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# ![@clevercapitalfreedom Avatar](https://lunarcrush.com/gi/w:26/cr:tiktok::7120598521980961834.png) @clevercapitalfreedom Clever Credit Guy

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

### Engagements: XXXXXX [#](/creator/tiktok::7120598521980961834/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7120598521980961834/c:line/m:interactions.svg)

- X Week XXXXXXX +0.91%
- X Month XXXXXXXXX +82%
- X Months XXXXXXXXXX -XX%
- X Year XXXXXXXXXX +164%

### Mentions: XX [#](/creator/tiktok::7120598521980961834/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7120598521980961834/c:line/m:posts_active.svg)

- X Week XXX +3.20%
- X Month XXX -XXXX%
- X Months XXX +46%
- X Year XXX +322%

### Followers: XXXXXXX [#](/creator/tiktok::7120598521980961834/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7120598521980961834/c:line/m:followers.svg)

- X Week XXXXXXX +0.29%
- X Month XXXXXXX +1.60%
- X Months XXXXXXX +16%
- X Year XXXXXXX +62%

### CreatorRank: XXXXXXX [#](/creator/tiktok::7120598521980961834/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7120598521980961834/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/tiktok::7120598521980961834/influence)
---

**Social category influence**
[finance](/list/finance)  XXXXX% [ncaa football](/list/ncaa-football)  XXXX% [stocks](/list/stocks)  XXXX% [countries](/list/countries)  XXXX% [technology brands](/list/technology-brands)  XXXX%

**Social topic influence**
[debt](/topic/debt) #204, [finance](/topic/finance) #2576, [asap](/topic/asap) #279, [agencies](/topic/agencies) #160, [student loans](/topic/student-loans) #15, [what to](/topic/what-to) #1081, [credit cards](/topic/credit-cards) #902, [proof of](/topic/proof-of) #387, [student loan](/topic/student-loan) 1.08%, [failed to](/topic/failed-to) XXXX%

**Top accounts mentioned or mentioned by**
[@amarchbbeauty](/creator/undefined) [@1malaplava](/creator/undefined) [@chickapowwow](/creator/undefined) [@ohthatsmsj](/creator/undefined) [@youwoundent](/creator/undefined)

**Top assets mentioned**
[Bank of America (BAC)](/topic/bank-of-america) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Klarna Group (KLAR)](/topic/klarna)
### Top Social Posts [#](/creator/tiktok::7120598521980961834/posts)
---
Top posts by engagements in the last XX hours

"Use my letter to dispute the collection #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7467927142093901087) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-02-05T13:32Z 499.7K followers, 186.9K engagements


"One sentence that can stop a debt collector cold. Hey I'm the clever credit guy coming to you Loki to provide you with real credit game"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7535458758273682718) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-08-06T13:08Z 499.7K followers, 184K engagements


"Debt collectors disappear when you ask for this one thing #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7553730604127341854) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-09-24T18:52Z 499.7K followers, 363.8K engagements


"nelnet allegedly failed to reasonably investigate the consumers disputes and continued to incorrectly report the wrong amount on a monthly installment payment"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7502493601667108127) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-05-09T17:07Z 499.6K followers, 1.6M engagements


"TransUnion suffers data breach impacting over XXX million people #creditrepair #cleverkit #creditscore"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7543796884960218399) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-08-29T00:24Z 499.7K followers, 42.2K engagements


"How to Nuke every single negative item on your credit report with the dosd method #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7556026221780339999) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-09-30T23:21Z 499.6K followers, 33.3K engagements


"These collection agencies are ruthless #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7562310005345570079) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-17T21:45Z 499.7K followers, 23.8K engagements


"Removing collections and charge offs let's go #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7211244777134787886) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2023-03-16T20:32Z 499.3K followers, 220.1K engagements


"How to remove hard inquiries #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7214167723717463342) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2023-03-24T17:35Z 499.3K followers, 44.2K engagements


"How to ask for a 1099c form to dispute a charge off #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7234913256647789866) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2023-05-19T15:18Z 499.4K followers, 497.6K engagements


"This card is amazing. Checkout cred.ai #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7239107727845444910) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2023-05-30T22:35Z 499.3K followers, 24.8K engagements


