# ![@passivelyjazzed_moc Avatar](https://lunarcrush.com/gi/w:26/cr:tiktok::7485358560888325166.png) @passivelyjazzed_moc Jasmine | Credit & Money

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

### Engagements: [-----] [#](/creator/tiktok::7485358560888325166/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7485358560888325166/c:line/m:interactions.svg)

- [--] Week [-----] +8.20%
- [--] Month [------] -24%
- [--] Months [-------] +15,013%

### Mentions: [--] [#](/creator/tiktok::7485358560888325166/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7485358560888325166/c:line/m:posts_active.svg)

- [--] Week [--] -33%
- [--] Month [--] +6.90%
- [--] Months [--] +7,100%

### Followers: [---] [#](/creator/tiktok::7485358560888325166/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7485358560888325166/c:line/m:followers.svg)

- [--] Week [---] +7.30%
- [--] Month [---] -100%
- [--] Months [---] +5,294%

### CreatorRank: [---------] [#](/creator/tiktok::7485358560888325166/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7485358560888325166/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [stocks](/list/stocks)  [ncaa football](/list/ncaa-football)  [social networks](/list/social-networks)  [technology brands](/list/technology-brands)  [countries](/list/countries)  [automotive brands](/list/automotive-brands) 

**Social topic influence**
[how to](/topic/how-to), [debt](/topic/debt), [collection](/topic/collection), [if you](/topic/if-you), [collector](/topic/collector), [credit cards](/topic/credit-cards), [klarna](/topic/klarna) #85, [money](/topic/money), [pay](/topic/pay), [save](/topic/save)

**Top accounts mentioned or mentioned by**
[@jasminecreditmoney](/creator/undefined) [@jasmine](/creator/undefined) [@passivelyjazzed](/creator/undefined) [@chris](/creator/undefined) [@whocares1985](/creator/undefined) [@mars](/creator/undefined) [@loveleelee](/creator/undefined) [@misscourtney](/creator/undefined) [@kuku26z](/creator/undefined) [@nauticalashelle](/creator/undefined) [@leahw016](/creator/undefined) [@califive](/creator/undefined) [@mspink1994](/creator/undefined) [@naedontplay08](/creator/undefined) [@deventhinks](/creator/undefined) [@nedavee](/creator/undefined) [@lovingraze](/creator/undefined)

**Top assets mentioned**
[Klarna Group plc (KLAR)](/topic/klarna) [Bank of America (BAC)](/topic/bank-of-america)
### Top Social Posts
Top posts by engagements in the last [--] hours

"YES Secured Credit Cards are Bad Credit Credit Cards But they are the BEST thing for someone who is trying to build credit and cannot be an Authorized User or get a Credit Builder Loan. #creditcards #creditcard #securedcreditcard #badcredit #creditrepair To think you have a 800+ Credit Score because you started using two Secured Credit Cards to rebuild your [---] Credit Score that got you denied for everything how to use a secure credit card how to use secure credit cards secured credit card secure credit card secured credit cards finance tiktok how to build credit how to fix credit score"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7562223548299889934)  2025-10-17T16:09Z [--] followers, [---] engagements


"Replying to @whocares1985 Affirm and Klarna hit you with the okie doke saying we dont check your credit score to approve youoh ok ✨This is the @Jasmine Credit & Money e sure you hit the follow button #a#affirmk#klarnab#bnplb#buynowpaylatercredit BNPL Apps Affirm and Klarna have already Scammed YOU BNPL apps buy now pay later affirm klarna affirm not working affirm purchase power klarna card klarna limit afterpay sezzle credit scroe credit check BNPL Apps Affirm and Klarna have already Scammed YOU BNPL apps buy now pay later affirm klarna affirm not working affirm purchase power klarna card"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7580390694712282382)  2025-12-05T15:08Z [---] followers, [----] engagements


"Collection removed from credit report and $775 Collection Debt deleted with Jefferson Capital after sending [--] debt validation letter 🤯 I dont listen to people who say to stop sending debt validation letters because when you know how credit repair works how removing collections works sending a debt validation is key to your next step If you think you cant remove a collection without paying - this is proof that you 100% can Are ready to finally remove yours Comment LETTERS and Ill tell you how to snag the Debt Collection Dispute Letters along with a over 60+ compliance based dispute letter to"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7571573335293742391)  2025-11-11T20:52Z [---] followers, [----] engagements


"Replying to @M.A.R.S🪐 Affirm denied you credit Affirm suspended your account Steal these two tips to spin the block so you can use Affirm again (this time responsibly please) #affirm #afterpay #klarna #bnpl #credit Get Back With Affirm BNPL Klarna Affirm Afterpay Buy now pay later Spin the block with Affirm before Black Friday and Cyber Monday @JasmineCredit&Money my backup account Get Back With Affirm BNPL Klarna Affirm Afterpay Buy now pay later Spin the block with Affirm before Black Friday and Cyber Monday @JasmineCredit&Money my backup account"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7575313636357360910)  2025-11-21T22:46Z [---] followers, 42K engagements


"Replying to @loveleelee Multiple Affirm accounts = multiple affirm debts. [----] C method for removing a charge off requires the balance on the account to be $600 - not so much the total you might owe across multiple accounts under the same creditor. 💓 Make sure to follow my main account @Jasmine Credit & Money credit repair tips that you dont want to miss #affirm #buynowpaylater #debt #debtfree #klarna Several Affirm Charge Offs = One [----] C affirm charge off affirm charged off affirm charge-off and collections klarna debt klarna charge off buy now pay later in collections buy now pay later"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7580101088909479182)  2025-12-04T20:23Z [---] followers, [----] engagements


"Removing Debt from your Credit Report without having to paythis is what you are going to do 👇 Having Charge Offs and Collections holding balances on your credit is just bad debt you defaulted on weighing down your credit score and increasing your DTI on paper. 🤔 What you are going to do to remove it without payment ➡ DISPUTE Credit Repair is not the same as debt elimination but it does allow for any debt from an unpaid Charge Off or Collection to be removed from the credit reporting if you have another lender pull a report when you apply for new tradelines. ✨ I post daily credit repair tips"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7595700818641243406)  2026-01-15T21:18Z [---] followers, [---] engagements


