Examples of credit reports that are not complete and not accurate

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Examples of credit reports that are not complete and not accurate

Рет қаралды 12,903

Alabama Consumer Protection Lawyers

Күн бұрын

Пікірлер: 78

@michellerenee9772 Жыл бұрын

Thank you for sharing. 😀

@johngwatts Жыл бұрын

You are very welcome!

@7339memo 3 жыл бұрын

You a wonderful Person/Lawyer

@johngwatts 3 жыл бұрын

Thank you!

@esmiley3 3 жыл бұрын

Sir, your videos are very useful! They answer tons of questions, please keep going!

@sistahzkreationz 2 жыл бұрын

This is exactly what I needed!! Thank you so much! I have been watching your videos and have learned so much. they have great information and very helpful. Now I have a clear and better understanding and can do everything the correct way along with some information I already learned, because some of this stuff you here on the internet whew (with my hand on my head and head down. lol).

@johngwatts 2 жыл бұрын

I'm glad it was helpful!!! Best wishes on fixing errors! John

@7339memo 3 жыл бұрын

Please do more

@johngwatts 3 жыл бұрын

Will do thanks for watching!

@7339memo 3 жыл бұрын

@@johngwatts thank you for all you do

@AnnaSzabo 3 жыл бұрын

Very good information and helpful in my situation. My reports are INCONSISTENT and INACCURATE so I am disputing now

@johngwatts 3 жыл бұрын

Spell out all the errors or missing info -- best chance to get it fixed and if they don't fix, then to sue.... Let me know how it goes for you. John Watts

@drizzle4shizzle24 3 жыл бұрын

Great information!

@johngwatts 3 жыл бұрын

Thank you!

@Deborajosephsplatt 2 жыл бұрын

Thank you for providing a detail analysis; it is very informative

@tonyv4801 3 жыл бұрын

Thank you very much. If you can please do more of those and how to dispute with the bureaus. Your videos are so valuable!

@johngwatts 3 жыл бұрын

Will do Tony -- thanks for watching and commenting!

@Simplycredit Жыл бұрын

🔥🔥🔥

@Mamayesmama189 Жыл бұрын

I’ve been trying to get with your office John but haven’t received a response. Please advise. Thanks 😊

@lowrider5717 Жыл бұрын

dont you want them off your report and not fixed as they never do fix it

@johngwatts Жыл бұрын

Credit bureaus -- Equifax, Experian, and Trans Union -- and the data furnishers (Capital One, Midland, etc) always have the option to fix errors. Or to delete accounts with errors. If they don't fix or delete, then they have violated the FCRA (Fair Credit Reporting Act). John Watts

@7339memo 3 жыл бұрын

Great information

@johngwatts 3 жыл бұрын

Glad it was helpful! Thanks for watching!

@curtisbowers6948 3 жыл бұрын

friggin awesome!!! well put...THANKS

@HulaRydesdealersacademy 11 ай бұрын

If you have an item that is scheduled to be deleted within the next 6 months, typically, will they honor an early deletion request?

@lucysam5820 3 жыл бұрын

Hello Sir Watts, How are you? I always enjoy your so informative videos. I will like you to do more of these videos and how to construct the letters. Thank you always

@botanicagravez 3 жыл бұрын

Thank You so much 🙏🏾🙏🏾🙏🏾

@johngwatts 3 жыл бұрын

You are so welcome!

@Harleyrugger 2 жыл бұрын

Love your videos. Can't wait to see more.

@m.w.3692 3 ай бұрын

If anyone knows this answers: Transunion has removed all my charge offs but EX and EQ haven’t.. and those 2 also have differences on what’s reported. Could I use Transunion as proof to remove CO’s or should I only use the discrepancies? THANK YOU SO MUCH!

@BamaTasha008 3 жыл бұрын

Love this content!

@johngwatts 3 жыл бұрын

thank you!

@BamaTasha008 3 жыл бұрын

@@johngwatts Hey! Quick question - per Alabama law, should the original creditor report a charge off with a balance? Should it be $0? And are they supposed to send the consumer a 1099 statement to report as income for the debt that's reported as a loss to the IRS? (Also, I wanna apply this question for a repossession with a deficiency balance but I would like proof of the sale of the vehicle as well).

@robertvondarth1730 3 жыл бұрын

Hello again You probably don’t remember, But I commented a few months ago about some bogus claims collection claims against me. The CA dropped the CR hit and sold the claim, now it has bounced to a second CA in the chain Items on the claim are not itemized - lack specifics and dates . E.g “previous balance $500. No dates no specifics. It is uncollectable and yet they reported it to collections

@johngwatts 3 жыл бұрын

You may want to send a dispute letter directly to the collection agency and point out the errors and see what they will do. If that doesn't work, then look at disputing to the credit reporting agencies. Best wishes and hope it comes off ASAP! John

@MissionaryInMexico 3 жыл бұрын

Aha. Good video. I had a chance to sue Transunion and a bank some years ago for slander of credit. But I didn't do it. Kicking myself now but I watch my credit report like a hawk, now.

@johngwatts 3 жыл бұрын

Experience makes us smarter! Good for you to watch your reports and if they mess up, you know what to do now. :)

@Xtremeproducts 3 жыл бұрын

You just gained a new subscriber. Wish you practice in Colorado.

@johngwatts 3 жыл бұрын

thank you!

@drizzle4shizzle24 3 жыл бұрын

Please show how to construct a dispute letter

@johngwatts 3 жыл бұрын

Will do -- its on my list and just thinking of the best way to show it. Thanks! John

@dinamac01 3 жыл бұрын

In these example, there are multiple inconsistencies across the board. When challenging these inconsistencies can I add all the remarks of an account in one letter?

@johngwatts 3 жыл бұрын

Yes. There are different approaches. Some people put all the accounts in one letter. Others do one account per letter and then put all the letters in one envelope to Equifax, etc. No real right or wrong answer -- just whatever works best for you. John

@JamieSmith-jo5dy 2 жыл бұрын

Can you help me? Please respond I live in Illinois?

@johngwatts 2 жыл бұрын

Jamie I'm not licensed in IL -- I do work with different lawyers around the country. Let me know if general what your issue is or reach out at www.alabamaconsumer.com/contact-us/ and I'll see if I can help you or someone I know can. Thanks John Watts

@andykopyloff9737 3 жыл бұрын

Could you do a video about constructing a dispute letter?

@treasuresbysata2165 3 жыл бұрын

Hi sir. I would like to know if (equifax)... schedule to continue on report until & (transunion)...estimated month & year this item wii be removed. Should the dates match?

@johngwatts 3 жыл бұрын

So normally Equifax will give you the date of first delinquency -- it should be reporting for about 7 years after that. Experian and TransUnion won't give this to you -- instead they give you the estimated date it will be removed. So you can see if these will match. Hope that helps! John

@treasuresbysata2165 3 жыл бұрын

@@johngwatts Thank you...for take the time out to respond. I really love your videos ( brief & detailed)...Thank you

@drewblog2328 2 жыл бұрын

Is it inaccurate if June & July have 120 day late mark?

@johngwatts 2 жыл бұрын

So one of the bureaus will often NOT go to 150 days and 180 days but will stay at 120 days. So if that's the case I would not dispute it. Its more of where it is just impossible like going from 30 to 90 (June to July). Hope that helps! Best wishes John

@19lol19 3 жыл бұрын

Where can I find the dispute letters, the ones you create? You mentioned it at the end of this video

@johngwatts 3 жыл бұрын

Contact me through www.alabamaconsumer.com/contact-us/ and I'll send you some documents and links to a webinar series where we go over from start to finish how you properly dispute actual errors. Best wishes John

@19lol19 3 жыл бұрын

@@johngwatts thanks

@smurk1877 3 жыл бұрын

So for education purposes how should my dispute letter be written properly

@arttxIII 3 жыл бұрын

Thanks for the great video!!! I know this may be a studio question but, when I write my dispute letter does it matter if I use a pen or pencil?? I just don’t want them to be able to scan my letter. Also, on all of my accounts on my credit report, they all have a lot of inaccuracies that I’m sure that I can get them deleted easily. Should I dispute each inaccuracy one by one or all of them together?

@johngwatts 3 жыл бұрын

Here's a video for you -- hope this helps! -- kzfaq.info/get/bejne/gp6IgbGWms-RaKc.html.

@madamhavok2114 3 жыл бұрын

Can you be 120 days late for 3 consecutive months before they list it as a charge-off?

@thestayathomedad3481 3 жыл бұрын

I’ve done multiple disputes on my very inaccurate credit report. I’ve wrote very good disputes and pointed out the issues but never got a deletion. I think I’m going to file a complaint with the cfpb

@pacs0508 2 жыл бұрын

Did they ever remove the errors?

@untrellsharp1229 3 жыл бұрын

Can a collection company keep reporting 30 days late on your credit monitoring service?

@johngwatts 3 жыл бұрын

So that would be a bit odd for a collection company to be reporting you as late. Have you checked your actual credit reports here -- www.annualcreditreport.com/index.action Credit monitoring is useful but best to pull directly from the credit bureaus and you can use that link above to pull once every 7 days from each bureau until April 2021. No charge. :) Let me know what you find when you pull your reports thanks! John

@untrellsharp1229 3 жыл бұрын

I haven’t yet, but I will today. Thanks for the quick response and keep those great videos coming.

@monthandy7220 2 жыл бұрын

Neither one of the three major credit show a payment history for a closed late payment account..Is that a dispute issue..

@sunkistlbc Жыл бұрын

I recently disputed my collection debt on 10/13/22 through experian online about the actual date of when the debt went into default. My debt is 6 years old and has past the SOL for California. Did I just made a mistake? Is this consider acknowledging my old debt and restarting the SOL?

@dfiant5846 3 жыл бұрын

Can I call to dispute if I have this many mistakes?

@MegaYoungday 3 жыл бұрын

From what date does the statue of limitation to collect start?

@johngwatts 3 жыл бұрын

Usually the first missed payment that was never caught up although it can vary by what type of debt, the state, etc. But first missed payment never caught up is a good starting point. John

@paulbrown7775 3 жыл бұрын

Do the dispute letters go to just the reporting agencies, or also to the furnisher and/or the original creditor? Thank you,

@rindershow212 3 жыл бұрын

Hi, I'm in Florida. How can I contact you for your services in regards to inaccuracies on my report due to a 1yr old charge off?

@dinamac01 3 жыл бұрын

Would you recommend sending a screenshot of my Smartcredit report that shows all three bureaus to dispute and show them the inconsistencies between bureaus?

@johngwatts 3 жыл бұрын

That can work. Do keep in SmarCredit (which is good) is not always accurate. So ask for the full file (Section 1681g) from the bureaus so when you get the results back you can compare the actual reports. But Smartcredit is good to get started and it is nice how it is laid out side by side by side. :) John

@gatitaoso4443 3 жыл бұрын

What attorney do I go to if the agencies won't correct or remove?

@johngwatts 3 жыл бұрын

So you would look for a lawyer that has experience and expertise in suing under the FCRA (Fair Credit Reporting Act). If you don't have someone, you are welcome to reach out to me -- www.alabamaconsumer.com/contact-us/ and I can see if I can help you or get you to someone in your state. Or you can go to www.consumeradvocates.org/find-an-attorney to search for a lawyer. Best wishes John Watts