#  @clevercapitalfreedom Clever Credit Guy
Clever Credit Guy posts on TikTok about debt, collection, finance, if you the most. They currently have [-------] followers and [----] posts still getting attention that total [------] engagements in the last [--] hours.
### Engagements: [------] [#](/creator/tiktok::7120598521980961834/interactions)
- [--] Week [-------] +24%
- [--] Month [---------] -27%
- [--] Months [----------] -70%
- [--] Year [----------] +108%
### Mentions: [---] [#](/creator/tiktok::7120598521980961834/posts_active)
- [--] Week [---] -2.50%
- [--] Month [---] -7.50%
- [--] Months [---] +58%
- [--] Year [---] +171%
### Followers: [-------] [#](/creator/tiktok::7120598521980961834/followers)
- [--] Week [-------] +0.30%
- [--] Month [-------] +0.64%
- [--] Months [-------] +5.20%
- [--] Year [-------] +52%
### CreatorRank: [-------] [#](/creator/tiktok::7120598521980961834/influencer_rank)
### Social Influence
**Social category influence**
[finance](/list/finance) [stocks](/list/stocks) #5231 [ncaa football](/list/ncaa-football) #4539 [countries](/list/countries) [celebrities](/list/celebrities) [technology brands](/list/technology-brands) [automotive brands](/list/automotive-brands) [social networks](/list/social-networks) [financial services](/list/financial-services) #2780 [fashion brands](/list/fashion-brands)
**Social topic influence**
[debt](/topic/debt) #263, [collection](/topic/collection) #2894, [finance](/topic/finance) #1952, [if you](/topic/if-you), [ai](/topic/ai) #5841, [how to](/topic/how-to), [agencies](/topic/agencies) #105, [credit](/topic/credit) #138, [money](/topic/money), [bank of america](/topic/bank-of-america) #28
**Top accounts mentioned or mentioned by**
[@carolinachiick](/creator/undefined) [@mangodelight808](/creator/undefined) [@amarchbbeauty](/creator/undefined) [@cleverbizcredit](/creator/undefined) [@heyamyxo](/creator/undefined) [@alextafolla13](/creator/undefined) [@djgojabean](/creator/undefined) [@soniavalentin530](/creator/undefined) [@babyj1430](/creator/undefined) [@alysamcanally](/creator/undefined) [@mzheadgazm](/creator/undefined) [@leeann1822](/creator/undefined) [@brandyboo81](/creator/undefined) [@musicby3tg](/creator/undefined) [@bensaluna](/creator/undefined) [@kleejameson](/creator/undefined) [@user8173906469012](/creator/undefined) [@iamcharleennicole](/creator/undefined) [@user1616149974696](/creator/undefined) [@bonitanne](/creator/undefined)
**Top assets mentioned**
[Bank of America (BAC)](/topic/bank-of-america) [Tesla, Inc. (TSLA)](/topic/tesla) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Uber Technologies, Inc. (UBER)](/topic/$uber) [Klarna Group plc (KLAR)](/topic/klarna)
### Top Social Posts
Top posts by engagements in the last [--] hours
"How to dispute a collection with a [---] letter #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips You aren't liable to pay a collection. It's not your debt anymore 🚫 This is how you dispute it You aren't liable to pay a collection. It's not your debt anymore 🚫 This is how you dispute it"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7148508760472882474) 2022-09-28T19:05Z 514.3K followers, 531.8K engagements
"What exactly is a ucc-1 filing and how does it work Does it hurt your credit score #creditrepair What is a ucc-1 filing Uniform Commercial Code - [--] Does it prevent the creditor from filing a foreclosure on your home Does it prevent the bank doing a Repo on your car The creditor can enforce liens on your personal property What is a ucc-1 filing Uniform Commercial Code - [--] Does it prevent the creditor from filing a foreclosure on your home Does it prevent the bank doing a Repo on your car The creditor can enforce liens on your personal property"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7453207177751203102) 2024-12-27T21:30Z 514.3K followers, 33.3K 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 How to delete student loans from Aidvantage Aidvantage is sued for false reporting and inaccurate billing. This is a one time chance to delete student loans Do this asap Make sure you send certified mail Ask for permanent removal from all [--] credit bureaus How to delete student loans from Aidvantage Aidvantage is sued for false reporting and inaccurate billing. This is"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7525130963131714846) 2025-07-09T17:11Z 514.3K followers, 113.2K engagements
"Equifax slammed with a class action lawsuit. Golden opportunity for you to challenge derogatory items on your credit report. #creditrepair #creditrestoration #finance #creditcard #creditscore Equifax fucked up 🥸 Slammed with a class action lawsuit Equifax fucked up 🥸 Slammed with a class action lawsuit"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7130794841599937834) 2022-08-12T01:25Z 398.7K followers, 16.8K engagements
"Know your rights. This is not financial advice. How to handle medical collection. #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #medicalcollections Don't pay medical collections ❌ Don't pay medical collections ❌"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7139192255012703530) 2022-09-03T16:32Z 491.5K followers, 114.2K engagements
"How to delete medical debt #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips DONT DO THAT 🚫 Violation 🚫 Secret debt collectors do not want you to know 😈 If you have medical debt don't do this ❌ They Only have basic info. 👀 You are giving them permission to validate 😭 NO SURPRISE ACT LETTER 👍 Type the letter and include the Surprise Act Remove immediately ❌ DONT DO THAT 🚫 Violation 🚫 Secret debt collectors do not want you to know 😈 If you have medical debt don't do this ❌ They Only have basic info. 👀 You are giving"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7145829560989469998) 2022-09-21T13:48Z 484.3K followers, 37.9K engagements
"Being sued by a debt collector #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Listen very carefully 🙏 You are getting sued by a debt collector 😔. Here is what you need to do Listen very carefully 🙏 You are getting sued by a debt collector 😔. Here is what you need to do"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7148810297317264686) 2022-09-29T14:35Z 478.7K followers, 114.4K engagements
"Capital one late payments removal #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips This is how I removed [--] Capital One late payments This is how I removed [--] Capital One late payments"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7151409702943870250) 2022-10-06T14:42Z 398.7K followers, 44.9K engagements
"Factual disputes in a collection or a charge off #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips This is your golden ticket to remove it NEVER EVER overlook this wheb disputing a collection / charge off 🚫 This is your golden ticket to remove it NEVER EVER overlook this wheb disputing a collection / charge off 🚫"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7152889073315745070) 2022-10-10T14:23Z 493.5K followers, 18.5K engagements
"Never pay a medical bill until you verify the true cost #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #medicalcollections Don't let them fool you Never pay a medical until you do this Fair Health Consumer Don't let them fool you Never pay a medical until you do this Fair Health Consumer"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7153260019054578987) 2022-10-11T14:22Z 310.9K followers, 1.2M engagements
"Freezing the secondary bureaus Lexisnexis Corelogic #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #credittips Do you really need to FREEZE the secondary credit agencies Do you really need to FREEZE the secondary credit agencies"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7153622752237309227) 2022-10-12T13:50Z 310.9K followers, [----] engagements
"There is always a way to fund your LLC #businesscredit You created an LLC and you need a $100k loan with no personal guarantee You created an LLC and you need a $100k loan with no personal guarantee"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7155570063196572971) 2022-10-17T19:46Z 497.4K followers, 35.3K engagements
"The worst thing you can do to damage your credit #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips How to destroy your credit rating in two simple steps How to destroy your credit rating in two simple steps"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7157393648416460074) 2022-10-22T17:43Z 484.3K followers, [----] engagements
"Junk data on your credit report #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Remove junk data on your credit report ASAP 🚫 Remove junk data on your credit report ASAP 🚫"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7158573456064335147) 2022-10-25T22:01Z 486.9K followers, [----] engagements
"#duet with @cleverbizcredit collection agencies can't verify your debt. So it has to fall off your credit report #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Collection agencies fail process of verification 99% of the time Need help with your credit Let me know. Collection agencies fail process of verification 99% of the time Need help with your credit Let me know"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7159177358346489134) 2022-10-27T13:04Z 487.6K followers, 10.4K engagements
"Bankruptcy court doesn't report information to any of the credit reporting agencies #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips The bankruptcy court doesn't report information to any of the credit reporting agencies Only way to remove it. is dispute it The bankruptcy court doesn't report information to any of the credit reporting agencies Only way to remove it. is dispute it"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7162929407588388138) 2022-11-06T15:44Z 326.4K followers, [----] engagements
"This is getting out of hand #creditrepair Collection agencies made over [--] Billion in [----] Collection agencies made over [--] Billion in 2022"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7166262179375926574) 2022-11-15T15:17Z 487.6K followers, [----] engagements
"Late payments removal #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #credittips How to remove late payments using this statute Experian Equifax Transunion How to remove late payments using this statute Experian Equifax Transunion"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7175157152099732779) 2022-12-09T14:34Z 338.9K followers, 14.5K engagements
"What is debt verification #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips What happens when a collection agency does not verify debt👀 What happens when a collection agency does not verify debt👀"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7179681361668689195) 2022-12-21T19:10Z 492K followers, [----] engagements
"Credit karma and experian app. Which one #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Credit Karma sucks Should you use the Experian app Should you download them Credit Karma sucks Should you use the Experian app Should you download them"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7180086977822428462) 2022-12-22T21:24Z 493.7K followers, [----] engagements
"These are the worst [--] things you can do to your credit #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips The [--] worst things you can do DESTROY your credit score 💀💀💀 The [--] worst things you can do DESTROY your credit score 💀💀💀"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7192325610839084331) 2023-01-24T20:57Z 496.2K followers, [----] engagements
"Collection agencies love to play games #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist Collection agency trickery 🤔❌ Collection agency trickery 🤔❌"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7195302162656906542) 2023-02-01T21:27Z 462K followers, 12.8K engagements
"How to remove evictions on your credit with CoreLogic #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips How to remove evictions on your credit CoreLogic Evictions foreclosures background checks are all stored in CoreLogic Start with personal information How to remove evictions on your credit CoreLogic Evictions foreclosures background checks are all stored in CoreLogic Start with personal information"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7195621995965451562) 2023-02-02T18:08Z 398.7K followers, 10.5K engagements
"How to handle debt collectors #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Debt collectors don't want you to know this Debt collectors don't want you to know this"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7212713248985058602) 2023-03-20T19:31Z 491.5K followers, 360.9K engagements
"Remove late payments with the CFPB #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Late payments on your credit report is a major privacy violation 🚫🚫🚫 Late payments on your credit report is a major privacy violation 🚫🚫🚫"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7223447044952689963) 2023-04-18T17:44Z 491.5K followers, 30.2K engagements
"Illegal hard inquiries #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7224682642732567851) 2023-04-22T01:38Z 314.4K followers, 10.2K engagements
"Is chat GPT an option #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Can you use Chat GPT to write dispute letters ❓ Can you use Chat GPT to write dispute letters ❓"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7227831475821956394) 2023-04-30T13:18Z 310.9K followers, [----] engagements
"Bankruptcy accounts can still show inaccuracies. You can sue the bureaus and get compensation #creditrepair Tons of errors on your credit report 🚫🚫🚫 Tons of errors on your credit report 🚫🚫🚫"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7231178911730732331) 2023-05-09T13:47Z 486.4K followers, [----] engagements
"You can be a victim of the CFPB data breach #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips You might be a victim of the CFPB data breach You might be a victim of the CFPB data breach"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7232483273526611242) 2023-05-13T02:09Z 317.5K followers, [----] engagements
"I see this error with collection accounts 99% off the time #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7235994989900139818) 2023-05-22T13:16Z 245.3K followers, [----] engagements
"Why business credit is so much better #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #businesscredit Why is a business credit card so much better Why is a business credit card so much better"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7236782213478616363) 2023-05-24T16:11Z 494.2K followers, [----] engagements
"This card is a must to build your credit #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips This card builds your credit and doesn't require a credit check 👍 This card builds your credit and doesn't require a credit check 👍"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7237946628517268779) 2023-05-27T19:29Z 493.2K followers, [----] engagements
"Do you have pets #pet #dog #tax #writeoff #kitten #puppy #creditrepair #creditrestoration #finance #creditcard #creditscore #credit"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7238690107421723947) 2023-05-29T19:34Z 236.1K followers, [----] engagements
"What makes a debt invalid with a collection agency Debt collectors don't want you to know the SECRET called "BURDEN OF PROOF" Makes the debt invalid Debt collectors don't want you to know the SECRET called "BURDEN OF PROOF" Makes the debt invalid"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7242802688239406378) 2023-06-09T21:33Z 462K followers, [----] engagements
"Late payments using the CFPB #creditrepair POV: Creditors know you can dispute late payments with the CFPB and have them deleted forever POV: Creditors know you can dispute late payments with the CFPB and have them deleted forever"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7243449691889880363) 2023-06-11T15:24Z 338.9K followers, 10.7K engagements
"How much credit score do you need to finance a Tesla #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #money Tesla does not state a minimum credit score for financing. You don't need to have 700+ credit score to get one Make sure you don't have late payments within the last [--] days Tesla without a [---] credit socre Tesla does not state a minimum credit score for financing. You don't need to have 700+ credit score to get one Make sure you don't have late payments within the last [--] days Tesla without a [---] credit socre"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7244329993428274474) 2023-06-14T00:20Z 431.3K followers, 30.2K engagements
"Debt collectors hate me #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Debt Collectors will hate me for this 🥲 Ask a debt collector to do this Debt Collectors will hate me for this 🥲 Ask a debt collector to do this"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7246755829960035627) 2023-06-20T13:14Z 398.7K followers, 36.2K engagements
"Dispute and remove negative items on your credit report #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Major major credit tip Listen up 👍 FCRA. Major major credit tip Listen up 👍 FCRA"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7249431395808857386) 2023-06-27T18:16Z 398.7K followers, [----] engagements
"I need you to fi this asap #creditrepair #creditrestoration"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7250194436448275758) 2023-06-29T19:37Z 245.3K followers, [----] engagements
"Portfolio Recovery Associates #creditrepair #money"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7251301514386476331) 2023-07-02T19:13Z 245.3K followers, 13.2K engagements
"Do this when a repo man is on your property #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #credittips #money"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7253076629767851310) 2023-07-07T14:02Z 245.3K followers, 28.8K engagements
"Never ever do this with a debt collector #creditrepair #creditrestoration #finance #creditcard #creditscore #creditrepairspecialist Never Ever And I mean Never agree to settle Never Ever And I mean Never agree to settle"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7253170783822892331) 2023-07-07T20:07Z 498.7K followers, 50.2K engagements
"Can they do this #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist You need to know this You need to know this"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7254238446833683754) 2023-07-10T17:10Z 497.6K followers, [----] engagements
"How to delete medical collections using HIPAA law #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist I can confirm medical collection agencies hate me. 😂 Use this letter if you have medical collections from: I.C Systems National Service Bureau First Federal Credit Hipaa law dispute letter 🏆✅ Put medical collections behind you. I can confirm medical collection agencies hate me. 😂 Use this letter if you have medical collections from: I.C Systems National Service Bureau First Federal Credit Hipaa law dispute letter 🏆✅ Put medical collections"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7256082242533952811) 2023-07-15T16:25Z 323.3K followers, [----] engagements
"That Gucci bag #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist Me watching people spend $4000 on a Gucci bag when they could have invested it towards building their credit Good credit is very important for your well being Me watching people spend $4000 on a Gucci bag when they could have invested it towards building their credit Good credit is very important for your well being"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7256959424730877230) 2023-07-18T01:09Z 398.7K followers, [----] engagements
"Kovo Credit Builder boost your credit score in [--] days #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist How to boost your credit score 30-100pts in [--] days 🚀🚀🚀 How to boost your credit score 30-100pts in [--] days 🚀🚀🚀"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7258296395008888110) 2023-07-21T15:37Z 275.1K followers, 14.5K engagements
"How to build your credit fast If you've been affected by portfolio Recovery Associates collections. Do this asap to build credit again 👍 #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7258378454029045038) 2023-07-21T20:55Z 245.2K followers, 12.4K engagements
"Can I sue the credit bureaus #creditrepair #money How to sue the credit bureaus like Experian Equifax Transunion Credit Tip 💯 How to sue the credit bureaus like Experian Equifax Transunion Credit Tip 💯"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7260198487684336939) 2023-07-26T18:38Z 317.5K followers, [----] engagements
"If you want to remove portfolio Recovery Associates collections. Do this #creditrepair #debt"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7260650063452523818) 2023-07-27T23:50Z 245.3K followers, [----] engagements
"How to have collection agencies stop calling you #creditrepair #debt Collection agency tip 💯 How to have collection agencies like Portfolio Recovery Associates to stop harrasing you Collection agency tip 💯 How to have collection agencies like Portfolio Recovery Associates to stop harrasing you"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7260931915857972526) 2023-07-28T18:04Z 285.5K followers, 24.7K engagements
"The silver way to delete a capital one late payment #creditrepair #debt #creditcard How to remove Capital One late payments the simple way How to remove Capital One late payments the simple way"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7261998887433522474) 2023-07-31T15:04Z 462K followers, 21.7K engagements
"Repossession tip you didn't know #creditrepair #debt #money 99% of you don't know this about a repossession and how it can become illegal Breaching the peace allows your to sue the lenders for these practices 99% of you don't know this about a repossession and how it can become illegal Breaching the peace allows your to sue the lenders for these practices"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7264962504768523566) 2023-08-08T14:45Z 487.5K followers, 42.2K engagements
"The smart way to dispute #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #credittips #money #debt Don't dispute online with the credit bureaus. Instead mail smart AI powered dispute letters AiCreditDisputer.com You have been notified Don't dispute online with the credit bureaus. Instead mail smart AI powered dispute letters AiCreditDisputer.com You have been notified"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7265436356619291947) 2023-08-09T21:23Z 490.7K followers, 14.5K engagements
"How to handle collection agencies in the USA. Portfolio Recovery Associates lvnv Midland Jefferson Capital #creditrepair #debt #money"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7266462309583801646) 2023-08-12T15:45Z 245.3K followers, 21K engagements
"The easiest way to build business credit #creditrepair #businesscredit #money #debt The easiest way to build business credit is finally here Visit my page for full perks The easiest way to build business credit is finally here Visit my page for full perks"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7267289647552662827) 2023-08-14T21:15Z 491.7K followers, [----] engagements
"Bankruptcy inaccuracies account removal #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist You can sue the credit bureaus if your bankruptcy related accounts are inaccurate ✅ You can sue the credit bureaus if your bankruptcy related accounts are inaccurate ✅"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7267636455927991598) 2023-08-15T19:41Z 431.3K followers, [----] engagements