"Pay to Delete is common with Debt Collectors but before you get one ask for Debt Validation to make sure you arent coming off your coin for nothing. #debtcollector #debt #debtfree #creditrepair #creditrepairtips debt collector debt collection pay to delete pay for delete collection cfpb removal collection dispute letter debt validation letter debt validation letter template debt buyer jefferson capital WAIT Before you get a Pay to Delete to remove a Collection debt collector debt collection pay to delete pay for delete collection cfpb removal collection dispute letter debt validation letter"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7561933056630721805)  2025-10-16T21:22Z [--] followers, [---] engagements


"Credit Score started at [---] with Experian 🫣 Now my Credit Score is 800+ I get approved for what I want and my credit limit is insane 🤯 Im not bragging Im telling you that Credit Repair really does work Sending Dispute letters to the credit bureaus really does work 💬If youve been waiting to send in your dispute letters please comment below and tell me why Make sure you are following me here my back up page and YT so you never miss tips on how to fix your credit before [----]. #creditrepair #debtfree #creditscore #debt #passivelyjazzed PASSIVELYJAZZED_MOC credit repair Credit Repair how to fix"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7562167955312610590)  2025-10-17T12:34Z [--] followers, [---] engagements


"Nikki Minaj might lose her house after getting hit with a $500k default judgment. She says she was never properly served. Heres what you can learn if you have a default judgment against you for a summons you never received #debt #lawsuit #debtcollector #defaultjudgement #debtcollection Default judgment Debt collection lawsuit Debt collection default judgment Default judgment debt Default judgment appeal Sued by debt collector Debt collector Lawsuit summons Debt collection summons Default judgment Debt collection lawsuit Debt collection default judgment Default judgment debt Default judgment"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7562285032669302029)  2025-10-17T20:08Z [--] followers, [---] engagements


"And heres why 🤢 If youre stressed and desperate I can see why you might be tempted to pay for someone to do it for you. Or even buy that 4-day Sweep E-book. But lets be so for real - and off J-Pay for as long as we can be. 🚔 Credit Sweeps are illegal 🕵 The Creditor will investigate after being notified of fraud 🚩 And the account might not even be deleted I show my clients how to use the loopholes in Consumer Law by factually disputing negative items on their credit report. 💥You are not going to fix what you didnt ruin overnight Overnight But you can fix your credit on your own which is"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7562582942887759117)  2025-10-18T15:24Z [--] followers, [---] engagements


"Profit and Loss reporting on a Charge Off with a balance is the red flag that you are looking for 🚩 Send a dispute letter directly to the Credit Bureau and demand they investigate if your credit report is 100% accurate Then sit back and watch them squirm 😈 ✨ Follow for more Credit Repair tips just like this #debt #debtfree #consumerlaw #creatorsearchinsights #PersonalFinance Remove Charge Off from Credit profit and loss write off credit paid profit and loss on credit report charge off profit and loss credit report profit and loss credit report profit loss write off credit remove charge off"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7562978120232422711)  2025-10-19T16:58Z [--] followers, [---] engagements


"FTC Report for Hard Inquiries using [--] Dispute Letter and the CFPB = [--] minutes of work Stop letting dealerships run your credit to the ground And STOP 🛑letting hard inquiries sit on your credit report for [--] years. - 🙂 not a good look. Check out the [--] Hour Removal Kit to get rid of your Hard Inquiries using the FTC CFPB dispute method (+ the Phone Script & Dispute Letter are included) #creditrepair #creditbureau #fcra #consumerlaw #credit POV: Driving off the lot just to go home and remove all the hard inquiries the dealership placed after running your credit with [--] different lenders who"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7563773141814676749)  2025-10-21T20:23Z [--] followers, [----] engagements


"I almost got my car repossessed car because I was so late To say I was shocked when all [--] payments were removed I was shocked. Most people who repair credit tell you to just remove the account. Heres why I didnt👇 ✨Credit Mix✨ An installment loan is a good thing. A long term installment loan like an Auto Loan is great. ✨Credit Age✨ Removing the car loan would have meant losing the age that came with it. I bought that car a year after graduating college. And I had no plans of getting rid of it. ✨Credit Experience✨ A lender seeing that I have experience paying creditors back means a lot when"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7564149028959636750)  2025-10-22T20:42Z [--] followers, [----] engagements


"Replying to @miss.courtney Dispute came back verified as accurate You want to make this your next step #creditrepair #creditrepairtips #methodofinvestigation #creditbureau #credit method of verification method of verification letter credit bureau description of procedure method of verification dispute letter credit bureau method of verification experian verified dispute as accurate credit bureau verified dispute dispute came back verified This is always your (beginner friendly) next step Dispute came back Verified as Accurate method of verification method of verification letter credit bureau"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7565008299138108686)  2025-10-25T04:16Z [--] followers, [----] engagements


"👇 Challenge the accuracy of the reporting using the FCRA (15 USC 1681) by sending a Compliance based factual dispute letter to the Credit Bureau reporting it 🌟My main account: @Jasmine Credit & Money #latepayment #creditrepair #creditrepairtips #consumerlaw #creatorsearchinsights remove late payments credit report cfpb late payment removal removing late payments from your credit report how to get late payments off my credit report removing missed payments from credit report [---] to [---] credit score in [--] months remove late payments from credit late payment on credit delete late payment how to"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7565576490797010190)  2025-10-26T17:01Z [--] followers, [----] engagements


"Credit bureaus wont tell you this: [--] ways to delete late payments 📌 Goodwill Letter: if you have maybe 1-2 missed payments that are not back to back been with the creditor for 12+ months 📌 Dispute with the Credit Reporting Agency: they are responsible for making sure anything on your credit report can be verified as correct 📌 Dispute with the Creditor: they are responsible for only sending accurate information to the Credit Reporting Agency and maintaining Metro [--] Compliance standards 🌸 I post credit repair tips daily on my main account so make sure you are also following me there"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7575628885862239501)  2025-11-22T19:09Z [---] followers, 13.4K engagements


