way you can do that your personal credit expenses because you have to think about they use your social security number to give you the E number okay so there first awesome perfect uh Melody [Music] hello hey can you hear me okay I had a question be quiet doggy I had a question about the um I never changed my marri I never changed my name when I got married I never got so I never went to the Social Security office or none of that and I've been married since 2018 never changed nothing so what should I do there should I resend my my marriage license don't you want to reset your marriage license um yes would that make any because I did it in the with the state so keep it like keep it like that and just I never changed my name so would that make any difference or anything or should I go in no because you never changed your name so everything would your the name that social security has on okay so should I change it should I do anything with them let them know that I'm married because it really don't make that's up to you I no they don't need to be in my business keep it just like that okay that part trust me know you married you go yeah everything um okay DWI yeah what's up Quan how you doing man um my question is as far as getting things off your credit report and I hope I'm not hope I'm not mixing things but is it better to get a a great credit report by telling them to take things off by just sending 1099 CS to them to everything that's on it where you tell where you hear me say send 1099 see somebody like to cancel the de where on this car did you hear me say I ask me yeah that's what I'm asking I hope I'm not mixing processes but that's what I'm asking you where did you hear me say that I didn't hear you say that time on this proc on this particular call so why was I mean you could I I I did a whole class on that called discharge that sh so I mean it can be done um but then at that point you got to find a trustee and all of that why go through all of that when you can either make a phone call or do one cfpp complaint and like my wonderful person on this line just told you she did it the that call was the call from last week right so that call was on last Tuesday on Wednesday before 12 o'clock in the afternoon she sent her review not only did they remove it they updated it while she was on the phone not even 24 to 48 hours so that goes to show you when they ass be lying talk about we can't take that off yeah the [ __ ] you can stop playing because y'all know that they can but they want to know how far you gonna go with it right go the long way with the 1099 C because that's the private side of the process and in order for you to send a 1099 C you're gonna have to know who the trustee is and you can't do the public the private side if you don't know the public side yeah that's one of my problems with the the process not not with you in particular because you explain everything but just over the years and everything like separating the processes you know like because it all comes as one you know big thing at first and trying to separate what you do in each instance and not mix them with each other you know I mean that's why I was asking from the beginning that's one of the hard that's one of those things where I always tell people that Foundation is always going to be key because that is one thing that you'll see is people are mixing up processes telling you to do things without even knowing why you're doing them telling you to do things without even knowing how to do them properly and then everyone else gets confused because they hear someone mention okay I can fill out a 1099c but I guarantee you 99.999% of the people talking about any form of 1099 do not even know how to fill it out correctly which is why nothing is working for them and so you will see that a lot of times that you know recording your status gets mixed up with discharging and that gets mixed up with every other process that's a lot of misinformation you know what nephew and Dwight you could have been honest with it you know what else neew so I did a video a couple months ago discharge that [ __ ] and if any of y'all was on there y'all know I 99c in order to discharge it off I also know that my videos floating around Telegram and I also know that y'all like getting that information from people they can't tell you exactly how to do it and you'll get yourself messed up which is why I I did not teach the 1099 seat process for this because that 1099 SE process is almost a private process but more importantly you can make it a public process but you got to know exactly who to contact you have to contact the exact trustee and it has to be done by register mail there's some other things that need to be done with that and then the 1099c also has to be done on debt since at least three years or older without one year of them trying to collect on it so there's extra variables with that which is why when my videos and stuff get take it I don't get mad about the video I can care less about the video it's about the fact that people are portraying information over to people in the form of I'm going to help you through stolen information for path to freedom and then I'm you gonna get yourself [ __ ] up and now you GNA have to go find path to freedom because now you about to get reok that's real that's real so that that's just that but no I I personally notless you do have the foundation not unless you do know how to find the trustee and the representative that is over the trusty in order for you to be able to discharge that debt with a 1099c if you also sent over a foia request over to the location in Atlanta Georgia so you can get a copy of all the 1099 seats that ever been filed in your name so that you got the proof of claim to prove that they've done it I wouldn't I will call the cfpp and tell them I'm opting the [ __ ] out and take that [ __ ] off and get your scull high and period okay thank you very much you're more than welcome and next time you see my video in one of the rooms why don't you hit the three buttons for me H copyrighted Frenchman because the show is a copyrighted I don't really care that it's in there but I just did a consultation with a man that's old enough to be my grandfather last last week because people in these telegram rooms they're taking information from Here There and Everywhere that do not belong to them and this man is literally about to lose everything like this man was old enough to be my granddad like he made me cry with a real tear out my eye because he's literally about to lose everything trying to follow these people in these groups that can't help y'all and it's so sad yeah it's real sad I know all my videos is in your they say come find me because God knows by the time they come find me they busted and disgusted about I they got a ref like oh Lord but we can get it back but still yeah no just do it the other way now if you do BR once you get it taken off and you do decide that you want to collect the bag now that is a part of the bag