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@clevercapitalfreedom Avatar @clevercapitalfreedom Clever Credit Guy

Clever Credit Guy posts on TikTok about debt, finance, delete, collector the most. They currently have XXXXXXX followers and XXX posts still getting attention that total XXXXXX engagements in the last XX hours.

Engagements: XXXXXX #

Engagements Line Chart

Mentions: XX #

Mentions Line Chart

Followers: XXXXXXX #

Followers Line Chart

CreatorRank: XXXXXXX #

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Social Influence #

Social category influence finance XXXX% ncaa football XXXX% stocks XXX% countries XXXX% technology brands XXXX%

Social topic influence debt #162, finance #2218, delete #384, collector #125, student loans #2, let me 0.52%, credit cards #619, pov you #1074, accuracy #635, agencies #613

Top accounts mentioned or mentioned by @mangodelight808 @iamcharleennicole @mzheadgazm @1malaplava @bensaluna @youwoundent @user8173906469012 @cleverbizcredit @user1616149974696 @librasdoitbest @piavangel @djgojabean @brandyboo81 @lacenlight @leeann1822 @tierralanee @universalfunneling @luisantoniojrv @musicby3tg @blswearington

Top assets mentioned Bank of America (BAC) Alphabet Inc Class A (GOOGL)

Top Social Posts #

Top posts by engagements in the last XX hours

"This is the single instant of a sentence that changes the game. most collectors are banking on the fact that you do not know your fcra rights #creditrepair"
TikTok Link @clevercapitalfreedom 2025-10-05T20:36Z 498.2K followers, 233.8K engagements

"How to ask for a 1099c form to dispute a charge off #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
TikTok Link @clevercapitalfreedom 2023-05-19T15:18Z 498.1K followers, 497.4K engagements

"Most people don't know this when a creditor sends you a 1099c that means your that was officially canceled #creditrepair"
TikTok Link @clevercapitalfreedom 2025-09-30T15:22Z 498.1K followers, 94.3K engagements

"15/3 credit card payment hack #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
TikTok Link @clevercapitalfreedom 2022-11-01T12:49Z 498K followers, 228K engagements

"Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital are suing everyone #creditrepair"
TikTok Link @clevercapitalfreedom 2025-01-15T16:32Z 498.1K followers, 337K engagements

"Debt collectors disappear when you ask for this one thing #creditrepair"
TikTok Link @clevercapitalfreedom 2025-09-24T18:52Z 497.8K followers, 314.8K engagements

"Replying to @youwoundent great job One of many ways to dispute and beat debt collectors #creditrepair"
TikTok Link @clevercapitalfreedom 2025-10-15T18:40Z 498.2K followers, 1014 engagements

"Lower your debt to income ratio this way"
TikTok Link @clevercapitalfreedom 2025-08-14T12:30Z 498K followers, 3494 engagements

"Do this when you have a repo man in your driveway #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #credittips #money #repos"
TikTok Link @clevercapitalfreedom 2023-06-21T19:04Z 498.2K followers, 790.4K engagements

"Late payment removal tip with capital one chase Wells Fargo American Express Bank of America #creditrepair"
TikTok Link @clevercapitalfreedom 2025-02-19T13:11Z 498K followers, 860.8K engagements

"Portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital purchase agreement"
TikTok Link @clevercapitalfreedom 2024-02-22T14:27Z 498.2K followers, 1.1M engagements

"How to dispute a charge off on my credit report #creditrepair"
TikTok Link @clevercapitalfreedom 2024-11-16T15:27Z 497.8K followers, 19K engagements

"Ask for these items when disputing student loans #creditrepair"
TikTok Link @clevercapitalfreedom 2025-09-23T15:47Z 498.2K followers, 14.2K engagements

"One sentence that can stop a debt collector cold. Hey I'm the clever credit guy coming to you Loki to provide you with real credit game"
TikTok Link @clevercapitalfreedom 2025-08-06T13:08Z 498.2K followers, 183.8K engagements

"Credit card strategy if you have bad credit #creditrepair #creditcard"
TikTok Link @clevercapitalfreedom 2024-06-24T21:38Z 498.1K followers, 389.1K engagements

"Dispute anything on your credit #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
TikTok Link @clevercapitalfreedom 2023-05-09T18:13Z 498.2K followers, 217.4K engagements

