How to INSTANTLY Delete Negative Items on a Credit Report - WITHOUT Having to Dispute Any of Them!

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  • Опубліковано 23 жов 2024

КОМЕНТАРІ • 200

  • @CreditRepairCloudDanielRosen
    @CreditRepairCloudDanielRosen  3 роки тому +10

    Learn more about growing a successful credit repair business at: www.creditrepaircloud.com/

    • @TimeisUp22
      @TimeisUp22 3 роки тому

      Is there a letter I can send to dispute PACER?

    • @forrestmessiah9109
      @forrestmessiah9109 3 роки тому

      sorry to be so off topic but does any of you know of a way to get back into an instagram account..?
      I was dumb lost my login password. I appreciate any help you can give me

    • @Hebrewsista
      @Hebrewsista 2 роки тому

      Hello, I am interested in the program, was signing up and saw the fees... how long is the program?

    • @qgdaboss7364
      @qgdaboss7364 2 роки тому

      Hmm

    • @CookieLThompson
      @CookieLThompson Рік тому

      Hello my name is Cookie I live in. I had hired vivixcreditsolutions May 10th repair my credit I had a name. And I told him that I was in a abusive relationship back in 2020. I was trying to set. Me and my family members on fire so I sent him to prison. So I had two evictions on my credit report I have to 2 repossessions on my credit report it was a utility and Gilbert Arizona for 787.00 here in Arizona but it's a the apartment buildings that I live in I'm still here running from the same apartment building 7 years whole. So my lease is up the end of August of 2023 nother happen through covid-19. And I had knee surgery. It's obvious what 23rd of August 2023. She told me it would take 45 to 60 days to clear up my credit. They charged me $1,400 to clear up my credit I don't have no bankruptcies I don't have no credit card debt.

  • @annie711000
    @annie711000 2 роки тому +10

    How would an average person like me know what accounts are connected to what addresses? For example , I have old addresses on mine, old employers etc, even addresses I never lived at. However, how would I know if a credit card charge off or collection is tied to which address? Once they remove all old/ incorrect information do they automatically remove the accounts associated ? I don’t understand.

  • @autogord6245
    @autogord6245 2 роки тому +2

    Can the credit repair work in the uk?

  • @dcrump
    @dcrump 2 роки тому

    Is this worth doing with good credit or just for bad credit etc situations?

  • @AntonioCamunas
    @AntonioCamunas 2 роки тому

    Transunion asked me to fill our a identity theft report and snail mail a letter to them? How can I bypass this? Thanks dude !!

  • @WhiteChocolate444
    @WhiteChocolate444 3 роки тому +14

    Thank you for keeping your video short and concise.

  • @Top3-z6y
    @Top3-z6y 3 місяці тому +1

    Can this information be applied to Canadians

    • @JamesDrawback
      @JamesDrawback 2 місяці тому

      Had to use the help of David to remove my negative items and fix my credit with a great score, he’s the best for credit restoration

  • @takeraknight5486
    @takeraknight5486 3 роки тому +17

    Do you need to freeze all secondary bureaus before starting to dispute all the negative items?

    • @raeraetheitkidd1327
      @raeraetheitkidd1327 3 роки тому

      From my research it is good to do so!

    • @thatlovegirl12
      @thatlovegirl12 2 роки тому +1

      Did you try this? Does it work?

    • @raeraetheitkidd1327
      @raeraetheitkidd1327 2 роки тому +7

      Yes I did try it! I froze a few accounts, one of the bureaus has no info on me bc none of the big 3 reports to them. (Innovis) It seems sage stream is now under lexis nexis and corelogic I am awaiting confirmation from them. But my points went up already and some old addresses and names as well as employers have been removed! I use alot of info from Road to 750 Shonda Martin! Thats where I got my letters to start my own credit repair!

    • @kearseboy84
      @kearseboy84 2 роки тому

      @@raeraetheitkidd1327 I just want to have only one address and phone number on my credit how do I start to get this done...so I can freeze then dispute?

    • @lizjo7213
      @lizjo7213 2 роки тому

      exactly!!!...

  • @andreaimmi
    @andreaimmi 2 роки тому +7

    Background music is stressful. Just take out the music

  • @ladyapollia2
    @ladyapollia2 2 роки тому +1

    Does this work to remove consumer finance accounts?

  • @autogord6245
    @autogord6245 2 роки тому +1

    Hi I've just signed up . I live in the uk will it still work?

  • @rachaelallison7375
    @rachaelallison7375 2 роки тому +1

    Can you correct with the agencies online or must be letter to them for name address and other personal info requested corrections ??

  • @TheAronex
    @TheAronex 3 роки тому +3

    When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account i

    • @alessicapryor5202
      @alessicapryor5202 2 роки тому +1

      Great question I want to know too! Did you ever figure it out?

  • @mzsunshine7702
    @mzsunshine7702 3 роки тому +19

    it works i just did it with all 3 bureaus now im just waiting on the reports to update. Super excited!

  • @cburgz3697
    @cburgz3697 2 роки тому

    Is this for Canada or the USA?????

  • @greentreecreditup2072
    @greentreecreditup2072 2 роки тому +1

    One of the most important tools is knowledge, these UA-cam videos help us understand the process in a simple and effective way, thanks for the excellent video, we are also a credit repair company and we love helping people, Green Tree Credit Up helps the client get the maximum score, we take care of late payments, collection, hard inquiry, eviction and much more, it is with great joy that we help our customers to buy their houses, cars, have an excellent credit card.

  • @BLACKMARKESS
    @BLACKMARKESS 2 роки тому

    I got a question for ya is it true that late payments can't be reported to the credit bureaus. as in title 15 u s.code 6821 or am I reading it wtong?

  • @thenotoriousvlog5986
    @thenotoriousvlog5986 2 роки тому

    My mother received a notice on her credit. Can she dispute it or delete it? It is something she did not do.

  • @stevenanderson3386
    @stevenanderson3386 3 роки тому

    Hi I’m trying to dispute my Bk from lexis nexus and If lexis nexus said there mov is pacer how do I dispute? Ask pacer for a mov? Or just ask them to remove my Bk from there files as the courts do not share with any 3rd party vendors?

  • @bernitabanks8595
    @bernitabanks8595 3 роки тому +3

    Hi, I use the software. Which letter are you referencing from the library? Thanks!

  • @aliciapeng4396
    @aliciapeng4396 3 роки тому

    Hi, Daniel. if I ask to delete my old address, I am afraid they will also delete the current good account related my old address, will they do that? All I want is delete the old address related my bad credit account which already closed, you know what I mean? Thank you !

    • @sheek2u
      @sheek2u 5 місяців тому

      You have to update the address with the current good account. Then have the old address removed.

  • @dinamac01
    @dinamac01 3 роки тому +3

    What if you send a letter to remove old address and I correct names, and the credit bureaus don’t reply? Do I resend the same letter again and again until the personal information is deleted per my request?

    • @yvonnesmith-oliver1772
      @yvonnesmith-oliver1772 3 роки тому

      I’d like to know the same thing!?

    • @monica2779
      @monica2779 3 роки тому +1

      No! According to federal credit law spelled out in the Fair Credit Reporting Act (FCRA), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

    • @NikolayPiter
      @NikolayPiter Рік тому

      @@monica2779 thanks for the info. What if they respond within the 30 day period and basically say to take a hike and everything is the way they say correct?

  • @ddrusa
    @ddrusa 2 роки тому +2

    Finally a channel that makes since

  • @ezekielpearce5113
    @ezekielpearce5113 3 роки тому

    I have a $173 medical bill in collections on my report that I just realized has been on there for 5 and a 1/2 years. Should I should I pay it off and ask them to stop reporting it for a credit boost? Thanks.

    • @duniajolly
      @duniajolly 2 роки тому +2

      It will erase in un and 1/2 years, if you pay it won’t get removed from your credit and also will rate your account.

    • @lalapapa3112
      @lalapapa3112 2 роки тому +2

      Ask the collection agency for a pay for deletion. You tell them you’ll pay if they agree to delete it from your account. Get the agreement in writing. When paying them be sure to use anything other than your bank account, debit card, credit card, etc (for example use a prepaid visa gift card, wire transfer, etc) but NEVER EVER give them access to your account.

    • @janeeshacopeland7734
      @janeeshacopeland7734 2 роки тому

      Effective 7/1/22, the credit bureaus will no longer be reporting on collections that have been paid. Not sure how much it would raise the score by paying it off, but if you for certain want it gone, then pay it off.

  • @TheAdeimar
    @TheAdeimar 2 роки тому +1

    So I correct my personal info with the bureaus then dispute any accounts that show under the old info?

    • @sheek2u
      @sheek2u 5 місяців тому

      Correct your address on any open accounts or good accounts then you'll be able to have the old address. You can't remove old addresses if they are attached to open/current accounts. I was just on the phone with a rep from Experian Dispute line. 5/1/24

  • @toynetthompson8180
    @toynetthompson8180 3 роки тому +2

    Is there a rule about disputing incorrect names such as hyphenated last names and /or special characters in a client's first name?

    • @monica2779
      @monica2779 3 роки тому

      Send an update personal information letter and request ALL but one of each, name address, phone, employer, SS#, & DOB be removed.

  • @latoyagrimes236
    @latoyagrimes236 3 роки тому +5

    Wow I dispute the incorrect, misspelled only. Now I will dispute the rest. Wow- thanks so much ❤️

  • @chloejones1914
    @chloejones1914 3 роки тому +3

    Couldn’t have asked for more !!!!!

  • @chinenyenwokenna6297
    @chinenyenwokenna6297 2 роки тому

    Yes but none of mines have wrong address or wrong anything. My good accounts show it’s the same address and information. So I guess this won’t work for me ☹️

  • @mrvip299
    @mrvip299 3 роки тому +4

    I had a old cable bill that went to collection but I paid the original creditor now my my report say paid in full and closed but I want to delete it should I dispute the credit bureau and not collection agency since the original creditor inform them it was paid which is there way of validation and if so what to say?

    • @jackrobinson4882
      @jackrobinson4882 3 роки тому

      Do both at the same time

    • @familyman7407
      @familyman7407 3 роки тому

      Disputed with the credit bureau first and you're going to state that is incorrect as for verification the collection agency will not be able to verify it because it's paid. Also do you have the proof that you paid it, if so send that with your ID your proof of address in your dispute letter

    • @mrvip299
      @mrvip299 3 роки тому

      @@familyman7407 hi it say it's paid on my credit report just not sure if I could remove a paid collection or how to do it

    • @monica2779
      @monica2779 3 роки тому +3

      @@mrvip299 You shouldn’t pay collection accounts because unless you pay in exchange for a deletion, it will be on your CR for 7 years (in GA that is).

    • @NikolayPiter
      @NikolayPiter Рік тому

      @@monica2779 AND the score could decrease also

  • @alexcamilo8000
    @alexcamilo8000 2 роки тому +8

    Personally, I think people should venture into trading since the economic meltdown, having one stream of income is not really a good idea cause your job doesn't secure your financial needs

    • @crafty.u3579
      @crafty.u3579 2 роки тому +1

      How does one get into trading?

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      @searchwwwmckayenginecom1190 2 роки тому

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  • @phyllisgraham4188
    @phyllisgraham4188 3 роки тому +1

    Question I asked a CA for validation they sent me a bill and the bill has a address on it that I never lived at. But I asked for the original contract with my signature they didn’t provide me with that how do I respond.

  • @gfree3411
    @gfree3411 3 роки тому +8

    So simple but so powerful. Thanks again for sharing your awesome knowledge.

  • @theroyalone7588
    @theroyalone7588 3 роки тому

    Question: so can I use a P.O. Box once I start to fix my credit as the address to send my mail to , as far as the creditors sending me Response Letters, can my Response letters be sent to my P.O. Box as my current address ??? Please help I really would like to know !

  • @chucalissa9231
    @chucalissa9231 2 роки тому +1

    How do I get help from you ?

    • @alexbellarose2077
      @alexbellarose2077 2 роки тому

      Do you need help??….

    • @dennisgadson6458
      @dennisgadson6458 2 роки тому

      Hello, I’m reaching out to you on the credit services I offer such as CPN and tradelines to get you approved for an apartment/house, car, high credit limit, auto loans, business funding, and building business credit, I make DL (digital and hard copy), and other paperwork. I also remove negative inquiries, student loans, repos, collections and do general credit sweep

  • @greasepuffnaps
    @greasepuffnaps 3 роки тому +1

    i have a question is a furnisher or
    credit bureau obligated to send you a response via email if sent a dispute letter through regular mail .Even if they have my email address is it legal for them to respond through email even though they received a letter?????😔😑 thank you already a credit hero

    • @CreditRepairCloudDanielRosen
      @CreditRepairCloudDanielRosen  3 роки тому +2

      Hey Brett, great question. If you sent the letter via snail mail, they are required to respond back via snail mail. Typically the bureaus and furnishers only send updates and responses via snail mail, unless you dispute digitally, in that case they respond via email. The letters you sent I assume do not include a email address, right? If that is the case, where'd they get it....? I would respond back with a "insufficient response" letter, and based on the time it took, demand a deletion.

    • @greasepuffnaps
      @greasepuffnaps 3 роки тому

      @@CreditRepairCloudDanielRosen well initially I gave it to them over the phone.They are lawyers representing the furnished. when I sent a verification letter they sent a response via email.I feel like messed up . And there response was half assed....can i request thet delete my email the????huge thx for the previous response😬

    • @a.m9199
      @a.m9199 3 роки тому

      There is nothing more to life than working with PARAGONOFFICIALS🎡COM credit company, because i thought it was all over when i went bankrupt due to my business that lost it sales in the market board it ruined my credit report and i lost points on my Creditscore but fortunately a colleague of mine that had same issue who has he way back already and fast referred me to working with them and how her life had been a good one. i decided to try them out and i got my standard back in the market board because they removed all Bad reports o my credit, cleared and removed all charge offs and credit card debt and boosted my credit score from 640 to 804. they work with good values and authentication. they also fund paypal and bank accounts. if you have similar issues, i mean you need a good credit report why not visit PARAGONOFFICIALS🎡COM ), visit their Page get their information and contact them we all deserve to be Happy

    • @monica2779
      @monica2779 3 роки тому +1

      @@greasepuffnaps you can’t request that it be deleted now because you personally provided it to them. When you sent the letter, you didn’t send it to the credit bureau? You should always send disputes to the bureau’s and send via USPS via Certified Mail because the bureau’s have 45 days to respond. If no response, your next letter to them should be an INSUFFICIENT RESPONSE letter, or similar. Then request deletion!

  • @sekiagarrett9019
    @sekiagarrett9019 3 роки тому +4

    Hey! So what letter do I use in the software?

    • @elizabethscott83
      @elizabethscott83 3 роки тому +1

      Did you ever find what letter in the software?

    • @sekiagarrett9019
      @sekiagarrett9019 3 роки тому

      @@elizabethscott83 no mam 🥴

    • @monica2779
      @monica2779 3 роки тому +2

      To clear up your personal information, you need to use a UPDATE PERSONAL INFORMATION LETTER or similar.

  • @kidmystery2010
    @kidmystery2010 2 роки тому +3

    This don't work the bureaus simply say an old address is associated with an account on report and refuse to remove it

    • @JOHNjohnmcneese067gmail.comrep
      @JOHNjohnmcneese067gmail.comrep 2 роки тому

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    • @NikolayPiter
      @NikolayPiter Рік тому

      @andrewcartwright.. who's Humphrey?

  • @taliaa7856
    @taliaa7856 3 роки тому +4

    Everyone keeps saying this but what if everything is accurate???

    • @monica2779
      @monica2779 3 роки тому +3

      You still want to remove all personal information except one address, one name, one phone & one employer. It doesn’t matter if all of them are accurate, you just want to have one of each. You actually only want to keep the name, address, phone number & employer that is not tied to a negative account. Say for instance you have a negative account on your CR and the bureau’s go to verify it, if the address you used when you opened the account is listed on your report, that negative account is now considered verified - it’s yours because your CR has that same address that you used when you opened it, listed on your report. The bureau’s will co side it verified! So it’s a good idea to remove all but one of each! Hope this helps!!

    • @taliaa7856
      @taliaa7856 3 роки тому

      @@monica2779 thanks. Makes since. So what if my negative accounts have my current address? Will I have to wait til I move until the account will be considered not accurate?

