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Podcast Appearances
You can't control no account unless you can control the address.
That's the only way that you can control any credit account is by making sure that you change the address on the file first.
Once you get the address changed on the file, even on any identifying documents that you need, now I can control the actual account.
Now,
When I'm controlling the address on the account, this is for any correspondence that I got going back and forth with a credit reporting agency of me getting the negative items off.
So when I'm getting them off, I'm using some of these case laws and studies that I've looked up and that I've seen because I'm doing this thing now is that when I seen it, I said, oh.
this person here has been sued.
And then I said, well, they've been sued by such and such.
Or they got this thing called the FCRA, which is the Fair Credit Reporting Act.
And I said, these are laws that governs the credit report.
If I can find anything that violate them in this, then that helps me remove these things off the credit report.
Then they got these other laws, which is called the Fair Debt Collections Practices Act.
If I look into these laws and I can figure out
What this stuff is doing, now I gotta figure out this whole system of when I send a letter in and where does that letter go before I get a return on it.
And that's when I learned, I said, hey, when I learned the government factors of it, the first government factor I learned was, I said, hey, when you send a letter in to them, right,
They have this system.
I got to understand these systems.
One of the first systems that I learned was one called eOscar, which is an online source for complete and accurate reporting.
Now, what does eOscar do?
eOscar gives you the code for anything that's negligent on a credit report.