"Your Name Your Address City State ZIP Code Date Experian Information Solutions Inc. P.O. Box 4500 Allen TX 75013 Subject: Round X Dispute: Failure to Conduct Reasonable Investigations as Highlighted in CFPB Lawsuit Dear Experian Dispute Department I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act (FCRA). This letter serves as my formal Round X dispute regarding the following accounts: X. Account Name and Number Brief explanation of the issue e.g. This account is reporting"
TikTok Link @clevercapitalfreedom 2025-01-25T14:00Z 498.2K followers, 46.1K engagements

"Excessive debt collector calls. What do I do"
TikTok Link @clevercapitalfreedom 2023-10-08T23:26Z 497.6K followers, 59.1K engagements

"To see if HEB is warning TransUnion that if they are not complied with investigations they will be classified as Shannon investigations and get sued the same way they did to experian"
TikTok Link @clevercapitalfreedom 2025-08-15T17:39Z 498.2K followers, 46.1K engagements

"Send this letter to debt collectors like Portfolio Recovery Associates Midland credit management lvnv funding and see wonders happen #creditrepair"
TikTok Link @clevercapitalfreedom 2025-02-06T13:23Z 498.2K followers, 140.6K engagements

"How to remove late payments from your credit report #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
TikTok Link @clevercapitalfreedom 2022-09-26T15:52Z 498.1K followers, 740.2K engagements

"You just had to Google Clever Kit Ai"
TikTok Link @clevercapitalfreedom 2025-09-18T17:07Z 498.2K followers, 11K engagements

"Where is your master promissory note"
TikTok Link @clevercapitalfreedom 2025-07-10T22:34Z 498K followers, 27.3K engagements

"if you have collections from Portfolio Recovery associates lvnv funding Midland credit management Jefferson capital or any other debt collection agency hear me out. you need to ask for four things that will invalidate that and have them remove it off of your credit report. this is your right under the fair debt collection practices act the fdcpa. the agency must provide this information before continuing with collection efforts"
TikTok Link @clevercapitalfreedom 2024-04-11T14:14Z 498.2K followers, 167.4K engagements

"Use my letter to dispute the collection #creditrepair"
TikTok Link @clevercapitalfreedom 2025-02-05T13:32Z 498K followers, 186.7K engagements

"Do this ASAP #creditrepair"
TikTok Link @clevercapitalfreedom 2025-01-26T20:05Z 498.1K followers, 101.8K engagements

"Debt collectors and the borne chain of title c#creditrepair"
TikTok Link @clevercapitalfreedom 2025-02-03T16:24Z 497.8K followers, 13.8K engagements

"Removing collections and charge offs let's go #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
TikTok Link @clevercapitalfreedom 2023-03-16T20:32Z 498K followers, 220K engagements

"DM XXX for credit help Ask for the purchase agreement and you don't owe the debt if they can't validate. Portfolio Recovery associates Midland credit management lvnv funding Jefferson capital most of the time are unable to verify"
TikTok Link @clevercapitalfreedom 2024-06-13T14:57Z 498.2K followers, 1M engagements

"the Experian cfpb lawsuit has kicked into effect. this dispute letter that I have used which consists of round one two and three has gotten me insane results #creditrepair"
TikTok Link @clevercapitalfreedom 2025-02-03T13:13Z 497.8K followers, 101.9K engagements

"Portfolio Recovery Associates Midland credit management lvnv funding"
TikTok Link @clevercapitalfreedom 2025-05-21T23:38Z 498.2K followers, 6703 engagements

"How to dispute using Clever Kit Ai"
TikTok Link @clevercapitalfreedom 2025-09-14T14:09Z 498K followers, 7142 engagements

"Debt collectors cannot report on your credit without your consent Is this actually true #creditrepair"
TikTok Link @clevercapitalfreedom 2025-10-08T17:30Z 498K followers, 3110 engagements

"Removing old personal information from your all credit bureaus #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
TikTok Link @clevercapitalfreedom 2023-01-12T14:17Z 497.7K followers, 81.5K engagements

"How to beat collection and dispute them using two tools #creditrepair"
TikTok Link @clevercapitalfreedom 2025-10-03T16:59Z 498K followers, 3626 engagements