"How to handle lvnv funding #creditrepair #money Three recommended questions to ask LVNV Funding when they call you 1-Can you provide validation of the debt Under the Fair Debt Collection Practices Act (FDCPA) you have the right to request validation of any debt a collector says you owe. This validation should include the amount of the debt the name of the creditor and a breakdown of the charges. 2- Are you willing to negotiate a settlement You can ask the debt collector if they are willing to settle for a lower amount or agree to a payment plan. Get any potential settlement offer in writing"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7268360054821162283) 2023-08-17T18:29Z 462K followers, [----] engagements
"Dispute with Experian without sending letters #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist How to dispute with Experian without sending dispute letters Listen till the end How to dispute with Experian without sending dispute letters Listen till the end"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7269843490014629166) 2023-08-21T18:26Z 491.6K followers, 21.1K engagements
"Average FICO Credit Score in America Generation Z Millennials Generation X Baby Boomers Silent Generation [---] [---] [---] [---] [---] Average FICO Credit Score per generation Generation Z Millennials Generation X Baby Boomers Silent Generation [---] [---] [---] [---] [---] Average FICO Credit Score per generation"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7272396278456241450) 2023-08-28T15:32Z 323.3K followers, [----] engagements
"Portfolio Recovery Associates / Midland Credit collection dispute If you have a Portfolio Recovery Associates / Midland Credit collection Do this asap 🔴 Very effective way to dispute If you have a Portfolio Recovery Associates / Midland Credit collection Do this asap 🔴 Very effective way to dispute"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7273859622283365675) 2023-09-01T14:10Z 310.9K followers, 106.3K engagements
"Send this dispute letter to Midland Credit to dispute a collection"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7273912747790765355) 2023-09-01T17:36Z 245.3K followers, 17.5K engagements
"Dispute Capital One late payments using the cfpb Dispute Capital One late payments with the CFPB 🔴 This works🔻might take several tries I have disputed [--] late payments with Capital One as shown in my attached dispute letter. These payments were all initiated before the due dates in [----] but posted late due to USPS delays. Capital One has failed to correct the errors after my dispute. The incorrect late payments should be removed from my credit report Dispute Capital One late payments with the CFPB 🔴 This works🔻might take several tries I have disputed [--] late payments with Capital One as"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7274613364356238638) 2023-09-03T14:55Z 338.9K followers, 11.1K engagements
"If you have a collection agency calling you. Do this asap 👍 How do you stop further debt collectors activity Ask them this question 🔴 This is how you'll have the upper hand 😂👍 How do you stop further debt collectors activity Ask them this question 🔴 This is how you'll have the upper hand 😂👍"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7275457946107202862) 2023-09-05T21:32Z 398.7K followers, [----] engagements
"Here is what you should say when portfolio Recovery Associates fails to validate your debt #creditrepair"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7276604004333964590) 2023-09-08T23:40Z 236.1K followers, 11.7K engagements
"Don't ever pay a collection #creditrepair Do not I REPEAT DO NOT Pay collection agencies Very important Do not I REPEAT DO NOT Pay collection agencies Very important"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7277605157574135086) 2023-09-11T16:25Z 283.7K followers, 49K engagements
"When to send a final third party debt validation letter. This works for portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital #creditrepair"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7277928912888302890) 2023-09-12T13:21Z 236.1K followers, [----] engagements
"Portfolio Recovery Associates and how to respond to debt validation failure #creditrepair Portfolio Recovery Associates failing to validate Here is what you should send Portfolio Recovery Associates failing to validate Here is what you should send"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7277953961473133870) 2023-09-12T14:58Z 491.6K followers, [----] engagements
"Yes this works when removing negative items on your credit report. Every credit profile is diff so results will vary. #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #credittips #money Congressional Finding under FCRA LAW allows you to permanently remove any negative item that is affecting your credit score Using ADJUDICATION DISPUTE METHODS you can remove: Collections Charge-Offs Medical Bills Student loans Repossession Bankruptcy Say "METHOD" if you need this Congressional Finding under FCRA LAW allows you to permanently"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7278349149165374766) 2023-09-13T16:32Z 491.7K followers, [----] engagements
"Risk with poor credit #creditrepair What do you miss out on if you have bad credit🔴🔴🔴 Is it time for your to fix your credit What do you miss out on if you have bad credit🔴🔴🔴 Is it time for your to fix your credit"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7278386330277661994) 2023-09-13T18:56Z 462K followers, [----] engagements
"Medical collections and bills. Yes they can be removed. Mssg me if you have any questions #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #credittips #money"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7278700529323101486) 2023-09-14T15:15Z 245.2K followers, [----] engagements
"Capital One Late Payments Deleted #creditrepair Capital One late payments are the easiest to dispute and delete Listen carefully Capital One late payments are the easiest to dispute and delete Listen carefully"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7280970579149131050) 2023-09-20T18:04Z 462K followers, 41.9K engagements
"Pay Attention #creditrepair #debt Pay Attention That's why you always have to challenge debt validation ❌❌❌ Pay Attention That's why you always have to challenge debt validation ❌❌❌"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7281305494302510378) 2023-09-21T15:44Z 491.7K followers, 43.8K engagements
"Time to reconsider daily coffee Some people will spend $5 a DAY on coffee That's $155 a month That's $1860 a year That's $18000+ in [--] years Some people will spend $5 a DAY on coffee That's $155 a month That's $1860 a year That's $18000+ in [--] years"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7282081937974627627) 2023-09-23T17:57Z 462K followers, 98.8K engagements
"Bankruptcy discharged or dismissed you may get compensated"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7283207622570954027) 2023-09-26T18:45Z 236.1K followers, [----] engagements
"Replying to @hey_amyxo leaving court summons at your door #creditrepair"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7283263319325084970) 2023-09-26T22:21Z 310.9K followers, [----] engagements
"What happens when you pay a collection #creditrepair"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7283928856820550954) 2023-09-28T17:24Z 245.3K followers, 22.3K engagements
"Did you know #credit #debt #usa_tiktok"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7284586025505017130) 2023-09-30T11:54Z 236.1K followers, [----] engagements
"Yes this is true #creditrepair #debt #usa_tiktok COLLECTION AGENCY SECRETS This works for collection agencies like: Portfolio Recovery Associates LVNV Funding Midland Credit Jefferson Capital IC SYSTEMS For all the debt collectors who troll my account 😂 You do not have to pay a debt back if.contract states it. COLLECTION AGENCY SECRETS This works for collection agencies like: Portfolio Recovery Associates LVNV Funding Midland Credit Jefferson Capital IC SYSTEMS For all the debt collectors who troll my account 😂 You do not have to pay a debt back if.contract states it"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7285350824274955563) 2023-10-02T13:22Z 398.7K followers, 84.3K engagements
"5 best credit unions to use #debt [--]. Best for Military members: Navy Federal [--]. Best for APY: Consumers Credit Union [--]. Best overall: Alliant Credit Union [--]. Best for rewards credit cards: PenFed "Best Credit Unions"👍 [--]. Best for low interest: First Tech Federal Credit Union [--]. Best for Military members: Navy Federal [--]. Best for APY: Consumers Credit Union [--]. Best overall: Alliant Credit Union [--]. Best for rewards credit cards: PenFed "Best Credit Unions"👍 [--]. Best for low interest: First Tech Federal Credit Union"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7285773017441979694) 2023-10-03T16:40Z 397.2K followers, [----] engagements
"Louisiana Statute of Limitations #creditrepair Louisiana Statute Of Limitations 💳🙄 Louisiana Statute Of Limitations 💳🙄"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7286148723086871850) 2023-10-04T16:58Z 323.3K followers, [----] engagements
"Payment history and Credit usage #creditrepair"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7286465388471209259) 2023-10-05T13:27Z 245.3K followers, [----] engagements
"Three Terrible Banks to avoid #money Three Terrible Banks you should never bank with 🏦 Avoid Three Terrible Banks you should never bank with 🏦 Avoid"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7286517164822105386) 2023-10-05T16:48Z 498.5K followers, 155.4K engagements
"Fannie Mae 5% down multifamily Fannie Mae is giving you a $100000 discount Anyone can purchase multifamily homes now This is a GOLDEN OPPORTUNITY Fannie Mae is giving you a $100000 discount Anyone can purchase multifamily homes now This is a GOLDEN OPPORTUNITY"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7286829640172244267) 2023-10-06T13:01Z 462K followers, [----] engagements
"How long can you legally be chased for a debt How long can you legally be chased for a debt Don't ever make the mistake of paying on expired debts Debt collectors can't sue you anymore when. How long can you legally be chased for a debt Don't ever make the mistake of paying on expired debts Debt collectors can't sue you anymore when"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7286888176088517931) 2023-10-06T16:48Z 489.2K followers, 1.1M engagements
"Never deposit money with these Banks Never deposit your money with these banks Last one is a shocker Avoid Never deposit your money with these banks Last one is a shocker Avoid"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7288073836837309738) 2023-10-09T21:29Z 497.7K followers, 444.7K engagements
"The credit dit bureaus shouldn't do this Why does the credit bureaus punish consumers for [--] years I think it's unfair Why does the credit bureaus punish consumers for [--] years I think it's unfair"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7288488433704635690) 2023-10-11T00:17Z 493.8K followers, 14.7K engagements
"Letter to dispute late payments Use this letter to dispute credit card late payments State you have been wrongfully billed According to the Fair Credit Billing Act (FCBA) [--] U.S.C. 1666(b) creditors only have a right to report negative information for [--] days after sending a valid notice of billing error. I have not received any such notice from this creditor regarding these late payments they are currently reporting. As there is no evidence I received notice of these billing errors within the allotted timeframe under the FCBA this creditor has no legal right to continue reporting these late"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7291040813386353966) 2023-10-17T21:22Z 497.6K followers, 13.3K engagements
"Best bank in the USA Do you agree Disagree Is this best bank in the USA Anyone has issues Do you agree Disagree Is this best bank in the USA Anyone has issues"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7291386707818171691) 2023-10-18T19:44Z 491K followers, [----] engagements
"Charge off on my credit which is a complete loss to the lender Creditor complete loss on a debt How to remove the charge off Do you own the debt To Whom It May Concern: I am writing to dispute an inaccurate and unverified charge-off on my credit report. The following account is showing as a charge-off on my credit reports with your bureau: Account Name: Name of Creditor Account Number: Account number This debt is inaccurately reported as a charge-off. I am disputing this under the Fair Credit Reporting Act [--] U.S.C. 1681a(f) which states that a consumer has the right to dispute incomplete or"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7293534656828296494) 2023-10-24T14:39Z 478.7K followers, 19.6K engagements
"How to dispute a collection with Portfolio Recovery Associates. What to say and how to handle it"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7293987316824083754) 2023-10-25T19:56Z 431.3K followers, 520.6K engagements
"Dispute collections with [--] USC 1692g and what it is. [--] USC 1692g refers to a section of the Fair Debt Collection Practices Act (FDCPA) that requires debt collectors to send consumers a written validation notice about the debt within [--] days of initial contact. Specifically [--] USC 1692g states that the written notice must contain: - The amount of the debt - The name of the creditor to whom the debt is owed - A statement that unless the consumer disputes the validity of the debt within [--] days the debt collector will assume the debt is valid - A statement that if the consumer does dispute the"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7294688361279868206) 2023-10-27T17:16Z 281.8K followers, 10.4K engagements
"Your [----] Resolution should be excellent credit. Let's go Don't waste more time MSG "800" to start with my $2 down credit repair program Your [----] Resolution is: Excellent Credit Remove the following: Collections Charge-Offs Medical Bills Late Payments Hard Inquiries Bankruptcy Child Support Don't waste more time MSG "800" to start with my $2 down credit repair program Your [----] Resolution is: Excellent Credit Remove the following: Collections Charge-Offs Medical Bills Late Payments Hard Inquiries Bankruptcy Child Support"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7296490030212681003) 2023-11-01T13:48Z 487.1K followers, 11.4K engagements
"Be careful of zombie debts Credit Tip 💯 Zombie debts and collections and why you should be aware Wait for the statute of limitations Credit Tip 💯 Zombie debts and collections and why you should be aware Wait for the statute of limitations"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7299568450354171178) 2023-11-09T20:54Z 308.8K followers, 53.2K engagements
"If you are a bank of America customer you need to check your credit Check your credit reports immediately for reported false information If you have BANK OF AMERICA The CFPB just fined BOA $12000000 for sending false information to the credit bureaus Check your credit reports immediately for reported false information If you have BANK OF AMERICA The CFPB just fined BOA $12000000 for sending false information to the credit bureaus"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7309542685805776170) 2023-12-06T17:59Z 497.8K followers, 17.4K engagements
"Credit repair in [----] Fix your credit and remove all negative items #1 Goal for you in [----] should be: You can use this code to dispute anything on your credit [--] USC 1681i Fix your credit and remove all negative items #1 Goal for you in [----] should be: You can use this code to dispute anything on your credit [--] USC 1681i"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7311389568819940654) 2023-12-11T17:26Z 251.7K followers, 28.6K engagements
"Open status on a collection account Beware of collection accounts reporting as "OPEN" Credit Tip 💯 Open status for collections is an inaccurate reporting. Should say either CLOSED or SOLD. You can get it disputed and deleted Beware of collection accounts reporting as "OPEN" Credit Tip 💯 Open status for collections is an inaccurate reporting. Should say either CLOSED or SOLD. You can get it disputed and deleted"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7317290783852514606) 2023-12-27T15:05Z 317.5K followers, 59.8K engagements
"Collections with one month term Credit Tip 💯 Collection accounts reporting as "ONE MONTH TERM" This is a factual error Dispute and delete Purchased debt have no terms or agreement. Collection accounts should not have one month terms Credit Tip 💯 Collection accounts reporting as "ONE MONTH TERM" This is a factual error Dispute and delete Purchased debt have no terms or agreement. Collection accounts should not have one month terms"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7317677996276632878) 2023-12-28T16:08Z 308.8K followers, 21.7K engagements
"Collection accounts marked as late How can this be Collection accounts are not like the original creditor accounts. You did not open an account with the collection agency Dispute to get them deleted Accounts reporting as "120 days late" Collection Hack💯 How can this be Collection accounts are not like the original creditor accounts. You did not open an account with the collection agency Dispute to get them deleted Accounts reporting as "120 days late" Collection Hack💯"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7319135541524696366) 2024-01-01T14:24Z 489.1K followers, 38.4K engagements
"Equifax loophole with late payments Equifax loophole 💯 Payment status incomplete Equifax does this and worse when there is no payment history to support the payment status. It is an incomplete record and MUST BE DELETED Dispute the account status VERY IMPORTANT Equifax loophole 💯 Payment status incomplete Equifax does this and worse when there is no payment history to support the payment status. It is an incomplete record and MUST BE DELETED Dispute the account status VERY IMPORTANT"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7320299395705015594) 2024-01-04T17:40Z 431.3K followers, 15.1K engagements
"Do not verify anything with a collection agency Do not ever verify anything with a collection agency Credit Tip💯 Portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital Do not ever verify anything with a collection agency Credit Tip💯 Portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7328025749297073454) 2024-01-25T13:22Z 493.6K followers, 270.6K engagements
"Portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital in the state of NY Collection Tip 💯 If you have collections from Portfolio Recovery Associates Midland Credit Jefferson Capital LVNV FUNDING And you in the state of NY Statute of limitations for debt collections is [--] years. This means after [--] years from the last payment made the collection agency can no longer sue you for the debt Collection Tip 💯 If you have collections from Portfolio Recovery Associates Midland Credit Jefferson Capital LVNV FUNDING And you in the state of NY Statute of limitations for debt"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7329240124233927978) 2024-01-28T19:55Z 488.9K followers, 18K engagements
"3 credit building tools [--]. KOVO 2.SELF [--]. CHIME [--] credit building tools you should use [--]. KOVO 2.SELF [--]. CHIME [--] credit building tools you should use"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7330744581471948075) 2024-02-01T21:13Z 498.5K followers, 16.7K engagements
"Portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital in the state of Pennsylvania Collection Tip 💯 If you have collections from Portfolio Recovery Associates LVNV FUNDING Midland Credit Jefferson Capital And you are in the state of Pennsylvania Statute of limitations for debt collections is [--] years. This means after [--] years from the last payment made the collection agency can no longer sue you for the debt Collection Tip 💯 If you have collections from Portfolio Recovery Associates LVNV FUNDING Midland Credit Jefferson Capital And you are in the state of Pennsylvania"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7331018212403875114) 2024-02-02T14:55Z 499K followers, 16.1K engagements
"Collection accounts with inaccurate balances Collection Tip 💯 If you have a collection from Portfolio Recovery Associates Midland Credit Jefferson Capital LVNV FUNDING And your accounts are reported with incorrect balance You can dispute it and get it removed using [--] USC 1692g. Collection Tip 💯 If you have a collection from Portfolio Recovery Associates Midland Credit Jefferson Capital LVNV FUNDING And your accounts are reported with incorrect balance You can dispute it and get it removed using [--] USC 1692g"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7334763490579647787) 2024-02-12T17:09Z 282.5K followers, 26.2K engagements
"charge-offs are income. Congress says no income can be reported on your Consumer Credit reports. go read it on [--] USC [----] Charge-off as income. Income cannot be reported on your consumer credit report Credit Tip 💯 Charge-off as income. Income cannot be reported on your consumer credit report Credit Tip 💯"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7342534299226295595) 2024-03-04T15:43Z 398.7K followers, 35.4K engagements
"Diversified Credit mix by having different types of credit accounts you can benefit your scores by demonstrating your ability to manage credit products responsibly. Rental Kharma can help offset the impact of negative items. Improving your credit and credit worthing by reporting your housing RENT This is 👑 Improving your credit and credit worthing by reporting your housing RENT This is 👑"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7344114330461310250) 2024-03-08T21:54Z 490.8K followers, 33K engagements
"helps you create more effective disputes. through proof of concept dedication to Innovation on unwavering commitment to community credit dispute Purpose Driven Vision has come to flirtation. groundbreaking artificial intelligence designed to help consumers improve their credit reports There is multiple ways for consumers to dispute all negative items on their credit. Which do you prefer 100% Customized dispute letters with a credit specialist Ai Credit Disputer Vs What would you use There is multiple ways for consumers to dispute all negative items on their credit. Which do you prefer 100%"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7345575189733707050) 2024-03-12T20:23Z 494.6K followers, 10.4K engagements
"What is the difference between a closing date and a due date The closing date is the last day in a billing cycle and the due date is when a payment is due on your credit card usually about one month after the closing date. As an example if your closing date is June [--] [----] your credit card statement may arrive on June [--] [----]. The statement could show a payment due date of July [--] [----]. Statement closing date The statement" closing date is sometimes used to describe the closing date of your billing cycle. The term may be different but the concept is the same. This is the final day of a billing"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7346575239930727722) 2024-03-15T13:04Z 462K followers, 105.1K engagements
"fraud protection - credit cards generally offer better fraud protection policies than debit cards. if your credit card is stolen and fraudulent charges occur you have stronger liability protections under federal law compared to a debit card link to your bank account. using a credit card responsibly and paying it off monthly helps build your credit score over time. debit cards do not report to the credit bureaus Debit cards vs Credit Cards Listen up on why you should always use your credit cards and not your debit cards Debit cards vs Credit Cards Listen up on why you should always use your"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7347690186265939246) 2024-03-18T13:11Z 490.5K followers, 46.9K engagements