"Replying to @kuku26z Charge Offs on your credit makes it hard for you to get approved for the best rates (if you can ge approved at all) So if you are still struggling to remove a Charge Off and disputing with the Creditor and even the Credit Bureau is getting you nowhere 📌 SAVE 👏 THIS 👏 POST 👏 Disputing a charge off 💰 Balance ❌ No Balance 🔻 Less than $600 You have to challenge the FCRA compliance Everything is going to come back to Data Furnished and Data Reporting in order to remove anything off your credit report. ✨ I post daily credit repair tips on my main page @Jasmine Credit &"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7580008270266371341)  2025-12-04T14:23Z [--] followers, [----] engagements


"800 Credit Score after ignoring the clowns who say credit repair is a scam I was able to remove charge offs collections and late payments just by disputing with the credit reporting agencies. Ready to fix your credit I post daily credit repair tips to fix your bad credit #creditscore #creditrepair #creditrepairtips #creditrepairservice #creatorsearchinsights Whats your credit score POV: You choose to stop wishing you could or someone would and just did. Now your credit score is over [---] whats your credit score how to increase credit score credit score boost how to improve credit score credit"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7580809519408712973)  2025-12-06T18:13Z [--] followers, [--] engagements


"Credit History is more important than you think and heres why Your credit history says you either ✅ have (and how much) or ❌ dont have experience with credit. Banks dont want to give chances to people who have never been given a chance 😵💫 I know How can you get experience if no one will give it to you. Tale as old as time. So remember this: 📌 Credit History makes up 15% of your credit score 📌 Ideal credit profile has at least [--] years 📌 Removing tradelines (even charge offs) will negatively impact your credit score if those are your oldest lines of credit. I post daily credit repair tips"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7581155217228516621)  2025-12-07T16:36Z [--] followers, [---] engagements


"Credit utilization is 30% of your entire credit score When your balance shoots up in December your score can temporarily dip not because youre irresponsible but because the bureaus only see high usage. 📌 save these tips to not only increase your credit score but pay off credit card debt Heres how to recover fast 🔻 Bring the balance under 30% (10% is ideal if you can swing it) 💵 Make an extra payment before the statement closes 💳 If you have multiple cards spread out the spending so one card isnt maxed 🏦 Dont apply for new credit just to fix utilization its not needed Holiday spending"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7581942373425417485)  2025-12-09T19:29Z [--] followers, [---] engagements


"Credit Sweep got you swept up in an investigation with one of the largest banks This actually happened to a client of mine before they found my content and booked a call with me. And she was terrified getting that letter from Bank of America who came to investigate credit card fraud. 👆 and this is the reason I do not do or teach anyone how to do a credit sweep. One thing your fav will not tell you is that the creditor can choose to investigate. And identity theft is a crime now that they are involved it only makes sense for them to see whats up. This is also how a lot of you end up seeing"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7582000749589073207)  2025-12-09T23:15Z [--] followers, [----] engagements


"Replying to @NauticaLashelle How to send dispute letters to the credit bureaus (steal my strategy): For Round [--] disputes that have a [--] day response deadline 📩 Certified Letter via USPS For Round [--] disputes (when you have already heard back from the credit bureaus) 👩🏾💻 CFPB Complaint Portal 💬 comment below and let me know if you want me to make a video diving more into sending out disputes to the credit bureaus #cfpb #disputeletter #creditrepair #creditbureau #creditrepairtips CFPB vs USPS what to us when sending out dispute letters to the credit bureaus CFPB vs USPS what to us when"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7585612889726258446)  2025-12-19T16:52Z [--] followers, [---] engagements


"Credit Karma gives you a version of your credit report Not your real credit report. I remember logging into Credit Karma thinking I was looking at the real deal too. My credit report my credit score. It wasnt a lie but it wasnt what lenders looked at when I applied for an apartment a credit card a car loan. Fixing credit requires disputing negative items on your credit report AKA challenging compliance. Pull your real credit reports from the credit bureau directly or Annual Credit Report site #creditreport #creditkarma #creditscore #fico #credit First get your credit report yes Patrick thats"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7587066408157170999)  2025-12-23T14:52Z [--] followers, [---] engagements


"If I could leave anything in [----] it would be any question pertaining to doing a credit sweep. Because why would I want to go to clink-clink when I dont even know you #creditsweep #creditrepair #credit #creditfix #creditrepairtips Credit sweep Credit repair Credit repair services FTC CFPB method Are credit sweeps legal When someone asks me if I wouldnt mind showing them how to do a credit sweep since I dont offer it as a service credit sweep credit report sweep experian credit sweep transunion credit sweep credit report cfpb ftc method identity theft report credit repair Credit sweep Credit"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7589663597853265207)  2025-12-30T14:51Z [---] followers, [---] engagements


"Replying to @leahw016 And the only winner in all of this is the Credit Bureau who gets to sell your bad credit info to bad credit lenders that will squeeze the trap more by offering you interest rates 20-30% #klarna #affirm #bnpl #credit #creditscore BNPLs Credit Card Propaganda you fell for it Klarna Afterpay Affirm BNPL buy now pay later Klarna reporting on credit credit score dropped credit repair Klarna charge off is Klarna a loan BNPLs Credit Card Propaganda you fell for it Klarna Afterpay Affirm BNPL buy now pay later Klarna reporting on credit credit score dropped credit repair Klarna"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7590015069388279053)  2025-12-31T13:35Z [--] followers, [---] engagements


"Replying to @Califive Lenders Creditors and Debt Collectors do not NEED your social to report to your credit. Which is why you NEED to dispute your personal information if you are trying to remove Charge Offs and Collections from your credit report. 🪪 The Credit Bureaus have so much information on you First Middle & Last Name Current & Previous Addresses Telephone Numbers Employers All of this 👆is just data points to connect the dots when you dispute and they need to investigate if the negative items belong to you. Disputing your personal info should be the first thing you do when trying to"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7592346089718598925)  2026-01-06T20:21Z [--] followers, [---] engagements