"🚨 WAGE GARNISHMENT GOT YOU GHOSTED 👻💸 Ever opened your paycheck and thought "who invited THIS party crasher" Default judgment sneaking into your bank account like that ex who still has your Netflix password 🙄💔 We're not saying appealing wage garnishment is a vibe. BUT IT COULD BE ✨ Imagine telling that default judgment to LITERALLY TAKE SEVERAL SEATS while you: File those sexy appeal papers 📝 Strut into court with receipts ready 💅 Watch your money flow back like the tea it was meant to be 🫖 Don't let the system play you like a $X kazoo The letter turns financial nightmares into"
TikTok Link @clevercapitalfreedom 2025-03-01T14:01Z 498.2K followers, 62.5K engagements

"DM XXX for credit help if you have a collection with any of these companies up here. Portfolio Recovery associates Midland credit management lvnv funding Jefferson Capital I need you to listen carefully to what I'm going to say because these actions can reset the statute of limitations on the debt"
TikTok Link @clevercapitalfreedom 2024-06-20T14:49Z 497.8K followers, 38.1K engagements

"How to beat portfolio recovery associates"
TikTok Link @clevercapitalfreedom 2024-09-13T13:41Z 498K followers, 66.2K engagements

"How to hack into your student loan servicer #creditrepair"
TikTok Link @clevercapitalfreedom 2025-08-11T21:44Z 498.2K followers, 256.4K engagements

"here are some essential documents to request from the debt collector if they need to validate the debt. when dealing with that collectors like Portfolio Recovery Associates in Midland credit management it's crucial to ensure that that is valid and that the collector has the right to collect on it. if you need help with your credit let me know"
TikTok Link @clevercapitalfreedom 2024-08-29T18:40Z 498.2K followers, 34.9K engagements

"It is understandable that you're concerned about the student loan services. The current situation with these services has caused a great deal of stress for many borrowers. Addressing these issues promptly is crucial to help people with their financial stability. Hopefully the appropriate actions will be taken to rectify the problems and prevent similar situations in the future"
TikTok Link @clevercapitalfreedom 2025-06-30T18:56Z 497.8K followers, 1M engagements

"How to remove hard inquiries #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
TikTok Link @clevercapitalfreedom 2023-03-24T17:35Z 497.4K followers, 44.1K engagements

"Steps how to remove late payments from your credit report using the CFPB #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
TikTok Link @clevercapitalfreedom 2022-11-09T19:10Z 497.7K followers, 107.7K engagements

"The single sentence that forces the debt collectors to prove they actually have legal right to collect from you #creditrepair"
TikTok Link @clevercapitalfreedom 2025-10-04T12:46Z 498K followers, 14.3K engagements

"If they cannot provide the master promissory note as well as the chain of custody they can no longer report it on your credit report and they have to remove it"
TikTok Link @clevercapitalfreedom 2025-07-07T21:08Z 498.1K followers, 910.6K engagements

"TransUnion is making headlines again for agreeing to pay $XX million class action settlement settlement claims about flawed dispute investigations and automatic credit inquiry reporting. it marks a major victory highlighting TransUnion shortfall in following fcra rules during disputes"
TikTok Link @clevercapitalfreedom 2025-06-09T21:06Z 497.6K followers, 12.2K engagements

"This is exactly why the Consumer Financial Protection Bureau has sued Experian and Equifax for sham investigations #creditrepair"
TikTok Link @clevercapitalfreedom 2025-10-03T17:23Z 497.8K followers, 2433 engagements

"How to dispute a collection with a debt collector #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist"
TikTok Link @clevercapitalfreedom 2023-08-24T18:00Z 498K followers, 58.3K engagements

"Unsecured credit card for bad credit #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
TikTok Link @clevercapitalfreedom 2023-06-16T20:30Z 498K followers, 71K engagements

"This card is amazing. Checkout cred.ai #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
TikTok Link @clevercapitalfreedom 2023-05-30T22:35Z 498.2K followers, 24.7K engagements

"One of the best and easiest ways to dispute negative items off of your credit report using AI #creditrepair #cleverkit"
TikTok Link @clevercapitalfreedom 2025-10-14T14:55Z 498.2K followers, 1404 engagements

"Use this letter to dispute anything on your credit report"
TikTok Link @clevercapitalfreedom 2023-10-15T13:10Z 498.2K followers, 45.8K engagements

"Three things to delete collections from your credit report with all three credit bureaus #creditrepair"
TikTok Link @clevercapitalfreedom 2025-09-22T17:55Z 497.9K followers, 22.5K engagements

"Don't ever pay a collection. If you have collections from Portfolio Recovery associates Midland credit Jefferson capital lvnv funding. You need to do this ASAP #creditrepair #creditrestoration #finance #creditcard #credittips"
TikTok Link @clevercapitalfreedom 2024-06-11T15:23Z 498K followers, 241.9K engagements

"Do this ASAP to delete collections #creditrepair"
TikTok Link @clevercapitalfreedom 2025-01-24T13:27Z 498.2K followers, 946.3K engagements

"TransUnion suffers data breach impacting over XXX million people #creditrepair #cleverkit #creditscore"
TikTok Link @clevercapitalfreedom 2025-08-29T00:24Z 498.1K followers, 37.2K engagements

"Clever Kit Ai Custom letters #creditrepair #cleverkit"
TikTok Link @clevercapitalfreedom 2025-10-09T14:41Z 498.2K followers, 1284 engagements

"Dispute a collection or charge off #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
TikTok Link @clevercapitalfreedom 2022-10-04T12:43Z 497.8K followers, 465K engagements

"The tool the credit bureaus don't want you to know about #creditrepair #cleverkit"
TikTok Link @clevercapitalfreedom 2025-10-08T20:12Z 498.2K followers, 4128 engagements

"How this tool is changing credit repair forever #creditrepair #cleverkit Clever Kit Ai"
TikTok Link @clevercapitalfreedom 2025-10-11T18:08Z 498.2K followers, 38.1K engagements

"Everyone has been asking me to provide an advantage to remove student loans off of the credit reports. Now is the perfect time as Advantage is undergoing a class action lawsuit with inaccurate building as well as false reporting"
TikTok Link @clevercapitalfreedom 2025-07-09T17:11Z 498.2K followers, 106.5K engagements

"What exactly is a ucc-1 filing and how does it work Does it hurt your credit score #creditrepair"
TikTok Link @clevercapitalfreedom 2024-12-27T21:30Z 497.9K followers, 32K engagements

"this works with Portfolio Recovery associates Midland credit management lvnv funding Jefferson Capital and many other credit collection agencies in the United States"
TikTok Link @clevercapitalfreedom 2024-12-12T17:25Z 497.4K followers, 21.7K engagements

"How to remove a charge off from American Express #creditrepair"
TikTok Link @clevercapitalfreedom 2025-10-12T13:44Z 498.2K followers, 2232 engagements

"Portfolio Recovery Associates Midland credit management lvnv funding. Motion to compel arbitration motion to dismiss"
TikTok Link @clevercapitalfreedom 2025-06-01T23:03Z 498.2K followers, 46.2K engagements

"if you have late payments from GM financial exit your finance Ally Financial use this method to delete them off of your credit report #creditrepair"
TikTok Link @clevercapitalfreedom 2024-09-19T15:41Z 498.1K followers, 17.2K engagements

"Get to work #creditrepair #debt"
TikTok Link @clevercapitalfreedom 2023-07-25T16:01Z 498K followers, 1.4M engagements

"Here is the dispute letter to use Your Name Your Address City State ZIP Code Date Experian Information Solutions Inc. Dispute Department Address City State ZIP Code RE: Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act (FCRA) XX U.S.C. 1681i which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau (CFPB) have"
TikTok Link @clevercapitalfreedom 2025-01-23T14:07Z 498.2K followers, 2.2M engagements

"Submit a written request for documentation to remove student loans"
TikTok Link @clevercapitalfreedom 2025-05-08T12:00Z 498K followers, 404.3K engagements

"TransUnion is not taking any chances with the cfpb claim against Experian #creditrepair"
TikTok Link @clevercapitalfreedom 2025-02-25T14:02Z 497.8K followers, 75.5K engagements

"How to respond to a debt lawsuit when you get served"
TikTok Link @clevercapitalfreedom 2025-10-03T22:57Z 498.2K followers, 376K engagements

"For more info on fixing your credit check link in my bio 🔗 Here is the dispute letter Your Full Name Your Address City State ZIP Code Date Portfolio Recovery Associates LLC Their Address City State ZIP Code Re: Account Number if known; Formal Request for Debt Validation To the appropriate representative: I am writing to formally contest the validity of the alleged debt that your organization Portfolio Recovery Associates LLC claims I owe. In accordance with my rights under the Fair Debt Collection Practices Act (FDCPA) XX U.S.C. 1692g I hereby request comprehensive validation of this"
TikTok Link @clevercapitalfreedom 2024-07-06T14:54Z 498K followers, 65.4K engagements

