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[@lilliebeevibes](/creator/tiktok/lilliebeevibes)
"🚨 Heres how to remove it in XX days When an original creditor sells your debt the new collection agency has no original contract with you. That means they must prove you owe them or they legally cannot collect on that debt. And guess what Most of them cant. 💡 Why You Shouldnt Rush to Pay This is why paying any negative account should always be your last resort. Dispute it and you can have it wiped from your credit in 4590 days with my dispute letters. 📋 This Applies To: Student loans Hospital bills Repossessions Evictions Collections Charge-offs Late payments ✉ Want My Help Say loophole"  
[TikTok Link](https://www.tiktok.com/@lilliebeevibes/video/7561618647530130702) [@lilliebeevibes](/creator/tiktok/lilliebeevibes) 2025-10-16T01:02Z 34.1K followers, 1452 engagements


"FEDS done sued EXPERIAN & EQUIFAX for not removing accounts🤔 GO REPORT 😱😱😱 Take advantage This is a GREAT time of year to remove your collections 💸💸💸 DOESN'T 👏🏿 MATTER👏🏿IF👏🏿YOU👏🏿OWE👏🏿THE👏🏿DEBT Who needs info Say ME to be sent info"  
[TikTok Link](https://www.tiktok.com/@lilliebeevibes/video/7560751854670433591) [@lilliebeevibes](/creator/tiktok/lilliebeevibes) 2025-10-13T16:59Z 33.9K followers, 1364 engagements


"POV: I have a fast credit repair tip that worked for me. Follow me to increase your credit score + LEARN MORE & ask me "HOW DO NOT pay your collections on your credit report Instead send them a CERTIFIED LETTER asking them to validate the debt If they don't respond with the VALIDATION paperwork within XX days the debt MUST BE PERMANENTLY REMOVED off your credit report This will boost/ increase your credit score tremendously without you paying off the debt If you need the certified letters I have them"  
[TikTok Link](https://www.tiktok.com/@lilliebeevibes/video/7560882699666263310) [@lilliebeevibes](/creator/tiktok/lilliebeevibes) 2025-10-14T01:26Z 33.9K followers, XXX engagements


"THERES NO LIMITS"  
[TikTok Link](https://www.tiktok.com/@lilliebeevibes/video/7488086636924865838) [@lilliebeevibes](/creator/tiktok/lilliebeevibes) 2025-03-31T21:20Z 34.1K followers, 811.8K engagements


"📞 Phone Script (Read This When You Call): Hi my name is Full Name. Im calling to update my identity information after the TransUnion data breach. Please ensure that only my current address is on file and remove all aliases only my name as shown on my ID should remain. Id also like to request removal of any unauthorized or unverifiable hard inquiries. If the Representative Asks for Clarification: Say: I recently learned about the TransUnion data breach and under the FCRA Im requesting to verify and remove all inquiries that cannot be confirmed directly by the furnisher. ✅ After They Confirm"  
[TikTok Link](https://www.tiktok.com/@lilliebeevibes/video/7561559127189720375) [@lilliebeevibes](/creator/tiktok/lilliebeevibes) 2025-10-15T21:11Z 34.1K followers, 96.9K engagements


"HERES what to do Heres exactly how I turned things around: Step 1: I pulled my X credit reports to get a clear picture of my situation instead of ignoring it. Step 2: I updated my personal informationremoving old addresses and employers to eliminate errors. Step 3: I reviewed and categorized my accounts to identify collections positive accounts and hard inquiries. Step 4: I disputed negative accounts and hard inquiries through the CFPB and followed up with the bureaus to speed up the process. Step 5: I applied for credit strategically while keeping my utilization at X% to maximize my score."  
[TikTok Link](https://www.tiktok.com/@lilliebeevibes/video/7561794253551127863) [@lilliebeevibes](/creator/tiktok/lilliebeevibes) 2025-10-16T12:23Z 34.1K followers, 2658 engagements


"Say MOVE ME to be sent info👇🏽 DO NOT. I repeat. Do NOT pay off your collections thinking it will be removed from your credit it will stay there just like pleading guilty to a speeding ticket and paying the fine Let me get it removed for you"  
[TikTok Link](https://www.tiktok.com/@lilliebeevibes/video/7562348890620464439) [@lilliebeevibes](/creator/tiktok/lilliebeevibes) 2025-10-18T00:16Z 34.1K followers, 1212 engagements