"Motivation means nothing right now put your foot on the gas and type up that Round [--] dispute letter. Quitting ain't getting you anywhere #creditrepair #creditrepairtips #credit #creditrepairservices #creditrepairspecialist When you dont have motivation to send Round [--] dispute letters to Experian always remember this powerful quote dispute keeps coming back verified is experian accurate fix my credit score experian dispute late payment experian verified dispute equifax verified dispute transunion verified dispute verified dispute as accurate dispute verified as accurate When you dont have"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7593049278319316238)  2026-01-08T17:49Z [--] followers, [---] engagements


"How to apply for a credit card and get approved without hurting your credit score (and yes you can use these tips even if your credit is bad) 💳 I started with [--] credit card and now I have [--] (including an AMEX Gold ✨) 💡 Tip 1: Start with pre-approvals Pre-approvals let you check eligibility **without a hard inquiry**. That means you can test the waters before risking your score. 💡 Tip 2: Apply for same-same or one step up cards If your score is under [---] or you only have one basic card dont jump straight to Tier [--] cards. Applying too high too fast can lead to denials based on your **credit"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7593726371889696055)  2026-01-10T13:38Z [--] followers, [---] engagements


"Dispute late payments on your credit report using [--] powerful credit repair methods I use to help my clients: [--] Factual Disputing [--] Procedural Disputing [--] Jackhammer Approach (to multiple late payments) #latepayments #debt #creditscoretips #creditrepairtips #creatorsearchinsights late payments remove late payments from credit late payments on credit report remove missed payments from credit remove missed payments credit report removing late payments laws to remove late payments late payment dispute letters getting late payments off credit @JasmineCredit&Money How to remove Late Payments from"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7596798245347527991)  2026-01-18T20:17Z [--] followers, [---] engagements


"CFPB Collection disputes work better because the CFPB is the REAL Credit Bureau And a debt collector doesnt want any smoke 💨 Use the CFPB to send your Debt Validation and Dispute Letters to force a response and actual results 🚔 The CFPB lays down the FCRA Law 🚔 Disputes sent via the Complaint Portal are included in future lawsuits 🚔 Debt Collectors who dont know how to act can be banned Not to mention disputing via the CFPB is free ➡ just create an account Ready to know more 💬 drop CFPB in the comments and let me know youre ready to jump down the rabbit hole with me #debtcollector"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7598273260312087822)  2026-01-22T19:41Z [--] followers, [---] engagements


"Replying to @MsPink1994 Negative Rental History can show up in these two places: ➡ Credit Report If you have unpaid rental debt or you have been self-reporting your rent ➡ Consumer Report (Tenant Screening Report) Landlords will report your activity as a tenant that can be pulled like a background check With over [---] Consumer Reports find the right report you need by sorting based on the industry (Rental Pay Day Loans Rent-a-center companies). 🦋 I post daily credit repair tips and credit building hacks so make sure you hit the ➕ to never miss out #consumerreport #renter #creditreport"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7598604213031062798)  2026-01-23T17:05Z [--] followers, [---] engagements


"Experian doesnt want you to know you can ask for this Whenever your dispute is Verified request a Method of Verification ASAP ➡ Requires the Credit Bureau to expose the details of their investigation ➡ Forces them to respond in [--] days ⚠ Most credit bureaus dont conduct a reasonable investigation (like required in the FCRA) this is your chance to expose their failure for your easy WIN 🏆 I post daily credit repair tips just like this 👆 🎀 so make sure you hit the follow button so you never miss out #creditrepair #creditrepairtips #credit #creditrepairservices #creditrepairspecialist dispute"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7593541528203644174)  2026-01-10T01:39Z [---] followers, [---] engagements


"Stay safe out here when it comes to learning from this app #creditrepair #creditrepairtips #creditrepairservices #studentloans #studentloandebt @JasmineCredit&Money I hope no one is clicking that link 👀 Follow the real page 💋 Remove Charge Offs Collections Student Loans Lates Repossessions Trying to fix your credit in [----] Remove collections Charge off from credit How to remove evictions Credit repair [--] usc [----] @JasmineCredit&Money I hope no one is clicking that link 👀 Follow the real page 💋 Remove Charge Offs Collections Student Loans Lates Repossessions Trying to fix your credit in"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7499849186041711918)  2025-05-02T14:06Z [---] followers, [----] engagements


"Replying to @Naedontplay08 Removing collections for Afterpay Affirm and Klarna takes the same steps as a credit card debt that is sent to collections when the debt is sold to a debt buyer. You can get a free copy of your credit report direct from the credit bureau or annual credit report dot com 🌸 Make sure you are following my main page @passivelyjazzed also I post tips on how to fix your credit and remove collections daily #affirm #afterpay #klarna #bnpl #debtcollector How to remove Affirm Afterpay Klarna Collections Affirm klarna afterpay bnpl buy now pay later debt collection remove"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7574510484309724471)  2025-11-19T18:49Z [---] followers, 31.8K engagements


"Remove Collections from your Credit Report that are reporting as an Open Account NOW Collections Open Accounts (and they can never be) ❌ You dont have ongoing business with a Debt Collector ❌ Collections are not transactions benefiting both you and a creditor ❌ Collections are never truly opened theyre transferred in hopes to have another organization go after the remaining balance This is a common Credit Report error as of lately and one I would nip in the bud real quick I post daily credit repair tips on my main account @passivelyjazzed so make sure you are also following me there so you"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7581523345171025165)  2025-12-08T16:23Z [---] followers, [----] engagements


"Replying to @deventhinks MOHELA Ed Financial etc. They all love to sing the internal policy song when youre trying to dispute student loans. But heres the problem FCRA Laws Internal Policy Metro [--] Compliance Internal Policy Now I can go toe to toe with MOHELA 🦶 But This is actually why I choose to dispute with the Credit Bureau reporting the late payment. Because Im not arguing I was not late Im challenging the data furnished only. Period 🤏 #s#studentloansstudentloandebt #studentloanforgiveness #creditrepair #departmentofeducation [--] Days Late With MOHELA A must watch if youre Mohela Ed"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7587172850356751671)  2025-12-23T21:45Z [---] followers, [----] engagements


