@passivelyjazzed Avatar @passivelyjazzed Jasmine | Credit & Money

Jasmine | Credit & Money posts on TikTok about debt, how to, collection, if you the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

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Social Influence

Social category influence finance 100% stocks 12.17% ncaa football 7.83% social networks 2.61% technology brands 2.61%

Social topic influence debt #700, how to 39.13%, collection 26.96%, if you 20%, credit cards #775, loan #79, collect #529, card #1773, this is 4.35%, money 4.35%

Top accounts mentioned or mentioned by @mimi @james @lacee @cocoknows02 @mayra @coppericarus @bucklover2 @klarissa @kgy411 @hinton @michelle @lexie @shonda @stormnotdaniels23 @brett @chenny @natalie @candidiva @official @christian

Top assets mentioned Klarna Group plc (KLAR) Mastercard, Inc. (MA) Flex Ltd. Ordinary Shares (FLEX)

Top Social Posts

Top posts by engagements in the last [--] hours

"Replying to @Mimi CFPB Complaint process break down to understand how your dispute is handled on the CFPB website #cfpb #creditrepair #credit #creditrepairtips #consumerlaw So You Can Stop Complaing What You Must Know About CFPB Complaints CFPB Consumer Financial Protection Bureau dispute letter [--] USc [----] Consumer law credit repair How to increase your credit score quickly How to improve your credit score quickly So You Can Stop Complaing What You Must Know About CFPB Complaints CFPB Consumer Financial Protection Bureau dispute letter [--] USc [----] Consumer law credit repair How to increase"
TikTok Link 2025-01-21T19:06Z 18.3K followers, 22.6K engagements

"Replying to @James Sued by a Debt Collector who got a Default Judgment against you Im not a lawyer and this is not legal advice #debtcollector #debtcollectorlawsuit #debtcollections #defaultjudgment #creditrepair Motion to vacate judgment Motion to dismiss judgment Motion to set aside judgment What to do if they never served you Debt Collector Got You With A Default Judgement Default judgement Debt collectors Debt collection Sued by debt collector Debt collector lawsuit Motion to vacate judgment Motion to dismiss judgment Motion to set aside judgment What to do if they never served you Debt"
TikTok Link 2025-06-15T18:49Z 18.3K followers, 63.5K engagements

"You sent a Debt Validation letter and the debt collector sent back statements 🤦♀ FDCPA laws require debt collectors show real proof the debt is VALID. Not that you had a Capital One Quick Silver (I mean.hasn't everyone had that card at one point.) Credit Card Statements don't show that 🚫 The debt collector owns the debt 🚫 The debt collector can collect the debt 🚫 You owe the debt collector money 🚫 The balance they say you owe is correct They bury you in papers to frustrate you enough to want to stop asking or start negotiating. Real debt validation looks like ✅ Chain of ownership from"
TikTok Link 2025-12-08T13:03Z 18.3K followers, 34.3K engagements

"Im proof DIY Credit repair is possible #creditrepair #creditcard #debt #debtfreejourney fair credit reporting act [--] usc [----] #personalfinance #studentloans #latepayments credit card debt student loan debt student loan relief"
TikTok Link 2024-06-24T19:21Z 18.3K followers, 180.9K engagements

"Default Judgement Debt weighing you down [--] Things you REALLY need to know #debt #defaultjudgement #debtcollector #debtfree #creatorsearchinsights [--] Questions I Get On Calls default judgement debt collector motion to set aside due to improper service on a debt received default judgement on debt what is a default judgement for a debt what to do after default judgement debt Debt Collector Won Default Judgement [--] Questions I Get On Calls default judgement debt collector motion to set aside due to improper service on a debt received default judgement on debt what is a default judgement for a debt"
TikTok Link 2025-08-05T20:02Z 18.3K followers, 47.6K engagements

"Replying to @Lacee Reed Remove late payments (even when they are accurate) by challenging the accuracy you cant seeaka the compliance the creditor has to follow to even mark you late in the first place. [--] Methods I use to remove late payments: 💙 Factual Disputing 💚 Metro [--] Complance ❤ FCRA (Consumer) Laws ✨Check out the DIY Letter Pack that includes over [--] compliance based dispute letters Use Promo Code 🧑💻 💕LETTERS💕 to get 15% off #l#latepaymentc#creditrepairc#creditscored#debtpersonalfinance late payments remove late payments from credit missed payments on credit remove missed"
TikTok Link 2025-11-06T00:03Z 18.3K followers, [----] engagements

"How to remove a Charge Off from Experian using consumer laws like a pro I call this my Dispute Reason FCRA Sandwich 🥪 💬 comment LETTERS to use the same dispute letters I send to the credit bureaus for my clients #creditrepair #creditrepairtips #credit #creditrepairservices #creditrepairspecialist Reporting a balance after a 1099-C was issued Experian DOES NOT want you to know Charge off reported after the account was closed ⚖ [--] USC 1681e(b) + [--] USC 1681i(a)(1)(A) If you have a Charge Off on your credit report you can use these consumer laws to get them removed in [----]. ⚖ [--] USC"
TikTok Link 2026-01-08T00:52Z 18.3K followers, [---] engagements

"Replying to @CoCoknows02 Experian keeps verifying your disputes because you keep skipping the prep work Clean up the personal information credit reporting agencies use to help verify the accounts in your dispute. Just getting started 👇 Check out the Jumpstart Checklist under my profile that gives you the steps to start off right with your own credit repair. #creditrepair #creditrepairtips #credit #creditrepairservices #creditrepairspecialist Experian keeps verifying your disputes because of this dispute keeps coming back verified is experian accurate fix my credit score experian dispute late"
TikTok Link 2026-01-30T17:00Z 18.3K followers, [---] engagements

"Debt Validation letters dont work when your choosing a random template that the debt collectors have seen and dont even call them out 🙄 $800 Klarna Collection my client didnt pay and isnt going to have to pay thanks to using the debt validation letters inside the DIY Letter pack (the same dispute letters I use to fix credit for my done-for-you clients) 🛑 STOP wasting time trying to figure out what to say and just add in the information needed to put your dispute out there to remove the collection from your credit now [----] is a new year so time for a new version of you that gets their credit"
TikTok Link 2026-01-02T19:47Z 18.3K followers, [----] engagements

"The Difference between visa and mastercard. Both are credit card networks that come with their own known for benefits for both you and the bank #creditcard #visa #mastercard #creditcardrewards #financetiktok #creditrepairservices #creatorsearchinsights Mastercard VS VISA Mastercard VS VISA"
TikTok Link 2024-09-10T17:08Z 18.3K followers, 10.6K engagements

"Dispute came back Verified Let this be your Round [--] to show the credit bureau you are nothing to play with #creditrepair #creditrepairtips #creditrepairservices #credit #creditbureau #personalfinance #creatorsearchinsights 💥 Push Back With This 💥 If Experian Says Your Dispute Is Verified how to improve your credit score quickly Credit Reapir credit repair consumer law cfpb fcra [--] usc [----] 💥 Push Back With This 💥 If Experian Says Your Dispute Is Verified how to improve your credit score quickly Credit Reapir credit repair consumer law cfpb fcra [--] usc 1681"
TikTok Link 2025-06-27T21:23Z 18.3K followers, [----] engagements

"Struggling to fix your credit But you dont want to pay anyone to do it for you I got you Before I fixed my credit I thought credit repair companies were a scam. and I wasnt going to use one. After I learned to fix my credit myself not only was I wrong about credit repair companies I found myself wrong about credit repair in general. It really worked Where most people struggle and get stuck Getting Started 🏁 Thats why I created the ✅ Jumpstart Checklist ✅ A free step-by-step guide to get you started on your own journey to a better score low interest rates and easy approvals. Drop Jumpstart in"
TikTok Link 2026-02-11T22:00Z 18.3K followers, [---] engagements

"Check your Credit Score for Free by using the Experian App (which also has a free version for you to see both your FICO credit score $ Experian Credit Report) 💛 ✅ Monitor both your credit score and your credit report ✅ Get alerts when your credit score goes up or down ✅ Very EASY to use App right on your phone ✨And you might as well snag the Free Jumpstart Checklist ➡ Download at the link under my bio #Experian #Creditscore #FICO #credit #PersonalFinance Experian App Experian credit score Check credit score for free Check FICO credit score FICO credit score Free credit score Experian credit"
TikTok Link 2025-10-01T13:01Z 18.3K followers, 11.6K engagements