"These collection agencies can literally sue you Collection agencies that can sue you if you do not force them to validate the debt Collection Tip 💯 - Portfolio Recovery Associates - Midland Credit Management - LVNV Funding - Jefferson Capital Always challenge the debt by using a 1692g Collection agencies that can sue you if you do not force them to validate the debt Collection Tip 💯 - Portfolio Recovery Associates - Midland Credit Management - LVNV Funding - Jefferson Capital Always challenge the debt by using a 1692g"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7350681550842826027) 2024-03-26T14:38Z 310.9K followers, 201.3K engagements
"Which super car option would you choose Renting or Buying Which is better Supercars Tip 🚗 Renting or Buying Which is better Supercars Tip 🚗"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7351067887043497258) 2024-03-27T15:38Z 310.9K followers, [----] engagements
"inform them that you know your fdcpa rights and their threats are illegal. debt collectors cannot threaten you with jail time for not paying a civil debt. these debts can be credit card debts medical bills or personal loans. A debt collector is threatening you with jail time if you don't pay your debt Collection Tip 💯 Midland Credit Management does this occasionally A debt collector is threatening you with jail time if you don't pay your debt Collection Tip 💯 Midland Credit Management does this occasionally"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7351805971049663790) 2024-03-29T15:22Z 489.1K followers, 15.5K engagements
"Massive benefits starting your own business #businesscredit You should not buy things under your personal credit Credit Tip Do this instead [--]. Create an LLC /Corp with a low risk Name [--]. Setup your EIN and apply for No DOC funding [--]. Get funded and run everything through your business [--]. Invest your profits back into the business write off expenses ask for more funding This is how the wealthy do it. If you need help let me know You should not buy things under your personal credit Credit Tip Do this instead [--]. Create an LLC /Corp with a low risk Name [--]. Setup your EIN and apply for No DOC"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7352551788207377710) 2024-03-31T15:36Z 462K followers, 24.4K engagements
"What codes to use when disputing to remove negative items on your credit What codes to dispute with to remove negative items on your credit Credit Tip 💯 Inquiries: [--] USC 1681i Charge-Offs: [--] USC CODE 1681S-2 Collections: [--] USC 1692g Student loans: [--] USC 1681C-2 Bankruptcy: Lexisnexis dispute Dispute with all [--] bureaus What codes to dispute with to remove negative items on your credit Credit Tip 💯 Inquiries: [--] USC 1681i Charge-Offs: [--] USC CODE 1681S-2 Collections: [--] USC 1692g Student loans: [--] USC 1681C-2 Bankruptcy: Lexisnexis dispute Dispute with all [--] bureaus"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7352634015893130542) 2024-03-31T20:55Z 493.5K followers, 25.8K engagements
"Does Tesla have their own financing Tesla doesn't have a minimum credit score requirement for financing. You just need to provide proof of income and employment Are you buying Tesla Tesla offera their own financing which is much more competitive than other banks Tesla doesn't have a minimum credit score requirement for financing. You just need to provide proof of income and employment Are you buying Tesla Tesla offera their own financing which is much more competitive than other banks"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7354856344232430894) 2024-04-06T20:39Z 267.6K followers, 412.2K engagements
"TESLA has a no minimum credit score requirement. Of course with better scores you get better APR. Maybe it's time to get a cyber truck"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7355862367357504811) 2024-04-09T13:43Z 494.5K followers, 53.5K engagements
"This will drive them crazy It works for Portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital and any other collection debt agency 👍 If you have a hard time with Portfolio Recovery Associates lvnv funding Midland Credit Management Collection Tip 👍 To get them off your back ask the for the 'CANCELATION OF DEBT' and they won't be able to provide it 99% of the time they don't have this document If you have a hard time with Portfolio Recovery Associates lvnv funding Midland Credit Management Collection Tip 👍 To get them off your back ask the for the 'CANCELATION OF DEBT'"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7361847002549734699) 2024-04-25T16:46Z 316.2K followers, 64.3K engagements
"Myth and truth when it comes to debt collectors Can a debt collector call you at work Can a debt collector garnish your wages Very important 📌 Not even portfolio Recovery Associates has the authority to do aby of those DM or Comment '800' for credit repair Can a debt collector call you at work Can a debt collector garnish your wages Very important 📌 Not even portfolio Recovery Associates has the authority to do aby of those DM or Comment '800' for credit repair"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7363022615218310442) 2024-04-28T20:48Z 489.2K followers, 18.1K engagements
"Follow for more credit tips ✅ We should not let the credit bureaus do what they do. They are incredibly deceptive keeping negative data about us and profiting off our misery. Experian Transunion Equifax are all on it. I personally think it's time for the system to change and hold these guys accountable. If you need help with your credit let me know. Exposing the credit bureaus These bureaus are known to have deceptive practices Exposing the credit bureaus These bureaus are known to have deceptive practices"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7367716515782626602) 2024-05-11T12:23Z 323.3K followers, [----] engagements
"If you have collections from Portfolio Recovery associates Midland credit management lvnv funding Jefferson capital. Do this ASAP Debt validation and how you don't have to pay a debt when the collection agency fails to validate If only you knew this before you had to settle with debt agents blindly Debt validation and how you don't have to pay a debt when the collection agency fails to validate If only you knew this before you had to settle with debt agents blindly"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7370712584556956974) 2024-05-19T14:09Z 398.7K followers, 20.6K engagements
"if you have a collection agency and the collection agency have failed to validate the debt you no longer owe them anything and the reason why they cannot provide enough proof that this that is yours. so if you have collections from Portfolio Recovery associates Midland credit Jefferson capital lvnv make sure you ask them to validate the debt and provide you with the purchase agreement. Pay attention. You probably do not owe collection agencies anything This might invalidate your debt and you don't have to pay Pay attention. You probably do not owe collection agencies anything This might"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7371443818975055146) 2024-05-21T13:27Z 490.8K followers, 34.1K engagements
"DM [---] for credit help I'm still trying to figure out why a country with [--] trillion in debt is trying to give me a credit score Do you have the same question Why we have every single credit issue recorded with the credit bureaus I'm still trying to figure out why a country with [--] trillion in debt is trying to give me a credit score Do you have the same question Why we have every single credit issue recorded with the credit bureaus"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7374058205237759278) 2024-05-28T14:32Z 314.2K followers, 30.5K engagements
"Tesla is offering their own financing with competitive rates. All you need is proof of income Just got off the phone with a Tesla sales rep Tesla is offering 0.99% APR on all brand new Model Y. Tesla doesn't have a minimum credit score requirement for financing. You just need to provide proof of income Tesla financing is much more competitive than other mainstream banks Are you getting a Tesla Just got off the phone with a Tesla sales rep Tesla is offering 0.99% APR on all brand new Model Y. Tesla doesn't have a minimum credit score requirement for financing. You just need to provide proof of"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7374434396255849770) 2024-05-29T14:51Z 431.3K followers, 24.9K engagements
"if a collection agency calls you do not share any information that will help them validate that for you. save this video and memorize what I'm going to say. this video will help you whenever a collection agency calls you. if you need help with your credit let me know If a collection agency calls you. Here is how you should respond Save this video and save what I am going to say If a collection agency calls you. Here is how you should respond Save this video and save what I am going to say"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7383042539034627370) 2024-06-21T19:35Z 497.9K followers, 64K engagements
"if the debt collector is collecting a debt related to Consumer Financial product or service as defined in section [------] f the name of the Creditor to whom the debt was owed on the itemization that. if they fail to validate you don't owe that since they failed to prove that that is yours DON'T EVER PAY COLLECTIONS Let me explain why If a collection agency CANNOT provide you with: - name of the creditor - amount you owe - date you entered into financial agreement - your right to dispute the debt - purchase agreement YOU DON'T OWE THEM A DEBT cause they failed to prove the debt is yours Dispute"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7388312338757274926) 2024-07-06T00:25Z 315K followers, 85.7K engagements
"If you collections From Portfolio Recovery associates Midland credit management lvnv funding Jefferson capital. Do this to save yourself The #1 Mistake People Do Don't allow collection agencies do this to you The #1 Mistake People Do Don't allow collection agencies do this to you"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7388894188764417326) 2024-07-07T14:03Z 285.5K followers, 459.6K engagements
"Uber and Lyft driver secure $32.50 an hour minimum wage in massachusetts. the companies agree to adopt an hourly minimum pay standard for Massachusetts drivers and pay $175 million to settle a loss with by the state attorney general and Legend the improperly treated drivers as independent contractors who can legally receive lower compensation than employees. Uber and Lyft Drivers are getting paid $32.50 now as a minimum wage Drivers now are getting better pay than teachers No more independent contractors Uber and Lyft Drivers are getting paid $32.50 now as a minimum wage Drivers now are"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7389326711013281070) 2024-07-08T18:01Z 497.4K followers, 24K engagements
"so you've worked to put it together sent a certified mail and Experian has ignored your credit report dispute leaving you frustrated and unsure of what to do next. don't worry there are several steps you can take to make sure you're dispute gets the attention it deserves. this would work not only with Experian but every other credit bureau out there you just need to know how to follow the right steps to get these negative items removed Ignored Credit Report Dispute with Experian Learn how to fight back and win Save for later 📌 Ignored Credit Report Dispute with Experian Learn how to fight"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7391878048850775338) 2024-07-15T15:02Z 493.6K followers, 12.5K engagements
"if you have a collection with Portfolio Recovery Associates and they are calling you non-stop to the point that it has become annoying and frustrating this is what you need to do to take care of this issue. you need help with your credit let me know How do I deal with Portfolio Recovery Associates and have them stop calling me. I also want to take them to court Collection Tip 📌 Save for later How do I deal with Portfolio Recovery Associates and have them stop calling me. I also want to take them to court Collection Tip 📌 Save for later"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7398226909340962090) 2024-08-01T17:39Z 462K followers, [----] engagements
"the credit time clock is a powerful force in shaping your credit profile. by understanding how time affects your credit score you can make informed decisions and develop strategies to improve your credit worthiness. remember good credit habits combined with patients can lead to significant improvements over time. whether you're recovering from past credit mistakes or building credit from scratch keep the credit time clock in mind. with consistent effort and the passage of time you can achieve the credit score you desire and unlock better Financial opportunities The Credit Time Clock:"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7400774832016723246) 2024-08-08T14:26Z 462K followers, [----] engagements
"Don't do this mistake #creditrepair Collections agencies do not pay the original creditors when a debt has been charged off Your original business is not with the collection agency What should you do Collections agencies do not pay the original creditors when a debt has been charged off Your original business is not with the collection agency What should you do"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7403033979357777198) 2024-08-14T16:32Z 397.2K followers, 632.9K engagements
"The Brief A hacking group called USDoD claims to have stolen [---] billion records of personal information from Americans including their Social Security numbers and physical addresses. USDoD offered to sell the stolen records which included personal data for everyone in the US UK and Canada to a forum of hackers. The data was stolen from National Public Data a platform that offers personal information to employers private investigators staffing agencies and others doing background checks. [---] Billion accounts hacked Every American's Social Security number address may have been stolen in this"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7403350600571948334) 2024-08-15T13:01Z 310.9K followers, 109.1K engagements
"only legal the right to that validation is provided by the fair debt collection practices act the fdcpa a federal law that protects consumers from abusive debt collection practices. you have [--] days from the first Contact by debt collector to request that validation in writing. what you need to request for is name and address of the original creditor I'm on to the debt proof that the collection agency has the right to collect the debt any judgments obtained proof the debt hasn't passed the statute of limitations How to Legally Challenge Collection Agencies and Protect your Rights This is how"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7404898196033490218) 2024-08-19T17:07Z 498.6K followers, 13.2K engagements
"I wrote lyrics. Can someone out there rap #creditrepair #hiphop "What's the Point of That Credit Score Anyway" Verse 1: They tell us to keep that credit score so high But what good will it do when the economy's in a tie When the jobs dry up and the banks all go under That magical number won't stop you from going six feet under. Chorus: Your credit score your credit score What's the use of it anymore When the system comes crashing down That number won't keep a roof over your head in town. Verse 2: They say pay your bills on time don't ever be late But when hyperinflation's the new state That"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7405592679595232554) 2024-08-21T14:01Z 310.9K followers, [----] engagements
"If you have collections from Portfolio Recovery associates Midland credit management lvnv funding Jefferson capital or any other collection agency. Listen up. #creditrepair Collection Tip 💯 What happens if the collection agency fails to validate my debt If they fail to validate your debt the collection agency can no longer force your to pay the debt nor take you to court. They should also remove it off your credit report per the FDCPA DM [---] to delete collections Collection Tip 💯 What happens if the collection agency fails to validate my debt If they fail to validate your debt the"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7405623104350866731) 2024-08-21T16:00Z 310.9K followers, 32.1K engagements
"When debt collectors fail to validate documents you ask them for. You don't owe them anything #creditrepair I asked a debt collector for these [--] documents [--]. Name of the original creditor [--]. Proof collection agency has the right to collect the t [--]. Proof of debt hasn't passed the statute of limitations [--]. Last payment received on the claimed account Now my client doesn't owe them any money cause they failed to provide [--] of these documents DM [---] for credit help I asked a debt collector for these [--] documents [--]. Name of the original creditor [--]. Proof collection agency has the right to collect"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7406341522171366698) 2024-08-23T14:27Z 308.8K followers, 119.8K engagements
"The FDCPA prohibits debt collectors from contacting consumers at times known to be inconvenient which is generally considered to be before [--] AM or after [--] PM local time. Contacting a consumer after [--] PM is typically a violation of the FDCPA unless the consumer has explicitly given permission to be contacted during those hours. Some key points about this type of violation: [--]. It's considered harassment and an unfair practice under the FDCPA. [--]. Consumers have the right to sue debt collectors who violate this rule. [--]. Damages can be awarded for actual financial losses statutory damages up to"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7409335323202899246) 2024-08-31T16:05Z 308.8K followers, 15.6K engagements
"Should you finance a car with bad credit #creditrepair #carfinance Should you finance a car with bad credit Or lease What to do How to approach What's the alternative Should you finance a car with bad credit Or lease What to do How to approach What's the alternative"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7409668050162568490) 2024-09-01T13:36Z 308.8K followers, [----] engagements
"3 credit cards if you have bad credit #creditrepair [--] Credit Cards you can get even if your credit score is trashed DM [---] for credit fix [--] Credit Cards you can get even if your credit score is trashed DM [---] for credit fix"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7412349648960048426) 2024-09-08T19:02Z 308.8K followers, 31.2K engagements
"I'd you have late payments from Capital One Chase Wells Fargo American Express Bank of America. Use this method to delete them Late payment Tip 💯 If you have late payments from Capital One Chase Wells Fargo American Express Bank of America This is how you will delete them: Dispute the CMI of your Dispute using [--] usc 1666b Dispute using [--] usc 1637a-a DM [---] to delete late payments Late payment Tip 💯 If you have late payments from Capital One Chase Wells Fargo American Express Bank of America This is how you will delete them: Dispute the CMI of your Dispute using [--] usc 1666b Dispute using"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7413005974036024622) 2024-09-10T13:29Z 308.8K followers, 22.2K engagements
"if you are looking to start a business here are three great business ideas that are Recession Proof [--] Recession Proof Businesses you can start #3 you can run remotely [--] Recession Proof Businesses you can start #3 you can run remotely"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7414233146914295082) 2024-09-13T20:51Z 431.3K followers, 11.1K engagements
"Stop doing this 3rd party credit reporting agencies mistake DM [---] for credit help DM [---] for credit help"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7415655631006207278) 2024-09-17T16:51Z 310.9K followers, 23.4K engagements
"Works for portfolio recovery associates midland credit management lvnv funding Jefferson capital and more You can potentially not owe them a debt Ask the debt collector for these [--] items. If they fail to provide any of or all.you don't owe them the debt and they have to remove it from your credit report Collection Tip 💯 [--]. Name and address of the original creditor [--]. Amount of debt [--]. Proof that the collection agency has the right to collect the debt [--]. Any judgments obtained [--]. Proof that the statute of limitations is not expired DM [---] to delete collections Ask the debt collector for these"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7426060488791903519) 2024-10-15T17:47Z 308.8K followers, [----] engagements
"Works with all debt collectors #creditrepair How to not pay debt collectors and bypass any failed validation debts If they fail you don't owe the debt Works with all debt collectors and collections ❌❌❌ How to not pay debt collectors and bypass any failed validation debts If they fail you don't owe the debt Works with all debt collectors and collections ❌❌❌"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7426090279309987118) 2024-10-15T19:43Z 491.7K followers, 22.8K engagements
"Let's go DM [---] for credit help If a collection is reporting as "open" or "late" on your credit report that's a violation and must be deleted Collection Tip 📌 Dispute using [--] usc 1692g to delete it DM [---] for credit help If a collection is reporting as "open" or "late" on your credit report that's a violation and must be deleted Collection Tip 📌 Dispute using [--] usc 1692g to delete it DM [---] for credit help"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7432044519018859818) 2024-10-31T20:48Z 493.7K followers, 26.4K engagements
"If you are getting sued. By a debt collector Are you getting sued by Portfolio Recovery Associates Are you getting sued by Portfolio Recovery Associates"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7432297728769625387) 2024-11-01T13:11Z 310.9K followers, [----] engagements
"How to delete old closed accounts on your credit report #creditrepair Make sure you do each step to get the closed accounts removed Make sure you do each step to get the closed accounts removed"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7434240041116912939) 2024-11-06T18:48Z 431.3K followers, 12.6K engagements
"Late payment reporting different on credit bureaus #creditrepair Late payments reporting different on credit bureaus. What do I do Do you have this issue Late payments reporting different on credit bureaus. What do I do Do you have this issue"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7434965800223804718) 2024-11-08T17:44Z 314.2K followers, [----] engagements
"This will not improve your credit scores #creditrepair This strategy will not improve your credit scores This strategy will not improve your credit scores"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7435353402772655403) 2024-11-09T18:48Z 398.7K followers, 10.7K engagements
"What do I do if I am getting sued by a debt collector #creditrepair If you are getting sued by a debt collector Don't let collection agencies like Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital Garnish your wages You can do several things: [--]. Reply to the debt lawsuit [--]. Force lawsuit put of court [--]. Respond to collection letter [--]. Ask for debt validation If you are getting sued by a debt collector Don't let collection agencies like Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital Garnish your wages You can do"
[TikTok Link](https://www.tiktok.com/@clevercreditfix/video/7436043638074805546) 2024-11-11T15:27Z 314.8K followers, 149K engagements
"Do i need to pay collections #creditrepair Do not pay collections with your hard earned money Do not pay collections with your hard earned money"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7436801600225545518) 2024-11-13T16:28Z 398.7K followers, [----] engagements
"The collection agency can't collect any money from you if they cannot prove the debt #creditrepair You don't owe collections anything You don't owe collections anything"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7437518209210682667) 2024-11-15T14:49Z 478.7K followers, 122.3K engagements