and you will at that point go to the trustee but we haven't made it to the class for me to teach y' how to find a trustey in like 2.2 seconds like I can so that you can know exactly who to send it to but then at that point then I will teach how to utilize that 1099c so that you can now go and collect the entire bag for whatever the purchase price was okay but daddy is a part of this series closer to the end I appreciate you always all righty and more is more than my pleasure Miss Ruby hey Tama first of all I want to say thank you so much for everything you out here doing I want to give you your flowers while I can so just a quick question and just to piggyback on everything you just said that's actually how I came across you I've been researching you for about two weeks now and I finally found um somebody so I found you but I wasn't gon to get involved in that [ __ ] because I got a lot to lose not knowing what I'm doing so right anyway from the foundation so I am new to this so I apologize um so I do have some old student loans and then I have like a few other active loans and based on the information you just said for like so my truck loan is with a bank I can send them this information now are they going to try to repo my vehicle once I tell them hey I didn't opt into this or you know no ma'am because the only thing that you're doing is updating your credit rep now you get into doing like the wrer recision and stuff like that then that's when they be trying to come and play with you and stuff but you'll see in the class on the 29th before I tell you guys to do any process I show you how to protect your assets okay I show you guys how to lean where there is no lean because first a line first a time um but no with this because you can now with that one you can send it straight to the credit bureau you don't even have to add the car company on to that one okay okay you could just send it straight to the credit credit bureau hey it is a violation to report transaction history um you could just use that law so that they can remove the amount that they're saying that you owe the monthly payment amount and the full amount which will ultimately bring down your debt to income ratio which ultimately just hired just raised your credit score so like in the um in the back office like I literally I broke it down to different scenarios that I know that people are used to rather it's active car note that you have or if it's a credit card that you have there are certain ways that you want to construct the cfpb complaint so I made sure that I categorized it in that way so that it won't do harm but and it will do the good which it is that you're looking for okay so I'm just sending I'm just sending out letters telling them hey it's it's against the law to be reporting d d right you're actually doing cfpb complaints the only time that weally gota put a stamp on something to go to the mailbox baby we suing these people and that's another thing because I just found you um and we'll you can either shoot it to me or we'll talk later I need to know how to get the stamps because when I go to do registered mails and stuff the the stamps that you said I will need I don't have access to trying to you know how I can purchase those stamps so which St The Post St yes from the post office oh okay so now some sometimes they they might get funny with you like don't you want the 37 Cent step no bo I want you to go in the back where the vault is and I want you to open that and get me the stamps you can't order them online but they do better walking in thank you so much now the red and white register nail stamp they not going to get you and don't no but you don't want them to because it's chain of custody so you want the first line of custody to be the person at the desk now of course you're going to need the number off of there when you're sending the register coupon which we will go over later in another class okay but no on the chain of custody that's why it's considered register mail that register mail bundle that they got on the USPS that just say register meal that people tell them folks to get that ain't got no bar code on it that ain't the right one you want the one that has the bar code because when you're sending out these Securities have to become a register security what do you think makes it a register security register mail why because the post office is the head of Treasury gotta and your classes I work the night shift I just so happen to be off tonight um I need to pay for my next class I don't know if I'll be able to attend because I work 7 P to 7A will I be able to do like a re like a replay I know it's hard because they filling your information so tough you guys a part of the series do get the replay it's just it's never the the first class or the live class that I do that gives me the issue it is when I put it on sale for the public that everybody and their mama want to act like they now have the freedom okay yes so you guys and that's why you guys joined the series you know um you guys get no they they're not going to get it but it will be in inside of your back office each week when it's loaded you'll have the physical video for you to rely on and the written like documentation that I put together within like a ecourse so you'll have both to be able to help um through this process that's something new that I just started I think it'll be better because now you got the video because a lot can go on Within These phone calls so now you have the video and then you have the written instructions almost how Caleb did with the ebook from the last class y had the class and he came out with a stepbystep eBook and it helped a lot of people um understand it a lot better but instead of it be an ebook it would be done in an EC course and after this 90 days is done maybe we'll offer it to other people maybe we won but it's never the people within the physical class that sounds wonderful thank you so much Caleb Caleb is my email gonna be done tonight no I'm just messing with you yeah Caleb had to change his stuff because folks were stealing it and trying to people just be doing and we really got the the most fire show enough information that's gonna free you with theic on mared girl and with the crackhead still want to play us it's all right though we ain't gonna let nobody stop us because if we did baby I would stop we going to the top with this I'm ready period Teran it's trange but um I have a question so um in my case I just found out I had identity that with the Equifax um I'm in your private class so I know you talked a little bit about not submitting that but um it's just so much more information I actually got my um what is this my uh Lexus Nexus report so what I do the same thing with this recort and still get off all get the other three reports right so now that you have received your Lexus Nexus support report go back on Lexus Nexus website his security freeze and freeze your report and then get the count and see how much money you want and send