"You have to do this #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7252775282938055979) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2023-07-06T18:32Z 499.4K followers, 549.1K engagements


"Lvnv funding collection deleted #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7255397155760803118) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2023-07-13T20:06Z 499.3K followers, 34.8K engagements


"Never pay a collection if the debt collector cannot validate. Portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital Spring Oak Capital"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7342909852265631018) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2024-03-05T16:00Z 499.3K followers, 32.5K engagements


"Here's a dispute letter you can use to contest an invalid late payment from Capital One with the credit bureaus: Your Full Name Your Address City State ZIP Code Date Credit Bureau Name Credit Bureau Address City State ZIP Code Re: Dispute of Inaccurate Late Payment Information Dear Sir or Madam I am writing to dispute inaccurate information on my credit report. I recently reviewed my credit report and found the following item to be incorrect: Creditor: Capital One Account Number: Last X digits of your account number Date of Alleged Late Payment: Month/Year of the reported late payment This"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7398637937270852907) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2024-08-02T20:14Z 499.3K followers, 35.7K engagements


"Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital are suing everyone #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7460180996969729310) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-01-15T16:32Z 499.3K followers, 337K engagements


"Woah the end of the department of education"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7483915110508006687) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-03-20T15:33Z 499.4K followers, 208.2K engagements


"How can you remove student loans off your credit report"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7506710687444503839) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-05-21T01:51Z 499.4K followers, 15.7K engagements


"TransUnion is making headlines again for agreeing to pay $XX million class action settlement settlement claims about flawed dispute investigations and automatic credit inquiry reporting. it marks a major victory highlighting TransUnion shortfall in following fcra rules during disputes"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7514058853378559262) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-06-09T21:06Z 499.3K followers, 12.2K engagements


"How to get a charge off deleted #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7535180965367385375) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-08-05T19:11Z 499.4K followers, 26.2K engagements


"Lower your debt to income ratio this way"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7538417600422776094) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-08-14T12:30Z 499.3K followers, 3501 engagements


"Portfolio Recovery Associates reporting exposed #creditrepair #cleverkit"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7558555248361590046) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-07T18:54Z 499.3K followers, 3229 engagements


"Clever Kit Ai Custom letters #creditrepair #cleverkit"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7559232160624807198) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-09T14:41Z 499.4K followers, 1518 engagements


"Responding to a debt lawsuit #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7560485255786794270) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-12T23:44Z 499.3K followers, 6761 engagements


"Ask for this on thing to chase a collection agency away. Portfolio recovery associates midland credit management lvnv funding Jefferson capital"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7560716124690713886) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-13T14:40Z 499.4K followers, 18.9K engagements


"Dispute collections"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7562587192359390495) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-18T15:40Z 499.3K followers, 1413 engagements


"Equifax Transunion Experian just did a major violation #creditrepair #creditrestoration #finance #creditcard #creditscore"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7144023063456386350) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2022-09-16T16:58Z 499.5K followers, 107.9K engagements


"Late payment removal letter #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7252716799505091882) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2023-07-06T14:45Z 499.4K followers, 46.8K engagements


"Portfolio Recovery Associates collections. Do this #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7255010717911403822) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2023-07-12T19:07Z 499.3K followers, 132.8K engagements


"here are some essential documents to request from the debt collector if they need to validate the debt. when dealing with that collectors like Portfolio Recovery Associates in Midland credit management it's crucial to ensure that that is valid and that the collector has the right to collect on it. if you need help with your credit let me know"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7408633080275127595) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2024-08-29T18:40Z 499.4K followers, 35K engagements


"How to dispute a charge off on my credit report #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7437899235472706859) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2024-11-16T15:27Z 499.4K followers, 19K engagements


"Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital and how you can fight back if they are suing you #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7460939031791127838) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-01-17T17:34Z 499.4K followers, 114.3K engagements


"Do this ASAP #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7464317750836514079) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-01-26T20:05Z 499.4K followers, 101.9K engagements


"Respond to a debt lawsuit from Midland Credit Management #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7465393994336406814) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-01-29T17:42Z 499.4K followers, 253.4K engagements