"How to get around stall letters from the credit bureaus. Don't fall for the stall tactics #creditrepair Can you sue the credit bureaus if they send you a STALL LETTER How to get around it Can you sue the credit bureaus if they send you a STALL LETTER How to get around it"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7440125186969521451) 2024-11-22T15:25Z 398.7K followers, 11.3K engagements
"Elon Musk is making some serious initiatives as soon as the next Administration is in office. considering both the cfpb and the IRS is a bold move. what do you think of this What do you think of this Leave a comment What do you think of this Leave a comment"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7442086192574926126) 2024-11-27T22:15Z 316.2K followers, [----] engagements
"How long is the statute of limitations in Florida for credit card debt If you live in Florida what is the statue of limitations on credit card debt The Statute of Limitations for Credit Card debt in Florida is [--] years. The Statute of Limitations expiration date is November [--] [----]. Exceptions and nuances may apply. You should check your state's law to be sure: Fla. Stat. 95.11(2) I'd you need help with your credit let me know If you live in Florida what is the statue of limitations on credit card debt The Statute of Limitations for Credit Card debt in Florida is [--] years. The Statute of"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7443161922679311662) 2024-11-30T19:49Z 462K followers, 21.4K engagements
"The dispute law to rule them all The one thing to use to dispute anything on your credit report The one thing to use to dispute anything on your credit report"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7443916128507776286) 2024-12-02T20:36Z 316.2K followers, 10.5K engagements
"Charge off with an open status Charge off with an OPEN status What's needs to be done Charge off with an OPEN status What's needs to be done"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7445078490291899679) 2024-12-05T23:47Z 490.4K followers, 20K engagements
"if you get served by collection agency like Portfolio Recovery Associates or Midland credit management do not ignore it it is very important that you respond to the lawsuit Sued by a collection agency Sued by a collection agency"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7445338832360295711) 2024-12-06T16:37Z 317.5K followers, 15.1K engagements
"*Don't Pay Collections Without Validation* If a debt collector contacts you demanding payment on an alleged debt remember: you have rights. The Fair Debt Collection Practices Act (FDCPA) requires collectors to validate the debt upon request. If they fail to provide proper validation it's wise not to pay. *Why:* [--]. *Lack of proof*: Without validation you can't be certain the debt is yours or accurate. [--]. *Potential scams*: Unverified debts may be phantom debts or scams. [--]. *Resetting the clock*: Paying an unvalidated debt can restart the statute of limitations allowing collectors to pursue you"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7446584680800963870) 2024-12-10T01:11Z 317.1K followers, [----] engagements
"CFPB and collection agency interest rates #creditrepair Illegal Collection agency interest fees What do you need to do Illegal Collection agency interest fees What do you need to do"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7447910768122662174) 2024-12-13T14:58Z 484.3K followers, [----] engagements
"How to delete a charge off with a 1099c One of many ways to remove a CHARGE OFF that is on your credit report ❌❌❌ One of many ways to remove a CHARGE OFF that is on your credit report ❌❌❌"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7447998048589860127) 2024-12-13T20:36Z 317.5K followers, [----] engagements
"Credit Score: Aim for a credit score of [---] or higher to qualify for the best mortgage rates; check your credit report for errors and work to improve your score by making timely payments on all debts Less than [--] days for [----] Are you doing what's needed to purchase a home next year The most important thing is Credit Score: Aim for a credit score of [---] or higher to qualify for the best mortgage rates; check your credit report for errors and work to improve your score by making timely payments on all debts Less than [--] days for [----] Are you doing what's needed to purchase a home next year The"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7448330919280168223) 2024-12-14T18:08Z 317.5K followers, [----] engagements
"Replying to @alextafolla13 what should you do when Midland credit management does this to start you #creditrepair"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7448769690509266206) 2024-12-15T22:30Z 490.1K followers, 23K engagements
"Credit cards that don't hesitate to sue you Credit cards that can take you to court Credit cards that can take you to court"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7449444807883132191) 2024-12-17T18:10Z 484.3K followers, 10.2K engagements
"Replying to @djgojabean you have to fight it and dispute #creditrepair Always make sure you dispute against portfolio recovery associates midland credit management lvnv funding Jefferson capital"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7451613125507370271) 2024-12-23T14:25Z 431.3K followers, 147.9K engagements
"Replying to @soniavalentin530 original creditors can easily validate the debt #creditrepair"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7452779601002073375) 2024-12-26T17:51Z 317.5K followers, 19.7K engagements
"Replying to @baby_j_1430 is a debt collection agency threatening you to go to jail #creditrepair Warrant is active Warrant is active"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7453125155468971295) 2024-12-27T16:12Z 491.7K followers, 61.8K engagements
"Your goals for the year [----] #creditrepair YOUR GOALS FOR [----] 800+ CREDIT SCORES YOUR GOALS FOR [----] 800+ CREDIT SCORES"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7454611073593920799) 2024-12-31T16:18Z 431.3K followers, [----] engagements
"Are creditors allowed to Garnish your wages for a credit card debt #creditrepair Is credit card garnishment allowed in Texas Is credit card garnishment allowed in Texas"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7454684457358986526) 2024-12-31T21:03Z 462K followers, 52.5K engagements
"If you are getting sued by a debt collector like Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital credence capital. Respond ASAP #creditrepair Many individuals I know are getting sued by debt collectors like Portfolio Recovery Associates Midland credit management I tell them to use Solo Suit to beat these collection agencies and respond to the lawsuits they received I made it very simple for everyone. You can find it in my bio Many individuals I know are getting sued by debt collectors like Portfolio Recovery Associates Midland credit management I tell"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7455753336520789279) 2025-01-03T18:11Z 494.6K followers, 40.9K engagements
"Replying to @alysamcanally how to dispute Midland credit management and win #creditrepair"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7456127824299134238) 2025-01-04T18:24Z 490.2K followers, [----] engagements
"Lvnv funding is one of the most active debt collectors #creditrepair After reviewing thousands of credit reports. I have noticed that people tend to have collections reported from LVNV FUNDING the most You need to dispute using [--] usc 1692g to delete it Dispute the MCB furnishings After reviewing thousands of credit reports. I have noticed that people tend to have collections reported from LVNV FUNDING the most You need to dispute using [--] usc 1692g to delete it Dispute the MCB furnishings"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7456492291373468958) 2025-01-05T17:58Z 478.7K followers, 15K engagements
"Debt collectors like Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital. Will most likely sue you if you don't dispute and force validation #creditrepair These debt collection agencies will most likely sue you if you don't force them to validate the debt Portfolio Recovery Associates Midland Credit Management Lvnv funding Jefferson Capital Always force validation and dispute the CMI of your profile These debt collection agencies will most likely sue you if you don't force them to validate the debt Portfolio Recovery Associates Midland Credit Management Lvnv"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7457555829068205342) 2025-01-08T14:45Z 431.3K followers, 68.3K engagements
"Ask the debt collector for these [--] items. This is a must do #creditrepair"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7457710660529523999) 2025-01-09T00:46Z 398.7K followers, 108.6K engagements
"cfpb Sue's Experian for sham investigations of credit report errors. Experian does not properly investigate disputes and fails to remove or reinsert errors on reports threatening consumers across to credit employment and housing.#creditrepair This is a HUGE mistake This is a HUGE mistake"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7457916927634083102) 2025-01-09T14:06Z 495K followers, 23.1K engagements
"How to respond to debt lawsuit from Portfolio Recovery associates Midland credit Jefferson capital #creditrepair If you are getting sued by Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital Do this ASAP Solo Suite If you are getting sued by Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital Do this ASAP Solo Suite"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7458321929150188831) 2025-01-10T16:18Z 497.3K followers, 836.5K engagements
"Always ask the debt collector to provide you with the purchase agreement #creditrepair Always ask the debt collector for the "purchase agreement" Always ask the debt collector for the "purchase agreement""
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7459045737762983198) 2025-01-12T15:07Z 462K followers, 12.2K engagements
"Now is a golden opportunity to get negative items deleted. Experian is being sued by the CFPB #creditrepair If you have collections from Portfolio Recovery associates Midland credit management lvnv funding Jefferson capital Now is the perfect time to get them deleted cause EXPERIAN is getting sued by the CFPB for sham investigations Ask them for the "method of validation" to get the negative reporting removed If you have collections from Portfolio Recovery associates Midland credit management lvnv funding Jefferson capital Now is the perfect time to get them deleted cause EXPERIAN is getting"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7459428001705364767) 2025-01-13T15:50Z 462K followers, 56.9K engagements
"How to delete those annoying late Payments #creditrepair When [--] [--] [--] day late Payments hit your credit but you aren't worried cause you know how to dispute and delete the them Dispute the CMI of your profile Dispute using [--] usc 1666b Dispute the MCB furnishings Comment "800" to delete late payments When [--] [--] [--] day late Payments hit your credit but you aren't worried cause you know how to dispute and delete the them Dispute the CMI of your profile Dispute using [--] usc 1666b Dispute the MCB furnishings Comment "800" to delete late payments"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7459764072813317407) 2025-01-14T13:34Z 489.4K followers, 16K engagements
"Experian sued by the CFPB and they are removing negative items quicker #creditrepair Experian sued by the CFPB This is a golden opportunity to remove everything negative on your credit report Use the correct consumer law codes Experian sued by the CFPB This is a golden opportunity to remove everything negative on your credit report Use the correct consumer law codes"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7460149806560709918) 2025-01-15T14:31Z 462K followers, 55.9K engagements
"Capital one sued by the CFPB"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7460545733456956718) 2025-01-16T16:07Z 323.3K followers, 23.8K engagements
"Dispute the method of verification with Experian ASAP to get the negative items removed"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7460877199315324191) 2025-01-17T13:34Z 490.8K followers, [----] engagements
"TikTok ban update Update on TikTok ban [--] day extension confirmed Update on TikTok ban [--] day extension confirmed"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7461341867821534495) 2025-01-18T19:37Z 326.4K followers, 34.9K engagements
"what is the best way to beat a collection agency like Portfolio Recovery associates Midland credit management lvnb funding Jefferson capital well I'm here to tell you the best way to do so is to ask them to provide you with the purchase agreement #creditrepair The best way to beat a collection agency The best way to beat a collection agency"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7462370872234380574) 2025-01-21T14:11Z 488.8K followers, 27.1K engagements
"Use this 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 Information under FCRA To Whom It May Concern I am disputing inaccurate information on my credit report pursuant to the Fair Credit Reporting Act (FCRA) specifically [--] U.S.C. 1681i(a)(1)(A) and [--] U.S.C. 1681i(a)(5). These provisions require Experian to conduct a reasonable reinvestigation and remove any unverifiable or inaccurate information. The CFPB recently filed a lawsuit against Experian alleging sham investigations"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7463246272196136223) 2025-01-23T22:47Z 495K followers, 25.4K engagements
"In the United States the statute of limitations (SOL) for credit card debt varies by state. For most states the SOL is typically between [--] to [--] years. However a few states have longer statutes of limitations exceeding [--] years. These states include: States with Statutes of Limitations Over [--] Years: [--]. Maine [--] years [--]. Maryland [--] years (but can be [--] years if it's considered a written contract under certain circumstances). [--]. Massachusetts [--] years written contracts may be different. #creditrepair States with Statutes of Limitations Over [--] Years: [--]. Maine [--] years [--]. Maryland [--] years (but can be"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7463914300743126303) 2025-01-25T18:00Z 488.8K followers, 11.7K engagements
"if you are getting sued by Portfolio Recovery associates Midland credit management lvnv funding Jefferson capital or Credence capital. do this ASAP and respond to the debt lawsuit so you can get it out of court Anyone getting sued by a debt collection agency Anyone getting sued by a debt collection agency"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7464596742164450590) 2025-01-27T14:08Z 338.9K followers, 46.1K engagements
"Experian sued by the cfpb so should TransUnion for the same sham practices #creditrepair To Whom It May Concern I am writing to file a formal complaint against TransUnion for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer I have a right under the Fair Credit Reporting Act (FCRA) to have my disputes investigated thoroughly but TransUnion has failed to fulfill this obligation. Over the course of my recent interactions with TransUnion I have noticed a pattern of what I believe to be sham investigations. My disputes regarding"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7464618054484364575) 2025-01-27T15:31Z 488.8K followers, [----] engagements
"Microsoft just stepped in to acquire TikTok"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7464976576174640415) 2025-01-28T14:43Z 396.6K followers, [----] engagements
"Do this asap #creditrepair Collection Tip 📌 Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital Collection Tip 📌 Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7464996757340998942) 2025-01-28T16:00Z 494.7K followers, 30.6K engagements
"Things you need to do asap while disputing reference the cfpb suing Experian #creditrepair Experian failed to properly investigate disputes Experian reinserted inaccurate information after consumers had errors removed Experian failed to forward relevant information to furnishers Experian failed to provide adequate notice to consumers of the outcome of their disputes Why is the CFPB suing Experian Pull your credit reports now and start disputing with the following codes: . **15 U.S.C. 1681i Fair Credit Reporting Act (FCRA) Section 611** **15 U.S.C. 1681e Fair Credit Reporting Act (FCRA)"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7465461336885972255) 2025-01-29T22:03Z 431.3K followers, 11.6K engagements
"if you have a collection from Portfolio Recovery Associates Midland credit management lvnv funding or any other debt collection agency this is what you need to say to them to scare them and have them remove the negative item off of your credit report Say this to a debt collector and they will be scared and delete your collection Say this to a debt collector and they will be scared and delete your collection"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7465797380936338718) 2025-01-30T19:48Z 493.7K followers, 21.4K engagements
"If you have this reporting *15 U.S.C. 1681i** This section gives you the right to dispute inaccurate or incomplete information in your credit report. The credit reporting agency must investigate your dispute within [--] days (or [--] days in some cases) and correct or delete inaccurate incomplete or unverifiable information. If you have a collection status that's says "open" or "late" I want you to check your credit report immediately That is an fdpa violation and it needs to be removed from your credit report immediately Dispute the CMI of your profile and use [--] U.S.C. 1681i If you have a"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7466445770305096991) 2025-02-01T13:44Z 338.9K followers, 10.1K engagements
"24-hour inquiry removal phone script and the speed letter. works for all three credit bureaus. #creditrepair 24hr Inquiry Removal & Phone Script Works for: Experian TransUnion Equifax 24hr Inquiry Removal & Phone Script Works for: Experian TransUnion Equifax"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7466500962887159071) 2025-02-01T17:17Z 478.7K followers, 61.3K engagements
"Have you don't this big mistake Hope you leaned your lesson #creditrepair Do not do this BIG mistake Collection agencies love when you fall for it Do not do this BIG mistake Collection agencies love when you fall for it"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7467662072432561439) 2025-02-04T20:23Z 398.7K followers, 19K engagements
"The Experian lawsuit by the cfpb is driving insane results and my letters are yours to use. Linktree in my profile then go to buy me a coffee tab #creditrepair The Experian dispute letter referencing the CFPB lawsuit. My letters are yours to use The Experian dispute letter referencing the CFPB lawsuit. My letters are yours to use"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7467968870620351774) 2025-02-05T16:14Z 497.2K followers, 47.8K engagements
"what if your dispute letters had superpowers before you send them out and the best part these letters are customized with your detailed specifically they are not General templates. #creditrepair What if your dispute letters had SUPER POWERS before you send them out What if your dispute letters had SUPER POWERS before you send them out"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7468384978938662174) 2025-02-06T19:08Z 338.9K followers, [----] engagements
"Elon Musk cannot just delete the cfpb Update: The CFPB isn't going anywhere Update: The CFPB isn't going anywhere"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7469215345522248990) 2025-02-09T00:50Z 338.9K followers, [----] engagements
"This is how you are gonna get your repo car back regardless of who you finance it with. Bank of America Chase Wells Fargo Capital One Repossession "disturbing the peace" How to get your car back Repossession "disturbing the peace" How to get your car back"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7469406721975291167) 2025-02-09T13:14Z 493.6K followers, 20.6K engagements
"TransUnion failing to meet the CMI requirement TransUnion failing to me the CMI requirement of your profile - Dispute letter TransUnion failing to me the CMI requirement of your profile - Dispute letter"
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7469780669741157663) 2025-02-10T13:25Z 496.9K followers, [----] engagements
### Creator
https://lunarcrush.com/api4/public/creator/:network/:id/v1
Get detail information on a specific creator
input parameters:
+ **network**: _Provide the network for the creator. One of twitter, youtube, instagram, reddit, or tiktok_ **required**
+ **id**: _Provide the unique ID or screen name of the creator_ **required**
Example request:
```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creator/twitter/elonmusk/v1
```
Example response:
```json
{
"data": {
"creator_id": "twitter::44196397",
"creator_name": "elonmusk",
"creator_display_name": "Elon Musk",
"creator_avatar": "https://pbs.twimg.com/profile_images/2008546467615580160/57KcqsTA_200x200.jpg",
"creator_followers": 234296337,
"creator_rank": 2,
"interactions_24h": 318539577,
"topic_influence": [
{
"topic": "in the",
"count": 294,
"percent": 5.88,
"rank": [--]
}
],
"top_community": [
{
"creator_name": "grok",
"creator_display_name": "Grok",
"creator_avatar": "https://pbs.twimg.com/profile_images/1893219113717342208/Vgg2hEPa_200x200.jpg",
"count": [---]
}
]
}
}
```
Schema:
+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_name**: The unique screen name for the influencer
+ **creator_display_name**: The chosen display name for the influencer if available
+ **creator_avatar**: The URL to the avatar for the creator
+ **creator_followers**: number of followers the account has
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions
+ **interactions_24h**: Number of interactions in the last [--] hours
+ **topic_influence**: an array of social topics and the creators ranking on each topic
+ **topic**: LunarCrush social topic. Can only includes letters, numbers, spaces, #, and $
+ **top_community**: an array of the top accounts that have recently mentioned this creator or that this creator has mentioned
---
### 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 [--] hours.
input parameters:
+ **network**: _Network for the creator. One of twitter, youtube, instagram, reddit, or tiktok_ **required**
+ **id**: _Unique ID or screen name of the creator_ **required**
+ **start**: _The start time (unix timestamp) to start at. Will be rounded to the beginning of the day. If the end parameter is not provided it will just be the top posts for this day._
+ **end**: _(Optional) The end time (unix timestamp) to stop at. Will be rounded to the end of the day._
Example request:
```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creator/twitter/elonmusk/posts/v1
```
Example response:
```json
{
"data": [
{
"id": "2016130284664598584",
"post_type": "tweet",
"post_title": "Troubling",
"post_created": 1769517892,
"post_sentiment": 3.15,
"post_link": "https://x.com/elonmusk/status/2016130284664598584",
"post_image": null,
"creator_id": "twitter::44196397",
"creator_name": "elonmusk",
"creator_display_name": "Elon Musk",
"creator_followers": 234295932,
"creator_avatar": "https://pbs.twimg.com/profile_images/2008546467615580160/57KcqsTA_200x200.jpg",
"interactions_24h": 0,
"interactions_total": [--------]
}
]
}
```
Schema:
+ **id**: Unique id of the social post
+ **post_type**: The type of social post
+ **post_title**: The title text of the social post
+ **post_created**: The unix timestamp of our best indication of when the post was created
+ **post_sentiment**: The sentiment of the post is a score between [--] and [--] with [--] being very negative, [--] being neutral, and [--] being very positive. A score of [---] is considered slightly positive.