"Late Payments on a credit report you cant read Typical Most people dont have a late payment problem. They have a reading problem. 🗓 That late payment grid on your credit report is actively telling lenders how irresponsible you look. And when you dont know how to read it you dont know what to fight what to ignore or whats quietly tanking approvals. If youve ever said 🗣 I dont know how to read late payments on my credit report that confusion is costing you more than interest. Comment LATES if you want to stop guessing and start understanding. #latepayments #debt #creditscoretips"
TikTok Link 2026-02-08T22:00Z 18.3K followers, [---] engagements

"Remove Collections from your credit by leveraging the FDCPA and the FCRA. Two Consumer Laws that let you challenge both the Debt Collector and the Credit Bureaus reporting the collection. 💬 drop HOW in the comments if you want to know more I post daily credit repair tips and credit building hacks 🫂 FOLLOW so you never miss out #debtcollector #debtcollection #debt #debtfree #creatorsearchinsights Drop HOW in the comments to know more 443💸 Collection Deleted [--] Klarna Collections Deleted Remember 📌 When you get a random Experian Notification and you see a collection just hit and your credit"
TikTok Link 2026-02-13T00:29Z 18.3K followers, [---] engagements

"Replying to @Mayra Bonilla-Gonzalez Break down of what a 1099-C is when a credit card or debt is charged off #greenscreen #financialliteracy #creatorsearchinsights #financialliteracy101 #financetiktok #creditrepair"
TikTok Link 2024-09-02T17:31Z 18.2K followers, [----] engagements

"Replying to @Coppericarus Capital One Direct Deposit Issue #directdeposit #capitalone #capitalonebank #checkingaccount #breakingnews Capital One Dont Have Your Direct Deposit BREAKING NEWS Capital one Capital one direct deposit Capital one technical issues Citi bank direct deposit Capital One Dont Have Your Direct Deposit BREAKING NEWS Capital one Capital one direct deposit Capital one technical issues Citi bank direct deposit"
TikTok Link 2025-01-16T15:53Z 18.2K followers, 264.8K engagements

"Replying to @Bucklover2 Late Payment Dispute Verified Under The Law Do this #latepayment #credit #debt #creditrepairtips #creditrepair ✨STRATEGY✨ Creditor: We LEGALLY Cannot Remove The Late Payment We Reported Need a little more help Comment dispute late payments remove late payments dispute missed payment remove missed payment late payment dispute letter late payment dispute template how to reverse a late payment how to remove a late payment on credit goodwill letter goodwill adjustment letter Lets Fix These [--] Mistakes Youre Making Disputing Late Payments ✨STRATEGY✨ Creditor: We LEGALLY"
TikTok Link 2025-08-08T12:55Z 18.2K followers, [----] engagements

"Debt Validation Notice sent from a Debt Collector isnt to prove the debt is valid. It is to get you to recognize the debt 🛑 full STOP 🛑 YOU have to request proof by sending the Debt Collector a Debt Validation Letter requesting that they send you proof that 💥 They can collect the debt through ownership or authorization 💥 You legally owe this debt 💥 The balance is accurate 💥 The debt is still legally collectable 💥 And the chain of custody if this debt has been sold more than once Most Debt Collectors lack what they need to show you any of this. NEVER EVER Pay a Debt Collector until you"
TikTok Link 2025-11-15T20:22Z 18.3K followers, [----] engagements

"Lawyer sent a letter demanding collection of a Debt 📌 Save this post so you can reference the [--] steps you should be taking right now Ready to fix your credit and get Debt Collectors off your back Use promo code ✨LETTERS✨ to get 15% off the DIY Letter pack link is on my profile #debtcollector #debtcollection #debt #debtfree #creatorsearchinsights debt collection lawsuit sued for debt sued by debt collector debt collector ****debt collection debt validation debt collector sent credit card statements debt collector sent statements debt collector debt validation debt verification fdcpa laws how"
TikTok Link 2025-11-27T19:16Z 18.3K followers, [----] engagements

"Replying to @Klarissa De Los Sant Tradelines to build Credit and increase your Credit Score [--] Secured Credit Cards You will need to secure the balance yourself but there are a few cards with a lower deposit requirement than others. [--] Self/Rent Reporting Experian Boost offers a free option. Most services to report to TransUnion or Equifax do come at a cost [--] Credit Builder Installment Loans Check out services like Meet Ava that allow you to make monthly deposits into an account that functions like a CD and once the terms are met you can withdraw the balance. Typically a small fee required. 4"
TikTok Link 2026-01-19T19:03Z 18.3K followers, 24K engagements

"How to get a [---] credit score You have two options to start with: Credit Repair or Credit Building. Just dont confuse the two Credit Repair is going to look like Sending disputes to the creditors on your credit report or the credit reporting company Choosing to delete have updated to positive or leave them be when it comes to negative accounts impacting your credit score Credit Building is going to look like Taking actions like paying down credit cards to boost your score Adding new tradelines to help with credit mix or payment history Self reporting bills you already pay like utilities and"
TikTok Link 2026-02-01T13:16Z 18.2K followers, [---] engagements

"Dont let late payments fool you into not seeing the account was charged off by the original creditor. Charge Off is a payment status youre placed in once the creditor thinks you are never paying them back after too many missed payments. And disputing the late payments instead of removing the entire account can leave you running in circles when the disputes come back verified. Or worst you get a few deletions and your credit score never moves. 😬 Dont wait the [--] years for negative accounts on your credit to fall off. Get started now And if you need guidance check out the free Jumpstart"
TikTok Link 2026-02-01T18:42Z 18.2K followers, [---] engagements

"Replying to @KGY411 📞 Got a voicemail from a debt collector Dont ignore itbut dont panic either. A lot of people dont realize this but debt collector voicemails are one of the easiest places for FDCPA violations to happen. Why Because collectors are walking a very thin line when they leave a message. Theyre required to: - Avoid revealing a debt to third parties - Avoid misleading language - Avoid pressure threats or false urgency - Follow strict disclosure rules (without oversharing) And most of them mess this up. The problem is most consumers either: - Delete the voicemail - Call back"
TikTok Link 2026-02-02T13:00Z 18.2K followers, [---] engagements

"Late payment dispute letters fail for ONE reason 👀 Youre being told to do these two things help the Credit Bureaus verify as accurate ❌ Argue the late payment ❌ Include every FCRA law What you should be doing: Challenging the verification process itself 💪 Late Payment dispute letters that force an actual investigation make it hard for credit bureaus to auto-verify through e-OSCAR Dispute Reasons are the REASON youre disputing. FCRA laws are the rules Experian Equifax and TransUnion are made to follow. I went from a [---] credit score [--] late payments on a Car Loan to [---]. ✨ Perfect Payment"
TikTok Link 2026-02-02T22:30Z 18.2K followers, [---] engagements

"Late Payment dispute letter came back verified and this is the 11th time 🫵👇 (let me put you up on game) Credit Bureaus sometimes verify disputes that received a response. (but noticed I didnt say verified) Credit repair fails 99% of the time because you dont know what to do next not because you dont know what to do. 👀 and if this struggle sounds like you Comment STRATEGY and I will tell you how we can connect. #disputeletter #creditrepairtips #fixyourcredit #credithelp #crediteducation dispute keeps coming back verified is experian accurate fix my credit score experian dispute late payment"
TikTok Link 2026-02-03T17:24Z 18.2K followers, [---] engagements

"How to dispute credit with the credit bureaus like this 👇 ✅ Send a dispute letter via USPS or online platform ✅ Include Phot Id copy of SSN card proof of address. Thats it I have a whole step by step free to download from link on my bio My demo. #creditrepair #creditrepairtips #disputeletter #credit #debt do dispute letters work dispute collection letter credit dispute letter dispute letter to credit bureau credit dispute letter template dispute letter for charge off writing dispute letter to credit bureau sending dispute letter credit bureaus best dispute letter to credit bureaus dispute"
TikTok Link 2026-02-05T13:00Z 18.3K followers, [---] engagements