    • @DayTrader__
      @DayTrader__ 3 роки тому +1

      @@monica2779 and this works? You have tried it? Ty in advance

    • @victoriafreeman3431
      @victoriafreeman3431 2 роки тому

      I have 3 collections and it was paid for deletion. But those 3 collections did not get deleted. I have been fighting for over 3 months and it comes back as accurate

    • @ingr_m
      @ingr_m 2 роки тому

      @@victoriafreeman3431 did you get a pay for deletion letter before you paid them.

  • @TheUptownBody
    @TheUptownBody 2 роки тому

    What if my birthday is wrong on one of my reports?

  • @mccoywelch7436
    @mccoywelch7436 Рік тому

    Booyah !!!!! In one Day. Oh my God

  • @queenvictory6916
    @queenvictory6916 2 роки тому

    You can now get all three reports until April 2022.

  • @adriankikes4463
    @adriankikes4463 3 роки тому +2

    Hi all 👋🏾 So I checked my Equifax report and they have my current address incorrect, they mixed my current address up with my prior address but have both listed but the current address is still incorrect. How should I proceed??! Any advice will help!

    • @adriankikes4463
      @adriankikes4463 3 роки тому

      Michon Newman thanks for the response! I just sent my request to join the group 🙌🏾

    • @monica2779
      @monica2779 3 роки тому

      Only keep one of each of the following; name, address, phone, employer, SS#, & DOB. Send a letter requesting to update your personal information and list all other personal info except one of each of the following above.

  • @leesa702
    @leesa702 2 роки тому +2

    I love your personality! it gives me so much hope!

  • @kricklasalty1464
    @kricklasalty1464 2 роки тому

    Get on with it!

  • @friendlytester6861
    @friendlytester6861 2 роки тому

    Title: “Fix your credit without disputing“ video “ when you’re sending out your first round of dispute letters”

  • @carmac1652
    @carmac1652 2 роки тому

    I was approved by my bank for a credit card . and declined after she calls me and tells me my information is Rong on my credit bureau .how do I fixs . she said to call the credit bureau . thanks 👍🇨🇦

  • @bigty8225
    @bigty8225 3 роки тому +2

    Hey do you have updated fax numbers and addresses? Thank you

    • @lunacrc9120
      @lunacrc9120 3 роки тому

      Hey there! You can find the bureau addresses under dispute options in the Credit Repair Cloud dashboard. You can also check out our Facebook community for advice from your fellow #CreditHeros! 🙌 facebook.com/groups/creditrepaircloudcommunity

  • @positivemindset4715
    @positivemindset4715 2 роки тому

    Awesome videos

  • @LotanLevant
    @LotanLevant 3 роки тому

    Thanks for not being full of crap like everyone else

  • @estillcrew7467
    @estillcrew7467 2 роки тому +2

    DEWD! Love your energy! Thanks for the info!

  • @ajackson9326
    @ajackson9326 Рік тому

    Great broadcast

  • @Gospeed777
    @Gospeed777 2 роки тому

    I just sent my certified letters to update my personal info. Hopefully they delete all that info.

  • @socketyellow3
    @socketyellow3 2 роки тому

    .-. I just realized they billed me when I told them I was just there to translate then when they said oh we got someone. I was like oh ok you can just talk to her then.

  • @biblethumber4008
    @biblethumber4008 Рік тому

    Thank You

  • @detroitace5874
    @detroitace5874 3 роки тому +1

    Amazing thx 🙏🏾

  • @jamarjohnson4914
    @jamarjohnson4914 3 роки тому

    I got assistance and I'm so thankful

  • @socialluvbug8367
    @socialluvbug8367 3 роки тому +1

    Great stuff Daniel ❗️👍🏼
    Love it😍 thanks so much 🙌🏼

  • @jasminecoles178
    @jasminecoles178 3 роки тому +1

    Thank u 💓

  • @georgevanvalkenburg2560
    @georgevanvalkenburg2560 3 роки тому +1

    SPOT ON.............EXCELLENT!

  • @njreal8233
    @njreal8233 3 роки тому +4

    What if instead of my personal info being incorrect, the actual account info is incorrect. Two examples:
    1. (Late payment/closed account) two bureaus say my late payment happened in October. The other says November.
    2. (Closed/paid collection) only reported to two bureaus but the company name is spelled differently on both reports. Also, one doesn't even have payment history but classifies as a paid collection.

    • @latachia_2981
      @latachia_2981 3 роки тому +12

      It's against the law for them to report incorrect information. Dispute it. you can do it on your own. You do not need to pay anyone to do it for you.

    • @njreal8233
      @njreal8233 3 роки тому +4

      @@latachia_2981 sound like a bureau bully to me 👍🏾

    • @monica2779
      @monica2779 3 роки тому +2

      @@njreal8233 She’s absolutely right! Bureau bully or not, she’s correct in the information she’s providing. It is our right per the FCRA, to dispute inaccuracies!

    • @njreal8233
      @njreal8233 3 роки тому +2

      @@monica2779 exactly

    • @thatlovegirl12
      @thatlovegirl12 2 роки тому

      Did you try this? Did it work?

  • @juliearnet8581
    @juliearnet8581 3 роки тому

    Nice

  • @jimmurdoch2044
    @jimmurdoch2044 2 роки тому +1

    You bloody genius

  • @mzsunshine7702
    @mzsunshine7702 3 роки тому +2

    Yessssss I love our software this is awesome

  • @coachv4712
    @coachv4712 2 роки тому +1

    So your secret hack is to pray that someone made a mistake when input our information??? bruh

  • @jalabi99
    @jalabi99 3 роки тому

    An idiot recruiter misspelled my name when doing a credit pull once. When I found out I was furious.

    • @montanoemmanuel
      @montanoemmanuel 3 роки тому +2

      It’s easy to fix! do personal info update with credit bureaus

  • @ryanpope4124
    @ryanpope4124 3 роки тому

    Great advice.

  • @chrystianathomas4718
    @chrystianathomas4718 3 роки тому +6

    These people just ask you to come spend with them lol not how to fix anything

    • @mejinannena5384
      @mejinannena5384 3 роки тому

      Do you need assistance fixing your credit?

  • @marcellee464
    @marcellee464 3 роки тому

    Somebody stole my identity and ran up a bunch of credit cards in my name using my social but they got my dob wrong and I wasn't even old enough to have any credit when they did this I was still a minor so they changed my birthday by a few years and a day off and I've disputed the charges and credit cards and debt they ran up still it's on my credit report

    • @dennisgadson6458
      @dennisgadson6458 2 роки тому

      Hello, I’m reaching out to you on the credit services I offer such as CPN and tradelines to get you approved for an apartment/house, car, high credit limit, auto loans, business funding, and building business credit, I make DL (digital and hard copy), and other paperwork. I also remove negative inquiries, student loans, repos, collections and do general credit sweep

  • @teacher9015
    @teacher9015 3 роки тому

    I guess I'm impatient

  • @austinhogan2084
    @austinhogan2084 2 роки тому

    3.24 says the same thing as the rest of his videos

  • @j4k3z
    @j4k3z Рік тому +2

    Sounds like BS! Or a way to just give them your new address information, as well as restarting the clock on statue of limitations since you're attempting to dispute it.
    Here's another method I've read about: contacting the collection agency and offering to pay the debt if they first stop communicating it to the credit bureaus. Get them to agree to this and then immediately dispute the debt with all 3 credit bureaus. When the bureaus contacts them for proof of the debt they will choose to not reply. When the bureaus do not get a reply they will remove the debt from your reports.

  • @sherwoodjarrett1076
    @sherwoodjarrett1076 3 роки тому

    Not instant at all.

  • @thisisgamal
    @thisisgamal 2 роки тому

    Great ad for hope and sign up to your website. no useful information

  • @galagatron5319
    @galagatron5319 2 роки тому

    Advertisement!!

  • @vido-ai
    @vido-ai Рік тому

    Four minutes talking to get subject , board and stop watching. Consider that

  • @richardbaxters6258
    @richardbaxters6258 3 роки тому

    A credit score has nothing to do with anything..lol. what a joke.

  • @mabelh16
    @mabelh16 Рік тому

    Hi what’s your instagram page the link in the bottom says page not found.

  • @Steve-Chukee
    @Steve-Chukee 10 місяців тому

    You good to work as comedian 😂not an credit repair expert

  • @administration7249
    @administration7249 Рік тому +2

    Please give me a private message and I’ll give you my cell. I’d like to hire you and only you Daniel to manage my credit repair.