them a b and send them a a a notice and a bill for violating your privacy okay so once you receive either the early warning services or the Lexus Nexus report which is your proof of claim then now go on and op out and believe it or not all these companies allow you opt out including Google if you scroll down to the bottom of the page every website says opt out we just not reading every company says opt out it's gonna be all the way at the bottom though okay okay thank you you're welcome San greetings greetings how you doing um question I have I didn't an assume name a Minnesota assume name so I know that's a DBA I haven't done anything with it though and that was with my all caps name do I just need to leave that alone um and then just re well I won't say redo and then just do the LLC and get the Ein that way and don't worry about the uh assume name or should I be doing something with that also um it depends on the reason in which it is that you created the assum name I couldn't tell you that okay no I just want I guess it was from my understanding it was for the same purpose as what you're saying now to be able toer as a business however I didn't move forward with it because I didn't receive enough information to feel ah so why I was just about to ask you that so why did you create a dbaa not knowing why you created it because somebody told you to yeah so they gave they gave the reason why initially but then when it came time to actually use it and want the rest of the steps it it wasn't clear enough for me to even feel comfortable yeah because yeah no I would just recreate as a LLC because you did a a DBA as what so what was that main company and which it is you put the DBA up under it was my my uh all caps first middle last name yeah no that's not how that work I would just just let that thing sit there but what I would do is if you get to a point where you open up a foreign Express um trust I would add that DBA up under the foreign Express trust as a protector because the foreign Express trust is how you get yourself out of federal jurisdiction and as a protection of all of your assets so just save it for that and put it up under that okay okay got let's see now if you was on here last week and you asked the question and I answered it you might as well put your hand on down and let the people who didn't either to get a question answered or that was not on here last week time to answer a question I know I try to answer as many as I can but then when I get tired and my energy get depleted then I can't get to everybody but I do try Okay Shantel hello hello hello my daring gratitude I don't even know if you can see me because my camera's on but for some reason my screen still shows black um you're good I don't really care too much about that that was you know I don't really care too much about that go ahead I did have um a question I have my um my emergency warning report and I have like over 4 my emergency warning report what's that the report oh I'm sorry the early warning service okay there we go there we go all right you got it Bo um there's like over 458 lines on here from Navy Fed I also pulled their privacy policy and it says for non-affiliates that they do not share and and it says we do not share so there's no point of me even opting out um but they do but they did though so I out um so the only thing I cannot find is the trustee and I looked on sec. report and I just cannot locate this trustee I can find Trustees for other companies on the 10K and the 8K but I cannot located for Navy Federal Credit Union because Navy Federal Credit Union is owned by its members which are you they do not have to file with the security exchange they they are not even under the FDIC they up under under the ncua so in that case are you trying to get them for privacy for violating your privacy by providing your information to a third party which is a violation in their terms agreement that they made with you correct so you actually send that over to the Law Department find out who the head of the law department is and send it to them as well as to the CEO and if you're looking for Navy Federal for anything else like Carlos and things of that magnitude you will be looking for the person in the securitization Department it's a black male I forgot his name but you can find it under linked anybody that you're looking for as far as a credit union you need to know who the key players within their company is look it up under LinkedIn it'll tell you okay and in the process of researching I did also find another letter that they had wrote to um stating that they were going to make sure that they protected because there was some issues or whatever so I also added that and abs absolutely you always put their words back into their face so that they could go ahead and offer you a check so you can get a set okay um that was all the questions I had thank you ma'am sound like a play you're more than welcome John C I'm coming back to you okay perfect can you hear me now absolutely excellent thank you thank you peace family um I just H I've been dealing with something for like the last two months ever since Equifax had that data breach no matter what um website I go on I've done identity IQ I've done my score IQ I've done uh FICO any like all the different um types of scoring models I cannot get my Equifax report every time I pull it up it just says nothing and then the most recent thing I can see was on Credit Karma and that was back in April but no website will give me an updated thing for my credit report for Equifax that's because they're going through litigation so what you trying to get um basically I was uh comparing side by side is to in regards to what information that they have violated on me um so that way I can send those CFB complaints because in the past I've sent a couple I've gotten some things removed um some things you know the case was just closed um and I've included laws as well but like I said I'm basically just trying to go through and make sure I have everything documented for for them as well yeah um you would actually have to try to cont uh contact somebody ATA your um in order to do that that is why the opt out law is so strong they can't deny telling you that you got the right to opt out when the law says you got the right to opt out that's why when no questions asked they immediately remove their s off of that report because you have the right to opt out that's why said create the letter in a create the words as though whatever permission they they you gave them because they say you gave it to them right so now you put that on black and white saying that you ain't got it no more because whatever consent that you give you can um resend your consent at any time and that's what we are doing with all of our processes whether it's your driver's license whether it's something dealing with your social security number whatever you sign you have the right to remove your signature you have the right to resend that a a lot of things they have