"tradelines to build credit is rent reporting a good idea credit tradelines explained authorized user tradelines credit builder loan secured credit card rebuild credit credit rebuilding strategies how to fix credit credit education How much 💲💲💲 to build credit tradelines to build credit is rent reporting a good idea credit tradelines explained authorized user tradelines credit builder loan secured credit card rebuild credit credit rebuilding strategies how to fix credit credit education How much 💲💲💲 to build credit tradelines to build credit is rent reporting a good idea credit"
TikTok Link 2026-02-06T13:00Z 18.3K followers, [---] engagements

"Student Loan Wage Garnishment begins Jan. 7th [----] and if you think disputing student loans off your credit having no wages to garnish will save youremember tax season is about to be here. And they can take your taxes. If you are waiting until the new year to be on your zoom you wasting time Get in front of this now while you have the chance. #studentloans #studentloandebt #debtfree #debt #debtpayoff Trump Administration spinning the block on Student Loan Borrowers in Default in [----] student loan wage garnishment student loan default defaulted student loans department of education dept of ed"
TikTok Link 2025-12-29T14:06Z 18.3K followers, [----] engagements

"Replying to @🧚🏼♀ How I remove late payments that are actuall late #creditrepair #credit #creditscore #latepayments #debt #baddebt Remove late payments from credit How to remove late payments Dispute letter Credit Repair credit repair How I Remove Late Payments Even When Youre Late Remove late payments from credit How to remove late payments Dispute letter Credit Repair credit repair How I Remove Late Payments Even When Youre Late"
TikTok Link 2025-06-19T11:38Z 18.3K followers, 10.5K engagements

"How to get a copy of your credit report for free Use these [--] sites Annual Credit Report Innovis Experian Equifax Transunion 🛜 ALL DOT COMS 🫶 📧 check out the 🔗 in my bio to have every step covered in this post sent to your email ⛄ If you have: 🫣 Collections 💳 Charge Offs Late Payments 🏦 Bankruptcy 🎓 Student Loans 🚗 Repossessions 🏠 Rental Debt (Evictions/Broken Lease) You can fix your credit by disputing these items and it all starts with getting your real credit report 🗂 Direct from credit bureau 🗂 AnnualCreditReport (dot-com website) 🗂 MyScoreIQ (+ all [--] FICO Credit Scores) - get"
TikTok Link 2025-12-17T13:31Z 18.3K followers, [----] engagements

"Love is cute. A repo is notdont do it girl 👀 Save this before you sign anything 💋 #credittok #financialtok #crediteducation #creditrepair #cosigner co signing a car cosigning a car loan should I cosign a car cosigner responsibility car repo credit impact repossession on credit what happens if a car is repossessed cosigner credit damage financial mistakes in relationships credit advice for women I dont know who needs to hear this butI dont care what that man does for you tomorrow DO NOT co-sign that car for him 💋 co signing a car cosigning a car loan should I cosign a car cosigner"
TikTok Link 2026-02-13T13:25Z 18.3K followers, [---] engagements

"MOHELA lied to you about the [--] day late reported to your credit 🤥 and you believed it 🤦♀ And heres why 👇🏾 Internal Policy While this isnt a lie internal policy doesnt override Federal Law. Under the FCRA data furnishers are required to report accurate information. Full Stop 🛑 Their free to have their own internal SOPs but that cannot be in conflict with the laws protecting consumers from having inaccurate information reported about them. I created [--] dispute letters to push back against both the Credit Bureau and the Student Loan Servicer. Start with the first Round letter and use the"
TikTok Link 2026-02-06T17:00Z 18.3K followers, [---] engagements

"Think twice but dont think longBook NOW Because all of this 👇🏾 ✅ [--] minute [--] on [--] credit repair education ✅ Personalized strategy to dispute with the Credit Bureaus Creditors and Debt Collectors ✅ Action plan dropped in your inbox ✅ Free resources and Exclusive Discounts .first come first served. And the calendar for the rest of the year is going to be limited 😬 Need help with fixing your credit Click the link 🔗 in my bio to book your time today #creditrepair #creditrepairtips #credit #creditrepairservices #creditrepairspecialist POV: you waiting too long to book a Strategy Call for help"
TikTok Link 2026-02-07T21:39Z 18.3K followers, [---] engagements

"Goodwill letters to remove late payments Or Dispute This really comes down to one thing: What do you want to do ➡ OPEN Account and in Good Standing a goodwill letter can work because youre asking for mercy not accuracy. ➡ Faster results or the late payment is hurting approvals right now a dispute letter is about accuracy and reporting rules not feelings. Heres the real difference most people miss 👇 Goodwill = optional for the creditor Disputes = required investigation by law So the question isnt which one is better. Its whether youre willing to wait and hope or force a review of how that"
TikTok Link 2026-02-08T02:00Z 18.3K followers, [---] engagements

"Replying to @Hinton Hinton Disputing personal information on your credit report over the phone The Credit Bureau will still need to identify you first 📌 Save this post for when you need to use this tip ➕ Follow so you never miss out when I post the next one #creditrepair #creditrepairtips #credit #creditrepairservices #creditrepairspecialist Disputing Personal Information over the Phone with the Credit Bureaus This is what youll need to verify your identity: dispute personal information on credit report dispute personal information on credit report online dispute credit report for free"
TikTok Link 2026-02-08T17:10Z 18.3K followers, [---] engagements

"Late Payment on your credit Dont get lazy if you want to finally get it deleted #latepayments #debt #creditscoretips #creditrepairtips #creditcards dispute letter for late payments late payment dispute letter goodwill letter for late payments removing late payments from your credit how to remove late payment from credit remove late payments credit report late payments removed from credit missed payments on credit late payment removed cfpb late payment removal [----] cfpb late payment removal remove late payments credit report removing late payments from your credit dispute letter for late"
TikTok Link 2026-02-10T17:00Z 18.3K followers, [---] engagements

"Replying to @Michelle R Discover is still taking it to trial when it comes to defaulting on debt. If you have a Charged Off Discover Credit card [--] things you need to be aware of even after the Discover Capital One Merger [--] Discover are known for sending a Lawyer (not a debt collector) to come and collectbut their method of collection is not always the Lawyer sending a summons. BIG difference between being served a Summons (lawsuit) and getting one of these: - Demand letters - Settlement outreach - Phone contact attempts - Pre-legal warnings [--] If you have been served a summons or they are"
TikTok Link 2026-02-09T21:18Z 18.3K followers, [---] engagements

"Secret to deleting Collections: sending debt validation to the debt collector 💥 Debt Buyers do not want you to know: ❌ They cannot legally prove they own your debt ❌ You have the right to request debt validation ❌ Once they buy your debt they are not working with the Creditor anymore Stop falling for debt collector tactics and dispute those collections as soon as you see them on your credit. 💬 comment COLLECTIONS if you are ready to delete a collection from your credit and your life. Ill send you info on how to use the same letters that removed [--] Klarna Collections for a client"
TikTok Link 2026-02-10T15:17Z 18.3K followers, [---] engagements

"When you need to pump out content on beating debt collectorsbut you also need to watch the Benito Bowl one more time. Whatever will I do 🤔😉🎵 #bts #creditrepairspecialist #creditrepaircompany #debtcollector #debtcollection credit repair specialist credit repair company debt collection remove collection from credit cfpb collection collection dispute letter never pay collections charge off vs collection collection vs charge off pay to delete collection should you collections do you have to pay collections cfpb collection removal [----] credit repair specialist credit repair company debt"
TikTok Link 2026-02-10T22:00Z 18.3K followers, [---] engagements

"What do you say when a Debt Collector calls 🗣 NOT TODAY Use this script below (so they hear you loud and clear) Debt Collectors love to play the telephone game because they know you are not expecting their call. So they get to 😳 Catch you off guard 😵💫 Confuse you with word games 🙂 Get you to submit easier So when they do call say this: 🗣 I will not be providing any information over the phone any communication will need to be made in writing to the address you have already on file. Under the FDCPA a Debt Collector cannot continue to contact you using a mode of communication you have"
TikTok Link 2026-02-11T02:00Z 18.3K followers, [---] engagements

"Not all debt collectors can actually collect 👀 If a debt collector is hitting you up about something from [----] pause. That debt might be past the statute of limitations which means they legally can't sue you for it. But here's the catch ➡ if you acknowledge it or make a payment you could accidentally restart the clock on that "zombie debt" 🧟♀ Know your rights before you respond Check your state's statute of limitations by looking up the type of debt and your state and don't let them pressure you into reviving old debt. You have more power than they want you to know 💪 🦋 Follow"
TikTok Link 2026-02-11T13:03Z 18.3K followers, [---] engagements

"Experian verifies something you KNOW is wrong that's not where you stop. That's when you hit them with the "description of procedure" request. Make them explain HOW they verified it because sometimes. they didn't do their job properly 👀 This is how you keep the pressure on and protect your rights under the FCRA. Don't let them think you're gonna just accept whatever they say and move on. You have options Use them 💪 Want the full step-by-step breakdown on how to fix your credit Grab my free Jumpstart Checklist (link in bio) and learn exactly how to dispute like a pro ✨ #experianverified"
TikTok Link 2026-02-11T18:24Z 18.3K followers, [---] engagements

"Collection on your credit and a Collection Debt is not the same. You need to know this Disputing a debt with the credit reporting agency like Experian is so the collection is removed from your credit. Disputing a debt with a debt collector like Jefferson Capital is so you dont have to pay the debt if the debt collector fails to validate that it is real. Most people make the mistake in thinking disputing a collection on your credit also deletes the debt with the debt collector 🤦♀ ✨Ready to get real credit repair advice Hit the follow button 🦋 #debtcollector #debtcollection #debt #debtfree"
TikTok Link 2026-02-12T13:00Z 18.3K followers, [---] engagements

"Some debt collectors ARE lawyers 👨⚖ but here's what you need to know: Even attorney debt collectors must follow the FDCPA (Fair Debt Collection Practices Act) when collecting debts. No exceptions. ⚠ The difference Lawyers can also SUE you. So ignoring a lawyer debt collector carries higher risk than ignoring a regular collection agency. Know who you're dealing with so you can make informed decisions about your next move. #DebtCollector #FDCPA #ConsumerRights #DebtHelp #FinancialEducation Portfolio Recovery Associates Jefferson Capital Midland Credit Management Getting calls about a"
TikTok Link 2026-02-12T17:00Z 18.3K followers, [---] engagements

"CFPB dispute on Round [--] with Experian Equifax or TransUnion Think again If you havent heard the news 📰 The Credit Reporting Agencies will no longer investigate your disputes sent to them via the CFPB if you didnt send a reinvestigation dispute letter first by mail. Knowing how to dispute the right way is key to fixing your credit. If you dont want to walk around in [----] with bad credit ➡ hit the follow button #cfpb #creditbureau #creditrepair #creditrepairtips #credit CFPB dispute letter CFPB dispute CFPB complaint portal credit repair CFPB dispute letter CFPB dispute CFPB complaint portal"
TikTok Link 2026-02-13T18:31Z 18.3K followers, [---] engagements

"Need to send debt validation to a debt collection agency 📌 Save this for when you need it Send by mail 📮 Use certified letter to make sure it gets there Send online 👩🏾💻 This is free via the CFPB complaint portal (you will need to create a free account #debtcollector #debtcollection #debt #debtfree #debtpayoff LVNV Jefferson Capital Portfolio Recovery Midland Credit Management debt collector texting debt validation letter debt collection violations cfpb dispute collections on credit report debt collector harassment credit repair education fdcpa violations how to dispute collections debt"
TikTok Link 2026-02-14T16:17Z 18.3K followers, [---] engagements

"Replying to @Lexie Debt Collector on NMLS and came up emptythat doesnt automatically mean theyre allowed to collect from you. NMLS is mainly for mortgage-related companies. Most debt collectors are licensed at the state level not federally. That means: They may need a license in your state They may need to be registered with a state agency or Secretary of State And if they arent properly licensed where you live that matters Before you panic or pay anything: [--]. Check your states debt collection licensing database [--]. Look up the company name AND any alternate business names [--]. Confirm theyre"
TikTok Link 2026-02-15T13:00Z 18.3K followers, [---] engagements

"Whats in my wallet credit card edition ✨💳 I change these out depending on what Im doing what card I need to hit a sign up bonus on and annual fee certificate spend or best card for cash back. Just depends where Im going These are my current rotation 🫶 #travel #traveltiktok #creditcards #travelcreditcard #travelcreditcards #travelcards #creditcardpoints #creditcardpointsandmiles #pointsandmiles #pointsandmileslifestyle #amexplatinum #americanexpressplatinum #americanexpressplatinumcard #chasecreditcard #chasesapphire #chasebusiness #chasebusinessink #creditcardtips #caritavels This is a"
TikTok Link 2024-07-16T18:03Z 18.3K followers, [----] engagements

"Remove Default Student Loans causing Bad Credit fom your credit report using the Fresh Start Program. #studentloans #credit #creditscore #debt #studentloanforgiveness #badcredit Default record will be removed from your credit report Deadline to apply: Oct [--] [----] How to Remove Default Student Loans Off Your Credit Report Students(dot)gov Comment below if you want more videos on this program or default student loans For Free Default record will be removed from your credit report Deadline to apply: Oct [--] [----] How to Remove Default Student Loans Off Your Credit Report Students(dot)gov Comment"
TikTok Link 2024-07-17T14:30Z 18.3K followers, [---] engagements

"#stitch with @Shonda Martin Budgeting is key to benefiting from a secured credit card. Secured Credit Cards are the best way in my opinion to rebuild your credit score. Having a strategy when it comes to repairing and rebuilding your credit is crucial if you want to have a [---] credit score. #creditscore #credit #securedcreditcard #financialfreedom #financialtips"
TikTok Link 2024-07-17T18:39Z 18.3K followers, 44.8K engagements

"Replying to @Storm_NotDaniels23 Secured cards are honestly my favoritw credit builder tools when looking to improve your score even more after disputing. #financetiktok #creditrepair #credittips #creditcard #creditrepairtips Sounds of Real Life Income Sounds of Real Life Income"
TikTok Link 2024-07-27T20:43Z 18.2K followers, 33.9K engagements

"You alwasy want ro use credit cards responsibly but especially when securing with your own money #creditrepair #creditcardtips #badcredit #financetiktok #financetips How To Use A Secured Credit Card How To Use A Secured Credit Card"
TikTok Link 2024-07-29T18:48Z 18.2K followers, 13.2K engagements

"Replying to @Brett Galloway this will always be my favorite credit card #creditbuilder #creditrepair #creditcard #financetiktok #creditrepairtips Great Credit Builder Credit Card With another Hard Inquiry Great Credit Builder Credit Card With another Hard Inquiry"
TikTok Link 2024-08-09T22:26Z 18.1K followers, [----] engagements

"How to buy a car if you have a low [---] credit score and have no other options but to try financing through a dealership #carbuyingtips #carbuyingtips #creditrepairservices #creatorsearchinsights [--] Steps To Getting A Lower Interest Rate With Bad Credit How To Buy A Car 🚗🚙🚗🚙🚗🚙🚗🚙🚗🚙🚗🚙🚗 [--] Steps To Getting A Lower Interest Rate With Bad Credit How To Buy A Car 🚗🚙🚗🚙🚗🚙🚗🚙🚗🚙🚗🚙🚗"
TikTok Link 2024-09-04T22:53Z 18.1K followers, 18.5K engagements

"How i improved my credit score from a low [---] to the mileston high of [---] is a story within itself. And i hope to continue to write its chapters inside of Mile One Credit Repair #creditrepairservices #creditrepairtips #creditrepairspecialist #financetiktok #creatorsearchinsights #greenscreen 💳💳💳💳💳 💳💳💳💳💳 Best app to check credit score - Experian 💳💳💳💳💳 Best App To Check Your Credit Score For Free 💳💳💳💳💳 💳💳💳💳💳 💳💳💳💳💳 💳💳💳💳💳 Best app to check credit score - Experian 💳💳💳💳💳 Best App To Check Your Credit Score For Free 💳💳💳💳💳 💳💳💳💳💳"
TikTok Link 2024-09-13T01:37Z 18.1K followers, [---] engagements

"How to increase your credit card likit on your Capital One Credit Card #capitalone #creditcard #creditrepairtips #creditrepair #creditcards #creatorsearchinsights #greenscreen How To Hack Capital One Credit Cards Algorithm For Larger Credit Limits 2x Speed How To Hack Capital One Credit Cards Algorithm For Larger Credit Limits 2x Speed"
TikTok Link 2024-09-24T17:41Z 18.2K followers, [----] engagements

"#creditcarddebt Best Balance transfer credit card of [----] is the ratest diamond of them all 💎 #creatorsearchinsights #greenscreen #creditcard #debtfree #moneytok Best credit cards for balance transfer Credit card debt How to pay off credit card How to do a balance transfer Ideal Credit Card for an Authorized User 👵 [--] years or older 💰 $5k+ Limit 10% or less Utilization 💎 Perfect Payment History Best credit cards for balance transfer Credit card debt How to pay off credit card How to do a balance transfer Ideal Credit Card for an Authorized User 👵 [--] years or older 💰 $5k+ Limit 10% or less"
TikTok Link 2024-10-13T22:33Z 18.2K followers, [----] engagements

"Replying to @chenny 😍 #studentloans #studentloanforgiveness #salliemae #studentloandebt #studentdebt CFPB Settlement From Navient/Sallie Mae CFPB Settlement From Navient/Sallie Mae"
TikTok Link 2024-10-17T18:04Z 18.2K followers, 13.4K engagements

"Credit Reporting Agencies going to collect your data by any means. And those means often come in the form of secondary credit reporting agencies they can tap into as a way to verify the accounts you try to dispute. Clarity Services - Experian DataX - Equifax FactorTrust - TransUnion #creditrepairtips #badcredit #lowincome #creditrepair #creditrepairservices DataX Clarity Services FactorTrust [--] Credit Reporting Agencies you need to freeze if youve used Payday Check Cashing or Rent-to-Own Services that are negative accounts on your credit report DataX Clarity Services FactorTrust [--] Credit"
TikTok Link 2024-10-18T12:30Z 18.3K followers, [---] engagements

"How to submit your disputes using the CFPB to start removing collections and charge offs from your credit report and improve your credit score. #creditrepair #creditrepairtips #consumerlaw #fcra #creatorsearchinsights How to dispute a charge off How to remove a charge off from credit report How to remove a collection How to remove hard inquiry Fdcpa Fcra Debt collector Cfpb How to dispute a charge off How to remove a charge off from credit report How to remove a collection How to remove hard inquiry Fdcpa Fcra Debt collector Cfpb"
TikTok Link 2024-10-31T18:24Z 18.2K followers, 28.2K engagements

"Replying to @Natalie ##creditrepair free guide in my bio to help you repair your credit #creditrepairtips #creditscore #badcredit #credit #greenscreen"
TikTok Link 2024-11-09T17:19Z 18.2K followers, [----] engagements

"Replying to @Candidiva improve your credit score by removing even pid closed accounta hurting your credit score by using consumer law and challenging the credit reporting agencies #creditrepair #badcredit #financialfreedom #debtcollector #fyppppppppppppppppppppppp Watch This 👇 How to improve your credit score How to remove paid collections Debt collectors Credit repair yourself Dispute letters Pay for delete PASSIVELYJAZZED ONLY ACCOUNT PASSIVELYJAZZED ONLY ACCOUNT PASSIVELYJAZZED ONLY ACCOUNT REMOVING PAID COLLECTIONS Watch This 👇 How to improve your credit score How to remove paid"
TikTok Link 2024-12-05T14:17Z 18.3K followers, [----] engagements

"Navy Federal Credit Union Alternatives for people with Bad Credit in the comment section #badcredit #financialliteracy #creditunion #navyfederal Navy Federal Credit Union Has Never Liked Yall Like That Navy Federal Credit Union Has Never Liked Yall Like That"
TikTok Link 2024-12-07T21:07Z 18.3K followers, [----] engagements

"Navient Sallie Mae Student Loan Settlement coming in. #studentlife #salliemae #navient #settlementmoney #greenscreen #greenscreenvideo CFPB Settlement Navient Sallie Mae Student loans Navient Sallie Mae Student Loan Settlement Update CFPB refund checks CFPB lawsuit refund checks CFPB Settlement Navient Sallie Mae Student loans Navient Sallie Mae Student Loan Settlement Update CFPB refund checks CFPB lawsuit refund checks"
TikTok Link 2025-01-06T23:37Z 18.2K followers, [---] engagements

"#Experian CFPB Experian lawsuit [----] is how to activate the ultimate dispute removal strategy to get Collections Charge Offs and Late payments off your credit report #CFPB #lawsuit #creditrepair #creditrepairtips #greenscreen How To Delete Charge Offs Collections Late Payments From Experian Credit Report Now Experian lawsuit [----] Experian boost credit Experian dispute removal Cfpb sued Experian Cfpb sues Experian How To Delete Charge Offs Collections Late Payments From Experian Credit Report Now Experian lawsuit [----] Experian boost credit Experian dispute removal Cfpb sued Experian Cfpb sues"
TikTok Link 2025-01-09T02:20Z 18.2K followers, 171.9K engagements

"Experian Lawsuit [----] #CFPB is giving us a way to take power back and start seeing deletions come through on our Credit Reports even with TransUnion and Equifax #creditrepair #creditrepairtips #credit #consumerlaw #experian #transunion #equifax Your Going To Want To Move Fast 💨 *Equifax NOT Experian Experian Lawsuite [----] Experian Lawsuit CFPB lawsuit Consumer Law [--] USC [----] Collection dispute letter Using The Experian [----] Lawsuit Against TransUnion & Equifax Your Going To Want To Move Fast 💨 *Equifax NOT Experian Experian Lawsuite [----] Experian Lawsuit CFPB lawsuit Consumer Law [--] USC"
TikTok Link 2025-01-09T17:36Z 18.3K followers, 15.3K engagements

"Replying to @OFFICIAL RIA Credit Card to watch if you want the feel of an American Express Credit Card. #credit #creditcards #creditcard #americanexpress #creatorsearchinsights Something Like How To Get American Express Credit Card American Express credit card American Express gold American Express platinum How to use a credit card Something Like How To Get American Express Credit Card American Express credit card American Express gold American Express platinum How to use a credit card"
TikTok Link 2025-01-10T13:19Z 18.1K followers, 13.6K engagements

"Replying to @Christian Levings Identity Theft is taken seriously truthfully or not. Be prepared with evidence if you are a true victim #creditsweep #creditrepair #creditrepairservices #credit They Cant Arrest All Of You Delete Everything From Your Credit Report In [--] Days Credit sweep Credit repair Dispute collections [--] usc [----] They Cant Arrest All Of You Delete Everything From Your Credit Report In [--] Days Credit sweep Credit repair Dispute collections [--] usc 1681"
TikTok Link 2025-02-12T18:55Z 18K followers, 70.6K engagements

"Default Judment due to not showing up can result in you having to pay a debt to a debt collector who never owned it in the first place #debtcollector #debt #debtcollections #creditrepair #creatorsearchinsights Debt collector lawsuit Default judgement Wage garnishment Debt collection Dispute debt Ignored A Debt Collector Now They Are Suing You 👩⚖ Debt collector lawsuit Default judgement Wage garnishment Debt collection Dispute debt Ignored A Debt Collector Now They Are Suing You 👩⚖"
TikTok Link 2025-02-22T17:53Z 18.3K followers, [----] engagements

"Default Nudgment for a debt collector lawsuit you didnt sho up to Act fast if you have a default judgment against you. #debtcollector #debtlawsuit #debt #debtcollection #wagegarnishment #creatorsearchinsights [--] Confirm that you were properly served. [--] Get familiar with your state laws Court procedure [--] File a Motion to set aside the Default Judgment Default Judgement Debt Handle It In [--] Steps Default judgment Debt garnishment Wage garnishment Set aside judgement Debt collector lawsuit [--] Confirm that you were properly served. [--] Get familiar with your state laws Court procedure [--] File a Motion"
TikTok Link 2025-02-28T19:38Z 18.2K followers, [----] engagements

"Replying to @Saratoga Lynx Purchase Agreements are just one of the ways a Debt Collector can prove they own the debt. But they never want to show it 🤔 #creditrepair #creditrepairtips #creditrepairservices #debtcollector #creatorsearchinsights Debt collection dispute How to improve credit fast Increase credit quickly Credit repair services Collection dispute Debt Collector Refusing To Provide The Purchase Agreement You Want To Watch This Debt collection dispute How to improve credit fast Increase credit quickly Credit repair services Collection dispute Debt Collector Refusing To Provide The"
TikTok Link 2025-03-27T13:39Z 18K followers, [----] engagements

"Replying to @anilsarosa7 Debt collector can use a lawyer to come in to settle before the sue. Dont let it get that far. Book a strategy call in my profile to work with me on your next steps 1:1 #debt #debtcollector #debtfree #creditrepairtips #creditrepair Debt collector Debt collection Dispute collection off credit Debt validation letter Remove collection off credit [--] Steps To Deal With A Lawyer Trying To Collect A Debt Off You Debt Collector Lawyered Up Debt collector Debt collection Dispute collection off credit Debt validation letter Remove collection off credit [--] Steps To Deal With A"
TikTok Link 2025-05-17T12:42Z 18.1K followers, [----] engagements

"Replying to @iTS__Vanity Tradelines to build credit if you have bad credit: Credit Builder cards or loans like Meet Ava are worth considering. 🔗 in bio to learn more. Meet Ava Self credit builder Tradelines to boost credit Chime credit card Increase credit score Meet Ava Self credit builder Tradelines to boost credit Chime credit card Increase credit score"
TikTok Link 2025-05-27T20:30Z 18.2K followers, 22.7K engagements

"TransUnion $23 Million Class Action Lawsuit deadline is June 24th #creditrepair #creditrepairservices #creditrepairtips #classactionsettlement #transunion Correction: June 24th is the deadline Hurry To File A Claim In The $23 Million TransUnion Class Action Lawsuit Correction: June 24th is the deadline Hurry To File A Claim In The $23 Million TransUnion Class Action Lawsuit"
TikTok Link 2025-06-23T21:59Z 18.1K followers, 948.7K engagements

"Replying to @Kandyeeluvinme Monique Need help with disputing against the credit bureaus and debt collectors Comment Strategy to work with me 1:1 #creditrepair #creditrepairtips #debtcollector #credit Do what I do instead credit repair dispute letter Experian dispute letter consumer law [--] usc [----] Stop Letting Experian Verify Your Disputes For No Reason Do what I do instead credit repair dispute letter Experian dispute letter consumer law [--] usc [----] Stop Letting Experian Verify Your Disputes For No Reason"
TikTok Link 2025-07-03T12:12Z 18.1K followers, 10.3K engagements

"Creditor sold your debt to a Debt Collector Send a Debt Validation letter immediately #debtfree #debt #debtcollector #debtcollection #creatorsearchinsights Your Charge Off Was Sold To A Debt Collector HELP charge off dispute charged off charge-off removal collection dispute letter debt collector debt collection fdcpa debt collection dispute Your Charge Off Was Sold To A Debt Collector HELP charge off dispute charged off charge-off removal collection dispute letter debt collector debt collection fdcpa debt collection dispute"
TikTok Link 2025-07-25T11:51Z 18.2K followers, 38.4K engagements

"Seriously though How much longer are you keeping bad credit scores #credit #creditrepair #disputeletter #latepayment #creatorsearchinsights Congress passed a law that lets you remove missed payments from your credit report. How much longer are you going to let that [--] day sit there how to remove missed payments how to dispute late payments how to reverse late payments from credit Goodwill adjustment letter Goodwill letter Congress passed a law that lets you remove missed payments from your credit report. How much longer are you going to let that [--] day sit there how to remove missed payments"
TikTok Link 2025-08-02T01:26Z 18.3K followers, 351.2K engagements

"Replying to @user640276373 The Fair Credit Reporting Act AKA the FCRA is one of THE Consumer Laws you need to know to fix your credit in [----] #credit #creditrepair #consumerlaw #fcra #disputeletter [--] Second Quick Bite The Fair Credit Reporting Act what is the FCRA fcra fair credit reporting act [--] us code [----] [--] usc [----] consumer law cfpb laws cfpb rules [--] Second Quick Bite The Fair Credit Reporting Act what is the FCRA fcra fair credit reporting act [--] us code [----] [--] usc [----] consumer law cfpb laws cfpb rules"
TikTok Link 2025-08-08T17:15Z 18.2K followers, [----] engagements

"Replying to @Sweetie ❤ Credit Bureau says they cant give you a credit report 📌Save these tips to get yours today #creditreport #credit #creditbureau #experian #creditkarma HELP TransUnion Cant Find My Credit File Experian credit report transunion credit report equifax credit report credit karma credit karma credit report free credit report HELP TransUnion Cant Find My Credit File Experian credit report transunion credit report equifax credit report credit karma credit karma credit report free credit report"
TikTok Link 2025-08-15T16:20Z 18.1K followers, [----] engagements

"Dispute came back verified AGAIN Check out the ✨500 to [---] Series✨Playlist and hit the FOLLOW button for more credit repair tips just like this #creditrepair #creditrepairtips #experian #creditscore #credit experian what does it mean when experian verified my dispute dispute letter that works Uhow to remove charge off how to remove collection experian credit report dispute how to fix credit yourself dispute letter template Experian Verified Your Dispute AGAIN 📌 Save This Action Tip ✨500 to [---] Series✨ experian what does it mean when experian verified my dispute dispute letter that works Uhow"
TikTok Link 2025-08-24T18:58Z 18.3K followers, [----] engagements

"Debt Collector Violations can sometimes look like stall tactics 😳and if you didnt know better you would allow them to buy time to try and get what they needed to keep demanding you pay a debt they cannot validate 📌Know your Rights when it comes to the FDCPA and dealing with debt collectors. #debt #debtcollector #debtcollection #fdcpa #cfpb debt collector violation fair debt collection practices act fdcpa [--] us code 1692g [--] usc 1692g debt collection how to sue debt collectors debt validation debt verification When the IC Systems debt collector thought they could use a stall tactic to hide"
TikTok Link 2025-09-04T17:36Z 18.2K followers, [----] engagements

"How to respond to a Debt Collector 👉Request Debt Validation like this #debt #debtcollector #debtcollection #fdcpa #creditrepair How To Request Debt Validation From A Debt Collector dispute letter credit bureau dispute letter fcra laws to remove late payments how to fix credit yourself how to write a dispute letter to the credit bureau credit repair tips credit repair fix credit fast how to improve credit score How To Request Debt Validation From A Debt Collector How To Request Debt Validation From A Debt Collector dispute letter credit bureau dispute letter fcra laws to remove late payments"
TikTok Link 2025-09-16T15:28Z 18.2K followers, 48.2K engagements

"Method of Verification letter lets you demand Experian show you exactly how they verified your dispute And relying 100% on the Creditors investigation is not going to work (🚩 FCRA Violation) #Experian #debt #creidtrepair #creditrepairtips #creatorsearchinsights method of verification experian verified dispute experian verified and updated experian verified as accurate method of verification letter method of verification experian verified dispute experian verified and updated experian verified as accurate method of verification letter"
TikTok Link 2025-10-12T22:20Z 18.2K followers, [----] engagements

"Student Loans reporting late payments that are inaccurate You can dispute them directly with the Credit Bureau or the Student Loan Servicer to get them removed. ✨ Need help and want to work with me [--] on [--] 👇 Comment STRATEGY and Ill let you know how we can connect on a 45-minute call. #studentloans #studentloandebt #creditrepair #PersonalFinance #consumerlaw PASSIVELYJAZZED student loan dispute letter student loan late payment dispute letter template remove student loans from credit report student loan debt mohela ed financial nelnet navient Removed 90-Day Late Payments From Credit Report"
TikTok Link 2025-10-25T19:13Z 18.2K followers, [----] engagements

"Collection removed from credit report and $775 Collection Debt deleted with Jefferson Capital after sending [--] debt validation letter 🤯 I dont listen to people who say to stop sending debt validation letters because when you know how credit repair works how removing collections works sending a debt validation is key to your next step If you think you cant remove a collection without paying - this is proof that you 100% can Are ready to finally remove yours Comment LETTERS and Ill tell you how to snag the Debt Collection Dispute Letters along with a over 60+ compliance based dispute letter to"
TikTok Link 2025-11-13T13:19Z 18.3K followers, [---] engagements

"Late Payments removed from your Experian Credit Report could all be so simple if you just stop wasting your time reciting laws and start factually disputing with all [--] Credit Bureaus. Now get over into the Late Payment playlist - Tik Tok #latepayment #experian #debt #creditrepair #creditrepairtips Now their Credit Report shows 100% Payment History Experian removed a Late Payment for my Client Experian Credit Report Experian dispute Experian late payment remove late payment from credit late payment dispute letter how to remove late payment from credit report missed payment removed from credit"
TikTok Link 2025-11-14T13:40Z 18.3K followers, [----] engagements

"Capital One sent your debt to collections Heres what you need to know when dealing with a debt collector and a collection on your credit report #creditrepair #debtcollector #debtcollection #creditcard #debt Capital One sent me to Collections capital one sold my debt debt collector ****debt collection debt validation debt collector sent credit card statements debt collector sent statements debt collector debt validation debt verification fdcpa laws how to beat a debt collector Capital One sent me to Collections capital one sold my debt debt collector ****debt collection debt validation debt"
TikTok Link 2025-11-15T12:58Z 18.2K followers, [----] engagements

"Experian verified your disputes Use your rights under the FCRA and call out the Credit Bureau and their investigation 💬 Comment LETTERS if you want to know exactly how to get the same disputes letters I use for my clients now. Ready to fix your credit yourself Use promo code ✨LETTERS✨ and take 15% off at the link on my profile #creditrepair #creditrepairtips #creditscore #experian #creatorsearchinsights remove charge off from credit never pay a charge off charge off vs collection removing closed accounts with a balance how to remove charge off with balance charge off with a balance Remove"
TikTok Link 2025-11-27T13:46Z 18.2K followers, 10.7K engagements

"Replying to @Ricki Love Debt Collector sent a Text 📌Save this post so you never forget: ❌ Unverified short code ❌ Missing attempt to collect disclosure ❌ Ambiguous due Liberty Mutual phrasing ❌ Shady payment link All of that = multiple federal violations. ✨Follow so you never miss tips on how to deal with debt collectors just like this #debt #debtcollector #fdcpa #debtcollection #creatorsearchinsights debt collector violations debt collector text debt collector debt collection debt debt collector regulation f debt collector fdcpa violations debt collector sent a text text from a debt"
TikTok Link 2025-12-02T17:39Z 18.2K followers, [---] engagements

"Default Judgement Debt can happen if you dont show or dont answer (the summons). So if you are ever sued by a Debt Collector do these [--] things ASAP [--]. Respond to the summons [--]. Get familiar with the rules of the court (they differ for every state) [--]. Give yourself time to file the motions that you need to. You do not want to wait and make it easy for a debt collectors lawyer to object. I post daily credit repair tips including how to beat a debt collector and remove collections without having to pay. ✨Ready to remove a collection and want to work with me [--] on [--] just comment STRATEGY and I can"
TikTok Link 2025-12-04T22:11Z 18.3K followers, [---] engagements

"In a world filled with Kadessa Sayles please dont give anyone who is calling the verification pin number Because when it comes to protecting both you cash and your credit you must protect your identity. If you love Grandma and Grandpa Great Uncle Jimmy and Aunty Carole please take [--] minutes to talk with your older family members about protecting their identity online and on the phone so they know what to look out for. 🎄 #scammers #fraudprotection #credit #scam #debt kadessa sayles kadessa sayles instagram kadessa sayles body cam kadessa sayles prison kadessa sayles tiktok kadessa sayles palm"
TikTok Link 2025-12-22T21:30Z 18.3K followers, [----] engagements

"Student Loan Wage Garnishments are starting January [--] [----] with notices going out to the [----] student loan borrowers. About [--] Million student loan borrowers are in default which means Wage Garnishments can take place. There is something that you can do to STOP wage garnishments 🛑 Negotiate a student loan payment more doable for you 🛑 Object once you receive the notice for Wage Garnishment Objecting is going to require you: ✅ Gathering evidence to support your argument around not being able to pay ✅ Make the objection within [--] days of receiving the notice to garnish your wages ✅ Request a"
TikTok Link 2025-12-27T17:00Z 18.2K followers, [----] engagements

"Replying to @johnwicksdog00 Tools to monitor your credit report and credit score 👇🏾 If youre trying to fix your credit in [----] these are the tools and how I would use them: 🦖Credit Karma: monitor changes to your TransUnion and Equifax credit reports 🎮 Credit Simulators: great when looking to see how high (or low) your credit score might go based on changes to your credit report. ☯ Experian App: free Experian credit report and FICO score available Check out the Jumpstart Checklist available for link in my bio These will walk you through the steps to get started fixing your credit today"
TikTok Link 2025-12-30T14:18Z 18.2K followers, [---] engagements

"3 Easy ways to boost your Credit Score in [----] 📌 Save this post if [----] is backdrop of your house buying season [--]. Becoming an Authorized User by having someone with great credit add you to their credit card. [--]. Pay your credit cards down by the closing date I post daily credit repair so be sure to follow so you never miss out [--]. Dispute negatives items from your credit reports. The Credit Repair Jumpstart Checklist is the perfect way to get started fixing your credit without hiring anyone to do it for you Linked in my bio 🩷 #creditrepair #creditrepairservices #creditscore #credit"
TikTok Link 2026-01-01T18:03Z 18.2K followers, [---] engagements

"3 Tips to have a Financial Rebrand in [----] to make hitting those big goals a whole lot easier. And all you need to do is ✅ Snag the free Jumpstart Checklist from my profile (inside 🔗) ✅ Check out the Credit Repair playlist on my page if following me on TikTok or UTube ✅ Hit the follow button so you never miss daily credit repair tips and credit building hacks dont forget 🗂 Get a FREE copy of your Experian Equifax and TransUnion Credit Reports via AnnualCreditReport ((dot))com #PersonalFinance #debtfree #goals #creditrepair #TikTokCreatorSearchInsightsIncentive upgrading your life 2026"
TikTok Link 2026-01-02T13:15Z 18.2K followers, [----] engagements

"Pay to Delete Negotiations with a Debt Buyer can delete the collection from your credit report and cut the balance owed in half Not every debt collector will delete a collection that you paid for unless you ask for a pay to delete. 📌 So save this video to come back when you are ready to get it done. Need a Pay to Delete template Check out the DIY Letter Pack inside the 🔗 on my profile ✅ Over 60+ professionally written dispute letters using consumer laws ✅ CFPB cheat sheet ✅ Debt Collectors Late Payments Charge Offs Student Loans Kits ✅ Neatly organized inside a Google Drive 💬 comment"
TikTok Link 2026-01-03T02:22Z 18.3K followers, [----] engagements

"How to find errors on your Credit Report 📌 Save this post and use these [--] easy ways to spot errors [--]. Pull your real credit reports Experian TransUnion Equifax Innovis [--]. Compare the Account details being reported Pull your credit reports at the same time to make sure the information has not been updated [--]. Compare the Payment History Details I walk through errors with clients who do not want (or need) to waste hundreds on credit repair companies or months in disputes using consumer laws that dont make sense to put in a dispute letter to the credit bureau. And I can work with you 🫵 today 📆"
TikTok Link 2026-01-05T19:11Z 18.2K followers, [---] engagements

"Replying to @dmple27 Student Loan late payment removed from credit bureaus after showing [--] days late 🤯 This is why I dispute with the Credit Bureaus and NOT the Student Loan Servicer 🎀 and I post daily credit repair tips and credit building hacks so make sure you are following to never miss out 🎀 FCRA Laws ➡ rules Credit Bureaus Creditors Debt Collectors have to follow to furnish or report anything on the credit report pulled. Credit Reporting Agencies ➡ need to follow the rules when reporting Data Furnisher (companies reporting to the bureaus) ➡ need to follow the rules when furnishing"
TikTok Link 2026-01-06T23:05Z 18.2K followers, [---] engagements

"TransUnion playing games worthy of being sent to the wall and you are just sitting back letting them 🐺 This is why knowing your rights is actual POWER TransUnion doesnt get to use stall tactics but they will because you dont know that what they are doing is stalling you from fixing your credit. Because bad credit is profitable 💰 🐉 You want to know the one thing credit bureaus do not want you to do Request a method of verification after they send you the results of their investigation This is your right Use it I post daily credit repair tips and credit building hacks so make sure you hit"
TikTok Link 2026-01-08T13:16Z 18.2K followers, [---] engagements