"What happens after you do a Credit Sweep This 👇 🗂 The Credit Bureau notifies the Creditor the account was reported to be fraud 🏦 The Creditor will investigate the fraud internally 🕵♂ The Creditor will investigate the fraud with YOU 🫵 🧾 Creditor gives proof of no fraud the account is reported back 🫆 A fraud alert is placed on your credit report But may the odds be ever in your favor. #creditsweep #identitytheft #cfpb #fcra #consumerlaws Before you do that Credit Sweep experian credit sweep credit sweep credit card dispute investigation identity theft fix your credit is it good to do a"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7592640176040463630)  2026-01-07T15:21Z [---] followers, [----] engagements


"Replying to @NEDAVee Affirm reported every account to the credit bureau and now your credit score is 💩 Klarna Affirm and Afterpay may appear like they got your back by offering an easy way to access credit and make purchases for things you need. ⚠ But heres the problem ⚠ Affirm and Klarn will report to the credit bureaus they just make it hard for you to see that they will BNPL purchases are not like credit card purchases. Purchases made on a credit card all go on one statement for one account unlike BNPL individual accounts The moment you become [--] days late Affirm can report to the credit"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7593151065504140558)  2026-01-09T00:24Z [---] followers, [----] engagements


"Debt Collector is texting you Then they might also be breaking the law and heres how Use your debt validation letter to call them to the carpet by having that same screenshot work as your evidence. Things to look for 👀: No clear mini-Miranda disclosure Vague or misleading language Pressure tactics or urgency Links that dont properly identify the collector Missing validation rights Screenshots matter. Those screenshots can be used to strengthen your debt validation letter and escalate your dispute properly. ⚠ This is educational not legal advice but knowing what to look for puts you back in"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7598956662849817869)  2026-01-24T15:53Z [---] followers, [---] engagements


"Fix your Credit in [--] simple steps ➕ follow so you never miss daily credit repair tips I also have a main account ➡ PassivelyJazzed where I have even more post and playlists #creditrepair #creditrepairtips #credit #creditrepairservices #creatorsearchinsights [--] credit builders [--] Remove Negatives If youre trying to Fix your Credit watch this [--] Real Credit Report how to fix your credit how to increase your credit score how to improve your credit how to dispute dispute with the credit bureau credit repair credit repair tips credit repair services [--] credit builders [--] Remove Negatives If youre"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7599675910257741087)  2026-01-26T14:24Z [---] followers, [---] engagements


"700 credit scores Approved or low interest rates so if getting the best deal is your goal down here friend Everyone pulling your credit will consider your credit score up until a point. Most lenders have their own credit scores that they base off of looking at just your credit report: ✔ Have you been late in the last [--] months ✔ Do you pay your credit cards down ✔ Too many inquiries (even when it doesnt hurt your score) They want to know will you pay them back and will you pay on time 🤔❓ When they dont know you they dont know the answer until they weigh the risk for themselves A [---] credit"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7599873830567529758)  2026-01-27T03:12Z [---] followers, [---] engagements


"Removing late payments off your credit is not a [--] magic letter trick. Even a credit sweep can require you to send a round [--]. If you want to fix your credit the right way without the stress prepare to follow up before you even need to 🦋 I post daily credit repair tips that you can use today No fluff No gatekeeping Ready to join the [---] club ➕Hit the follow button so you never miss when I drop a new tip #creditrepair #creditrepairtips #credit #creditrepairservices #creditrepairspecialist dispute keeps coming back verified is experian accurate fix my credit score experian dispute late payment"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7600041177097850142)  2026-01-27T14:01Z [---] followers, [---] engagements


"Stop adding credit builder tradelines with your [---] credit score. Kickoff and Self cant save you so you might as well dispute #creditrepair #creditrepairtips #credit #creditrepairservices #creditrepairspecialist When they need to dispute [--] charge offs and a collection but say their just going to use KickOff and Self to build their credit credit repair myths credit repair tips how to fix your credit yourself diy credit repair [---] letter myth credit bureau dispute process credit repair for beginners credit score improvement credit repair without paying company how to dispute credit report"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7600122583165521182)  2026-01-27T19:17Z [---] followers, [---] engagements


"Replying to @Chris is in thee building Credit Card Application Rejected 🙅♀ two things you need to know to take action if you really want to be approved 💳 Creditors will typically mail you a reason for why they rejected you. This information is GOLD ✨ if youre trying to fix or build credit and you dont know what to focus on. ☎ Creditors for Credit Cards and even background checks have something known as a Reconsideration line. This is the human experience you think you were getting when you first applied 🫂 And if you want me to take this even further just drop RECONSIDERATION in the"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7600487853130288415)  2026-01-28T18:54Z [---] followers, [---] engagements


"530 to [---] credit score 🎉 And all I needed to do was send in a dispute letter to Experian Equifax and TransUnion. The first two letters that I sent were asking for an investigation and details on how the credit bureau investigated. Within [--] days I had already seen charge offs come off my credit report ✨ 🧑💻 You just need to sit down type your dispute letter up and send it off. And [--] days from now you can see your credit score increase [---] points just by removing negative items like Charge Offs Collections and even Late Payments. 💻 Head to my bio to grad the FREE Jumpstart Checklist to"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7600808147103517965)  2026-01-29T15:38Z [---] followers, [---] engagements


"Missed payments dont compare to a charge off even when youre account was charged off after you were late that one time 😩 I post daily credit repair tips and real credit education. 🦋 follow so you never miss a post #latepayments #debt #creditscoretips #creditrepairtips #creatorsearchinsights Stop trying to remove late payments from a charged off account 🙄 remove charge off from credit cfpb chargeoff removal [----] cfpb chargeoff removal [----] never pay a charge off charge off vs collection removing closed accounts with a balance how to remove charge off with balance charge off with a balance"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7601203489062096142)  2026-01-30T17:11Z [---] followers, [----] engagements


"How to fix your credit yourself (Credit Repair 2026) 👇 Steps to get started below 👇 👉🏾DISPUTING👈🏾 [--]. Pull your credit reports [--]. Note all negative items and information that is inaccurate [--]. Dispute personal information online [--]. Dispute hard inquiries by phone (or online method) [--]. Highlight any inaccurate inconsistent information reported for the accounts you want to dispute [--]. Write a dispute letter to the credit reporting agencies only including the accounts they are reporting [--]. Wait for them to respond or for the [--] day window to pass if no response [--]. Follow up with round 2"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7601533999785200951)  2026-01-31T14:35Z [---] followers, [---] engagements


"I decided that [----] was going to be radically different than [----]. And while it was when you think about it 😷 [----] was my Anything could happen year If you have ever been on a journey to get out of debt fix your finances get that wealthy feeling and somehow something always happened that left you right back in that same place I want you to do this. Lock into a baby step 🤏🏾 nothing grand. Dont go crazy Anything can really happen I post daily credit repair tips and credit building hacks. 🦋 so make sure you hit the follow button so you never miss out. #creditrepair #creditrepairtips #credit"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7601927582530981175)  2026-02-01T16:02Z [---] followers, [---] engagements


"Late payment dispute letters fail for ONE reason 👀 Youre being told to do these two things the Credit Bureaus can verify ❌ Argue the late payment ❌ Include every FCRA law What you should be doing: challenging the verification process itself. A strong late payment dispute forces the credit reporting agency to actually investigate instead of auto-verifying through e-OSCAR. If youre not giving the Credit Bureaus to go look for themselves than they only need to look for the late being right or the late being wrong. 🤡 And you were late remember ☝🏾this is why your dispute comes back verified bte"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7602293569692388621)  2026-02-02T15:41Z [---] followers, [---] engagements


"Dispute late payments on your credit with the Credit Bureau like this 👆🏾 Ready to fix your credit I post daily credit repair tips and credit building hacks ➕ hit follow for more #latepayments #debt #creditscoretips #creditrepairtips #creditcards How do I get late payments removed from my credit report [--] Pull your credit reports and look for inconsistent reporting for the account showing missed payments [--] Write a dispute letter to the Credit Bureau(s) and wait for a response [--] If Verified send Round [--] and challenge the Credit Bureaus Investigation The FCRA lets you dispute any negative item"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7602699594463464718)  2026-02-03T17:58Z [---] followers, [--] engagements


"FCRA laws are not the cheat code for credit repair Credit bureaus dont delete accounts just because you quoted [--] USC [----] ⚠ If your dispute has no reason the law wont save it. Stop struggling to fix your credit and having your disputes verified as accurate. The Fair Credit Reporting Act doesnt work like a magic spell. FCRA laws set the rules credit bureaus have to follow when they report investigate and verify information. If an account is actually: inaccurate misleading incomplete or cant be verified correctly THATS when the law applies. Once you understand how FCRA laws connect to specific"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7603060519464914189)  2026-02-04T17:18Z [---] followers, [---] engagements


"Klarna collection on your credit Two laws you need to tap into to delete a collections👇🏾 ✔ Fair Credit Reporting Act ✔ Fair Debt Collections Practices Act Any debt collector who is reporting on your credit and attempting debt collection need to follow these laws. When they dont👩⚖ you get to sue them I post daily credit repair tips Follow for more ✨ #klarna #afterpay #affirm #debtcollector #creatorsearchinsights klarna klarna debt klarna collection klarna collector bnpl debt collector debt collection [---] 💸 Klarna Collection Deleted Jefferson Capital: no record of debt will terminate now"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7603412361596226829)  2026-02-05T16:03Z [---] followers, [---] engagements


"Account now Charged Off [--] things that just might happen next 😳 [--] Creditor writes off debt issues 1099-C based on amount [--] Creditor sells debt to a Debt Buyer [--] Creditor takes it to court (debt collection lawsuit) Want to avoid these options Most creditors have a Hardship Program that will allows them to work with you to pay off your debt without charging off the account. But you want to act quickly 💨 Be sure to share this with a friend if you found it helpful ♥ I post daily credit repair tips be sure to follow so you never miss out. #creditrepair #creditrepairtips #debt #creditcarddebt"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7603776489892482317)  2026-02-06T15:37Z [---] followers, [---] engagements


"Debt Validation Notice in the mail Don't panicfight back 💪 Here's your game plan This letter isn't a punishmentit's your OPPORTUNITY 👏 📌 Save this before you need it What to look for on that notice: Original creditor's name Total amount they claim you owe Your right to dispute (yes it's required to be there) The debt collector's contact info That 30-day dispute window deadline Your next move: [--] Send a Debt Validation Letter within [--] days [--] Request proof this debt is actually yours [--] Use certified mail OR file through CFPB complaint portal Once you dispute They MUST: 👉 Stop collection"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7603874011390512397)  2026-02-06T21:55Z [---] followers, [---] engagements


"Late Payment dispute letters dont work because youre writing them based on the law and not the reason for the law. You dont realize that the laws to remove late payments are the cart. The violations you find on your credit reportthats the horse 🐎 Ready to get off to the races with repairing your credit (see what I did there) Make sure you are using real credit repair strategies Hit the follow button for daily credit repair tips and credit building hacks 🦋 #latepayments #debt #creditscoretips #creditrepairtips #creatorsearchinsights Remove Late Payments from your Credit using your Payment"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7604138321513598222)  2026-02-07T15:00Z [---] followers, [---] engagements


"Remove Eviction from your Credit and Public Records 📌 Save this step-by-step . . . Loving this style of video Want more Let me know down in the comments 🦋 #eviction #evictionnotice #tenanteviction #evicted #creatorsearchinsights *the natural light of the sun betrayed me How to Remove Eviction how to remove an eviction from credit report eviction on credit report removal remove eviction from public records eviction judgment credit report disputing an eviction on credit report eviction collection removal how long evictions stay on credit credit repair eviction removal eviction reporting"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7604550151054626062)  2026-02-08T17:38Z [---] followers, [---] engagements


"Beat a Debt Collector by using these [--] things to your advantage [--]. Send debt validation within [--] days of receiving a validation notice or when you first see the collection on your credit report [--]. Understanding your rights under the FDCPA when debt collectors are communicating with you [--]. Knowing the difference between a debt collector owning the debt and be authorized to collect the debt. Debt Collectors win because 😈 You dont respond to the Validation Notice 😈 You dont know that calling all day everyday is illegal 😈 You dont make them give you proof they can collect the debt If you want"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7604869949307276558)  2026-02-09T14:20Z [---] followers, [---] engagements