"Send this letter to debt collectors like Portfolio Recovery Associates Midland credit management lvnv funding and see wonders happen #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7468295929720769823) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-02-06T13:23Z 499.4K followers, 140.7K engagements


"how to put a stop to that collections from Portfolio Recovery associates Midland credit management lvnv funding. #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7470896009766374686) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-02-13T13:32Z 499.4K followers, 29.2K engagements


"Failure to Conduct a Reasonable Investigation Law Cited: XX U.S.C. 1681i(a)(1)(A) Failure to Reinvestigate"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7472490892696243487) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-02-17T20:41Z 499.3K followers, 12.5K engagements


"Late payment removal tip with capital one chase Wells Fargo American Express Bank of America #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7473117069668650271) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-02-19T13:11Z 499.4K followers, 861K engagements


"Submit a written request for documentation to remove student loans"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7502043490327563551) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-05-08T12:00Z 499.5K followers, 404.4K engagements


"How to dispute using Clever Kit Ai"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7549946709279919391) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-09-14T14:09Z 499.5K followers, 7235 engagements


"The one system credit bureaus hate for you to discover"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7552287794299784478) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-09-20T21:34Z 499.4K followers, 4869 engagements


"How to handle debt collectors #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7163294435852373294) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2022-11-07T15:21Z 499.6K followers, 112.7K engagements


"How to beat collections in court #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7203089098335079722) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2023-02-22T21:04Z 499.6K followers, 37.4K engagements


"Dispute anything on your credit #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7231247476064275755) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2023-05-09T18:13Z 499.6K followers, 218.1K engagements


"How to dispute a collection with a debt collector #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7270950073100635438) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2023-08-24T18:00Z 499.6K followers, 58.6K engagements


"if you have collections from Portfolio Recovery associates lvnv funding Midland credit management Jefferson capital or any other debt collection agency hear me out. you need to ask for four things that will invalidate that and have them remove it off of your credit report. this is your right under the fair debt collection practices act the fdcpa. the agency must provide this information before continuing with collection efforts"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7356612729664195883) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2024-04-11T14:14Z 499.6K followers, 167.6K engagements


"Do this ASAP to delete collections #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7463472895277141278) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-01-24T13:27Z 499.6K followers, 946.4K engagements


"When sued by Portfolio Recovery Associates Midland credit management lvnv funding Jefferson capital. Capital One Chase Wells Fargo American Express"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7474654948337257759) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-02-23T16:39Z 499.6K followers, 75.6K engagements


"🚨 WAGE GARNISHMENT GOT YOU GHOSTED 👻💸 Ever opened your paycheck and thought "who invited THIS party crasher" Default judgment sneaking into your bank account like that ex who still has your Netflix password 🙄💔 We're not saying appealing wage garnishment is a vibe. BUT IT COULD BE ✨ Imagine telling that default judgment to LITERALLY TAKE SEVERAL SEATS while you: File those sexy appeal papers 📝 Strut into court with receipts ready 💅 Watch your money flow back like the tea it was meant to be 🫖 Don't let the system play you like a $X kazoo The letter turns financial nightmares into"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7476840745639447839) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-03-01T14:01Z 499.6K followers, 62.8K engagements


"Federal student loans in default"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7498038744654630175) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-04-27T17:00Z 499.6K followers, 36.6K engagements


"Klarna losses widen. How to dispute klarna and affirm #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7507358011694845215) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-05-22T19:43Z 499.6K followers, 46K engagements


"Heres the key: every student loan is supposed to have an original signed Master Promissory Note (MPN). 📌 No MPN = No legal proof you owe the debt. 📌 Without proof they cant legally keep reporting it to the credit bureaus. We use advanced dispute strategies under the FCRA and federal student loan laws to demand your servicer produce this document. If they cant (and many cant) the reporting must be deleted. ✅ Works for federal loans including Nelnet & MOHELA. ✅ Targets the weak points they dont want you to know about. ✅ Can eliminate negative student loan entries from your credit. If your"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7538101327302348063) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-08-13T16:03Z 499.6K followers, 7131 engagements


"Mohela student loan transfer will have errors. Fcra errors"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7541482603602332958) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-08-22T18:44Z 499.6K followers, 61.1K engagements