+ **post_link**: The URL to view the social post on the social network
+ **post_image**: The URL to the primary image for the post if available
+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_name**: The unique screen name for the influencer
+ **creator_display_name**: The chosen display name for the influencer if available
+ **creator_followers**: number of followers the account has
+ **creator_avatar**: The URL to the avatar for the creator
+ **interactions_24h**: Number of interactions in the last [--] hours
+ **interactions_total**: Number of total interactions
---
### Topic Creators
https://lunarcrush.com/api4/public/topic/:topic/creators/v1
Get the top creators for a social topic
input parameters:
+ **topic**: _Provide the topic to get details for. A topic must be all lower case and can only include letters, numbers, spaces, # and $._ **required**
Example request:
```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/topic/bitcoin/creators/v1
```
Example response:
```json
{
"data": [
{
"creator_id": "twitter::1605310254085980161",
"creator_name": "Bitcoin_Teddy",
"creator_avatar": "https://pbs.twimg.com/profile_images/1739753415134138368/FrWHMAnb_200x200.jpg",
"creator_followers": 74293,
"creator_rank": 1,
"interactions_24h": [-------]
}
]
}
```
Schema:
+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_name**: The unique screen name for the influencer
+ **creator_avatar**: The URL to the avatar for the creator
+ **creator_followers**: number of followers the account has
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions
+ **interactions_24h**: Number of interactions in the last [--] hours
---
### Category Creators
https://lunarcrush.com/api4/public/category/:category/creators/v1
Get the top creators for a social category
input parameters:
+ **category**: _Provide the category to get details for. A category must be all lower case and can only include letters, numbers, and spaces._ **required**
Example request:
```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/category/musicians/creators/v1
```
Example response:
```json
{
"data": [
{
"creator_id": "youtube::undefined",
"creator_name": "airshowfansh",
"creator_avatar": "https://yt3.ggpht.com/cUuwxYNRoYoO_rnBAgPbze39nOMI_rUq0pVmHiM-Fz40TsRDmv8gZcUxvqxLF_bsGzhdVu4u9A=s88-c-k-c0x00ffffff-no-rj",
"creator_followers": 79600000,
"creator_rank": 1,
"interactions_24h": [---------]
}
]
}
```
Schema:
+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_name**: The unique screen name for the influencer
+ **creator_avatar**: The URL to the avatar for the creator
+ **creator_followers**: number of followers the account has
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions
+ **interactions_24h**: Number of interactions in the last [--] hours
---
Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@clevercapitalfreedom Clever Credit Guy
Clever Credit Guy posts on TikTok about debt, collection, finance, if you the most. They currently have [-------] followers and [----] posts still getting attention that total [------] engagements in the last [--] hours.
Engagements: [------] #
- [--] Week [-------] +24%
- [--] Month [---------] -27%
- [--] Months [----------] -70%
- [--] Year [----------] +108%
Mentions: [---] #
- [--] Week [---] -2.50%
- [--] Month [---] -7.50%
- [--] Months [---] +58%
- [--] Year [---] +171%
Followers: [-------] #
- [--] Week [-------] +0.30%
- [--] Month [-------] +0.64%
- [--] Months [-------] +5.20%
- [--] Year [-------] +52%
CreatorRank: [-------] #
Social Influence
Social category influence finance stocks #5231 ncaa football #4539 countries celebrities technology brands automotive brands social networks financial services #2780 fashion brands
Social topic influence debt #263, collection #2894, finance #1952, if you, ai #5841, how to, agencies #105, credit #138, money, bank of america #28
Top accounts mentioned or mentioned by @carolinachiick @mangodelight808 @amarchbbeauty @cleverbizcredit @heyamyxo @alextafolla13 @djgojabean @soniavalentin530 @babyj1430 @alysamcanally @mzheadgazm @leeann1822 @brandyboo81 @musicby3tg @bensaluna @kleejameson @user8173906469012 @iamcharleennicole @user1616149974696 @bonitanne
Top assets mentioned Bank of America (BAC) Tesla, Inc. (TSLA) Alphabet Inc Class A (GOOGL) Uber Technologies, Inc. (UBER) Klarna Group plc (KLAR)
Top Social Posts
Top posts by engagements in the last [--] hours
"How to dispute a collection with a [---] letter #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips You aren't liable to pay a collection. It's not your debt anymore 🚫 This is how you dispute it You aren't liable to pay a collection. It's not your debt anymore 🚫 This is how you dispute it"
TikTok Link 2022-09-28T19:05Z 514.3K followers, 531.8K engagements
"What exactly is a ucc-1 filing and how does it work Does it hurt your credit score #creditrepair What is a ucc-1 filing Uniform Commercial Code - [--] Does it prevent the creditor from filing a foreclosure on your home Does it prevent the bank doing a Repo on your car The creditor can enforce liens on your personal property What is a ucc-1 filing Uniform Commercial Code - [--] Does it prevent the creditor from filing a foreclosure on your home Does it prevent the bank doing a Repo on your car The creditor can enforce liens on your personal property"
TikTok Link 2024-12-27T21:30Z 514.3K followers, 33.3K 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 How to delete student loans from Aidvantage Aidvantage is sued for false reporting and inaccurate billing. This is a one time chance to delete student loans Do this asap Make sure you send certified mail Ask for permanent removal from all [--] credit bureaus How to delete student loans from Aidvantage Aidvantage is sued for false reporting and inaccurate billing. This is"
TikTok Link 2025-07-09T17:11Z 514.3K followers, 113.2K engagements
"Equifax slammed with a class action lawsuit. Golden opportunity for you to challenge derogatory items on your credit report. #creditrepair #creditrestoration #finance #creditcard #creditscore Equifax fucked up 🥸 Slammed with a class action lawsuit Equifax fucked up 🥸 Slammed with a class action lawsuit"
TikTok Link 2022-08-12T01:25Z 398.7K followers, 16.8K engagements
"Know your rights. This is not financial advice. How to handle medical collection. #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #medicalcollections Don't pay medical collections ❌ Don't pay medical collections ❌"
TikTok Link 2022-09-03T16:32Z 491.5K followers, 114.2K engagements
"How to delete medical debt #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips DONT DO THAT 🚫 Violation 🚫 Secret debt collectors do not want you to know 😈 If you have medical debt don't do this ❌ They Only have basic info. 👀 You are giving them permission to validate 😭 NO SURPRISE ACT LETTER 👍 Type the letter and include the Surprise Act Remove immediately ❌ DONT DO THAT 🚫 Violation 🚫 Secret debt collectors do not want you to know 😈 If you have medical debt don't do this ❌ They Only have basic info. 👀 You are giving"
TikTok Link 2022-09-21T13:48Z 484.3K followers, 37.9K engagements
"Being sued by a debt collector #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Listen very carefully 🙏 You are getting sued by a debt collector 😔. Here is what you need to do Listen very carefully 🙏 You are getting sued by a debt collector 😔. Here is what you need to do"
TikTok Link 2022-09-29T14:35Z 478.7K followers, 114.4K engagements
"Capital one late payments removal #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips This is how I removed [--] Capital One late payments This is how I removed [--] Capital One late payments"
TikTok Link 2022-10-06T14:42Z 398.7K followers, 44.9K engagements
"Factual disputes in a collection or a charge off #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips This is your golden ticket to remove it NEVER EVER overlook this wheb disputing a collection / charge off 🚫 This is your golden ticket to remove it NEVER EVER overlook this wheb disputing a collection / charge off 🚫"
TikTok Link 2022-10-10T14:23Z 493.5K followers, 18.5K engagements
"Never pay a medical bill until you verify the true cost #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #medicalcollections Don't let them fool you Never pay a medical until you do this Fair Health Consumer Don't let them fool you Never pay a medical until you do this Fair Health Consumer"
TikTok Link 2022-10-11T14:22Z 310.9K followers, 1.2M engagements
"Freezing the secondary bureaus Lexisnexis Corelogic #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #credittips Do you really need to FREEZE the secondary credit agencies Do you really need to FREEZE the secondary credit agencies"
TikTok Link 2022-10-12T13:50Z 310.9K followers, [----] engagements
"There is always a way to fund your LLC #businesscredit You created an LLC and you need a $100k loan with no personal guarantee You created an LLC and you need a $100k loan with no personal guarantee"
TikTok Link 2022-10-17T19:46Z 497.4K followers, 35.3K engagements
"The worst thing you can do to damage your credit #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips How to destroy your credit rating in two simple steps How to destroy your credit rating in two simple steps"
TikTok Link 2022-10-22T17:43Z 484.3K followers, [----] engagements
"Junk data on your credit report #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Remove junk data on your credit report ASAP 🚫 Remove junk data on your credit report ASAP 🚫"
TikTok Link 2022-10-25T22:01Z 486.9K followers, [----] engagements
"#duet with @cleverbizcredit collection agencies can't verify your debt. So it has to fall off your credit report #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Collection agencies fail process of verification 99% of the time Need help with your credit Let me know. Collection agencies fail process of verification 99% of the time Need help with your credit Let me know"
TikTok Link 2022-10-27T13:04Z 487.6K followers, 10.4K engagements
"Bankruptcy court doesn't report information to any of the credit reporting agencies #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips The bankruptcy court doesn't report information to any of the credit reporting agencies Only way to remove it. is dispute it The bankruptcy court doesn't report information to any of the credit reporting agencies Only way to remove it. is dispute it"
TikTok Link 2022-11-06T15:44Z 326.4K followers, [----] engagements
"This is getting out of hand #creditrepair Collection agencies made over [--] Billion in [----] Collection agencies made over [--] Billion in 2022"
TikTok Link 2022-11-15T15:17Z 487.6K followers, [----] engagements
"Late payments removal #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #credittips How to remove late payments using this statute Experian Equifax Transunion How to remove late payments using this statute Experian Equifax Transunion"
TikTok Link 2022-12-09T14:34Z 338.9K followers, 14.5K engagements
"What is debt verification #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips What happens when a collection agency does not verify debt👀 What happens when a collection agency does not verify debt👀"
TikTok Link 2022-12-21T19:10Z 492K followers, [----] engagements
"Credit karma and experian app. Which one #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Credit Karma sucks Should you use the Experian app Should you download them Credit Karma sucks Should you use the Experian app Should you download them"
TikTok Link 2022-12-22T21:24Z 493.7K followers, [----] engagements
"These are the worst [--] things you can do to your credit #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips The [--] worst things you can do DESTROY your credit score 💀💀💀 The [--] worst things you can do DESTROY your credit score 💀💀💀"
TikTok Link 2023-01-24T20:57Z 496.2K followers, [----] engagements
"Collection agencies love to play games #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist Collection agency trickery 🤔❌ Collection agency trickery 🤔❌"
TikTok Link 2023-02-01T21:27Z 462K followers, 12.8K engagements
"How to remove evictions on your credit with CoreLogic #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips How to remove evictions on your credit CoreLogic Evictions foreclosures background checks are all stored in CoreLogic Start with personal information How to remove evictions on your credit CoreLogic Evictions foreclosures background checks are all stored in CoreLogic Start with personal information"
TikTok Link 2023-02-02T18:08Z 398.7K followers, 10.5K engagements
"How to handle debt collectors #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Debt collectors don't want you to know this Debt collectors don't want you to know this"
TikTok Link 2023-03-20T19:31Z 491.5K followers, 360.9K engagements
"Remove late payments with the CFPB #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Late payments on your credit report is a major privacy violation 🚫🚫🚫 Late payments on your credit report is a major privacy violation 🚫🚫🚫"
TikTok Link 2023-04-18T17:44Z 491.5K followers, 30.2K engagements
"Illegal hard inquiries #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
TikTok Link 2023-04-22T01:38Z 314.4K followers, 10.2K engagements
"Is chat GPT an option #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Can you use Chat GPT to write dispute letters ❓ Can you use Chat GPT to write dispute letters ❓"
TikTok Link 2023-04-30T13:18Z 310.9K followers, [----] engagements
"Bankruptcy accounts can still show inaccuracies. You can sue the bureaus and get compensation #creditrepair Tons of errors on your credit report 🚫🚫🚫 Tons of errors on your credit report 🚫🚫🚫"
TikTok Link 2023-05-09T13:47Z 486.4K followers, [----] engagements
"You can be a victim of the CFPB data breach #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips You might be a victim of the CFPB data breach You might be a victim of the CFPB data breach"
TikTok Link 2023-05-13T02:09Z 317.5K followers, [----] engagements
"I see this error with collection accounts 99% off the time #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"
TikTok Link 2023-05-22T13:16Z 245.3K followers, [----] engagements
"Why business credit is so much better #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #businesscredit Why is a business credit card so much better Why is a business credit card so much better"
TikTok Link 2023-05-24T16:11Z 494.2K followers, [----] engagements
"This card is a must to build your credit #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips This card builds your credit and doesn't require a credit check 👍 This card builds your credit and doesn't require a credit check 👍"
TikTok Link 2023-05-27T19:29Z 493.2K followers, [----] engagements
"Do you have pets #pet #dog #tax #writeoff #kitten #puppy #creditrepair #creditrestoration #finance #creditcard #creditscore #credit"
TikTok Link 2023-05-29T19:34Z 236.1K followers, [----] engagements
"What makes a debt invalid with a collection agency Debt collectors don't want you to know the SECRET called "BURDEN OF PROOF" Makes the debt invalid Debt collectors don't want you to know the SECRET called "BURDEN OF PROOF" Makes the debt invalid"
TikTok Link 2023-06-09T21:33Z 462K followers, [----] engagements
"Late payments using the CFPB #creditrepair POV: Creditors know you can dispute late payments with the CFPB and have them deleted forever POV: Creditors know you can dispute late payments with the CFPB and have them deleted forever"
TikTok Link 2023-06-11T15:24Z 338.9K followers, 10.7K engagements
"How much credit score do you need to finance a Tesla #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #money Tesla does not state a minimum credit score for financing. You don't need to have 700+ credit score to get one Make sure you don't have late payments within the last [--] days Tesla without a [---] credit socre Tesla does not state a minimum credit score for financing. You don't need to have 700+ credit score to get one Make sure you don't have late payments within the last [--] days Tesla without a [---] credit socre"
TikTok Link 2023-06-14T00:20Z 431.3K followers, 30.2K engagements
"Debt collectors hate me #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Debt Collectors will hate me for this 🥲 Ask a debt collector to do this Debt Collectors will hate me for this 🥲 Ask a debt collector to do this"
TikTok Link 2023-06-20T13:14Z 398.7K followers, 36.2K engagements
"Dispute and remove negative items on your credit report #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips Major major credit tip Listen up 👍 FCRA. Major major credit tip Listen up 👍 FCRA"
TikTok Link 2023-06-27T18:16Z 398.7K followers, [----] engagements
"I need you to fi this asap #creditrepair #creditrestoration"
TikTok Link 2023-06-29T19:37Z 245.3K followers, [----] engagements
"Portfolio Recovery Associates #creditrepair #money"
TikTok Link 2023-07-02T19:13Z 245.3K followers, 13.2K engagements
"Do this when a repo man is on your property #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #credittips #money"
TikTok Link 2023-07-07T14:02Z 245.3K followers, 28.8K engagements
"Never ever do this with a debt collector #creditrepair #creditrestoration #finance #creditcard #creditscore #creditrepairspecialist Never Ever And I mean Never agree to settle Never Ever And I mean Never agree to settle"
TikTok Link 2023-07-07T20:07Z 498.7K followers, 50.2K engagements
"Can they do this #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist You need to know this You need to know this"
TikTok Link 2023-07-10T17:10Z 497.6K followers, [----] engagements
"How to delete medical collections using HIPAA law #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist I can confirm medical collection agencies hate me. 😂 Use this letter if you have medical collections from: I.C Systems National Service Bureau First Federal Credit Hipaa law dispute letter 🏆✅ Put medical collections behind you. I can confirm medical collection agencies hate me. 😂 Use this letter if you have medical collections from: I.C Systems National Service Bureau First Federal Credit Hipaa law dispute letter 🏆✅ Put medical collections"
TikTok Link 2023-07-15T16:25Z 323.3K followers, [----] engagements
"That Gucci bag #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist Me watching people spend $4000 on a Gucci bag when they could have invested it towards building their credit Good credit is very important for your well being Me watching people spend $4000 on a Gucci bag when they could have invested it towards building their credit Good credit is very important for your well being"
TikTok Link 2023-07-18T01:09Z 398.7K followers, [----] engagements
"Kovo Credit Builder boost your credit score in [--] days #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist How to boost your credit score 30-100pts in [--] days 🚀🚀🚀 How to boost your credit score 30-100pts in [--] days 🚀🚀🚀"
TikTok Link 2023-07-21T15:37Z 275.1K followers, 14.5K engagements
"How to build your credit fast If you've been affected by portfolio Recovery Associates collections. Do this asap to build credit again 👍 #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist"
TikTok Link 2023-07-21T20:55Z 245.2K followers, 12.4K engagements
"Can I sue the credit bureaus #creditrepair #money How to sue the credit bureaus like Experian Equifax Transunion Credit Tip 💯 How to sue the credit bureaus like Experian Equifax Transunion Credit Tip 💯"
TikTok Link 2023-07-26T18:38Z 317.5K followers, [----] engagements
"If you want to remove portfolio Recovery Associates collections. Do this #creditrepair #debt"
TikTok Link 2023-07-27T23:50Z 245.3K followers, [----] engagements
"How to have collection agencies stop calling you #creditrepair #debt Collection agency tip 💯 How to have collection agencies like Portfolio Recovery Associates to stop harrasing you Collection agency tip 💯 How to have collection agencies like Portfolio Recovery Associates to stop harrasing you"
TikTok Link 2023-07-28T18:04Z 285.5K followers, 24.7K engagements
"The silver way to delete a capital one late payment #creditrepair #debt #creditcard How to remove Capital One late payments the simple way How to remove Capital One late payments the simple way"
TikTok Link 2023-07-31T15:04Z 462K followers, 21.7K engagements
"Repossession tip you didn't know #creditrepair #debt #money 99% of you don't know this about a repossession and how it can become illegal Breaching the peace allows your to sue the lenders for these practices 99% of you don't know this about a repossession and how it can become illegal Breaching the peace allows your to sue the lenders for these practices"
TikTok Link 2023-08-08T14:45Z 487.5K followers, 42.2K engagements
"The smart way to dispute #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #credittips #money #debt Don't dispute online with the credit bureaus. Instead mail smart AI powered dispute letters AiCreditDisputer.com You have been notified Don't dispute online with the credit bureaus. Instead mail smart AI powered dispute letters AiCreditDisputer.com You have been notified"
TikTok Link 2023-08-09T21:23Z 490.7K followers, 14.5K engagements
"How to handle collection agencies in the USA. Portfolio Recovery Associates lvnv Midland Jefferson Capital #creditrepair #debt #money"
TikTok Link 2023-08-12T15:45Z 245.3K followers, 21K engagements
"The easiest way to build business credit #creditrepair #businesscredit #money #debt The easiest way to build business credit is finally here Visit my page for full perks The easiest way to build business credit is finally here Visit my page for full perks"
TikTok Link 2023-08-14T21:15Z 491.7K followers, [----] engagements
"Bankruptcy inaccuracies account removal #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist You can sue the credit bureaus if your bankruptcy related accounts are inaccurate ✅ You can sue the credit bureaus if your bankruptcy related accounts are inaccurate ✅"
TikTok Link 2023-08-15T19:41Z 431.3K followers, [----] engagements
"How to handle lvnv funding #creditrepair #money Three recommended questions to ask LVNV Funding when they call you 1-Can you provide validation of the debt Under the Fair Debt Collection Practices Act (FDCPA) you have the right to request validation of any debt a collector says you owe. This validation should include the amount of the debt the name of the creditor and a breakdown of the charges. 2- Are you willing to negotiate a settlement You can ask the debt collector if they are willing to settle for a lower amount or agree to a payment plan. Get any potential settlement offer in writing"
TikTok Link 2023-08-17T18:29Z 462K followers, [----] engagements
"Dispute with Experian without sending letters #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist How to dispute with Experian without sending dispute letters Listen till the end How to dispute with Experian without sending dispute letters Listen till the end"
TikTok Link 2023-08-21T18:26Z 491.6K followers, 21.1K engagements
"Average FICO Credit Score in America Generation Z Millennials Generation X Baby Boomers Silent Generation [---] [---] [---] [---] [---] Average FICO Credit Score per generation Generation Z Millennials Generation X Baby Boomers Silent Generation [---] [---] [---] [---] [---] Average FICO Credit Score per generation"
TikTok Link 2023-08-28T15:32Z 323.3K followers, [----] engagements
"Portfolio Recovery Associates / Midland Credit collection dispute If you have a Portfolio Recovery Associates / Midland Credit collection Do this asap 🔴 Very effective way to dispute If you have a Portfolio Recovery Associates / Midland Credit collection Do this asap 🔴 Very effective way to dispute"
TikTok Link 2023-09-01T14:10Z 310.9K followers, 106.3K engagements
"Send this dispute letter to Midland Credit to dispute a collection"
TikTok Link 2023-09-01T17:36Z 245.3K followers, 17.5K engagements
"Dispute Capital One late payments using the cfpb Dispute Capital One late payments with the CFPB 🔴 This works🔻might take several tries I have disputed [--] late payments with Capital One as shown in my attached dispute letter. These payments were all initiated before the due dates in [----] but posted late due to USPS delays. Capital One has failed to correct the errors after my dispute. The incorrect late payments should be removed from my credit report Dispute Capital One late payments with the CFPB 🔴 This works🔻might take several tries I have disputed [--] late payments with Capital One as"
TikTok Link 2023-09-03T14:55Z 338.9K followers, 11.1K engagements
"If you have a collection agency calling you. Do this asap 👍 How do you stop further debt collectors activity Ask them this question 🔴 This is how you'll have the upper hand 😂👍 How do you stop further debt collectors activity Ask them this question 🔴 This is how you'll have the upper hand 😂👍"
TikTok Link 2023-09-05T21:32Z 398.7K followers, [----] engagements
"Here is what you should say when portfolio Recovery Associates fails to validate your debt #creditrepair"
TikTok Link 2023-09-08T23:40Z 236.1K followers, 11.7K engagements
"Don't ever pay a collection #creditrepair Do not I REPEAT DO NOT Pay collection agencies Very important Do not I REPEAT DO NOT Pay collection agencies Very important"
TikTok Link 2023-09-11T16:25Z 283.7K followers, 49K engagements
"When to send a final third party debt validation letter. This works for portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital #creditrepair"
TikTok Link 2023-09-12T13:21Z 236.1K followers, [----] engagements
"Portfolio Recovery Associates and how to respond to debt validation failure #creditrepair Portfolio Recovery Associates failing to validate Here is what you should send Portfolio Recovery Associates failing to validate Here is what you should send"
TikTok Link 2023-09-12T14:58Z 491.6K followers, [----] engagements
"Yes this works when removing negative items on your credit report. Every credit profile is diff so results will vary. #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #credittips #money Congressional Finding under FCRA LAW allows you to permanently remove any negative item that is affecting your credit score Using ADJUDICATION DISPUTE METHODS you can remove: Collections Charge-Offs Medical Bills Student loans Repossession Bankruptcy Say "METHOD" if you need this Congressional Finding under FCRA LAW allows you to permanently"
TikTok Link 2023-09-13T16:32Z 491.7K followers, [----] engagements
"Risk with poor credit #creditrepair What do you miss out on if you have bad credit🔴🔴🔴 Is it time for your to fix your credit What do you miss out on if you have bad credit🔴🔴🔴 Is it time for your to fix your credit"
TikTok Link 2023-09-13T18:56Z 462K followers, [----] engagements
"Medical collections and bills. Yes they can be removed. Mssg me if you have any questions #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips #credittips #money"
TikTok Link 2023-09-14T15:15Z 245.2K followers, [----] engagements
"Capital One Late Payments Deleted #creditrepair Capital One late payments are the easiest to dispute and delete Listen carefully Capital One late payments are the easiest to dispute and delete Listen carefully"
TikTok Link 2023-09-20T18:04Z 462K followers, 41.9K engagements
"Pay Attention #creditrepair #debt Pay Attention That's why you always have to challenge debt validation ❌❌❌ Pay Attention That's why you always have to challenge debt validation ❌❌❌"
TikTok Link 2023-09-21T15:44Z 491.7K followers, 43.8K engagements
"Time to reconsider daily coffee Some people will spend $5 a DAY on coffee That's $155 a month That's $1860 a year That's $18000+ in [--] years Some people will spend $5 a DAY on coffee That's $155 a month That's $1860 a year That's $18000+ in [--] years"
TikTok Link 2023-09-23T17:57Z 462K followers, 98.8K engagements
"Bankruptcy discharged or dismissed you may get compensated"
TikTok Link 2023-09-26T18:45Z 236.1K followers, [----] engagements
"Replying to @hey_amyxo leaving court summons at your door #creditrepair"
TikTok Link 2023-09-26T22:21Z 310.9K followers, [----] engagements
"What happens when you pay a collection #creditrepair"
TikTok Link 2023-09-28T17:24Z 245.3K followers, 22.3K engagements
"Did you know #credit #debt #usa_tiktok"
TikTok Link 2023-09-30T11:54Z 236.1K followers, [----] engagements
"Yes this is true #creditrepair #debt #usa_tiktok COLLECTION AGENCY SECRETS This works for collection agencies like: Portfolio Recovery Associates LVNV Funding Midland Credit Jefferson Capital IC SYSTEMS For all the debt collectors who troll my account 😂 You do not have to pay a debt back if.contract states it. COLLECTION AGENCY SECRETS This works for collection agencies like: Portfolio Recovery Associates LVNV Funding Midland Credit Jefferson Capital IC SYSTEMS For all the debt collectors who troll my account 😂 You do not have to pay a debt back if.contract states it"
TikTok Link 2023-10-02T13:22Z 398.7K followers, 84.3K engagements
"5 best credit unions to use #debt [--]. Best for Military members: Navy Federal [--]. Best for APY: Consumers Credit Union [--]. Best overall: Alliant Credit Union [--]. Best for rewards credit cards: PenFed "Best Credit Unions"👍 [--]. Best for low interest: First Tech Federal Credit Union [--]. Best for Military members: Navy Federal [--]. Best for APY: Consumers Credit Union [--]. Best overall: Alliant Credit Union [--]. Best for rewards credit cards: PenFed "Best Credit Unions"👍 [--]. Best for low interest: First Tech Federal Credit Union"
TikTok Link 2023-10-03T16:40Z 397.2K followers, [----] engagements
"Louisiana Statute of Limitations #creditrepair Louisiana Statute Of Limitations 💳🙄 Louisiana Statute Of Limitations 💳🙄"
TikTok Link 2023-10-04T16:58Z 323.3K followers, [----] engagements
"Payment history and Credit usage #creditrepair"
TikTok Link 2023-10-05T13:27Z 245.3K followers, [----] engagements
"Three Terrible Banks to avoid #money Three Terrible Banks you should never bank with 🏦 Avoid Three Terrible Banks you should never bank with 🏦 Avoid"
TikTok Link 2023-10-05T16:48Z 498.5K followers, 155.4K engagements
"Fannie Mae 5% down multifamily Fannie Mae is giving you a $100000 discount Anyone can purchase multifamily homes now This is a GOLDEN OPPORTUNITY Fannie Mae is giving you a $100000 discount Anyone can purchase multifamily homes now This is a GOLDEN OPPORTUNITY"
TikTok Link 2023-10-06T13:01Z 462K followers, [----] engagements
"How long can you legally be chased for a debt How long can you legally be chased for a debt Don't ever make the mistake of paying on expired debts Debt collectors can't sue you anymore when. How long can you legally be chased for a debt Don't ever make the mistake of paying on expired debts Debt collectors can't sue you anymore when"
TikTok Link 2023-10-06T16:48Z 489.2K followers, 1.1M engagements
"Never deposit money with these Banks Never deposit your money with these banks Last one is a shocker Avoid Never deposit your money with these banks Last one is a shocker Avoid"
TikTok Link 2023-10-09T21:29Z 497.7K followers, 444.7K engagements
"The credit dit bureaus shouldn't do this Why does the credit bureaus punish consumers for [--] years I think it's unfair Why does the credit bureaus punish consumers for [--] years I think it's unfair"
TikTok Link 2023-10-11T00:17Z 493.8K followers, 14.7K engagements
"Letter to dispute late payments Use this letter to dispute credit card late payments State you have been wrongfully billed According to the Fair Credit Billing Act (FCBA) [--] U.S.C. 1666(b) creditors only have a right to report negative information for [--] days after sending a valid notice of billing error. I have not received any such notice from this creditor regarding these late payments they are currently reporting. As there is no evidence I received notice of these billing errors within the allotted timeframe under the FCBA this creditor has no legal right to continue reporting these late"
TikTok Link 2023-10-17T21:22Z 497.6K followers, 13.3K engagements
"Best bank in the USA Do you agree Disagree Is this best bank in the USA Anyone has issues Do you agree Disagree Is this best bank in the USA Anyone has issues"
TikTok Link 2023-10-18T19:44Z 491K followers, [----] engagements
"Charge off on my credit which is a complete loss to the lender Creditor complete loss on a debt How to remove the charge off Do you own the debt To Whom It May Concern: I am writing to dispute an inaccurate and unverified charge-off on my credit report. The following account is showing as a charge-off on my credit reports with your bureau: Account Name: Name of Creditor Account Number: Account number This debt is inaccurately reported as a charge-off. I am disputing this under the Fair Credit Reporting Act [--] U.S.C. 1681a(f) which states that a consumer has the right to dispute incomplete or"
TikTok Link 2023-10-24T14:39Z 478.7K followers, 19.6K engagements
"How to dispute a collection with Portfolio Recovery Associates. What to say and how to handle it"
TikTok Link 2023-10-25T19:56Z 431.3K followers, 520.6K engagements
"Dispute collections with [--] USC 1692g and what it is. [--] USC 1692g refers to a section of the Fair Debt Collection Practices Act (FDCPA) that requires debt collectors to send consumers a written validation notice about the debt within [--] days of initial contact. Specifically [--] USC 1692g states that the written notice must contain: - The amount of the debt - The name of the creditor to whom the debt is owed - A statement that unless the consumer disputes the validity of the debt within [--] days the debt collector will assume the debt is valid - A statement that if the consumer does dispute the"
TikTok Link 2023-10-27T17:16Z 281.8K followers, 10.4K engagements
"Your [----] Resolution should be excellent credit. Let's go Don't waste more time MSG "800" to start with my $2 down credit repair program Your [----] Resolution is: Excellent Credit Remove the following: Collections Charge-Offs Medical Bills Late Payments Hard Inquiries Bankruptcy Child Support Don't waste more time MSG "800" to start with my $2 down credit repair program Your [----] Resolution is: Excellent Credit Remove the following: Collections Charge-Offs Medical Bills Late Payments Hard Inquiries Bankruptcy Child Support"
TikTok Link 2023-11-01T13:48Z 487.1K followers, 11.4K engagements
"Be careful of zombie debts Credit Tip 💯 Zombie debts and collections and why you should be aware Wait for the statute of limitations Credit Tip 💯 Zombie debts and collections and why you should be aware Wait for the statute of limitations"
TikTok Link 2023-11-09T20:54Z 308.8K followers, 53.2K engagements
"If you are a bank of America customer you need to check your credit Check your credit reports immediately for reported false information If you have BANK OF AMERICA The CFPB just fined BOA $12000000 for sending false information to the credit bureaus Check your credit reports immediately for reported false information If you have BANK OF AMERICA The CFPB just fined BOA $12000000 for sending false information to the credit bureaus"
TikTok Link 2023-12-06T17:59Z 497.8K followers, 17.4K engagements
"Credit repair in [----] Fix your credit and remove all negative items #1 Goal for you in [----] should be: You can use this code to dispute anything on your credit [--] USC 1681i Fix your credit and remove all negative items #1 Goal for you in [----] should be: You can use this code to dispute anything on your credit [--] USC 1681i"
TikTok Link 2023-12-11T17:26Z 251.7K followers, 28.6K engagements
"Open status on a collection account Beware of collection accounts reporting as "OPEN" Credit Tip 💯 Open status for collections is an inaccurate reporting. Should say either CLOSED or SOLD. You can get it disputed and deleted Beware of collection accounts reporting as "OPEN" Credit Tip 💯 Open status for collections is an inaccurate reporting. Should say either CLOSED or SOLD. You can get it disputed and deleted"
TikTok Link 2023-12-27T15:05Z 317.5K followers, 59.8K engagements
"Collections with one month term Credit Tip 💯 Collection accounts reporting as "ONE MONTH TERM" This is a factual error Dispute and delete Purchased debt have no terms or agreement. Collection accounts should not have one month terms Credit Tip 💯 Collection accounts reporting as "ONE MONTH TERM" This is a factual error Dispute and delete Purchased debt have no terms or agreement. Collection accounts should not have one month terms"
TikTok Link 2023-12-28T16:08Z 308.8K followers, 21.7K engagements
"Collection accounts marked as late How can this be Collection accounts are not like the original creditor accounts. You did not open an account with the collection agency Dispute to get them deleted Accounts reporting as "120 days late" Collection Hack💯 How can this be Collection accounts are not like the original creditor accounts. You did not open an account with the collection agency Dispute to get them deleted Accounts reporting as "120 days late" Collection Hack💯"
TikTok Link 2024-01-01T14:24Z 489.1K followers, 38.4K engagements
"Equifax loophole with late payments Equifax loophole 💯 Payment status incomplete Equifax does this and worse when there is no payment history to support the payment status. It is an incomplete record and MUST BE DELETED Dispute the account status VERY IMPORTANT Equifax loophole 💯 Payment status incomplete Equifax does this and worse when there is no payment history to support the payment status. It is an incomplete record and MUST BE DELETED Dispute the account status VERY IMPORTANT"
TikTok Link 2024-01-04T17:40Z 431.3K followers, 15.1K engagements
"Do not verify anything with a collection agency Do not ever verify anything with a collection agency Credit Tip💯 Portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital Do not ever verify anything with a collection agency Credit Tip💯 Portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital"
TikTok Link 2024-01-25T13:22Z 493.6K followers, 270.6K engagements
"Portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital in the state of NY Collection Tip 💯 If you have collections from Portfolio Recovery Associates Midland Credit Jefferson Capital LVNV FUNDING And you in the state of NY Statute of limitations for debt collections is [--] years. This means after [--] years from the last payment made the collection agency can no longer sue you for the debt Collection Tip 💯 If you have collections from Portfolio Recovery Associates Midland Credit Jefferson Capital LVNV FUNDING And you in the state of NY Statute of limitations for debt"
TikTok Link 2024-01-28T19:55Z 488.9K followers, 18K engagements
"3 credit building tools [--]. KOVO 2.SELF [--]. CHIME [--] credit building tools you should use [--]. KOVO 2.SELF [--]. CHIME [--] credit building tools you should use"
TikTok Link 2024-02-01T21:13Z 498.5K followers, 16.7K engagements
"Portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital in the state of Pennsylvania Collection Tip 💯 If you have collections from Portfolio Recovery Associates LVNV FUNDING Midland Credit Jefferson Capital And you are in the state of Pennsylvania Statute of limitations for debt collections is [--] years. This means after [--] years from the last payment made the collection agency can no longer sue you for the debt Collection Tip 💯 If you have collections from Portfolio Recovery Associates LVNV FUNDING Midland Credit Jefferson Capital And you are in the state of Pennsylvania"
TikTok Link 2024-02-02T14:55Z 499K followers, 16.1K engagements
"Collection accounts with inaccurate balances Collection Tip 💯 If you have a collection from Portfolio Recovery Associates Midland Credit Jefferson Capital LVNV FUNDING And your accounts are reported with incorrect balance You can dispute it and get it removed using [--] USC 1692g. Collection Tip 💯 If you have a collection from Portfolio Recovery Associates Midland Credit Jefferson Capital LVNV FUNDING And your accounts are reported with incorrect balance You can dispute it and get it removed using [--] USC 1692g"
TikTok Link 2024-02-12T17:09Z 282.5K followers, 26.2K engagements
"charge-offs are income. Congress says no income can be reported on your Consumer Credit reports. go read it on [--] USC [----] Charge-off as income. Income cannot be reported on your consumer credit report Credit Tip 💯 Charge-off as income. Income cannot be reported on your consumer credit report Credit Tip 💯"
TikTok Link 2024-03-04T15:43Z 398.7K followers, 35.4K engagements
"Diversified Credit mix by having different types of credit accounts you can benefit your scores by demonstrating your ability to manage credit products responsibly. Rental Kharma can help offset the impact of negative items. Improving your credit and credit worthing by reporting your housing RENT This is 👑 Improving your credit and credit worthing by reporting your housing RENT This is 👑"
TikTok Link 2024-03-08T21:54Z 490.8K followers, 33K engagements
"helps you create more effective disputes. through proof of concept dedication to Innovation on unwavering commitment to community credit dispute Purpose Driven Vision has come to flirtation. groundbreaking artificial intelligence designed to help consumers improve their credit reports There is multiple ways for consumers to dispute all negative items on their credit. Which do you prefer 100% Customized dispute letters with a credit specialist Ai Credit Disputer Vs What would you use There is multiple ways for consumers to dispute all negative items on their credit. Which do you prefer 100%"
TikTok Link 2024-03-12T20:23Z 494.6K followers, 10.4K engagements
"What is the difference between a closing date and a due date The closing date is the last day in a billing cycle and the due date is when a payment is due on your credit card usually about one month after the closing date. As an example if your closing date is June [--] [----] your credit card statement may arrive on June [--] [----]. The statement could show a payment due date of July [--] [----]. Statement closing date The statement" closing date is sometimes used to describe the closing date of your billing cycle. The term may be different but the concept is the same. This is the final day of a billing"
TikTok Link 2024-03-15T13:04Z 462K followers, 105.1K engagements
"fraud protection - credit cards generally offer better fraud protection policies than debit cards. if your credit card is stolen and fraudulent charges occur you have stronger liability protections under federal law compared to a debit card link to your bank account. using a credit card responsibly and paying it off monthly helps build your credit score over time. debit cards do not report to the credit bureaus Debit cards vs Credit Cards Listen up on why you should always use your credit cards and not your debit cards Debit cards vs Credit Cards Listen up on why you should always use your"
TikTok Link 2024-03-18T13:11Z 490.5K followers, 46.9K engagements
"These collection agencies can literally sue you Collection agencies that can sue you if you do not force them to validate the debt Collection Tip 💯 - Portfolio Recovery Associates - Midland Credit Management - LVNV Funding - Jefferson Capital Always challenge the debt by using a 1692g Collection agencies that can sue you if you do not force them to validate the debt Collection Tip 💯 - Portfolio Recovery Associates - Midland Credit Management - LVNV Funding - Jefferson Capital Always challenge the debt by using a 1692g"
TikTok Link 2024-03-26T14:38Z 310.9K followers, 201.3K engagements
"Which super car option would you choose Renting or Buying Which is better Supercars Tip 🚗 Renting or Buying Which is better Supercars Tip 🚗"
TikTok Link 2024-03-27T15:38Z 310.9K followers, [----] engagements
"inform them that you know your fdcpa rights and their threats are illegal. debt collectors cannot threaten you with jail time for not paying a civil debt. these debts can be credit card debts medical bills or personal loans. A debt collector is threatening you with jail time if you don't pay your debt Collection Tip 💯 Midland Credit Management does this occasionally A debt collector is threatening you with jail time if you don't pay your debt Collection Tip 💯 Midland Credit Management does this occasionally"