"Stay safe out here when it comes to learning from this app #creditrepair #creditrepairtips #creditrepairservices #studentloans #studentloandebt @JasmineCredit&Money I hope no one is clicking that link 👀 Follow the real page 💋 Remove Charge Offs Collections Student Loans Lates Repossessions Trying to fix your credit in [----] Remove collections Charge off from credit How to remove evictions Credit repair [--] usc [----] @JasmineCredit&Money I hope no one is clicking that link 👀 Follow the real page 💋 Remove Charge Offs Collections Student Loans Lates Repossessions Trying to fix your credit in"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7499849186041711918)  2025-05-02T14:06Z [---] followers, [----] engagements


"Need to dispute a collection with the Collection Agency Heres two options to send a Debt Validation letter today 💻 Online Just create a free account with the CFPB 📮 Mail You can send Regular Mail but Certified Letter is recommended to ensure it was received Follow for more credit repair tips 🦋 #debtcollector #debtcollection #debt #debtfree #debtpayoff How to send Debt Validation letter to a Collection Agency how to send debt validation letter how to send debt collection letter debt validation letter debt collector validation fdcpa validation request prove the debt letter dispute debt"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7606900862987799821)  2026-02-15T01:40Z [---] followers, [---] engagements


"Laws I use to legally remove collections from credit without paying works like this: 📌 you want to save this 😉 ✅ FCRA Laws remove collections from Credit Reports by: Demanding the Credit Bureaus to investigate their own reporting Challenges the investigation itself ✅ FDCPA laws delete collection debt with the Debt Collector by: Demanding proof the debt collector owns the debt Challenges any violation the debt collector made attempting to collect the debt Congress passed Consumer Laws that let you challenge the Credit Bureaus your Credit Report and Debt Collectors. Leverage these legal"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7606467693826297101)  2026-02-13T21:39Z [---] followers, [---] engagements


"Replying to @LovinGraze Catering Self credit builder loans are both great for boosting your credit score by targeting 30% of the points available by focusing on your Payment History. Downside you have to make on-time payments for Self to report positive information each month. 🟢 Pay on-time youll see your score go up 🔴 Late by even 30-days youll see your credit score drop almost [--] points I post daily credit repair tips and credit building hacks to show you how to build credit the right way. Hit the follow button so you never miss out #latepayments #debt #creditscoretips #creditrepairtips"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7605995038522313998)  2026-02-12T15:05Z [---] followers, [---] engagements


"If your credit score feels stuck its usually not because youre doing nothing. Its because the things you are doing arent reporting the way you think they are. Building credit isnt about vibes or hoping. Its about adding the right type of accounts in the right order. 🫂Authorized User Credit Cards 🏦Credit builder loans 💳Secured cards 🛜 Self-reporting .They all work. just not the same way. Be sure to 📌Save this post. This is the foundation most people skip. #buildcredit #creditbuilding #creditrepair #creditscoretips #badcredithelp"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7605602315264871693)  2026-02-11T13:41Z [---] followers, [---] engagements


"Getting approved for a Credit Card in [----] just got easier with these [--] tips 💳 📌 Save this post for later ➕ Follow for more credit building tips #creditcard #creditcards #creditlimit #amex #americanexpress Bonus Tip Follow for more credit building hacks Tips #1: Go for the pre-approval Tip #3: Aim for the credit cards in the same tier as your current cards Tip #4: Become an Authorized User Tip #5: Use your HOUSEHOLD Income Tip #2 Look to getting a step up card with your current bank credit card approval authorized user au credit card how to boost credit improve credit score increase credit"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7605355776969886989)  2026-02-10T21:44Z [---] followers, [---] engagements


"Beat a Debt Collector by using these [--] things to your advantage [--]. Send debt validation within [--] days of receiving a validation notice or when you first see the collection on your credit report [--]. Understanding your rights under the FDCPA when debt collectors are communicating with you [--]. Knowing the difference between a debt collector owning the debt and be authorized to collect the debt. Debt Collectors win because 😈 You dont respond to the Validation Notice 😈 You dont know that calling all day everyday is illegal 😈 You dont make them give you proof they can collect the debt If you want"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7604869949307276558)  2026-02-09T14:20Z [---] followers, [---] engagements


"Remove Eviction from your Credit and Public Records 📌 Save this step-by-step . . . Loving this style of video Want more Let me know down in the comments 🦋 #eviction #evictionnotice #tenanteviction #evicted #creatorsearchinsights *the natural light of the sun betrayed me How to Remove Eviction how to remove an eviction from credit report eviction on credit report removal remove eviction from public records eviction judgment credit report disputing an eviction on credit report eviction collection removal how long evictions stay on credit credit repair eviction removal eviction reporting"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7604550151054626062)  2026-02-08T17:38Z [---] followers, [---] engagements


"Late Payment dispute letters dont work because youre writing them based on the law and not the reason for the law. You dont realize that the laws to remove late payments are the cart. The violations you find on your credit reportthats the horse 🐎 Ready to get off to the races with repairing your credit (see what I did there) Make sure you are using real credit repair strategies Hit the follow button for daily credit repair tips and credit building hacks 🦋 #latepayments #debt #creditscoretips #creditrepairtips #creatorsearchinsights Remove Late Payments from your Credit using your Payment"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7604138321513598222)  2026-02-07T15:00Z [---] followers, [---] engagements


"Debt Validation Notice in the mail Don't panicfight back 💪 Here's your game plan This letter isn't a punishmentit's your OPPORTUNITY 👏 📌 Save this before you need it What to look for on that notice: Original creditor's name Total amount they claim you owe Your right to dispute (yes it's required to be there) The debt collector's contact info That 30-day dispute window deadline Your next move: [--] Send a Debt Validation Letter within [--] days [--] Request proof this debt is actually yours [--] Use certified mail OR file through CFPB complaint portal Once you dispute They MUST: 👉 Stop collection"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7603874011390512397)  2026-02-06T21:55Z [---] followers, [---] engagements