"Imagine finding out your own parents used your SSN and now youre $10000 in debt before you even had a chance to build credit"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7562345098114059533) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-18T00:01Z 499.6K followers, 2733 engagements


"When sued by that collector you have to respond this response includes Portfolio Recovery Associates Midland Credit Management lvnv funding"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7563276414741400862) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-20T12:15Z 499.6K followers, 2737 engagements


"How to remove late payments from your credit report #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7147716934165925166) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2022-09-26T15:52Z 499.6K followers, 740.9K engagements


"Debt collectors hate me #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7252366612286672170) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2023-07-05T16:06Z 499.4K followers, 441.8K engagements


"Use this letter to dispute anything on your credit report"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7290171766897446187) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2023-10-15T13:10Z 499.5K followers, 45.9K engagements


"This works I have tried this method several times successfully with all collections. Especially Portfolio Recovery Associates lvnv funding Midland Credit Jefferson Capital"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7359334866191666478) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2024-04-18T22:18Z 499.5K followers, 30.1K engagements


"Between Kovo self credit strong. Which one is the best credit building tool"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7438724061405990187) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2024-11-18T20:48Z 499.6K followers, 18.7K engagements


"if you are getting sued for credit card debt you can use a motion to compel arbitration that makes it easy to win your case. make the debt collector sweat the motion to compel arbitration will make the collector worry because they might lose the case"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7444274912623070494) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2024-12-03T19:49Z 499.5K followers, 249.1K engagements


"this works with Portfolio Recovery associates Midland credit management lvnv funding Jefferson Capital and many other credit collection agencies in the United States"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7447577743195262238) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2024-12-12T17:25Z 499.4K followers, 21.7K engagements


"Here is the dispute letter to use Your Name Your Address City State ZIP Code Date Experian Information Solutions Inc. Dispute Department Address City State ZIP Code RE: Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act (FCRA) XX U.S.C. 1681i which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau (CFPB) have"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7463112349638036767) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-01-23T14:07Z 499.5K followers, 2.2M engagements


"Your Name Your Address City State ZIP Code Date Experian Information Solutions Inc. P.O. Box 4500 Allen TX 75013 Subject: Round X Dispute: Failure to Conduct Reasonable Investigations as Highlighted in CFPB Lawsuit Dear Experian Dispute Department I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act (FCRA). This letter serves as my formal Round X dispute regarding the following accounts: X. Account Name and Number Brief explanation of the issue e.g. This account is reporting"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7463852243071061278) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-01-25T14:00Z 499.4K followers, 46.2K engagements


"Portfolio Recovery Associates Midland credit management lvnv funding. Motion to compel arbitration motion to dismiss"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7511120515893824798) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-06-01T23:03Z 499.6K followers, 46.7K engagements


"while student loan services like mohela nelnet advantage and the financial are getting sued it is very important to take notice that this is a golden opportunity for you to delete student loans off of your credit report"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7521010573237128478) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-06-28T14:42Z 499.5K followers, 1.5M engagements


"Everyone has been asking me to provide an advantage to remove student loans off of the credit reports. Now is the perfect time as Advantage is undergoing a class action lawsuit with inaccurate building as well as false reporting"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7525130963131714846) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-07-09T17:11Z 499.6K followers, 106.8K engagements


"How to hack into your student loan servicer #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7537447145088093470) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-08-11T21:44Z 499.6K followers, 268.9K engagements


"Ask the debt collector for these X items"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7561859224632937758) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-16T16:36Z 499.6K followers, 3038 engagements


"How to dispute a collection with a XXX letter #creditrepair #creditrestoration #finance #creditcard #creditscore #credit #creditrepairspecialist #creditrepairtips"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7148508760472882474) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2022-09-28T19:05Z 499.6K followers, 513.5K engagements


"Don't ever pay a collection. If you have collections from Portfolio Recovery associates Midland credit Jefferson capital lvnv funding. You need to do this ASAP #creditrepair #creditrestoration #finance #creditcard #credittips"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7379266608981691690) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2024-06-11T15:23Z 499.6K followers, 242.7K engagements


"Credit card strategy if you have bad credit #creditrepair #creditcard"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7384187513038015787) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2024-06-24T21:38Z 499.6K followers, 390.1K engagements


"How to beat portfolio recovery associates"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7414122415116045610) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2024-09-13T13:41Z 499.6K followers, 66.4K engagements


"if you have late payments from GM financial exit your finance Ally Financial use this method to delete them off of your credit report #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7416379725272190250) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2024-09-19T15:41Z 499.6K followers, 17.2K engagements


"Replying to @ohthatsmsj ask for the purchase agreement when you get sued by a debt collecto #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7492947983428750623) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-04-13T23:45Z 499.6K followers, 40.6K engagements


"If they cannot provide the master promissory note as well as the chain of custody they can no longer report it on your credit report and they have to remove it"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7524449728226954527) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-07-07T21:08Z 499.7K followers, 912.2K engagements


"Most people don't know this when a creditor sends you a 1099c that means your that was officially canceled #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7555902794574646558) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-09-30T15:22Z 499.6K followers, 100.1K engagements


"How to respond to a debt lawsuit when you get served"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7557133456103263518) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-03T22:57Z 499.6K followers, 421.9K engagements


"This is the single instant of a sentence that changes the game. most collectors are banking on the fact that you do not know your fcra rights #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7557839247424752926) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-05T20:36Z 499.6K followers, 243.8K engagements


"Watch out for these debt collectors #creditrepair #cleverkit"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7558455571918114079) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-07T12:28Z 499.6K followers, 12.3K engagements


"How this tool is changing credit repair forever #creditrepair #cleverkit Clever Kit Ai"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7560027708831403294) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-11T18:08Z 499.6K followers, 63.6K engagements


"What happens when everything is verified #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7561166491861798199) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-14T19:48Z 499.6K followers, 18.8K engagements


"Replying to @youwoundent great job One of many ways to dispute and beat debt collectors #creditrepair"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7561520340862553375) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-15T18:40Z 499.6K followers, 2916 engagements


"Why you should have Clever Kit dispute with collection agencies #creditrepair #cleverkit"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7562922144200543519) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-19T13:20Z 499.6K followers, 4933 engagements


"Credit bureaus hope you never find this"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7562940506532007199) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-19T14:32Z 499.6K followers, 1808 engagements


"This is how people are getting the results and not waiting months for fake investigations by the credit bureaus the system is broken but you can finally fight back the smart way #creditrepair #cleverkit"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7563664800538955038) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-21T13:23Z 499.7K followers, 2147 engagements


"Major update on student loan forgiveness. Mohela Aidvantage Nelnet. #creditrepair #studentloans"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7564047831300918559) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-22T14:09Z 499.7K followers, 79.3K engagements


"Clever Kit is will disoute and delete negative reporting on your credit report #creditrepair #cleverkit"  
[TikTok Link](https://www.tiktok.com/@clevercapitalfreedom/video/7564123869485829407) [@clevercapitalfreedom](/creator/tiktok/clevercapitalfreedom) 2025-10-22T19:04Z 499.7K followers, 4246 engagements

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

Schema:

+ **creator_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 XX hours that have interactions
+ **interactions_24h**: Number of interactions in the last XX hours




---

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

Schema:

+ **creator_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 XX hours that have interactions
+ **interactions_24h**: Number of interactions in the last XX 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 XX 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": "1953886838445552084",
      "post_type": "tweet",
      "post_title": "Good idea. \n\nAlso, we will be putting the most liked images on 𝕏 in the Grok Imagine default feed.",
      "post_created": 1754677898,
      "post_sentiment": 3.48,
      "post_link": "https://x.com/elonmusk/status/1953886838445552084",
      "post_image": null,
      "creator_id": "twitter::44196397",
      "creator_name": "elonmusk",
      "creator_display_name": "Elon Musk",
      "creator_followers": 227846462,
      "creator_avatar": "https://pbs.twimg.com/profile_images/1936002956333080576/kqqe2iWO_200x200.jpg",
      "interactions_24h": 0,
      "interactions_total": 18444057
    }
  ]
}
```

Schema:

+ **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 X and X with X being very negative, X being neutral, and X being very positive. A score of XXX 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 XX hours
+ **interactions_total**: Number of total interactions




---

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

Schema:

+ **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 XX hours that have interactions
+ **interactions_24h**: Number of interactions in the last XX hours




---