"If you want Experian to stop verifying your disputes you need to do this before you ever send a dispute letter to them 👇 and most people skip this step please dont be most people Whenever you dispute one of the ways they verify is be relying on the company over the account you are trying to remove or update to positive. If that account is with a debt collector even without your SSN they can use outdated personal information that is still showing up on your credit report to verify that they have the right person. For the company ✅ I reported something negative about Mary who LIVES on [---] Down"
TikTok Link 2026-01-11T20:08Z 18.1K followers, [---] engagements

"Replying to @Eternal_sunshine77 🎉 debt collection case dismissed Love to see it #debtcollector #debtcollection #lawsuit #lvnv #debt Sued by a Debt Collector Do this next. debt collector lawsuit lvnv sued me debt collection lawsuit sued by lvnv lvnv debt collector lvnv debt buyer debt collector debt collection Do this next. Sued by a Debt Collector Case Dismissed Case Dismissed LVNV initiated a civil lawsuit without having proof they can collect the debt Failed to respond to discovery request Used the judicial system to pressure you into paying FDCPA Section [---] [--] USC 1692f Sued by a Debt"
TikTok Link 2026-01-17T13:38Z 18.2K followers, [----] engagements

"Replying to @Aliyah Bell Credit Bureau placed a deleted account back on your credit repot 📌 SAVE THIS POST Credit Bureaus often forget to follow the FCRAs laws on placing deleted accounts back on after the consumer and disputed and won Not always because they want to do it on purpose 😈 but because creditors often dont catch it during a data dump. 💬 ready to work with me [--] on [--] without the full service Drop STRATEGY in the comments and I will tell you how to book a call. Let me walk you through the next steps to take care of small dispute tasks just like this all on your own. #creditreport"
TikTok Link 2026-01-20T01:00Z 18.1K followers, [---] engagements

"Experian didnt respond to your dispute Sounds like an FCRA compliance violation to get my negatives deleted ASAP #experian #creditrepair #creditrepairtips #fcra #consumerlaws Experian didnt respond Experian didnt respond dispute keeps coming back verified is experian accurate fix my credit score experian dispute late payment experian verified dispute equifax verified dispute transunion verified dispute verified dispute as accurate dispute verified as accurate What Experian hears when I add please respond to my dispute within the [--] days required under the FCRA to the end of my dispute letter"
TikTok Link 2026-01-23T16:40Z 18.3K followers, [---] engagements

"Your credit score sucks because you are worried about the wrong things. Credit scores take the biggest hit when your negative items are related to how you pay lenders back. 😩 Late Payments Defaulted Accounts Maxed out credit limits = Poor Money Management Focus your dispute strategy on getting those negative items off and watch your credit score go UP So if youre ready to fix your credit move quickly and not guess a book time to work with me [--] on [--] [--] minutes of straight Strategy no gatekeeping. 💬drop CALL ME in the comments and I will let you know how we can connect. Step-by-step guide on"
TikTok Link 2026-01-27T20:48Z 18.2K followers, [---] engagements

"How to get a [---] credit score You have two options to start with: Credit Repair or Credit Building. Just dont confuse the two Credit Repair is going to look like Sending disputes to the creditors on your credit report or the credit reporting company Choosing to delete have updated to positive or leave them be when it comes to negative accounts impacting your credit score Credit Building is going to look like Taking actions like paying down credit cards to boost your score Adding new tradelines to help with credit mix or payment history Self reporting bills you already pay like utilities and"
TikTok Link 2026-01-27T22:42Z 18.1K followers, [---] engagements

"A dunning letter and a validation notice are NOT the same thing (and they really hope you dont notice 😒) So heres the difference in plain English: ♦Validation Notice is legally required. Has to be sent after the first contact and it must tell you your rights including how to dispute the debt and request proof. ♦ Dunning Letter is just a collection attemptpressure. A reminder to pay without the legally required information and disclosures required under the FDCPA. So when a collector sends a dunning letter instead of a validation notice thats not slick thats a potential violation. Before you"
TikTok Link 2026-01-30T23:43Z 18.2K followers, [---] engagements

"How to write a dispute letter Easiest way ➡ write your info over a template and be done with it You dont have the time to waste You dont want to hire someone to do it for you And you dont want to go another month (or year) waiting for your credit to be fixed Do yourself a favor and invest in yourself by using an easier option while maintaining your sanity. Because if I drive and you walk as long as we both keep going we both will get there. Time is the only difference so save yours. 💬 comment LETTERS if you just want to use mine (I use the same ones for my clients 😉) #creditrepair"
TikTok Link 2026-01-31T12:55Z 18.2K followers, [---] engagements

"Thinking of ignoring a debt collector Think again Too many people make this mistake not realizing Debt Collectors are waiting for the [--] days to past once they send you a validation notice. When it comes to a Debt Buyer and the FDCPA ➡ KNOW YOUR RIGHTS I post daily credit repair tips and credit building hacks Hit follow 🦋and never miss out #debtcollector #debtcollection #debt #debtfree #debtpayoff Can I ignore a debt collector can i ignore a debt collector what happens if you ignore a debt collector debt collection remove collection from credit cfpb collection collection dispute letter never"
TikTok Link 2026-01-31T20:14Z 18.2K followers, [---] engagements

"Can you really remove missed payments from your credit when you were actually late [--] late payments updated to positive says you can So tell me again why youre starting another month saying youll do the thing you said your were going to do [--] days ago #latepayments #debt #creditscoretips #creditrepairtips #creditcards late payments remove late payments from credit late payments on credit report remove missed payments from credit remove missed payments credit report removing late payments laws to remove late payments late payment dispute letters getting late payments off credit POV: You sent"
TikTok Link 2026-02-01T23:12Z 18.2K followers, [---] engagements

"You can be doing everything right but approvals keep saying no anyway ✔ steady paycheck ✔ no missed rent ✔ not living reckless But still you gotta jump through hoops to even get approved with conditions. ☝🏾 Thats usually the sign that the issue isnt income effort or discipline. Most people dont realize how much weight your credit report can carry when decisions are made. And no one explains what to look at when your application doesnt make sense. If this post feels a little too accurate youre not crazy. Youre just missing context most people never get. Your credit report is telling a very"
TikTok Link 2026-02-02T17:00Z 18.2K followers, [---] engagements

"7 years thats how long a Late Payment stays on your credit report When you think about thats 👉🏾 [--] years you get to be reminded you didnt pay on time 👉🏾 [--] years future lenders are reminded you dont pay on time but hey 👉🏾 [--] years of damage to your credit score The older a late gets the less it hurts. But an [--] point drop Thats hurting you now Ready to get REAL tips to help you fix your credit without hiring a credit repair company (because it isnt that complicated) I post daily credit repair tips ➕ make sure you hit the follow button and never miss out 😉 #latepayments #debt"
TikTok Link 2026-02-04T00:10Z 18.2K followers, [---] engagements

"Struggling to remove late payments from open accounts Give these [--] methods a try ➡Goodwill Letter to the Creditor ➡Call Customer Service for the creditor ➡Dispute late with credit bureaus directly Ready to knock late payments off your credit report and increase your credit score Hit the follow button so you never miss when I post daily #latepayments #debt #creditscoretips #creditrepairtips #creditcards"
TikTok Link 2026-02-04T14:12Z 18.2K followers, [---] engagements

"Late payment dispute verified Heres the part no one explains 👇🏾 When a late payment comes back verified it doesnt automatically mean it was properly investigated or accurately reported. Most disputes fail because: ❌ the dispute reason wasnt specific ❌ the bureau relied on automated verification ❌ the furnisher didnt actually review what was challenged If your late payment came back verified there is a next step 💬 comment LATE if youre ready to finally push back on the credit bureaus and stop their games. #latepayments #creditrepair #creditdisputes #disputingcredit #faircreditreporting"
TikTok Link 2026-02-04T22:08Z 18.2K followers, [---] engagements

"Replying to @twt684 @passivelyjazzed OMG lets just hope these credit card acquisitions are just rumors and not true. 🤦🏾♀ #capitalone #discovercreditcard #creditcarddebt #creditcard #creditrepairservices What is going on with Capital One What is going on with Capital One"
TikTok Link 2024-08-26T03:44Z 18.3K followers, [----] engagements

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