"Account now Charged Off [--] things that just might happen next 😳 [--] Creditor writes off debt issues 1099-C based on amount [--] Creditor sells debt to a Debt Buyer [--] Creditor takes it to court (debt collection lawsuit) Want to avoid these options Most creditors have a Hardship Program that will allows them to work with you to pay off your debt without charging off the account. But you want to act quickly 💨 Be sure to share this with a friend if you found it helpful ♥ I post daily credit repair tips be sure to follow so you never miss out. #creditrepair #creditrepairtips #debt #creditcarddebt"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7603776489892482317)  2026-02-06T15:37Z [---] followers, [---] engagements


"Klarna collection on your credit Two laws you need to tap into to delete a collections👇🏾 ✔ Fair Credit Reporting Act ✔ Fair Debt Collections Practices Act Any debt collector who is reporting on your credit and attempting debt collection need to follow these laws. When they dont👩⚖ you get to sue them I post daily credit repair tips Follow for more ✨ #klarna #afterpay #affirm #debtcollector #creatorsearchinsights klarna klarna debt klarna collection klarna collector bnpl debt collector debt collection [---] 💸 Klarna Collection Deleted Jefferson Capital: no record of debt will terminate now"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7603412361596226829)  2026-02-05T16:03Z [---] followers, [---] engagements


"FCRA laws are not the cheat code for credit repair Credit bureaus dont delete accounts just because you quoted [--] USC [----] ⚠ If your dispute has no reason the law wont save it. Stop struggling to fix your credit and having your disputes verified as accurate. The Fair Credit Reporting Act doesnt work like a magic spell. FCRA laws set the rules credit bureaus have to follow when they report investigate and verify information. If an account is actually: inaccurate misleading incomplete or cant be verified correctly THATS when the law applies. Once you understand how FCRA laws connect to specific"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7603060519464914189)  2026-02-04T17:18Z [---] followers, [---] engagements


"Dispute late payments on your credit with the Credit Bureau like this 👆🏾 Ready to fix your credit I post daily credit repair tips and credit building hacks ➕ hit follow for more #latepayments #debt #creditscoretips #creditrepairtips #creditcards How do I get late payments removed from my credit report [--] Pull your credit reports and look for inconsistent reporting for the account showing missed payments [--] Write a dispute letter to the Credit Bureau(s) and wait for a response [--] If Verified send Round [--] and challenge the Credit Bureaus Investigation The FCRA lets you dispute any negative item"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7602699594463464718)  2026-02-03T17:58Z [---] followers, [--] engagements


"Late payment dispute letters fail for ONE reason 👀 Youre being told to do these two things the Credit Bureaus can verify ❌ Argue the late payment ❌ Include every FCRA law What you should be doing: challenging the verification process itself. A strong late payment dispute forces the credit reporting agency to actually investigate instead of auto-verifying through e-OSCAR. If youre not giving the Credit Bureaus to go look for themselves than they only need to look for the late being right or the late being wrong. 🤡 And you were late remember ☝🏾this is why your dispute comes back verified bte"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7602293569692388621)  2026-02-02T15:41Z [---] followers, [---] engagements


"I decided that [----] was going to be radically different than [----]. And while it was when you think about it 😷 [----] was my Anything could happen year If you have ever been on a journey to get out of debt fix your finances get that wealthy feeling and somehow something always happened that left you right back in that same place I want you to do this. Lock into a baby step 🤏🏾 nothing grand. Dont go crazy Anything can really happen I post daily credit repair tips and credit building hacks. 🦋 so make sure you hit the follow button so you never miss out. #creditrepair #creditrepairtips #credit"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7601927582530981175)  2026-02-01T16:02Z [---] followers, [---] engagements


"How to fix your credit yourself (Credit Repair 2026) 👇 Steps to get started below 👇 👉🏾DISPUTING👈🏾 [--]. Pull your credit reports [--]. Note all negative items and information that is inaccurate [--]. Dispute personal information online [--]. Dispute hard inquiries by phone (or online method) [--]. Highlight any inaccurate inconsistent information reported for the accounts you want to dispute [--]. Write a dispute letter to the credit reporting agencies only including the accounts they are reporting [--]. Wait for them to respond or for the [--] day window to pass if no response [--]. Follow up with round 2"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7601533999785200951)  2026-01-31T14:35Z [---] followers, [---] engagements


"Missed payments dont compare to a charge off even when youre account was charged off after you were late that one time 😩 I post daily credit repair tips and real credit education. 🦋 follow so you never miss a post #latepayments #debt #creditscoretips #creditrepairtips #creatorsearchinsights Stop trying to remove late payments from a charged off account 🙄 remove charge off from credit cfpb chargeoff removal [----] cfpb chargeoff removal [----] never pay a charge off charge off vs collection removing closed accounts with a balance how to remove charge off with balance charge off with a balance"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7601203489062096142)  2026-01-30T17:11Z [---] followers, [----] engagements


"530 to [---] credit score 🎉 And all I needed to do was send in a dispute letter to Experian Equifax and TransUnion. The first two letters that I sent were asking for an investigation and details on how the credit bureau investigated. Within [--] days I had already seen charge offs come off my credit report ✨ 🧑💻 You just need to sit down type your dispute letter up and send it off. And [--] days from now you can see your credit score increase [---] points just by removing negative items like Charge Offs Collections and even Late Payments. 💻 Head to my bio to grad the FREE Jumpstart Checklist to"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7600808147103517965)  2026-01-29T15:38Z [---] followers, [---] engagements


"Replying to @Chris is in thee building Credit Card Application Rejected 🙅♀ two things you need to know to take action if you really want to be approved 💳 Creditors will typically mail you a reason for why they rejected you. This information is GOLD ✨ if youre trying to fix or build credit and you dont know what to focus on. ☎ Creditors for Credit Cards and even background checks have something known as a Reconsideration line. This is the human experience you think you were getting when you first applied 🫂 And if you want me to take this even further just drop RECONSIDERATION in the"  
[TikTok Link](https://www.tiktok.com/@passivelyjazzed_moc/video/7600487853130288415)  2026-01-28T18:54Z [---] followers, [---] engagements

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