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Find out how to Take away a Quick Sale From a Credit score Report

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How do I remove a SHORT SALE from a credit report?

If you’ve ever tried removing a short sale from a credit report, you know how difficult it can be! Alotta people get stuck and never can get rid of it.

But what if I tell you that there is some secret method that will get you erased almost every time you use it?

Today, I’m going to uncover step by step the secret way to remove a short sale from a credit report EVEN if you are just getting started with your credit repair.

What exactly is a short sale?

A short sale occurs when the lender is willing to take on a home or property that is being sold for less than the amount owed on the mortgage.

Typically this happens because a homeowner is lagging far behind on payment and cannot catch up, and the home is worth less than the amount they owe.

Well, this is a real shame for the homeowner because, according to QuickenLoans, a short sale on your credit report can lower your score by 160 points and stay on the report for YEARS!

And because of the pandemic, we’re seeing an increase in short sales and major credit violations in over 46 million Americans …

That’s why the world needs Credit Heroes now more than ever!

But usually short selling is difficult to get rid of with a basic dispute settlement technique.

You can deny them, track them, ask for research, send alerts, or even file complaints until you’re blue in the face and 9 out of 10 times they are only checked …

Credit Heroes frustrated and customers devastated.

But it doesn’t have to be that way!

There is a secret method that really works.

This strategy revolves around the fact that the credit bureaus don’t use the word “short sale”.

It is not part of their vocabulary!

The offices have account status codes that they use to communicate with installers and for reporting purposes.

For example, if your account was sent to Collections, there will be a specific two-digit code that the installer reports to the offices to indicate that the account has been sent to Collections.

Or let’s assume your vehicle has been taken back – there is a two-digit code for this …

If you are 30 days overdue there is a code for that …

60 days yes, another code …

When the account is charged … the same thing … a code is assigned to this status.

It’s really important!

When it comes to short selling, there is no code. It does not exist.

The offices simply DO NOT identify short sales with a status code and almost always report them as foreclosures!

And there lies the ERROR and the secret of erasing short sales from a credit report!

So here is what you need to do to make it happen!

Step 1 – Deny the short sale with the 3 credit bureaus. Submit a round one letter, which you can get with a Credit Repair Cloud free trial by going to creditrepaircloud.com/freetrial.

In the letter, list the short sale as inaccurate and ask them to delete it. If it’s removed, great – all done.

If not, you will receive a letter back stating that it has been reviewed and you can skip to step 2.

Step 2 – Write a dispute letter and submit it to the lender. The letter can be very simple. You can use the first round letter and simply deny the item, but you can also request the current status of the short sale. Remember, for this step you are going straight to the lender, not the office.

Step 3 – wait for the answer. When you get the response from the lender, it is checked 9 out of 10 times and the account status is clearly identified as “short sale” – which is exactly what it takes to remove it.

Step 4 – After you’ve provided evidence that the offices verified the item as foreclosure, and you’ve received evidence from the lender that it was indeed a short sale, it’s time to file a complaint with the CFPB. This can be done online at ConsumerFinance.gov. After submitting your complaint, take a screenshot of the complaint as you will need this in the last step.

Step 5 – Send a warning letter from the bureau to each credit bureau with a copy of the complaint. Point out that they are reporting the short sale as foreclosure, that it is inaccurate, that you have filed a CFPB complaint, and that your next step is to file a lawsuit if the account is not removed immediately.

By following these 5 steps, you will almost always get an automatic deletion.

The offices understand that they are wrong and will do everything possible to correct this.

Now I’m saying almost because there are some instances where the office just ignores you or reacts inappropriately.

In that case, you can do one more step that will be 100% deleted!

You need to contact an FCRA attorney.

If you follow the steps I just outlined, you will have written evidence, solid evidence that the bureaus violated fair credit reporting law.

When the FCRA attorney does their job, your client will not only receive a deletion, but also likely a significant financial settlement.

And if you’re worried about the cost of hiring an FCRA attorney, most of them work on an emergency basis so they won’t charge you unless they win the case with a cash settlement, and at that point they split this billing usually occurs with the customer.

That’s it! Now you can remove a short sale from any credit report almost 100% of the time!

Pretty exciting, isn’t it ?!

And if you want to learn more about how to dispute disputes and even get certified for basic disputes while I hold you by the hand as you start your own credit repair business in just 14 days, then you need to join the next Credit Hero Challenge ! We start in a couple of days so click the link in the video description or go to creditherochallenge.com today!

Be sure to subscribe to your favorite platform!

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