"Send experian a request to show the Method of Validation they used. They are being sued for conducting sham investigations. The cfpb is on it but you need to do your part. #creditrepair"
TikTok Link @clevercapitalfreedom 2025-01-24T18:27Z 497.5K followers, 236.9K engagements

"Responding to a debt lawsuit #creditrepair"
TikTok Link @clevercapitalfreedom 2025-10-12T23:44Z 498.2K followers, 4433 engagements

"Watch out for these debt collectors #creditrepair #cleverkit"
TikTok Link @clevercapitalfreedom 2025-10-07T12:28Z 498.1K followers, 9949 engagements

Topic Creators

https://lunarcrush.com/api4/public/topic/:topic/creators/v1

Get the top creators for a social topic

input parameters:

Example request:

curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/topic/bitcoin/creators/v1

Example response:

{
  "data": [
    {
      "creator_id": "tiktok::7509870025967207447",
      "creator_name": "yeti.solana",
      "creator_avatar": "https://p16-sign-va.tiktokcdn.com/tos-maliva-avt-0068/93e1598920b075388436ef3aa00fb2b9~tplv-tiktokx-cropcenter:100:100.webp?dr=14579&refresh_token=7404bb29&x-expires=1760720400&x-signature=zGB30r6Ns86%2FC7fxbCIOGusQlnA%3D&t=4d5b0474&ps=13740610&shp=d05b14bd&shcp=34ff8df6&idc=sg1",
      "creator_followers": 353382,
      "creator_rank": 1,
      "interactions_24h": 3074146
    }
  ]
}

Schema:

Creator

https://lunarcrush.com/api4/public/creator/:network/:id/v1

Get detail information on a specific creator

input parameters:

Example request:

curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creator/twitter/elonmusk/v1

Example response:

{
  "data": {
    "creator_id": "twitter::44196397",
    "creator_name": "elonmusk",
    "creator_display_name": "Elon Musk",
    "creator_avatar": "https://pbs.twimg.com/profile_images/1936002956333080576/kqqe2iWO_200x200.jpg",
    "creator_followers": 227854844,
    "creator_rank": 4,
    "interactions_24h": 120031096,
    "topic_influence": [
      {
        "topic": "elon musk",
        "count": 189,
        "percent": 1.71,
        "rank": X
      }
    ],
    "top_community": [
      {
        "creator_name": "grok",
        "creator_display_name": "Grok",
        "creator_avatar": "https://pbs.twimg.com/profile_images/1893219113717342208/Vgg2hEPa_200x200.jpg",
        "count": XXX
      }
    ]
  }
}

Schema:

Creator Posts

https://lunarcrush.com/api4/public/creator/:network/:id/posts/v1

Get the top posts for a specific creator. If start time is provided the result will be the top posts by interactions for the time range. If start is not provided it will be the most recent top posts by interactions from the last XX hours.

input parameters:

Example request:

curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creator/twitter/elonmusk/posts/v1

Example response:

{
  "data": [
    {
      "id": "1953886838445552084",
      "post_type": "tweet",
      "post_title": "Good idea. \n\nAlso, we will be putting the most liked images on 𝕏 in the Grok Imagine default feed.",
      "post_created": 1754677898,
      "post_sentiment": 3.48,
      "post_link": "https://x.com/elonmusk/status/1953886838445552084",
      "post_image": null,
      "creator_id": "twitter::44196397",
      "creator_name": "elonmusk",
      "creator_display_name": "Elon Musk",
      "creator_followers": 227846462,
      "creator_avatar": "https://pbs.twimg.com/profile_images/1936002956333080576/kqqe2iWO_200x200.jpg",
      "interactions_24h": 0,
      "interactions_total": 18444057
    }
  ]
}

Schema:

Category Creators

https://lunarcrush.com/api4/public/category/:category/creators/v1

Get the top creators for a social category

input parameters:

Example request:

curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/category/musicians/creators/v1

Example response:

{
  "data": [
    {
      "creator_id": "twitter::79293791",
      "creator_name": "rihanna",
      "creator_avatar": "https://pbs.twimg.com/profile_images/1960786225423659008/GhLekHuP_200x200.jpg",
      "creator_followers": 106933122,
      "creator_rank": 1,
      "interactions_24h": 21430912
    }
  ]
}

Schema: