[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @itskatherinemontez Katherine | Credit/Legal Katherine | Credit/Legal posts on TikTok about debt, the original, credit scores, finance the most. They currently have XXXXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/tiktok::6765925160966669318/interactions)  - X Week XXXXXX -XX% - X Month XXXXXXX +84% - X Months XXXXXXXXX +34% - X Year XXXXXXXXX +7,747% ### Mentions: X [#](/creator/tiktok::6765925160966669318/posts_active)  - X Week XX -XX% - X Month XX +71% - X Months XXX +139% - X Year XXX +423% ### Followers: XXXXXXX [#](/creator/tiktok::6765925160966669318/followers)  - X Week XXXXXXX +0.16% - X Month XXXXXXX +1.30% - X Months XXXXXXX +4.60% - X Year XXXXXXX +5.10% ### CreatorRank: XXXXXXX [#](/creator/tiktok::6765925160966669318/influencer_rank)  ### Social Influence [#](/creator/tiktok::6765925160966669318/influence) --- **Social category influence** [finance](/list/finance) [ncaa football](/list/ncaa-football) **Social topic influence** [debt](/topic/debt) #737, [the original](/topic/the-original), [credit scores](/topic/credit-scores), [finance](/topic/finance) ### Top Social Posts [#](/creator/tiktok::6765925160966669318/posts) --- Top posts by engagements in the last XX hours "If you want to WIN you will listen to me and do this. X. Dont Ignore the Lawsuit🔊 * Ignoring it can lead to a default judgment meaning THEY win automatically and can garnish wages or freeze your bank account. * Respond to the summons within the deadline (usually 2030 days & depending on your state) X. Request Validation of the Debt Under the Fair Debt Collection Practices Act (FDCPA) youre allowed to ask MCM to prove you owe the debt. They must show: - Original creditor name ✅ - Proof they own the debt ✅ - Accurate amount owed ✅ X. File an Answer With the Court * You dont need a lawyer to" [TikTok Link](https://www.tiktok.com/@itskatherinemontez/video/7552670643603426591) [@itskatherinemontez](/creator/tiktok/itskatherinemontez) 2025-09-21T22:19Z 139.8K followers, 26.4K engagements "1. STOP 🛑 using credit karma for score monitoring its MISLEADING Use myFICO instead. Its the MOST accurate way to monitor your credit & receive your credit scores. PLUS lenders pull your FICO score so you will know your EXACT score when youre ready to apply for new credit✅ X. Get a copy of your free credit report on annualcreditreport.com. Try to print it out It will make it much easier for you to markup anything that is negative or inaccurate ☑ X. Once you have all of this information marked up you are going to want to freeze your secondary reports and start disputing. By freezing 🥶 these" [TikTok Link](https://www.tiktok.com/@itskatherinemontez/video/7489147188073778463) [@itskatherinemontez](/creator/tiktok/itskatherinemontez) 2025-04-03T17:56Z 139.8K followers, 638.9K engagements "Heres how to remove it Debt collectors hope you never find out about this loophole. When the original creditor sells your debt the new collection agency has no legal contract with you. That means they must prove you owe it or theyre required to delete it. (And most of them cant.) Dispute it and it can be wiped from your credit report in 3090 days using my exact dispute letters. This works for: student loans hospital bills repos evictions collections late paymentseverything. If they cant verify the debt they cant report it. Theyre hoping you wont fight back. Start disputing before its too" [TikTok Link](https://www.tiktok.com/@itskatherinemontez/video/7526741243871677726) [@itskatherinemontez](/creator/tiktok/itskatherinemontez) 2025-07-14T01:20Z 139.8K followers, 2.1M engagements "Check bio for the step-by-step guide I used Experian & Transunion just got sued again and thats huge This means theyre under LEGAL pressure to follow the Fair Credit Reporting Act by the book or face more fines and lawsuits. 📌 What does this mean for YOU When credit bureaus are sued they usually: Tighten up compliance ✅ Process disputes more carefully (and quickly) ✅ Remove inaccurate or unverifiable data more easily to avoid legal trouble ✅ This gives YOU the upper hand Right now is a rare window where the credit bureaus are more likely to: Accept your disputes Investigate more thoroughly" [TikTok Link](https://www.tiktok.com/@itskatherinemontez/video/7556095258401000734) [@itskatherinemontez](/creator/tiktok/itskatherinemontez) 2025-10-01T03:49Z 139.8K followers, 26.6K engagements "If A Debt Collector Is Suing You Request #loophole #finance #collections #credithelp" [TikTok Link](https://www.tiktok.com/@itskatherinemontez/video/7561523610066636063) [@itskatherinemontez](/creator/tiktok/itskatherinemontez) 2025-10-15T18:53Z 139.8K followers, XXX engagements "Heres the deal When a Debt Is Sold: ♻ X The original creditor sells the debt to companies like LVNV Midland or Portfolio Recovery. What ACTUALLY gets transferred is often just a spreadsheet of basic info (name balance account number) not original contracts statements or full documentation. X. So when you dispute the item the credit bureaus have to verify it by contacting the new owner and thats where the chain gets weak 🔗 This is WHY you can successfully dispute things X. Why Its Hard for Them to Prove The Debt: X. Limited Paper Trail - Collection agencies often cant produce original signed" [TikTok Link](https://www.tiktok.com/@itskatherinemontez/video/7563801684254690591) [@itskatherinemontez](/creator/tiktok/itskatherinemontez) 2025-10-21T22:13Z 139.8K followers, 1305 engagements "So not only do you have those items back on your credit but now also have a bankruptcy on your reports 😫 I can show you how to remove debt properly so you dont have to file bankruptcy #finances #loophole #credithelp #credittips" [TikTok Link](https://www.tiktok.com/@itskatherinemontez/video/7310807998027369759) [@itskatherinemontez](/creator/tiktok/itskatherinemontez) 2023-12-10T03:49Z 139.8K followers, 22.2K engagements "Phone Script 🙋🏻♀You: Hello my name is Full Name. Im calling in reference to my consumer file. I have reason to believe that my personal information may have been compromised as a result of the recent TransUnion data breach. This is very concerning under the Fair Credit Reporting Act because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data. Under my rights provided by the FCRAspecifically sections XXX XXX and 611as well as the Gramm-Leach-Bliley Act I am requesting the immediate deletion of any accounts inquiries or records on" [TikTok Link](https://www.tiktok.com/@itskatherinemontez/video/7558338967003729182) [@itskatherinemontez](/creator/tiktok/itskatherinemontez) 2025-10-07T04:55Z 139.8K followers, 92.9K engagements "This is what you didnt do. X You didn't send the RIGHT letters in the RIGHT order using the CORRECT process. There's a step by step method to the madness Stop🛑 trying to Google/YouTube letters with no context or guidance to go along with it. Just keeping it real sometimes we as business owners give away freebies to lead you to an actual sale (a product that you have to pay for). It's a strategy proven to work I get wanting free resources or being cheap but I'm an advocate for "invest in yourself" and learn from others who have done it to shorten your learning curve. 💯 X #FREEGAME The" [TikTok Link](https://www.tiktok.com/@itskatherinemontez/video/7564232175630028063) [@itskatherinemontez](/creator/tiktok/itskatherinemontez) 2025-10-23T02:04Z 139.8K followers, 5670 engagements "Check my stories for testimonials Equifax & Transunion just got sued again and thats huge This means theyre under LEGAL pressure to follow the Fair Credit Reporting Act by the book or face more fines and lawsuits. 📌 What does this mean for YOU When credit bureaus are sued they usually: Tighten up compliance ✅ Process disputes more carefully (and quickly) ✅ Remove inaccurate or unverifiable data more easily to avoid legal trouble ✅ This gives YOU the upper hand Right now is a rare window where the credit bureaus are more likely to: Accept your disputes Investigate more thoroughly Remove" [TikTok Link](https://www.tiktok.com/@itskatherinemontez/video/7549316249470209310) [@itskatherinemontez](/creator/tiktok/itskatherinemontez) 2025-09-12T21:23Z 139.8K followers, 603.9K engagements "Check my stories for testimonials Experian & Transunion just got sued again and thats huge This means theyre under LEGAL pressure to follow the Fair Credit Reporting Act by the book or face more fines and lawsuits. 📌 What does this mean for YOU When credit bureaus are sued they usually: Tighten up compliance ✅ Process disputes more carefully (and quickly) ✅ Remove inaccurate or unverifiable data more easily to avoid legal trouble ✅ This gives YOU the upper hand Right now is a rare window where the credit bureaus are more likely to: Accept your disputes Investigate more thoroughly Remove" [TikTok Link](https://www.tiktok.com/@itskatherinemontez/video/7564504952547183903) [@itskatherinemontez](/creator/tiktok/itskatherinemontez) 2025-10-23T19:42Z 139.8K followers, XXX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@itskatherinemontez Katherine | Credit/Legal
Katherine | Credit/Legal posts on TikTok about debt, the original, credit scores, finance the most. They currently have XXXXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXXX -XX%
- X Month XXXXXXX +84%
- X Months XXXXXXXXX +34%
- X Year XXXXXXXXX +7,747%
Mentions: X #
- X Week XX -XX%
- X Month XX +71%
- X Months XXX +139%
- X Year XXX +423%
Followers: XXXXXXX #
- X Week XXXXXXX +0.16%
- X Month XXXXXXX +1.30%
- X Months XXXXXXX +4.60%
- X Year XXXXXXX +5.10%
CreatorRank: XXXXXXX #
Social Influence #
Social category influence finance ncaa football
Social topic influence debt #737, the original, credit scores, finance
Top Social Posts #
Top posts by engagements in the last XX hours
"If you want to WIN you will listen to me and do this. X. Dont Ignore the Lawsuit🔊 * Ignoring it can lead to a default judgment meaning THEY win automatically and can garnish wages or freeze your bank account. * Respond to the summons within the deadline (usually 2030 days & depending on your state) X. Request Validation of the Debt Under the Fair Debt Collection Practices Act (FDCPA) youre allowed to ask MCM to prove you owe the debt. They must show: - Original creditor name ✅ - Proof they own the debt ✅ - Accurate amount owed ✅ X. File an Answer With the Court * You dont need a lawyer to"
TikTok Link @itskatherinemontez 2025-09-21T22:19Z 139.8K followers, 26.4K engagements
"1. STOP 🛑 using credit karma for score monitoring its MISLEADING Use myFICO instead. Its the MOST accurate way to monitor your credit & receive your credit scores. PLUS lenders pull your FICO score so you will know your EXACT score when youre ready to apply for new credit✅ X. Get a copy of your free credit report on annualcreditreport.com. Try to print it out It will make it much easier for you to markup anything that is negative or inaccurate ☑ X. Once you have all of this information marked up you are going to want to freeze your secondary reports and start disputing. By freezing 🥶 these"
TikTok Link @itskatherinemontez 2025-04-03T17:56Z 139.8K followers, 638.9K engagements
"Heres how to remove it Debt collectors hope you never find out about this loophole. When the original creditor sells your debt the new collection agency has no legal contract with you. That means they must prove you owe it or theyre required to delete it. (And most of them cant.) Dispute it and it can be wiped from your credit report in 3090 days using my exact dispute letters. This works for: student loans hospital bills repos evictions collections late paymentseverything. If they cant verify the debt they cant report it. Theyre hoping you wont fight back. Start disputing before its too"
TikTok Link @itskatherinemontez 2025-07-14T01:20Z 139.8K followers, 2.1M engagements
"Check bio for the step-by-step guide I used Experian & Transunion just got sued again and thats huge This means theyre under LEGAL pressure to follow the Fair Credit Reporting Act by the book or face more fines and lawsuits. 📌 What does this mean for YOU When credit bureaus are sued they usually: Tighten up compliance ✅ Process disputes more carefully (and quickly) ✅ Remove inaccurate or unverifiable data more easily to avoid legal trouble ✅ This gives YOU the upper hand Right now is a rare window where the credit bureaus are more likely to: Accept your disputes Investigate more thoroughly"
TikTok Link @itskatherinemontez 2025-10-01T03:49Z 139.8K followers, 26.6K engagements
"If A Debt Collector Is Suing You Request #loophole #finance #collections #credithelp"
TikTok Link @itskatherinemontez 2025-10-15T18:53Z 139.8K followers, XXX engagements
"Heres the deal When a Debt Is Sold: ♻ X The original creditor sells the debt to companies like LVNV Midland or Portfolio Recovery. What ACTUALLY gets transferred is often just a spreadsheet of basic info (name balance account number) not original contracts statements or full documentation. X. So when you dispute the item the credit bureaus have to verify it by contacting the new owner and thats where the chain gets weak 🔗 This is WHY you can successfully dispute things X. Why Its Hard for Them to Prove The Debt: X. Limited Paper Trail - Collection agencies often cant produce original signed"
TikTok Link @itskatherinemontez 2025-10-21T22:13Z 139.8K followers, 1305 engagements
"So not only do you have those items back on your credit but now also have a bankruptcy on your reports 😫 I can show you how to remove debt properly so you dont have to file bankruptcy #finances #loophole #credithelp #credittips"
TikTok Link @itskatherinemontez 2023-12-10T03:49Z 139.8K followers, 22.2K engagements
"Phone Script 🙋🏻♀You: Hello my name is Full Name. Im calling in reference to my consumer file. I have reason to believe that my personal information may have been compromised as a result of the recent TransUnion data breach. This is very concerning under the Fair Credit Reporting Act because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data. Under my rights provided by the FCRAspecifically sections XXX XXX and 611as well as the Gramm-Leach-Bliley Act I am requesting the immediate deletion of any accounts inquiries or records on"
TikTok Link @itskatherinemontez 2025-10-07T04:55Z 139.8K followers, 92.9K engagements
"This is what you didnt do. X You didn't send the RIGHT letters in the RIGHT order using the CORRECT process. There's a step by step method to the madness Stop🛑 trying to Google/YouTube letters with no context or guidance to go along with it. Just keeping it real sometimes we as business owners give away freebies to lead you to an actual sale (a product that you have to pay for). It's a strategy proven to work I get wanting free resources or being cheap but I'm an advocate for "invest in yourself" and learn from others who have done it to shorten your learning curve. 💯 X #FREEGAME The"
TikTok Link @itskatherinemontez 2025-10-23T02:04Z 139.8K followers, 5670 engagements
"Check my stories for testimonials Equifax & Transunion just got sued again and thats huge This means theyre under LEGAL pressure to follow the Fair Credit Reporting Act by the book or face more fines and lawsuits. 📌 What does this mean for YOU When credit bureaus are sued they usually: Tighten up compliance ✅ Process disputes more carefully (and quickly) ✅ Remove inaccurate or unverifiable data more easily to avoid legal trouble ✅ This gives YOU the upper hand Right now is a rare window where the credit bureaus are more likely to: Accept your disputes Investigate more thoroughly Remove"
TikTok Link @itskatherinemontez 2025-09-12T21:23Z 139.8K followers, 603.9K engagements
"Check my stories for testimonials Experian & Transunion just got sued again and thats huge This means theyre under LEGAL pressure to follow the Fair Credit Reporting Act by the book or face more fines and lawsuits. 📌 What does this mean for YOU When credit bureaus are sued they usually: Tighten up compliance ✅ Process disputes more carefully (and quickly) ✅ Remove inaccurate or unverifiable data more easily to avoid legal trouble ✅ This gives YOU the upper hand Right now is a rare window where the credit bureaus are more likely to: Accept your disputes Investigate more thoroughly Remove"
TikTok Link @itskatherinemontez 2025-10-23T19:42Z 139.8K followers, XXX engagements