TikTok Link 2024-03-29T15:22Z 489.1K followers, 15.5K engagements
"Massive benefits starting your own business #businesscredit You should not buy things under your personal credit Credit Tip Do this instead [--]. Create an LLC /Corp with a low risk Name [--]. Setup your EIN and apply for No DOC funding [--]. Get funded and run everything through your business [--]. Invest your profits back into the business write off expenses ask for more funding This is how the wealthy do it. If you need help let me know You should not buy things under your personal credit Credit Tip Do this instead [--]. Create an LLC /Corp with a low risk Name [--]. Setup your EIN and apply for No DOC"
TikTok Link 2024-03-31T15:36Z 462K followers, 24.4K engagements
"What codes to use when disputing to remove negative items on your credit What codes to dispute with to remove negative items on your credit Credit Tip 💯 Inquiries: [--] USC 1681i Charge-Offs: [--] USC CODE 1681S-2 Collections: [--] USC 1692g Student loans: [--] USC 1681C-2 Bankruptcy: Lexisnexis dispute Dispute with all [--] bureaus What codes to dispute with to remove negative items on your credit Credit Tip 💯 Inquiries: [--] USC 1681i Charge-Offs: [--] USC CODE 1681S-2 Collections: [--] USC 1692g Student loans: [--] USC 1681C-2 Bankruptcy: Lexisnexis dispute Dispute with all [--] bureaus"
TikTok Link 2024-03-31T20:55Z 493.5K followers, 25.8K engagements
"Does Tesla have their own financing Tesla doesn't have a minimum credit score requirement for financing. You just need to provide proof of income and employment Are you buying Tesla Tesla offera their own financing which is much more competitive than other banks Tesla doesn't have a minimum credit score requirement for financing. You just need to provide proof of income and employment Are you buying Tesla Tesla offera their own financing which is much more competitive than other banks"
TikTok Link 2024-04-06T20:39Z 267.6K followers, 412.2K engagements
"TESLA has a no minimum credit score requirement. Of course with better scores you get better APR. Maybe it's time to get a cyber truck"
TikTok Link 2024-04-09T13:43Z 494.5K followers, 53.5K engagements
"This will drive them crazy It works for Portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital and any other collection debt agency 👍 If you have a hard time with Portfolio Recovery Associates lvnv funding Midland Credit Management Collection Tip 👍 To get them off your back ask the for the 'CANCELATION OF DEBT' and they won't be able to provide it 99% of the time they don't have this document If you have a hard time with Portfolio Recovery Associates lvnv funding Midland Credit Management Collection Tip 👍 To get them off your back ask the for the 'CANCELATION OF DEBT'"
TikTok Link 2024-04-25T16:46Z 316.2K followers, 64.3K engagements
"Myth and truth when it comes to debt collectors Can a debt collector call you at work Can a debt collector garnish your wages Very important 📌 Not even portfolio Recovery Associates has the authority to do aby of those DM or Comment '800' for credit repair Can a debt collector call you at work Can a debt collector garnish your wages Very important 📌 Not even portfolio Recovery Associates has the authority to do aby of those DM or Comment '800' for credit repair"
TikTok Link 2024-04-28T20:48Z 489.2K followers, 18.1K engagements
"Follow for more credit tips ✅ We should not let the credit bureaus do what they do. They are incredibly deceptive keeping negative data about us and profiting off our misery. Experian Transunion Equifax are all on it. I personally think it's time for the system to change and hold these guys accountable. If you need help with your credit let me know. Exposing the credit bureaus These bureaus are known to have deceptive practices Exposing the credit bureaus These bureaus are known to have deceptive practices"
TikTok Link 2024-05-11T12:23Z 323.3K followers, [----] engagements
"If you have collections from Portfolio Recovery associates Midland credit management lvnv funding Jefferson capital. Do this ASAP Debt validation and how you don't have to pay a debt when the collection agency fails to validate If only you knew this before you had to settle with debt agents blindly Debt validation and how you don't have to pay a debt when the collection agency fails to validate If only you knew this before you had to settle with debt agents blindly"
TikTok Link 2024-05-19T14:09Z 398.7K followers, 20.6K engagements
"if you have a collection agency and the collection agency have failed to validate the debt you no longer owe them anything and the reason why they cannot provide enough proof that this that is yours. so if you have collections from Portfolio Recovery associates Midland credit Jefferson capital lvnv make sure you ask them to validate the debt and provide you with the purchase agreement. Pay attention. You probably do not owe collection agencies anything This might invalidate your debt and you don't have to pay Pay attention. You probably do not owe collection agencies anything This might"
TikTok Link 2024-05-21T13:27Z 490.8K followers, 34.1K engagements
"DM [---] for credit help I'm still trying to figure out why a country with [--] trillion in debt is trying to give me a credit score Do you have the same question Why we have every single credit issue recorded with the credit bureaus I'm still trying to figure out why a country with [--] trillion in debt is trying to give me a credit score Do you have the same question Why we have every single credit issue recorded with the credit bureaus"
TikTok Link 2024-05-28T14:32Z 314.2K followers, 30.5K engagements
"Tesla is offering their own financing with competitive rates. All you need is proof of income Just got off the phone with a Tesla sales rep Tesla is offering 0.99% APR on all brand new Model Y. Tesla doesn't have a minimum credit score requirement for financing. You just need to provide proof of income Tesla financing is much more competitive than other mainstream banks Are you getting a Tesla Just got off the phone with a Tesla sales rep Tesla is offering 0.99% APR on all brand new Model Y. Tesla doesn't have a minimum credit score requirement for financing. You just need to provide proof of"
TikTok Link 2024-05-29T14:51Z 431.3K followers, 24.9K engagements
"if a collection agency calls you do not share any information that will help them validate that for you. save this video and memorize what I'm going to say. this video will help you whenever a collection agency calls you. if you need help with your credit let me know If a collection agency calls you. Here is how you should respond Save this video and save what I am going to say If a collection agency calls you. Here is how you should respond Save this video and save what I am going to say"
TikTok Link 2024-06-21T19:35Z 497.9K followers, 64K engagements
"if the debt collector is collecting a debt related to Consumer Financial product or service as defined in section [------] f the name of the Creditor to whom the debt was owed on the itemization that. if they fail to validate you don't owe that since they failed to prove that that is yours DON'T EVER PAY COLLECTIONS Let me explain why If a collection agency CANNOT provide you with: - name of the creditor - amount you owe - date you entered into financial agreement - your right to dispute the debt - purchase agreement YOU DON'T OWE THEM A DEBT cause they failed to prove the debt is yours Dispute"
TikTok Link 2024-07-06T00:25Z 315K followers, 85.7K engagements
"If you collections From Portfolio Recovery associates Midland credit management lvnv funding Jefferson capital. Do this to save yourself The #1 Mistake People Do Don't allow collection agencies do this to you The #1 Mistake People Do Don't allow collection agencies do this to you"
TikTok Link 2024-07-07T14:03Z 285.5K followers, 459.6K engagements
"Uber and Lyft driver secure $32.50 an hour minimum wage in massachusetts. the companies agree to adopt an hourly minimum pay standard for Massachusetts drivers and pay $175 million to settle a loss with by the state attorney general and Legend the improperly treated drivers as independent contractors who can legally receive lower compensation than employees. Uber and Lyft Drivers are getting paid $32.50 now as a minimum wage Drivers now are getting better pay than teachers No more independent contractors Uber and Lyft Drivers are getting paid $32.50 now as a minimum wage Drivers now are"
TikTok Link 2024-07-08T18:01Z 497.4K followers, 24K engagements
"so you've worked to put it together sent a certified mail and Experian has ignored your credit report dispute leaving you frustrated and unsure of what to do next. don't worry there are several steps you can take to make sure you're dispute gets the attention it deserves. this would work not only with Experian but every other credit bureau out there you just need to know how to follow the right steps to get these negative items removed Ignored Credit Report Dispute with Experian Learn how to fight back and win Save for later 📌 Ignored Credit Report Dispute with Experian Learn how to fight"
TikTok Link 2024-07-15T15:02Z 493.6K followers, 12.5K engagements
"if you have a collection with Portfolio Recovery Associates and they are calling you non-stop to the point that it has become annoying and frustrating this is what you need to do to take care of this issue. you need help with your credit let me know How do I deal with Portfolio Recovery Associates and have them stop calling me. I also want to take them to court Collection Tip 📌 Save for later How do I deal with Portfolio Recovery Associates and have them stop calling me. I also want to take them to court Collection Tip 📌 Save for later"
TikTok Link 2024-08-01T17:39Z 462K followers, [----] engagements
"the credit time clock is a powerful force in shaping your credit profile. by understanding how time affects your credit score you can make informed decisions and develop strategies to improve your credit worthiness. remember good credit habits combined with patients can lead to significant improvements over time. whether you're recovering from past credit mistakes or building credit from scratch keep the credit time clock in mind. with consistent effort and the passage of time you can achieve the credit score you desire and unlock better Financial opportunities The Credit Time Clock:"
TikTok Link 2024-08-08T14:26Z 462K followers, [----] engagements
"Don't do this mistake #creditrepair Collections agencies do not pay the original creditors when a debt has been charged off Your original business is not with the collection agency What should you do Collections agencies do not pay the original creditors when a debt has been charged off Your original business is not with the collection agency What should you do"
TikTok Link 2024-08-14T16:32Z 397.2K followers, 632.9K engagements
"The Brief A hacking group called USDoD claims to have stolen [---] billion records of personal information from Americans including their Social Security numbers and physical addresses. USDoD offered to sell the stolen records which included personal data for everyone in the US UK and Canada to a forum of hackers. The data was stolen from National Public Data a platform that offers personal information to employers private investigators staffing agencies and others doing background checks. [---] Billion accounts hacked Every American's Social Security number address may have been stolen in this"
TikTok Link 2024-08-15T13:01Z 310.9K followers, 109.1K engagements
"only legal the right to that validation is provided by the fair debt collection practices act the fdcpa a federal law that protects consumers from abusive debt collection practices. you have [--] days from the first Contact by debt collector to request that validation in writing. what you need to request for is name and address of the original creditor I'm on to the debt proof that the collection agency has the right to collect the debt any judgments obtained proof the debt hasn't passed the statute of limitations How to Legally Challenge Collection Agencies and Protect your Rights This is how"
TikTok Link 2024-08-19T17:07Z 498.6K followers, 13.2K engagements
"I wrote lyrics. Can someone out there rap #creditrepair #hiphop "What's the Point of That Credit Score Anyway" Verse 1: They tell us to keep that credit score so high But what good will it do when the economy's in a tie When the jobs dry up and the banks all go under That magical number won't stop you from going six feet under. Chorus: Your credit score your credit score What's the use of it anymore When the system comes crashing down That number won't keep a roof over your head in town. Verse 2: They say pay your bills on time don't ever be late But when hyperinflation's the new state That"
TikTok Link 2024-08-21T14:01Z 310.9K followers, [----] engagements
"If you have collections from Portfolio Recovery associates Midland credit management lvnv funding Jefferson capital or any other collection agency. Listen up. #creditrepair Collection Tip 💯 What happens if the collection agency fails to validate my debt If they fail to validate your debt the collection agency can no longer force your to pay the debt nor take you to court. They should also remove it off your credit report per the FDCPA DM [---] to delete collections Collection Tip 💯 What happens if the collection agency fails to validate my debt If they fail to validate your debt the"
TikTok Link 2024-08-21T16:00Z 310.9K followers, 32.1K engagements
"When debt collectors fail to validate documents you ask them for. You don't owe them anything #creditrepair I asked a debt collector for these [--] documents [--]. Name of the original creditor [--]. Proof collection agency has the right to collect the t [--]. Proof of debt hasn't passed the statute of limitations [--]. Last payment received on the claimed account Now my client doesn't owe them any money cause they failed to provide [--] of these documents DM [---] for credit help I asked a debt collector for these [--] documents [--]. Name of the original creditor [--]. Proof collection agency has the right to collect"
TikTok Link 2024-08-23T14:27Z 308.8K followers, 119.8K engagements
"The FDCPA prohibits debt collectors from contacting consumers at times known to be inconvenient which is generally considered to be before [--] AM or after [--] PM local time. Contacting a consumer after [--] PM is typically a violation of the FDCPA unless the consumer has explicitly given permission to be contacted during those hours. Some key points about this type of violation: [--]. It's considered harassment and an unfair practice under the FDCPA. [--]. Consumers have the right to sue debt collectors who violate this rule. [--]. Damages can be awarded for actual financial losses statutory damages up to"
TikTok Link 2024-08-31T16:05Z 308.8K followers, 15.6K engagements
"Should you finance a car with bad credit #creditrepair #carfinance Should you finance a car with bad credit Or lease What to do How to approach What's the alternative Should you finance a car with bad credit Or lease What to do How to approach What's the alternative"
TikTok Link 2024-09-01T13:36Z 308.8K followers, [----] engagements
"3 credit cards if you have bad credit #creditrepair [--] Credit Cards you can get even if your credit score is trashed DM [---] for credit fix [--] Credit Cards you can get even if your credit score is trashed DM [---] for credit fix"
TikTok Link 2024-09-08T19:02Z 308.8K followers, 31.2K engagements
"I'd you have late payments from Capital One Chase Wells Fargo American Express Bank of America. Use this method to delete them Late payment Tip 💯 If you have late payments from Capital One Chase Wells Fargo American Express Bank of America This is how you will delete them: Dispute the CMI of your Dispute using [--] usc 1666b Dispute using [--] usc 1637a-a DM [---] to delete late payments Late payment Tip 💯 If you have late payments from Capital One Chase Wells Fargo American Express Bank of America This is how you will delete them: Dispute the CMI of your Dispute using [--] usc 1666b Dispute using"
TikTok Link 2024-09-10T13:29Z 308.8K followers, 22.2K engagements
"if you are looking to start a business here are three great business ideas that are Recession Proof [--] Recession Proof Businesses you can start #3 you can run remotely [--] Recession Proof Businesses you can start #3 you can run remotely"
TikTok Link 2024-09-13T20:51Z 431.3K followers, 11.1K engagements
"Stop doing this 3rd party credit reporting agencies mistake DM [---] for credit help DM [---] for credit help"
TikTok Link 2024-09-17T16:51Z 310.9K followers, 23.4K engagements
"Works for portfolio recovery associates midland credit management lvnv funding Jefferson capital and more You can potentially not owe them a debt Ask the debt collector for these [--] items. If they fail to provide any of or all.you don't owe them the debt and they have to remove it from your credit report Collection Tip 💯 [--]. Name and address of the original creditor [--]. Amount of debt [--]. Proof that the collection agency has the right to collect the debt [--]. Any judgments obtained [--]. Proof that the statute of limitations is not expired DM [---] to delete collections Ask the debt collector for these"
TikTok Link 2024-10-15T17:47Z 308.8K followers, [----] engagements
"Works with all debt collectors #creditrepair How to not pay debt collectors and bypass any failed validation debts If they fail you don't owe the debt Works with all debt collectors and collections ❌❌❌ How to not pay debt collectors and bypass any failed validation debts If they fail you don't owe the debt Works with all debt collectors and collections ❌❌❌"
TikTok Link 2024-10-15T19:43Z 491.7K followers, 22.8K engagements
"Let's go DM [---] for credit help If a collection is reporting as "open" or "late" on your credit report that's a violation and must be deleted Collection Tip 📌 Dispute using [--] usc 1692g to delete it DM [---] for credit help If a collection is reporting as "open" or "late" on your credit report that's a violation and must be deleted Collection Tip 📌 Dispute using [--] usc 1692g to delete it DM [---] for credit help"
TikTok Link 2024-10-31T20:48Z 493.7K followers, 26.4K engagements
"If you are getting sued. By a debt collector Are you getting sued by Portfolio Recovery Associates Are you getting sued by Portfolio Recovery Associates"
TikTok Link 2024-11-01T13:11Z 310.9K followers, [----] engagements
"How to delete old closed accounts on your credit report #creditrepair Make sure you do each step to get the closed accounts removed Make sure you do each step to get the closed accounts removed"
TikTok Link 2024-11-06T18:48Z 431.3K followers, 12.6K engagements
"Late payment reporting different on credit bureaus #creditrepair Late payments reporting different on credit bureaus. What do I do Do you have this issue Late payments reporting different on credit bureaus. What do I do Do you have this issue"
TikTok Link 2024-11-08T17:44Z 314.2K followers, [----] engagements
"This will not improve your credit scores #creditrepair This strategy will not improve your credit scores This strategy will not improve your credit scores"
TikTok Link 2024-11-09T18:48Z 398.7K followers, 10.7K engagements
"What do I do if I am getting sued by a debt collector #creditrepair If you are getting sued by a debt collector Don't let collection agencies like Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital Garnish your wages You can do several things: [--]. Reply to the debt lawsuit [--]. Force lawsuit put of court [--]. Respond to collection letter [--]. Ask for debt validation If you are getting sued by a debt collector Don't let collection agencies like Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital Garnish your wages You can do"
TikTok Link 2024-11-11T15:27Z 314.8K followers, 149K engagements
"Do i need to pay collections #creditrepair Do not pay collections with your hard earned money Do not pay collections with your hard earned money"
TikTok Link 2024-11-13T16:28Z 398.7K followers, [----] engagements
"The collection agency can't collect any money from you if they cannot prove the debt #creditrepair You don't owe collections anything You don't owe collections anything"
TikTok Link 2024-11-15T14:49Z 478.7K followers, 122.3K engagements
"How to get around stall letters from the credit bureaus. Don't fall for the stall tactics #creditrepair Can you sue the credit bureaus if they send you a STALL LETTER How to get around it Can you sue the credit bureaus if they send you a STALL LETTER How to get around it"
TikTok Link 2024-11-22T15:25Z 398.7K followers, 11.3K engagements
"Elon Musk is making some serious initiatives as soon as the next Administration is in office. considering both the cfpb and the IRS is a bold move. what do you think of this What do you think of this Leave a comment What do you think of this Leave a comment"
TikTok Link 2024-11-27T22:15Z 316.2K followers, [----] engagements
"How long is the statute of limitations in Florida for credit card debt If you live in Florida what is the statue of limitations on credit card debt The Statute of Limitations for Credit Card debt in Florida is [--] years. The Statute of Limitations expiration date is November [--] [----]. Exceptions and nuances may apply. You should check your state's law to be sure: Fla. Stat. 95.11(2) I'd you need help with your credit let me know If you live in Florida what is the statue of limitations on credit card debt The Statute of Limitations for Credit Card debt in Florida is [--] years. The Statute of"
TikTok Link 2024-11-30T19:49Z 462K followers, 21.4K engagements
"The dispute law to rule them all The one thing to use to dispute anything on your credit report The one thing to use to dispute anything on your credit report"