done because of acquiescence you know they didn't tell you that you had to write to them and tell them that you wanted to opt out in 30 days so they didn't have it conspicuously written for you to even know that so they chose acquiescence on your behalf because you never told them not to same way with arbitration they tell you that you got 30 days to stop out of arbitration and if you don't now you're bound to it but they know you ain't worried about that you just got you a new whip you trying to stop for 30 days you ain't thinking about no opting out and that's how they get you okay Absol absolutely uh I just have one more quick question because I want everybody else's question to be able to get answered as well um nabe fed I deal with him as well they keep doing doing some silly stu stuff with my with an old charged off loan that I had from 2018 uh I've gotten two separate notifications on their app that it says that the account that I had with them was closed and when I contacted them um the agent I always spoke to no matter who it was I've even logged it like in regards to what they've said the time that I've called them and everything it always seems that they're very very reluctant to tell me things and one agent actually said oh well we actually don't know why you got this closed notification you're going to have to call TransUnion in regards to that and I'm just and I told him I was like this was on your platform why do I need to call a secondary you know a secondary party that you all shouldn't even be reporting to in the first place to verify something that you all did and then they even specified oh hey well um I just need to make sure I'm saying the right thing here to make sure to protect the safety of Navy Federal Credit Union so the protect of of Navy Federal Credit Union is saying that yeah on the public side it is absolutely closed for you to see but on the private side it still open for a certain amount of years so there's still trading securities within your account and until you move over to the private side of the bank there nothing you can do about it okay perfect uh well I'll just leave it I'll just leave them alone until then um because I'm I'm in the banking class so I'm pretty sure we'll be able to uh take care of that at persective time absolutely because you'll just go back and make them open it with a retitling okay absolutely thank you so much uh appreciate you all and I'm here for it thank you AB pleasure my not lady not not not y' ever need a not there she go here she go here she go she try so um I know we were talking about um a lot of this but I didn't hear anything about getting the inquiries removed I is it the same 15 15 USC 1681b permissible purposes that there if it's not an open account that is actually on your credit report they have to remove the inquiry so if they give you any push back just tell them to send you the documentation and which it is that they used to be able to verify that you actually have an open account with them they're not going to be able to provide it then they have okay because I just looked at my report and I see that They removed a a um a repo that was like 10,000 they actually just deleted it I just looked at the report good job now that's a proof of claim that's $1 th000 okay all right okay all right all right thank you hey hey beautiful um you know I love you um but anyways um so I had a question to ask because I actually got um denied for apartment like two years ago because they said that they had something on my um credit report from this old apartment complex um so they couldn't uh approve me even though that court case was like handled with they still had it on this other report and I had exter what report is it on and she couldn't tell me cor logic cor logic yeah you want to pull your core Logics report anything for rental pull the core Logics report once you get the report freeze the account because you can and then go from there but it's definitely on your core Logics report so you know they ran my credit though to do it and they did it twice too the apartment complex so once I do that can I recircle back around to them too and you know get money from for doing it yeah you can because the application was considered a security because it can be transferred to a third party so you have to find out who the Trust Bank is over that and send has a bill okay and you could do that well you know I'm in the other class so I'm guessing you'll just talk to us about that no absolutely okay all righty let's see who we got here Malachi I just want to say thank you very much for bringing me back in because um man my Wii just went out um and I just want to say thank you for your time because I know it's late over there and we've been on this for about two hours almost three hours so I just want to say thank you for your time I really I'm G Ki y'all off in a minute I'm just playing um so I'm I'm brand new at this this is my first class I didn't get to make the other class but I appreciate you for bringing us all back in my first question is the steps to getting credit repair and I step one is call cfpb and opt out using uh is it 15 USC 6508 6802 6802 okay and then I have to call them directly right before I make no no it's actually done through the cfp now the back office that I'm gonna give you it actually walk you step by step out do this okay okay okay cause I'm gonna be honest uh I wasn't really too good in school that's okay so this is like a school set and I was getting all nervous and stuff no don't get and see that's another reason why I created the the back office like I've ran several different classes and each class I try to find ways to make it better to make it easier especially if you're new to this so me adding the ecourse is something new um I'm even about to do it for my private banking class and the past classes that I had will even get access to that because a lot can get lost within a phone call you got people asking questions you got just a lot going on um and I know a lot of people work better if they can physically see it theirselves so that's why I created the the ecourse with the back office that you can access 24 hours a day you know this recording will be there and then the physical steps with the web pages and how to construct things will be there to help you guys um because everybody do learn differently so hopefully that ecourse will help if yall got any suggestions after see it that I can add to it to make it learning easier for y'all see I know it it's like in me you know um so I can shoot these these codes out in that because I've been doing it for so long you know and to get you guys at that same level being able to hear it and physically see it you can stop it pause it however um I think that that would help so once you guys get it it you see some improvements can be made I'm not like that say Hey PS maybe you should try this and then you know if it works it works if it don't it don't but the goal is is to make sure that everybody understands this information that they have the information and more importantly that when you're done with it you're able to reach back and teach somebody else it no don't worry about it Malachi I got you I appreciate it and I do have a final question um how much is your consult like your consultations like a one-on-one because I always used to come in at like at at lunch during my school times when nobody was around so I could have a one-on-one with the teacher and be able to learn learn a lot more efficiently because it it feels like taking a test I'll be honest with you it feels like Lear it's okay don't get frustrated it's all right I got you send me an email okay at path Freedom gmail.com and we'll talk okay but don't get frustrated I really try to break it down so simple for you guys to understand but still make sure that is impactful you know I'm saying like the young lady that was on that added seizure I have to work with her one one she just so happen to be in my State I might have to drive to her you know depending on your situation I do try to cater to as many people as I can in their needs sometimes that's a downfall for me because it pulls a lot of my energy but at the end of the day as long as you win Hell I'll take a nap go charge myself up in the Sun and I'll be all right so yeah but I got you though okay all right I'm willing to pay whatever it is too uh because I know your time's valuable and it's worth it's worth a lot so no problem just send me an email I got all right and I'm email I always see you watching Malachi so your support is appreciated bro I definitely appreciate that Caleb so between me and Caleb we got you B we got you we got you we got you Shelton thank you you're welcome Hey Queen how you doing I'm great I had a question um about the inquiries I use a lot of my personal um credit along with my corporations I have um is that still something that I can get taken off as well absolutely 16 15 USC 1681b permissible purposes use that law to get it off okay and and I also have one where experience business credit actually pulled my um credit profile you must have been down as a um as a personal guarantee so if it's not attach to open account just get remov okay what was that code again or 15 USC 1681 for mpal purposes okay okay thank you you're welcome is goody Lord uh I just want to say thank you for having this class and I'm kind of like the other dude like my learning is just on a different so I wanted to say I uh wrote Lexus Nexus but it it was like how the other girl was saying like there was it wasn't nothing on there have you ever previously put a security freeze on your Lex's Nexus no how old are you if your m asking uh 42 so do you get credit bank accounts anything yeah I have a like I have you know like on all of those other um third party stuff I have a lot of stuff there so that's why but nothing on Lexus Nexus nothing like and I and I tried two times to get this information and they keep writing me back it's just like paragraph As words but none of my information here oh um you have to contact them or maybe they just don't have a follow that's the only thing I can say okay and then um I was GNA ask too because recently I had got a repo from the same thing that you were saying like using these templates because I before I came to you like I was in another place and they were if I was using templates or whatever um so how I just want to know like how long does it take for them to or do they send you information to say now that it's written off or you just how would you know for sure like you're at that part of the process it depends on exactly what you did um but at the point that they got possession of the vehicle they not gonna try to comply with [ __ ] you talking about you got to take them to Federal Court B possession is not of the law not there is some possession rules um where they supposed to send you documents that they about to sell the car if they repo the car they had 24 hours to call the police and tell them they repo your car if not the car is consider stolen I reported is stolen to be honest with you because the the the rep no the repossession company has 24 hours to contact the police to let them know that their refo occur now you can't take them to federal court because you probably had an arbitration agreement within your contract that arbitration agreement Works everybody so crazy P like I I read over the whole contract because it's only four pages no you Misses a Pages baby I promise you call the call the finance company and ask them to send it to you but arbitration work both ways just like you have to go through arbitration and do legal they have to go to arbitration through legal but we'll be talking about that on the 29th of yeah all right thank you you're welcome what we got Miss Lorraine erena Lena thank you it's gratitude to you Tama I really appreciate everything that you're doing absolutely thank you I have uh a LCC and my name lower caps but it's erena trust company's LCC when I do the the all caps should I remove the companies off the back of it yeah you just want it to be your first middle last and LLC behind it nothing else okay uh and then I just recently took my DBA and did a escort uh should that also be in uh all caps as well uh it depends on what you develop the escort for uh a beauty salon no you can leave it the way it is okay uh two more questions really quickly I did my uh my e verify and I'm meeting to get some assistance on that what platform should I ask the question for to get my question answered on you can send a question to path Freedom at gmail.com okay one more um I had a house that was caught up in a predatory lending and I did a forbearance on it and I eventually lost the house is there something that I could do about that yeah you can but we're talking about credit so you have to wait till I talk about the class that and process of that and what class would that be um I haven't decided what week is in but it is in this series okay great thank you so much for your time you're more than welcome Michelle Hi how are you I'm great at you I'm doing good um I have the question of the charge off when you if I have evidence of them doing a 1099 c um like it on their report that they have like when I pull up um the invoices that they have they have a 1099c that they have on that listing how do I go about doing that with the credit report not on the credit it's not on the credit report it's in my file it's in what file it's in my file with the company oh well it's just in their file as long as it's not on your credit report then I wouldn't worry about it okay you can go back to try to get the fuz off of it but that's in another class okay okay thank you you're welcome Miss K hi thank you you're welcome um so I have a Parent PLUS Loan and it has not been forgiven and I was wondering do I do the Privacy Act of seven of 1974 with that as well the privacy act as well as the family and educational Act of 197 before use both okay and um uh I didn't know you had a banking class when does the next one start or is it too late for me to get in or you can you can send me an email to path the freedom gmail.com and I'll send you the information thank you you're more than welc again bye bye you're welcome Tiffany and Daniel hello can you hear me okay absolutely all right it's good to speak to you again likewise um so I had a question I understand about the Thousand fine um how do we go about that is that through like a lawsuit or fee schedule or something like that yeah once you have your proof of claim you send them a invoice based off of the violations of the consumer law it's in your back off it'll be in your back office too with it depending on who you send it to I only put the ones down for the major credit buus okay okay and it'll also be an example in there of how to construct the letter which is why it's only in y'all back office and not on the screen just in case somebody want to get funny with my stuff it's a it's a letter that's kind of constructed in there that will help you um to be able to send to them when you are pursuing your your funds okay okay okay well thank you very much you're more than welcome I think I think my wife asked something T I have a quick question um referencing the ebook that Caleb did is there any way that uh we could get access of that you have to ask Caleb that okay Caleb Caleb yes um send me an email and we can we can talk about that okay what is your email address my email is um oh she he'll send it to you oh I'll I'll direct message you give me a second here okay thank you Miss Angela Pitman I got more than one Angela so I got whole legal I'm sorry that's okay thank you so much for taking my question um I know you were talking about the stent loans and like you can get repaid from them when like because of the forgiveness program they're supposed to send you a check um if you already had like a set of loans that had been forgiven um because of like the school not um disclosing stuff properly um are those loans that already were forgiven can you get paid back for those too or just just the the ones that they're currently foret how long has it been over three years um they actually just closed that account in December of last year so yeah you actually you could um to see that they canceled out the debt or you guys's back office there's an address to the IRS location where you can order any 1099c that has ever been processed in your name which will show your pro a claim and then you have to do an administrative process to be able to receive that so I'd have to I'd have to file like that through the 1099c no no no process they no they've already filed the 1099c okay so you can actually get a copy of any 1099 whether it's a or C that has ever been filed on your social from the IRS location in Atlanta that address and information will be included in you guys' back office you would do a freedom of information requests to that IRS location to get those forms and then once you have them then you can do the administrative process with threatening a suit in federal court for Securities frud to those companies gotcha okay all right thank you so much for answering my question I appreciate it you're more than welcome it was my pleasure let's see well when I gotta they have not asked the question berisha hey so um I just wanted to put it out there on your conscious again about that banking class because I didn't get in um you guys answer you answered all my questions about credit already but I was just wondering if I could get in that's all yeah send me an email all right I'm taking over the emails now so y'all will actually get a response you'll get a you'll get a response I've been going through them and I'mma go through every last one of them sometimes you got to do it your damn self to get it done right but go ahead and send me an email at B Freedom gmail.com and I got you okay all right thank you you're more than welcome Miss Turner hello thank you so much for doing these classes I told you I learned so much thank you beautiful um my question is um I've learned from you that the IRS is not government agency it's a business and um the taxes that I have been owing for quite some time have been sent to a collection agency so they've been sending me um letter saying you know hey you ow owe us some money blah blah blah the IRS in some money so can I treat this now collection agency from what we've learned today the um same way as everybody else to get get that information um um off my credit report as well all right ma'am because all third party debt collections mean that one the debt was charged off and it was bought and sold it was sold um to a third party and you have no liability to a third party because you actually have no contract with them so in that case is a couple of things yes you can do the cfpb complaint but I would make sure that I add in there for whatever ever this said company is to provide you with the direct contract and which it is that they have with whoever the student loan whatever the debt is that they are authorized to collect for them and that they are just not a company that bought a debt and that's yeah but this is this is not even a student loan this is IRS this is oh yeah IRS I'm sorry yes yeah IRS okay cool awesome thank you very much that's it you're you're more than and then don't forget because it's with a third party collection agency that mean that they charged it off and that will be considered income and income cannot be reported to your credit report because it turned to two a to ticket fit of indebtness okay oh that's so oh my God you know you feel this do you see do you see that cloud just lift off yes I do I'm happy I can help thank you very much you're welcome be Forest can you hear me yeah all right um so uh my question was uh about being approved approved for uh credit lines when you when I go to a bank and say they deny me credit um is it is it possible to uh sue them for like discrimination or anything like that based off the U USC codes or CFR or anything like that well yeah and no but I will tell you that the the time and the effort that you have to put into that and more importantly the foundation in the laws of which it is that you will need won't even be worth it now what you could do is you can tell them um contact the underwriting Department and ask them what factors that they use to make that decision and then you can site to them the laws that at the point that you gave them an application and that application can actually be transferred to a third party that they actually open you owe you an open-ended account um but it also depends on you have the proper Foundation to be able to batter the people sometimes it's not worth it okay okay um one more question uh I was in a terrible wreck last year had to get some surgeries done um it's about $180,000 uh but it's been sent to collections and it's on my uh credit report now um um I'm not really worried about paying the debt uh or even uh that whole you know it's a 99c process that uh what I'm trying to figure out is how to get that removed uh the same way you do the same way you do any other DEA with that one Not only would you add the Privacy Act of 1974 Not only would you add the opt out you will also add that it is a violation of hiut that they provided your medical information without your authorization and that would be the three laws that you could use to get it removed okay okay I appreciate you thank you my pleasure all right we got YC Lawson yes thank you so um we requested the um the mortgage documents from the mortgage company and when we received it the documents had actually been altered um there were signatures that were on there that were not on there when we initially Endor the documents is there any that we can do regarding that you have the original documents yes yeah you have to find a trustee and you have to sue them for Securities fraud and um altering the application and some other things it's like when it comes to mortgage it's a totally different process you have to set up a CCT with me to get that because it's a little bit deeper than just doing a opt out or something like that because you're dealing with a mortgage but there's absolutely a way that you can do it especially due to the fact that you've caught them in fraud because the application is different but do you know why they were able to change that application because when you signed it you were the only person that de assign it there's no other signature on there but yours but just like they change the rules of it you can too but yeah set up a CSO with me because you need to know how to do an acceptance of the deed and some other things in order to um execute that properly where you own 100% of your home and get all your money back okay all right I'm gonna take about two or three more because my energy is about gone David Aris going once going twice next in line love it love you Coman can you hear me yes ma'am how you doing T I'm great thank you so so much um I want to say this I was trying to get your attention um di is my goddaughter um and I blank my picture out so that I can call her and check on her and see that's why I was blank out for so long um but she did come through and and got off of the live um so I just wanted to let you know that I had got off to check on her m question is back in uh 2018 I had a um CP wait uh CPN done and I had a um a credit card to Capital One bank that I was making payments on and then I stopped making the payments on there and I discovered when I pulled my uh credit report that it's on my credit report as a Civ judgment how can I get that off you did it with a CPN yes you cross referenc the you paid it with something they got your regular social security number on there so they tied it together but you get a civil judgment off the same way you can actually send a letter to the courts that they say did a civil judgment and ask them do they provide your information to third party agencies they're going to send you back a letter to say n you take that letter and you upload it for the to moove it okay send a letter to the court correct okay ask them for the agency that provided them with the document you can also send it to the agent too as an opt out because clearly they bought the debt um but yeah you're going to have to because they never sent you court papers or nothing because of course it wasn't under your social so that's the only that's the best way to get it off and you can also do an opt out and do the Privacy Act of 19 okay okay thank you you're welcome um paa Clark good evening how you doing I'm great okay right quick um I have a Carone um it was through State forign Bank um recently I received a coupon book a new coupon book and is this a credit question is it is it say it again yes yes is it a credit question yes okay um and the name changed to a different company um and this company also appears on my credit report I did research on this company and it's categorized as a collection a debt collection agency um is there anything within this process that we just learned this evening that can be done is it an active car loan yes it is well what happened was on that contract that you signed that retail installment agreement when you said that I gave you security interest you also gave them the right to transfer that loan so they didn't transfer it a million times so you're GNA have to do a recision and we talking about that on the TW class on the 29th okay thank you you're welcome mark Mark wedlock yes all right so I gotta this may sound like really question but this back office that you keep talking about I know there's other people on here that are wondering what it is where do we find this at so you guys are going to get an email and the email is going to have a link you're going to sign up under the link and it's going to open up would look like a ecourse inside of the ecourse it will have updates in there um from there on in you'll find your Zoom links from there and it have a copy of the class as well as it almost look like a course and it will have the different laws the different things in which it is that we talked about tonight to give you a satisfactory 700 score in every class like okay now my actual question that I have the credit question so my wife and I back in uh see I think 2019 we uh we we riged on a uh lease we got out of the lease like two months early and uh they tried to charge us for damages that were done to the the uh dlex that they're Mak this guy caused during a repair because we had a water pipe for us he basically just busted a big ass hole in the wall and kind of you know half ass put it back together anyhow so we owed them like $1,900 can we use the same proc to go uh get that one I know we can get it off but to just get rid of it Al together you see what I'm saying so it was done as a simple judgment no it's it's in collections right now in in a a collection agency but when you read the collection agency name it seems like it's a lawyer and I've spoke to them and I asked them if they were an attorney or if they were a collection agency because if they're an attorney they can't be acting as a collection agency at the same time the law states that and then her next uh her next action was to send me something itemized that didn't have any of their information on the envelope because actually bought the bought the debt from the third party so you can do the exact same process because you don't have any responsibility to a third party so I have no responsibility to these people whatsoever that is correct even though they even though they're telling me that they're trying to collect the debt for Leonard properties which was the the that that's correct tell them to prove it to you tell them to send you the contract until we them my Leonard properties and see you so I need to see the contract between them and Leonard Properties or the contract between me and Leonard properties between them and lard properties that they have the