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How To Dispute Accounts With Credit Karma | DIY Credit Repair Using Credit Karma | Accounts Deleted



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it's ricky and i'm back with another

video so in this video i want to show

you a client's account and i want to

show you how you can actually dispute

accounts

through the credit karma system so you

can go to creditkarma.com and i'm going

to show you

how he's able to get account deleted

before so

let me show you a quick way of doing it

when you go to credit karma find the

account that you want

find if you want to do it with trans

junior or if you want to do it with

equifax

now look we see trainer junior one of 41

points which is really good you guys

that's because a rise account was

deleted

but i'll show you what that looks like

too so go let's go to transunion and go

to derogatory marks

now the one that we just put in was for

this account right here this

right but that's a collection agency now

so that's ncb

so what you have to do if you want to

dispute any account on your credit

reports go ahead and click that account

so let's click the lvmv funding

and then you will see too that this

account was already disputed before

so when you click here on this account

too you can see that this account has a

20

27 53 balance so now we see

you know that information about that

account let's go ahead and click on your

total accounts

so go to total accounts go to accounts

now see if now that you're here on your

total account

any credit cards that's closed is going

to be under here and when you click on

these different credit cards you go down

to the bottom

you'll be able to dispute it but at the

same time they you already can dispute

one account at a time and we already

have an account in dispute

but say if you want to dispute this

account this account finally

went to charge charge off at first it

was reporting so many late payments

so what i want you to do is just check

my dispute status so that i can show you

what we technically did so far

with the accounts on the credit report

so we just did one today i literally

just did one today

and they're gonna actually they're gonna

ask you you know i'm gonna pop

up a screen shot so that you guys can

see what it looks like but they're gonna

ask you to pick one of the options now

this account was open

it's fraud basically that account is but

let me show you one of the past disputes

and show you that the accounts were

deleted so the last time we did this

piece

back for this this was the last person

last time this person actually did the

disputes

was back in 2017

back back in 2017

and they said i had no knowledge of this

account and then account was deleted

this account today said i had no

knowledge of this public record and it

was deleted you guys so

you kind of see where that is going with

that but those two accounts are actually

deleted from the credit report you guys

so that's how you can actually dispute

accounts all you have to do is just find

the account that you want to delete

so you just click on accounts right at

the top you can see the accounts button

that's if you're on your desktop

but you see that account you're going to

look through all your accounts you're

going to find the account that you want

to dispute

you want to click it and then to look at

this account right here they saying that

you know you will see your credit

improvement

if you take care of this collection in

first two years now

the account is removed from the credit

report they said it's going to go up 23

points if the account is paid in full

it's going to go up 25 points

now that is not true when you pay

collection accounts your credit is not

going to go up it's not that it's a

it's not that it's a charge offer

anything like that you settle for less

it's going to

go up 21 points only time i really see

the credit go well

um is when they get deleted and let me

show you how this may not be true too

let's go to another account and let me

show you what that may look like

look they're saying the same thing for

each account and that's that's simply

not true

some accounts are older than others so

you shouldn't get the same results for

every account i think that this is just

an

example you guys and i think that paid

in full is not true

that's only if it's like a charge off i

would suggest that you guys i would

suggest that yeah your credit probably

will go up because

especially if they're remo they're

marking it as late because those late

payments are coming off maybe your

credit will go up when you pay them for

but let's go to the dispute center so if

you if you see an account on your credit

report like we click this account

is go to the dispute center and don't

forget to you're going to have those

options that i'm going to pop up here

those options right there

those was you'll go ahead and pick one

of those and

you know clicks you have to check a box

and click submit and then that's it you

guys

but that's how you actually submit

a dispute through credit karma now i

really don't suggest that you guys

dispute

um dispute through credit karma because

the real way that you're supposed to

dispute is like this let me show you

the real way you're supposed to dispute

is kind of like this one

you see how we um have this dispute

information right here

i was never late i never made a leg

payments the terms are incorrect

they updated this account but probably

they just updated

it and they didn't really deleted it

delete it and that's how you really

supposed to dispute it but as soon as

you said that

the account is not yours then they want

to delete it from the credit reports

which is it's totally fair when

technically it should have been deleted

from this information

because they said the account has been

updated but

at the same time i don't mean that those

are the updates that is that should have

been

you know that'll mean that the updates

are actually correct you guys

but i see a lot of time you have when

you put on credit card i have no

knowledge of this account that account

is deleted and remember you only can

dispute through transunion and you only

can dispute one account at a time

so they have 30 days to investigate it

they said sometimes it'll take seven to

ten days for them to actually get it

done

and credit card will update you guys on

when it's actually done

so if y'all have questions for me

definitely let me know hopefully this

video was useful

for you if you need to get my letter so

that you can dispute the regular way and

you can dispute all of your accounts at

once you don't have to go one account at

a time you know

usually i tell people to put 20 accounts

on one letter

i because you can get you know 10 of

those accounts 15 of those accounts

delete in 30 days instead of waiting on

this one account to get deleted if you

know what i mean

and i'll make sure i pop up some of

those results you guys can see

you know how you can get a lot of

accounts deleted at once you don't have

to go one account every month

and then find out they're not going to

delete that account from your

credit report and not yourself nobody

you know

but i also offer the credit repair you

guys so if you want to start repairing

your credit and you don't want to go

this low route

then definitely let me know you guys and

i'll definitely be here for you guys

text us for the 21 000 so that you can

get you can be a part of my hundred

dollar giveaway my cash

giveaway on the first very much you guys

and hopefully this video was useful to

you

drop in the comments have you ever

deleted have you ever disputed the

account with transgender

and got it deleted so see you guys later

bye-bye

to do is if you want to try my trick i

want you to opt in to factor trust

so to open a factor trust you have to go

ahead and

click here so this is the website i'll

have it down in the description i want

you to opt in to factor trust

so when you opt into factor trust all

you're doing is telling them hey i want

to get credit card offers and you have

to apply

you you have to actually give them your

name your address your social security

number your date of birth

they're kind of they're credit bureaus

so they're similar to

you know trans union equifax and

experian those are the three major ones

but go ahead and click submit after you

click submit

then you want to go ahead and enter the

information that i told you that you

have to submit

go ahead and submit the information

click confirm now when you submit this

remember

you're telling them i want offers so be

prepared to get a lot of offers in the

mail

but that's good because remember you're

trying to build your credit score up and

for you to build your credit score you

need at least four credit cards

now let me show you what you can do

after you actually opt

in after you opt in then you have a

chance of getting approved for credit

cards

without them actually checking your

credit score so let's go ahead

and go to victoriasecrets.com because

that's the easy website where you can

just test and see if you can do the

opt-in

you don't have to get the credit cards

but you can see if you get the pop-ups

in your pre-approved welcome checking

your credit scores and without them

actually give you that hard inquiry so

let's go to victoriasecrets.com

so after we go to victoria secrets.com i

want you to put 200

to 250 worth of items in your cart i

already have items in my cart because i

did not clear my cookies

so if you try this trick and it's not

working for you i want you to clear your

cookies

i want you to clear cookies and i want

you to go into incognito mode and if you

want me to go through that let me just

run through really quickly

you have to ask i'll just do it let's go

ahead and click the three dots here at

the top so it's three dots at the

top and go to settings after you go to

settings i want you to put

pop into the box and i'm going to go

fast because i don't want to

if you already know this i don't want to

you know pull you through it

but i want you to go ahead and click

here where you see it's highlighted with

the pop

go ahead and click there scroll to the

bottom and you want to make sure that

you click pop here

and then you allow pop-ups to make sure

that it says allow

so make sure it says allowed on your

computer go ahead and click enter again

on pop

let's go ahead and just put pop in again

i want you to go to clear browsing data

that's your cookies that's when they

track you they know where you've been

so so far they said i've been to 169

sites

i downloaded 10 items like they know too

much right

so i want you to clear your data so

after you clear your data they're not

going to have this information anymore

so i want you to go to the victoria

secrets website

but i want you to do it in an incognito

mode i'm able to do it without incognito

but i want you to see what it looks like

to do it incognito

and this is actually called the shopping

cart trick what we're going to be doing

so i want you to put victoria's secrets

here click submit

click enter and i want you to put that

200 to 250

worth of items in your cart so i like to

just go ahead and hover over sleep and

go to cami sets but again it can be any

200 to 250 dollars that you want to

go ahead and pick the items you can pick

them yourself you don't have to go ahead

and follow these

items but i suggest you follow them but

you don't have to

and you can always rewind slow it down

or whatever it takes so that you can go

ahead and get this trick to work for you

so i like to click the small and i like

to get four of them

and so i get the four the same item i

don't like to go ahead and get different

items i think it's just too much work

and

it's not necessary so i'm going to add

this to my bag

now i want to click check out now as you

can see here the items is actually only

198 dollars but with taxes it's going to

put me over that 200

mark so i'm not concerned about it so

i'm going to click check out

after you click checkout you want to

check out as a guest

so go ahead and click check out as a

guest

now i want you to go ahead and type your

information in that same information

that you put into factor trust

i want you to put your first and last

name here your address here i want you

to put your phone number and your email

address in

and the reason why you want to put that

same exact information

that's because when the fact of trust

sent your information over to these

credit card companies or anything that

they gave them was your name your

address

your phone number and your email address

so that they can mail you stuff they can

email you things

then you can get all these different

offers right so put that same

information in here

but i want to type this information in

of the client that i have

so remember you want to make sure this

is that same information if you do not

put the information in correct then

they're not going to

go ahead and give you that pop-up that

i'm going to show you in a second

so i'm just typing in all the

information that you will have to put in

so that you can get that pop-up

and keep this in mind too there's over

60 different credit cards that allow you

to get the to get credit cards without

them checking your credit score

so go ahead if you get approved for this

one if you get the pop-up i want you to

get the

shopping cart trick guy in the

description where you can see those

60 different credit cards so i have all

of the information put in so i just want

to verify that everything is correct so

we can get the pop-up

so so far everything is correct i want

to click continue to delivery

so after you click continue to delivery

this is the pop-up that you're gonna get

it's gonna say congratulations you're

pre-approved for the victoria's secret

credit card

and this is the pop-up for all of the

companies you should get the same exact

pop-ups saying that you're pre-approved

now they're asking you to pick which

credit card you want to get so i always

like to get the pink if you watch this

plenty of times because you're trying to

master this trick then you know i love

the pink card so i'm going to click

accept now

and what i'm going to ask you for is i

want you to put your date of birth here

your last word digitally is social twice

and they want you to go ahead and check

this box here

and click finish submit for review so

that is what they want you to put put

here and remember

after you go ahead and put this

information in they're gonna let you

know congratulations you're pre-approved

for 500 you're pre-approved for a

thousand dollars

now i don't suggest that you actually

you know

buy the things on this i don't suggest

that you go ahead and get it what i

would do is i would just exit out

so i would click that x right there and

after you

after they tell you how much you're

approved for they're going to see that

card in the mail

so you can go ahead and look at my guide

down descriptions called the shopping

cartric guy

and you'll be able to get those same

credit cards that

that's on that guy and remember they're

not going to be checking your credit

score and they're not going to be

pulling your credit reports giving you

that hard inquiry

but if you have problems with hard

inquiries then go ahead and look down in

the description i have the heart and

card removal guide also

where you can go ahead and remove

inquiries from your credit reports but

yes guys i taught you guys the trick so

now i want you just to implement it

and remember you want to opt into factor

trust after you opt into factor trust

it's going to be so many different

offers coming in the mail

and now they're going to tell these

different companies that you want to get

the credit card which is going to make

it easier for dba to get them

so if you have any questions go ahead

and call or text me my phone number is

833 rakita

and remember i'm always here from for

you so you can always call or text me

you're my assistants we definitely here

for you and if you want me to try to see

if i can do this trick for you

i also have a section in description

that says click here if you want me to

try to do the trick for you

and usually that trick can be done

within 24 hours so i can see if i can

get you pre-approved if you have any

questions like i said

call or text me make sure you subscribe

like this video and leave a comment with

your cash app

so you can be entered into my monthly

drawing

you