Description
Join our comprehensive 3-week masterclass and take control of your credit. In this series, you’ll learn to analyze your credit reports, identify discrepancies, and challenge unauthorized inquiries and debts. We’ll guide you through FCRA and FDCPA rights, providing practical steps to protect yourself from predatory practices. Equip yourself with the knowledge to build and defend your financial stability.
**Week 1: Understanding and Analyzing Your Credit Reports**
– Introduction to major credit bureaus: Experian, Equifax, TransUnion.
– Accessing your credit reports from AnnualCreditReport.com and alternative sources like Smart Credit.
– Learn why monitoring your credit regularly is essential for financial health.
– Understand FICO vs. Vantage Scores and the five key factors affecting your credit score.
– Mark up your credit report for discrepancies and learn the pros and cons of online disputes versus mailing disputes.
**Week 2: Identifying Violations and Understanding Your Rights**
– Basic overview of FCRA and FDCPA, including key rights and common violations.
– Understand the Statute of Limitations (SOL) on your debts and how it affects your strategy.
– Learn the difference between debt collectors and debt buyers, and how to handle each.
– Prepare for lawsuits by understanding your rights and using tools like SoloSuit.
**Week 3: Disputing Inaccuracies and Building Your Credit**
– Review permissible purpose and how to dispute unauthorized inquiries.
– Learn strategies for handling late payments, collections, charge-offs, and settlements.
– Kick off the dispute process with Round 1 dispute letters, and know what to expect in further rounds.
– Understand how the Consumer Financial Protection Bureau (CFPB) can assist you in getting the information you need.
Don’t let debt collectors win. This masterclass is your key to managing and defending your credit reports.