legal right to collect and that they just not somebody who bought a BK file and your file was in there or not that they bought Pennies on the dollars a night trying to collect from okay that's that's all I had to ask perfect I appreciate it thank you ma' you're more than welcome SES peace goddess peace um I actually had a question kind of piggybacking off of um the kind of what he was saying one thing I had happened to me was um pretty much the past two years they just was hitting me over had these credit card companies and fortunately I didn't know a lot of these things so um they ended up summoning me and getting me to court um and this was a third party collector that got me for this last one and then the other company um was Capital One but they actually ended up getting a judgment because I didn't come to court so what would I do in reference to those two scenarios is there anything I can do that would be uh full court administrative proc process if they already got a judgment against you you got to get the Judgment vacated got to set up a console for that answer because I have to see the papers it depends on the time frame it depends on the company all on the judgment is being and several other factors because every case is not the same and every that collection agency isn't the same as well okay and my my other question was um and because like I said I went through a lot with the credit but um with what with my company I had an LLC and I know you were mentioning um the LLC concept if I'm not really using the LLC um and I have it in a different name I was contemplating um letting it just you know closing it out but should I maybe change the name to my all caps name and use that LLC or should I just start fresh with a new one it depends on what you plan on doing with the LLC that's a your Cap's name if you want the years of history of it to report then just change the name of it okay thank you you're welcome I'mma Take One S is that you because that don't say your name but I know I know your voice I mean your face and your smile hey h hello hello yes um my daughter is queo and she had to step out so she texted me to ask you the question if you got if you chose her so there go was would we be able to um in regards to credit cards would we be able to apply this process if you're an authorized user on a primary card user account so unless the authorized user account is in a negative she can keep it on if the account is showing negative history then she can't personally do it but all she has to do is tell that person to remove her as authorized user and it'll fall completely off her report okay okay thank you you're welcome my love I see you um I'll be sending out y email tomorrow okay for our for our our next class I got you um my last question because I'm about to pass up Harry wood y'all know my day start at 3 o'clock every single morning if y'all see I post early because I'll be up and by this time I'm like a lady y life hey U you uh I got a question uh my question is um a couple months ago Char reporting on my credit report so my question is um do they got a trustee or somebody I can go after oh like report no now they reported now hold on let me start over um I'm kind of nervous uh now I checked my credit report and they removed um off my report so once I want to go get the bathro or whatever who do I go after do I go after the the the county or do they got like a I don't know what this the question um you have to go you have to go out their parent company and the parent company is the Department of Revenue for your state oh okay thank you you're welcome that was quick oh Ain no more hands up oh I was gonna take one more but they down so that is that my guys I will um I will um finish getting you guys' back office together so y'all can know what I'm talking about but it will really help you because it it breaks down this car into more so of uh do this do this this page this page write this write this boom send it get it good score so that's basically what it breaks it down into um to make it easier for you guys in this process or whatever excuse me you guys will get an email um advising you step by step of how to access the back office please fill out all of the fields if all of the fields are not filled out as you guys see it will not take and that is the only way to make it easier for me because I am doing everything by myself I said to Caleb I got Caleb so I'm not really doing anything about myself but the technical side up because he's not physically here with me so guys will get that but until then 15 SE the opt out the opt out just create a letter it can be simple right just what I said and you can change the name on each of the letters if you got Capital One you got this other company just change the name on there upload that crap to the cfpb get this stuff off of your credit report so you can go obtain the things that you want because you guys will be learning how to properly on the public site be able to discharge these things off okay so I will get that information sent over to you guys it will be in another email as well with the links and the instructions on how to do that and until then we do have another class that is on the 29th I did not push that class back because we roll this one back over um so we do have a class on the 29th the class on the 29th will be going over arbitration and how to get you guys' bills right before the holidays and the D not pay do not collect status and making sure that they ain't coming to cut your ass off in the process or repossess your car before the holiday so besides that you guys have a wonderful evening keep your energies high and I I'm back on Tik Tok we gonna see how long it'll be but my other page um I don't know I got so many pages I didn't got kicked off but yeah I'm on back on there um I might just post just a little bit um just a little bit of course I will make an announcement on breakout when it check you guys' email so that you can access your back office and until the 29th I will see you guys later 700 scores loading take the information y'all learn tonight use it as you heard it works it works it works just as simple opt out damn it out out so besides that y'all have a very good night and I will see y'all on breakout and I say y'all again on the 29th okay y'all will get another email for the 29th the same way y'all got it for the zoom one go ahead and register y'all get approved y'all see they come automatically and then y'all will be good okay so the system will run the same that way and I will see you guys on the 29th you guys have a very very very good night and until then psor freedom family um there was an affirmation I used to say in my last class it used to work so I'm G start it back again and it is simply I will not Chase I will attract everything good that my heart desires and wants say should be fly me on his 112222 portal I am wishing everybody good energy and all your desires are manifested you guys have a good night and I'll see you all soon byebye