TikTok Link 2024-12-02T20:36Z 316.2K followers, 10.5K engagements
"Charge off with an open status Charge off with an OPEN status What's needs to be done Charge off with an OPEN status What's needs to be done"
TikTok Link 2024-12-05T23:47Z 490.4K followers, 20K engagements
"if you get served by collection agency like Portfolio Recovery Associates or Midland credit management do not ignore it it is very important that you respond to the lawsuit Sued by a collection agency Sued by a collection agency"
TikTok Link 2024-12-06T16:37Z 317.5K followers, 15.1K engagements
"Don't Pay Collections Without Validation If a debt collector contacts you demanding payment on an alleged debt remember: you have rights. The Fair Debt Collection Practices Act (FDCPA) requires collectors to validate the debt upon request. If they fail to provide proper validation it's wise not to pay. Why: [--]. Lack of proof: Without validation you can't be certain the debt is yours or accurate. [--]. Potential scams: Unverified debts may be phantom debts or scams. [--]. Resetting the clock: Paying an unvalidated debt can restart the statute of limitations allowing collectors to pursue you"
TikTok Link 2024-12-10T01:11Z 317.1K followers, [----] engagements
"CFPB and collection agency interest rates #creditrepair Illegal Collection agency interest fees What do you need to do Illegal Collection agency interest fees What do you need to do"
TikTok Link 2024-12-13T14:58Z 484.3K followers, [----] engagements
"How to delete a charge off with a 1099c One of many ways to remove a CHARGE OFF that is on your credit report ❌❌❌ One of many ways to remove a CHARGE OFF that is on your credit report ❌❌❌"
TikTok Link 2024-12-13T20:36Z 317.5K followers, [----] engagements
"Credit Score: Aim for a credit score of [---] or higher to qualify for the best mortgage rates; check your credit report for errors and work to improve your score by making timely payments on all debts Less than [--] days for [----] Are you doing what's needed to purchase a home next year The most important thing is Credit Score: Aim for a credit score of [---] or higher to qualify for the best mortgage rates; check your credit report for errors and work to improve your score by making timely payments on all debts Less than [--] days for [----] Are you doing what's needed to purchase a home next year The"
TikTok Link 2024-12-14T18:08Z 317.5K followers, [----] engagements
"Replying to @alextafolla13 what should you do when Midland credit management does this to start you #creditrepair"
TikTok Link 2024-12-15T22:30Z 490.1K followers, 23K engagements
"Credit cards that don't hesitate to sue you Credit cards that can take you to court Credit cards that can take you to court"
TikTok Link 2024-12-17T18:10Z 484.3K followers, 10.2K engagements
"Replying to @djgojabean you have to fight it and dispute #creditrepair Always make sure you dispute against portfolio recovery associates midland credit management lvnv funding Jefferson capital"
TikTok Link 2024-12-23T14:25Z 431.3K followers, 147.9K engagements
"Replying to @soniavalentin530 original creditors can easily validate the debt #creditrepair"
TikTok Link 2024-12-26T17:51Z 317.5K followers, 19.7K engagements
"Replying to @baby_j_1430 is a debt collection agency threatening you to go to jail #creditrepair Warrant is active Warrant is active"
TikTok Link 2024-12-27T16:12Z 491.7K followers, 61.8K engagements
"Your goals for the year [----] #creditrepair YOUR GOALS FOR [----] 800+ CREDIT SCORES YOUR GOALS FOR [----] 800+ CREDIT SCORES"
TikTok Link 2024-12-31T16:18Z 431.3K followers, [----] engagements
"Are creditors allowed to Garnish your wages for a credit card debt #creditrepair Is credit card garnishment allowed in Texas Is credit card garnishment allowed in Texas"
TikTok Link 2024-12-31T21:03Z 462K followers, 52.5K engagements
"If you are getting sued by a debt collector like Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital credence capital. Respond ASAP #creditrepair Many individuals I know are getting sued by debt collectors like Portfolio Recovery Associates Midland credit management I tell them to use Solo Suit to beat these collection agencies and respond to the lawsuits they received I made it very simple for everyone. You can find it in my bio Many individuals I know are getting sued by debt collectors like Portfolio Recovery Associates Midland credit management I tell"
TikTok Link 2025-01-03T18:11Z 494.6K followers, 40.9K engagements
"Replying to @alysamcanally how to dispute Midland credit management and win #creditrepair"
TikTok Link 2025-01-04T18:24Z 490.2K followers, [----] engagements
"Lvnv funding is one of the most active debt collectors #creditrepair After reviewing thousands of credit reports. I have noticed that people tend to have collections reported from LVNV FUNDING the most You need to dispute using [--] usc 1692g to delete it Dispute the MCB furnishings After reviewing thousands of credit reports. I have noticed that people tend to have collections reported from LVNV FUNDING the most You need to dispute using [--] usc 1692g to delete it Dispute the MCB furnishings"
TikTok Link 2025-01-05T17:58Z 478.7K followers, 15K engagements
"Debt collectors like Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital. Will most likely sue you if you don't dispute and force validation #creditrepair These debt collection agencies will most likely sue you if you don't force them to validate the debt Portfolio Recovery Associates Midland Credit Management Lvnv funding Jefferson Capital Always force validation and dispute the CMI of your profile These debt collection agencies will most likely sue you if you don't force them to validate the debt Portfolio Recovery Associates Midland Credit Management Lvnv"
TikTok Link 2025-01-08T14:45Z 431.3K followers, 68.3K engagements
"Ask the debt collector for these [--] items. This is a must do #creditrepair"
TikTok Link 2025-01-09T00:46Z 398.7K followers, 108.6K engagements
"cfpb Sue's Experian for sham investigations of credit report errors. Experian does not properly investigate disputes and fails to remove or reinsert errors on reports threatening consumers across to credit employment and housing.#creditrepair This is a HUGE mistake This is a HUGE mistake"
TikTok Link 2025-01-09T14:06Z 495K followers, 23.1K engagements
"How to respond to debt lawsuit from Portfolio Recovery associates Midland credit Jefferson capital #creditrepair If you are getting sued by Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital Do this ASAP Solo Suite If you are getting sued by Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital Do this ASAP Solo Suite"
TikTok Link 2025-01-10T16:18Z 497.3K followers, 836.5K engagements
"Always ask the debt collector to provide you with the purchase agreement #creditrepair Always ask the debt collector for the "purchase agreement" Always ask the debt collector for the "purchase agreement""
TikTok Link 2025-01-12T15:07Z 462K followers, 12.2K engagements
"Now is a golden opportunity to get negative items deleted. Experian is being sued by the CFPB #creditrepair If you have collections from Portfolio Recovery associates Midland credit management lvnv funding Jefferson capital Now is the perfect time to get them deleted cause EXPERIAN is getting sued by the CFPB for sham investigations Ask them for the "method of validation" to get the negative reporting removed If you have collections from Portfolio Recovery associates Midland credit management lvnv funding Jefferson capital Now is the perfect time to get them deleted cause EXPERIAN is getting"
TikTok Link 2025-01-13T15:50Z 462K followers, 56.9K engagements
"How to delete those annoying late Payments #creditrepair When [--] [--] [--] day late Payments hit your credit but you aren't worried cause you know how to dispute and delete the them Dispute the CMI of your profile Dispute using [--] usc 1666b Dispute the MCB furnishings Comment "800" to delete late payments When [--] [--] [--] day late Payments hit your credit but you aren't worried cause you know how to dispute and delete the them Dispute the CMI of your profile Dispute using [--] usc 1666b Dispute the MCB furnishings Comment "800" to delete late payments"
TikTok Link 2025-01-14T13:34Z 489.4K followers, 16K engagements
"Experian sued by the CFPB and they are removing negative items quicker #creditrepair Experian sued by the CFPB This is a golden opportunity to remove everything negative on your credit report Use the correct consumer law codes Experian sued by the CFPB This is a golden opportunity to remove everything negative on your credit report Use the correct consumer law codes"
TikTok Link 2025-01-15T14:31Z 462K followers, 55.9K engagements
"Capital one sued by the CFPB"
TikTok Link 2025-01-16T16:07Z 323.3K followers, 23.8K engagements
"Dispute the method of verification with Experian ASAP to get the negative items removed"
TikTok Link 2025-01-17T13:34Z 490.8K followers, [----] engagements
"TikTok ban update Update on TikTok ban [--] day extension confirmed Update on TikTok ban [--] day extension confirmed"
TikTok Link 2025-01-18T19:37Z 326.4K followers, 34.9K engagements
"what is the best way to beat a collection agency like Portfolio Recovery associates Midland credit management lvnb funding Jefferson capital well I'm here to tell you the best way to do so is to ask them to provide you with the purchase agreement #creditrepair The best way to beat a collection agency The best way to beat a collection agency"
TikTok Link 2025-01-21T14:11Z 488.8K followers, 27.1K engagements
"Use this 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 Information under FCRA To Whom It May Concern I am disputing inaccurate information on my credit report pursuant to the Fair Credit Reporting Act (FCRA) specifically [--] U.S.C. 1681i(a)(1)(A) and [--] U.S.C. 1681i(a)(5). These provisions require Experian to conduct a reasonable reinvestigation and remove any unverifiable or inaccurate information. The CFPB recently filed a lawsuit against Experian alleging sham investigations"
TikTok Link 2025-01-23T22:47Z 495K followers, 25.4K engagements
"In the United States the statute of limitations (SOL) for credit card debt varies by state. For most states the SOL is typically between [--] to [--] years. However a few states have longer statutes of limitations exceeding [--] years. These states include: States with Statutes of Limitations Over [--] Years: [--]. Maine [--] years [--]. Maryland [--] years (but can be [--] years if it's considered a written contract under certain circumstances). [--]. Massachusetts [--] years written contracts may be different. #creditrepair States with Statutes of Limitations Over [--] Years: [--]. Maine [--] years [--]. Maryland [--] years (but can be"
TikTok Link 2025-01-25T18:00Z 488.8K followers, 11.7K engagements
"if you are getting sued by Portfolio Recovery associates Midland credit management lvnv funding Jefferson capital or Credence capital. do this ASAP and respond to the debt lawsuit so you can get it out of court Anyone getting sued by a debt collection agency Anyone getting sued by a debt collection agency"
TikTok Link 2025-01-27T14:08Z 338.9K followers, 46.1K engagements
"Experian sued by the cfpb so should TransUnion for the same sham practices #creditrepair To Whom It May Concern I am writing to file a formal complaint against TransUnion for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer I have a right under the Fair Credit Reporting Act (FCRA) to have my disputes investigated thoroughly but TransUnion has failed to fulfill this obligation. Over the course of my recent interactions with TransUnion I have noticed a pattern of what I believe to be sham investigations. My disputes regarding"
TikTok Link 2025-01-27T15:31Z 488.8K followers, [----] engagements
"Microsoft just stepped in to acquire TikTok"
TikTok Link 2025-01-28T14:43Z 396.6K followers, [----] engagements
"Do this asap #creditrepair Collection Tip 📌 Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital Collection Tip 📌 Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital"
TikTok Link 2025-01-28T16:00Z 494.7K followers, 30.6K engagements
"Things you need to do asap while disputing reference the cfpb suing Experian #creditrepair Experian failed to properly investigate disputes Experian reinserted inaccurate information after consumers had errors removed Experian failed to forward relevant information to furnishers Experian failed to provide adequate notice to consumers of the outcome of their disputes Why is the CFPB suing Experian Pull your credit reports now and start disputing with the following codes: . 15 U.S.C. 1681i Fair Credit Reporting Act (FCRA) Section 611 **15 U.S.C. 1681e Fair Credit Reporting Act (FCRA)"
TikTok Link 2025-01-29T22:03Z 431.3K followers, 11.6K engagements
"if you have a collection from Portfolio Recovery Associates Midland credit management lvnv funding or any other debt collection agency this is what you need to say to them to scare them and have them remove the negative item off of your credit report Say this to a debt collector and they will be scared and delete your collection Say this to a debt collector and they will be scared and delete your collection"
TikTok Link 2025-01-30T19:48Z 493.7K followers, 21.4K engagements
"If you have this reporting 15 U.S.C. 1681i* This section gives you the right to dispute inaccurate or incomplete information in your credit report. The credit reporting agency must investigate your dispute within [--] days (or [--] days in some cases) and correct or delete inaccurate incomplete or unverifiable information. If you have a collection status that's says "open" or "late" I want you to check your credit report immediately That is an fdpa violation and it needs to be removed from your credit report immediately Dispute the CMI of your profile and use [--] U.S.C. 1681i If you have a"
TikTok Link 2025-02-01T13:44Z 338.9K followers, 10.1K engagements
"24-hour inquiry removal phone script and the speed letter. works for all three credit bureaus. #creditrepair 24hr Inquiry Removal & Phone Script Works for: Experian TransUnion Equifax 24hr Inquiry Removal & Phone Script Works for: Experian TransUnion Equifax"
TikTok Link 2025-02-01T17:17Z 478.7K followers, 61.3K engagements
"Have you don't this big mistake Hope you leaned your lesson #creditrepair Do not do this BIG mistake Collection agencies love when you fall for it Do not do this BIG mistake Collection agencies love when you fall for it"
TikTok Link 2025-02-04T20:23Z 398.7K followers, 19K engagements
"The Experian lawsuit by the cfpb is driving insane results and my letters are yours to use. Linktree in my profile then go to buy me a coffee tab #creditrepair The Experian dispute letter referencing the CFPB lawsuit. My letters are yours to use The Experian dispute letter referencing the CFPB lawsuit. My letters are yours to use"
TikTok Link 2025-02-05T16:14Z 497.2K followers, 47.8K engagements
"what if your dispute letters had superpowers before you send them out and the best part these letters are customized with your detailed specifically they are not General templates. #creditrepair What if your dispute letters had SUPER POWERS before you send them out What if your dispute letters had SUPER POWERS before you send them out"
TikTok Link 2025-02-06T19:08Z 338.9K followers, [----] engagements
"Elon Musk cannot just delete the cfpb Update: The CFPB isn't going anywhere Update: The CFPB isn't going anywhere"
TikTok Link 2025-02-09T00:50Z 338.9K followers, [----] engagements
"This is how you are gonna get your repo car back regardless of who you finance it with. Bank of America Chase Wells Fargo Capital One Repossession "disturbing the peace" How to get your car back Repossession "disturbing the peace" How to get your car back"
TikTok Link 2025-02-09T13:14Z 493.6K followers, 20.6K engagements
"TransUnion failing to meet the CMI requirement TransUnion failing to me the CMI requirement of your profile - Dispute letter TransUnion failing to me the CMI requirement of your profile - Dispute letter"
TikTok Link 2025-02-10T13:25Z 496.9K followers, [----] engagements
Creator
https://lunarcrush.com/api4/public/creator/:network/:id/v1
Get detail information on a specific creator
input parameters:
- network: Provide the network for the creator. One of twitter, youtube, instagram, reddit, or tiktok required
- id: Provide the unique ID or screen name of the creator required
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/2008546467615580160/57KcqsTA_200x200.jpg",
"creator_followers": 234296337,
"creator_rank": 2,
"interactions_24h": 318539577,
"topic_influence": [
{
"topic": "in the",
"count": 294,
"percent": 5.88,
"rank": [--]
}
],
"top_community": [
{
"creator_name": "grok",
"creator_display_name": "Grok",
"creator_avatar": "https://pbs.twimg.com/profile_images/1893219113717342208/Vgg2hEPa_200x200.jpg",
"count": [---]
}
]
}
}
Schema:
- creator_id: The [network]::[unique_id] for the influencer
- creator_name: The unique screen name for the influencer
- creator_display_name: The chosen display name for the influencer if available
- creator_avatar: The URL to the avatar for the creator
- creator_followers: number of followers the account has
- creator_rank: ranking based on all posts in the last [--] hours that have interactions
- interactions_24h: Number of interactions in the last [--] hours
- topic_influence: an array of social topics and the creators ranking on each topic
- topic: LunarCrush social topic. Can only includes letters, numbers, spaces, #, and $
- top_community: an array of the top accounts that have recently mentioned this creator or that this creator has mentioned
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 [--] hours.
input parameters:
- network: Network for the creator. One of twitter, youtube, instagram, reddit, or tiktok required
- id: Unique ID or screen name of the creator required
- start: The start time (unix timestamp) to start at. Will be rounded to the beginning of the day. If the end parameter is not provided it will just be the top posts for this day.
- end: (Optional) The end time (unix timestamp) to stop at. Will be rounded to the end of the day.
Example request:
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creator/twitter/elonmusk/posts/v1
Example response:
{
"data": [
{
"id": "2016130284664598584",
"post_type": "tweet",
"post_title": "Troubling",
"post_created": 1769517892,
"post_sentiment": 3.15,
"post_link": "https://x.com/elonmusk/status/2016130284664598584",
"post_image": null,
"creator_id": "twitter::44196397",
"creator_name": "elonmusk",
"creator_display_name": "Elon Musk",
"creator_followers": 234295932,
"creator_avatar": "https://pbs.twimg.com/profile_images/2008546467615580160/57KcqsTA_200x200.jpg",
"interactions_24h": 0,
"interactions_total": [--------]
}
]
}
Schema:
- id: Unique id of the social post
- post_type: The type of social post
- post_title: The title text of the social post
- post_created: The unix timestamp of our best indication of when the post was created
- post_sentiment: The sentiment of the post is a score between [--] and [--] with [--] being very negative, [--] being neutral, and [--] being very positive. A score of [---] is considered slightly positive.
- post_link: The URL to view the social post on the social network
- post_image: The URL to the primary image for the post if available
- creator_id: The [network]::[unique_id] for the influencer
- creator_name: The unique screen name for the influencer
- creator_display_name: The chosen display name for the influencer if available
- creator_followers: number of followers the account has
- creator_avatar: The URL to the avatar for the creator
- interactions_24h: Number of interactions in the last [--] hours
- interactions_total: Number of total interactions
Topic Creators
https://lunarcrush.com/api4/public/topic/:topic/creators/v1
Get the top creators for a social topic
input parameters:
- topic: Provide the topic to get details for. A topic must be all lower case and can only include letters, numbers, spaces, # and $. required
Example request:
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/topic/bitcoin/creators/v1
Example response:
{
"data": [
{
"creator_id": "twitter::1605310254085980161",
"creator_name": "Bitcoin_Teddy",
"creator_avatar": "https://pbs.twimg.com/profile_images/1739753415134138368/FrWHMAnb_200x200.jpg",
"creator_followers": 74293,
"creator_rank": 1,
"interactions_24h": [-------]
}
]
}
Schema:
- creator_id: The [network]::[unique_id] for the influencer
- creator_name: The unique screen name for the influencer
- creator_avatar: The URL to the avatar for the creator
- creator_followers: number of followers the account has
- creator_rank: ranking based on all posts in the last [--] hours that have interactions
- interactions_24h: Number of interactions in the last [--] hours
Category Creators
https://lunarcrush.com/api4/public/category/:category/creators/v1
Get the top creators for a social category
input parameters:
- category: Provide the category to get details for. A category must be all lower case and can only include letters, numbers, and spaces. required
Example request:
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/category/musicians/creators/v1
Example response:
{
"data": [
{
"creator_id": "youtube::undefined",
"creator_name": "airshowfansh",
"creator_avatar": "https://yt3.ggpht.com/cUuwxYNRoYoO_rnBAgPbze39nOMI_rUq0pVmHiM-Fz40TsRDmv8gZcUxvqxLF_bsGzhdVu4u9A=s88-c-k-c0x00ffffff-no-rj",
"creator_followers": 79600000,
"creator_rank": 1,
"interactions_24h": [---------]
}
]
}
Schema:
- creator_id: The [network]::[unique_id] for the influencer
- creator_name: The unique screen name for the influencer
- creator_avatar: The URL to the avatar for the creator
- creator_followers: number of followers the account has
- creator_rank: ranking based on all posts in the last [--] hours that have interactions
- interactions_24h: Number of interactions in the last [--] hours
Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing