1
00:00:00,040 --> 00:00:01,520
Welcome to the Four Sisters
2
00:00:01,520 --> 00:00:03,041
Legacy Podcast for high
3
00:00:03,041 --> 00:00:04,361
achieving women who want to
4
00:00:04,361 --> 00:00:05,201
take control of their
5
00:00:05,201 --> 00:00:06,882
finances. The podcast where
6
00:00:06,882 --> 00:00:08,202
money, life and sisterhood
7
00:00:08,202 --> 00:00:10,163
meets. I'm Christian David,
8
00:00:10,323 --> 00:00:11,763
your money life coach, the
9
00:00:11,763 --> 00:00:13,043
youngest of the four sisters,
10
00:00:13,123 --> 00:00:14,724
Olga Markin, one half of the
11
00:00:14,724 --> 00:00:16,564
twins. Your debt strategist.
12
00:00:16,564 --> 00:00:18,245
I'm Josie Bamba, the other
13
00:00:18,245 --> 00:00:19,885
half of the twins, your money
14
00:00:19,885 --> 00:00:21,365
planning coach. And I'm Aline
15
00:00:21,365 --> 00:00:23,166
Clark, your credit coach, the
16
00:00:23,206 --> 00:00:24,806
oldest of all the sisters.
17
00:00:24,886 --> 00:00:26,647
And we are the host of the
18
00:00:26,887 --> 00:00:29,087
Four Sisters Legacy podcast.
19
00:00:29,367 --> 00:00:31,128
I know, so cheesy. But
20
00:00:31,128 --> 00:00:32,248
listen, on this podcast,
21
00:00:32,568 --> 00:00:33,768
we'll have the conversations
22
00:00:33,768 --> 00:00:35,289
about money we wish we had
23
00:00:35,529 --> 00:00:36,969
growing up so you can feel
24
00:00:36,969 --> 00:00:38,450
financially confident. We
25
00:00:38,450 --> 00:00:39,610
have been where you are,
26
00:00:39,610 --> 00:00:41,250
stressed, overwhelmed, and
27
00:00:41,250 --> 00:00:43,211
unsure about money, but we
28
00:00:43,211 --> 00:00:44,651
reward our money stories and
29
00:00:44,651 --> 00:00:46,132
now we are to help you do the
30
00:00:46,172 --> 00:00:47,932
same. If managing money feels
31
00:00:47,932 --> 00:00:49,572
overwhelming or you're unsure
32
00:00:49,572 --> 00:00:50,413
about your financial
33
00:00:50,453 --> 00:00:52,253
decisions, this podcast is
34
00:00:52,253 --> 00:00:53,533
your safe speech. We'll share
35
00:00:53,533 --> 00:00:55,254
stories, strategies, and
36
00:00:55,254 --> 00:00:56,734
tools to help you create the
37
00:00:56,734 --> 00:00:58,015
financial freedom you
38
00:00:58,015 --> 00:01:00,255
deserve. Expect weekly solo
39
00:01:00,255 --> 00:01:02,336
episodes diving into mindset,
40
00:01:02,416 --> 00:01:04,736
money planning, debt management, and credit
41
00:01:04,736 --> 00:01:06,497
health. Plus monthly group
42
00:01:06,497 --> 00:01:08,257
episodes blending family,
43
00:01:08,257 --> 00:01:09,577
life, and deep money
44
00:01:09,617 --> 00:01:11,058
thoughts. So grab a seat at
45
00:01:11,058 --> 00:01:12,698
the table and let's rewrite
46
00:01:12,698 --> 00:01:14,259
the money narrative one
47
00:01:14,259 --> 00:01:15,779
conversation at a time. Make
48
00:01:15,779 --> 00:01:16,979
sure to subscribe so you
49
00:01:16,979 --> 00:01:18,700
never miss an episode and
50
00:01:18,700 --> 00:01:20,140
share this podcast with the
51
00:01:20,140 --> 00:01:21,780
women in your life. Together,
52
00:01:21,780 --> 00:01:23,461
we can build a legacy of
53
00:01:23,461 --> 00:01:25,221
confidence and financial freedom.
54
00:01:27,343 --> 00:01:28,703
Welcome back to the Four
55
00:01:28,703 --> 00:01:30,943
Sisters Legacy Podcast. I'm
56
00:01:31,023 --> 00:01:33,103
Aline, your credit coach and
57
00:01:33,103 --> 00:01:34,383
one of the four sisters
58
00:01:34,383 --> 00:01:36,303
behind Green Wealth Legacy.
59
00:01:36,863 --> 00:01:38,623
Today's episode is all about
60
00:01:38,623 --> 00:01:41,583
credit. What is credit? Why
61
00:01:41,583 --> 00:01:43,743
it's important? Where you pull
62
00:01:43,743 --> 00:01:46,023
your credit score from? How to
63
00:01:46,023 --> 00:01:47,703
find mistake and fix them and
64
00:01:47,703 --> 00:01:49,823
what to do when the mistakes
65
00:01:49,823 --> 00:01:51,743
do not get fixed in a timely
66
00:01:51,743 --> 00:01:54,543
manner. Let's talk about it.
67
00:01:56,063 --> 00:01:57,663
Your credit is like your
68
00:01:57,663 --> 00:01:59,663
financial reputation.
69
00:02:00,783 --> 00:02:02,343
It is what lender use to
70
00:02:02,383 --> 00:02:04,383
measure your trust, how they
71
00:02:04,383 --> 00:02:06,543
decide if they
72
00:02:07,583 --> 00:02:09,183
if they should lend you
73
00:02:09,183 --> 00:02:10,503
money and how you're going to
74
00:02:10,543 --> 00:02:13,143
pay it back. Think of it as a
75
00:02:13,143 --> 00:02:14,943
report card for adults.
76
00:02:15,263 --> 00:02:17,823
Instead of having an A&B in
77
00:02:17,823 --> 00:02:18,903
science, in math,
78
00:02:20,703 --> 00:02:23,423
in physics, your credit
79
00:02:23,423 --> 00:02:25,623
reflect how well you manage
80
00:02:25,663 --> 00:02:28,303
your finances. A good
81
00:02:28,303 --> 00:02:29,863
credit will opens the door
82
00:02:29,863 --> 00:02:31,343
for you, like allow you to
83
00:02:31,343 --> 00:02:32,863
get a profile car notes, a
84
00:02:33,583 --> 00:02:35,343
mortgage while you're getting
85
00:02:35,343 --> 00:02:37,023
them at a lower interest, or
86
00:02:37,023 --> 00:02:38,463
even to get a dream job.
87
00:02:39,823 --> 00:02:42,543
Now on the flip side. A
88
00:02:42,543 --> 00:02:44,703
not so great credit will make
89
00:02:44,703 --> 00:02:46,143
things difficult for you. It
90
00:02:46,143 --> 00:02:47,823
might even close some doors
91
00:02:47,903 --> 00:02:49,263
where you get denied for some
92
00:02:49,263 --> 00:02:51,343
stuff that you need. But
93
00:02:51,343 --> 00:02:53,903
here's the good news. Your
94
00:02:53,903 --> 00:02:55,743
credit is not set in stone.
95
00:02:56,543 --> 00:02:57,983
It means that you can build
96
00:02:57,983 --> 00:02:59,823
it, you can repair it, and
97
00:02:59,823 --> 00:03:01,343
you can make it work for you.
98
00:03:01,983 --> 00:03:03,263
It's all about knowing the
99
00:03:03,303 --> 00:03:04,303
rules of the game.
100
00:03:06,543 --> 00:03:08,543
Now let's talk about spotting
101
00:03:08,543 --> 00:03:10,463
mistakes and fixing them.
102
00:03:10,943 --> 00:03:12,543
Because remember, your credit
103
00:03:12,543 --> 00:03:14,583
report is like a mirror that
104
00:03:14,583 --> 00:03:15,983
reflects your financial
105
00:03:16,063 --> 00:03:18,383
history. Sometimes that
106
00:03:18,383 --> 00:03:20,303
mirror cracks and now you
107
00:03:20,303 --> 00:03:21,583
start seeing all kinds of
108
00:03:21,583 --> 00:03:23,023
stuff in it, all kinds of
109
00:03:23,023 --> 00:03:24,663
smudges that are not your
110
00:03:24,663 --> 00:03:27,263
fault. When that happen,
111
00:03:27,903 --> 00:03:28,943
there's things that you need
112
00:03:28,943 --> 00:03:30,783
to do to help your situation.
113
00:03:31,103 --> 00:03:32,383
And that's why it's very
114
00:03:32,383 --> 00:03:34,223
important that you check your
115
00:03:34,223 --> 00:03:36,303
credit report regularly.
116
00:03:37,823 --> 00:03:39,103
Did you know, according to
117
00:03:39,103 --> 00:03:41,063
Forbes magazine?34% of
118
00:03:41,183 --> 00:03:43,103
Americans have an error on
119
00:03:43,103 --> 00:03:45,823
their credit report. So that
120
00:03:45,823 --> 00:03:47,023
means that those mistakes are
121
00:03:47,023 --> 00:03:49,343
going to drag your score down
122
00:03:49,623 --> 00:03:51,263
and cost you money in the
123
00:03:51,263 --> 00:03:54,103
long run. Again, important
124
00:03:54,103 --> 00:03:55,503
that you check your credit on
125
00:03:55,503 --> 00:03:57,983
a regular basis. I'm going to
126
00:03:57,983 --> 00:04:00,623
attach these the Forbes
127
00:04:00,783 --> 00:04:02,463
article in the show note for
128
00:04:02,463 --> 00:04:03,823
you to read because there's
129
00:04:03,823 --> 00:04:05,343
more information on it to
130
00:04:05,343 --> 00:04:06,623
help you out in your journey.
131
00:04:07,423 --> 00:04:09,503
Here's another good news. You
132
00:04:09,503 --> 00:04:11,823
have the power to fix these
133
00:04:11,823 --> 00:04:13,423
mistakes that you find on
134
00:04:13,423 --> 00:04:16,303
your credit report. So how do
135
00:04:16,303 --> 00:04:18,303
you go about doing it if you
136
00:04:18,543 --> 00:04:20,063
you want to fix this
137
00:04:20,063 --> 00:04:21,823
mistake? Well, the first thing
138
00:04:21,823 --> 00:04:23,383
you want to do is you want to
139
00:04:23,423 --> 00:04:25,343
pull your credit report from
140
00:04:25,383 --> 00:04:27,823
annualcreditreport.com. Since
141
00:04:27,823 --> 00:04:29,823
2020, the government has
142
00:04:29,823 --> 00:04:31,023
allowed us to have a free
143
00:04:31,023 --> 00:04:33,023
credit report on a weekly
144
00:04:33,183 --> 00:04:34,463
basis from
145
00:04:34,543 --> 00:04:37,263
annualcreditreport.com. So
146
00:04:37,503 --> 00:04:39,743
pull that out. And sit down
147
00:04:39,743 --> 00:04:40,943
with a highlighter
148
00:04:42,383 --> 00:04:44,583
and study that report
149
00:04:44,783 --> 00:04:46,623
carefully. You want to look
150
00:04:46,623 --> 00:04:48,063
at things like the spelling
151
00:04:48,063 --> 00:04:50,623
of your name, old jobs,
152
00:04:51,343 --> 00:04:53,783
old addresses, old phone
153
00:04:53,783 --> 00:04:56,703
numbers, accounts that
154
00:04:56,703 --> 00:04:58,383
were that are marked late
155
00:04:58,383 --> 00:05:00,703
that you know for sure were
156
00:05:00,783 --> 00:05:02,943
on time, account that you do
157
00:05:02,943 --> 00:05:05,543
not recognize or your credit
158
00:05:05,543 --> 00:05:08,303
limit not being updated. You
159
00:05:08,303 --> 00:05:09,463
want to take your time with
160
00:05:09,463 --> 00:05:11,503
this and do not neglect any
161
00:05:11,503 --> 00:05:13,983
details because it's going.
162
00:05:13,983 --> 00:05:15,423
If you allow this mistake
163
00:05:15,423 --> 00:05:16,703
being put on your credit
164
00:05:16,703 --> 00:05:19,183
report, eventually it's going
165
00:05:19,183 --> 00:05:21,983
to cost you money. So once
166
00:05:21,983 --> 00:05:23,823
you have highlighted all the
167
00:05:23,903 --> 00:05:25,183
mistake, you've aligned them.
168
00:05:25,983 --> 00:05:27,903
Now you need to gather all
169
00:05:27,903 --> 00:05:29,343
the document necessary
170
00:05:29,343 --> 00:05:30,783
document to prove that these
171
00:05:31,023 --> 00:05:33,663
are not mistakes. We're talking about bank
172
00:05:33,663 --> 00:05:34,943
statements, payment
173
00:05:34,943 --> 00:05:36,743
confirmation and things like
174
00:05:36,743 --> 00:05:39,223
that. So now you have all
175
00:05:39,223 --> 00:05:41,263
that organized, you need to
176
00:05:41,263 --> 00:05:42,543
start what we call your
177
00:05:42,543 --> 00:05:44,823
dispute process. How do you
178
00:05:44,863 --> 00:05:47,503
do your dispute process? You
179
00:05:47,503 --> 00:05:48,863
want to contact the credit
180
00:05:48,863 --> 00:05:50,583
agency that's reporting the
181
00:05:50,623 --> 00:05:51,983
mistakes. It could be
182
00:05:51,983 --> 00:05:53,463
experience, Equifax or
183
00:05:53,463 --> 00:05:55,983
TransUnion. Most of them will
184
00:05:55,983 --> 00:05:57,183
allow you to file that
185
00:05:57,183 --> 00:05:59,023
dispute online, which is
186
00:05:59,023 --> 00:05:59,823
going to speed up the
187
00:05:59,823 --> 00:06:02,023
process. So you want to go to
188
00:06:02,023 --> 00:06:04,103
their dispute portal. And
189
00:06:04,103 --> 00:06:06,223
send your dispute letters
190
00:06:06,223 --> 00:06:07,983
there by uploading all those
191
00:06:07,983 --> 00:06:10,543
documents on the portal. You
192
00:06:10,543 --> 00:06:13,063
want to be clear and precise
193
00:06:13,063 --> 00:06:15,463
and concise in explaining the
194
00:06:15,463 --> 00:06:18,103
issue. Now listen to
195
00:06:18,143 --> 00:06:21,023
this. It is unlawful
196
00:06:21,263 --> 00:06:23,743
for them to report errors on
197
00:06:23,743 --> 00:06:26,703
your credit report. Sometimes
198
00:06:26,703 --> 00:06:29,063
it happens, sometimes it
199
00:06:29,063 --> 00:06:31,743
doesn't. By law
200
00:06:31,903 --> 00:06:34,463
they have. 30 days once you
201
00:06:34,463 --> 00:06:36,863
submit a a complaint to
202
00:06:36,863 --> 00:06:38,943
investigate and respond.
203
00:06:39,863 --> 00:06:42,783
When you send out a
204
00:06:42,783 --> 00:06:45,343
complaint, sometimes
205
00:06:45,663 --> 00:06:46,543
they will look at the
206
00:06:46,543 --> 00:06:49,143
complaint, investigate it and
207
00:06:49,143 --> 00:06:50,663
then realize that yes, that's
208
00:06:50,663 --> 00:06:53,103
an error and update your
209
00:06:53,103 --> 00:06:55,423
credit report. Then they'll
210
00:06:55,423 --> 00:06:58,143
notify you by mail or phone
211
00:06:58,143 --> 00:06:59,743
call or however you decided
212
00:06:59,743 --> 00:07:00,463
that you wanted to be
213
00:07:00,463 --> 00:07:02,783
contacted. They will do that.
214
00:07:03,423 --> 00:07:04,943
But other times, remember,
215
00:07:05,183 --> 00:07:06,623
they don't always follow the
216
00:07:06,623 --> 00:07:09,103
law. It is unlawful for them
217
00:07:09,103 --> 00:07:10,783
to report errors on your
218
00:07:10,783 --> 00:07:13,183
credit report. So sometimes,
219
00:07:13,423 --> 00:07:14,543
even though you send that
220
00:07:14,543 --> 00:07:15,823
letter for them to fix it,
221
00:07:16,063 --> 00:07:17,703
they don't investigate and
222
00:07:17,703 --> 00:07:18,823
therefore your credit report
223
00:07:18,823 --> 00:07:21,023
does not get updated. So what
224
00:07:21,023 --> 00:07:23,663
happens when they
225
00:07:23,663 --> 00:07:25,823
don't respond in a timely
226
00:07:25,823 --> 00:07:28,663
manner? Well, under the Fair
227
00:07:28,703 --> 00:07:30,263
Credit Reporting Act, the
228
00:07:30,543 --> 00:07:33,463
SCRA, they because they are
229
00:07:33,463 --> 00:07:36,023
required to investigate and
230
00:07:36,023 --> 00:07:37,343
those dispute in a timely
231
00:07:37,343 --> 00:07:39,343
manner. If they don't do
232
00:07:39,343 --> 00:07:41,343
that, they are violating
233
00:07:41,343 --> 00:07:42,543
federal law.
234
00:07:45,183 --> 00:07:47,103
So if you notice that after
235
00:07:47,103 --> 00:07:49,583
multiple attempts. To fix
236
00:07:49,583 --> 00:07:51,023
your error, nothing gets
237
00:07:51,023 --> 00:07:52,383
done, meaning that you send a
238
00:07:52,383 --> 00:07:54,183
letter one, letter 2, letter
239
00:07:54,183 --> 00:07:55,903
3 and they still don't get
240
00:07:55,903 --> 00:07:57,263
your the errors fixed on your
241
00:07:57,263 --> 00:07:58,623
credit report. There are
242
00:07:58,623 --> 00:07:59,823
several things that you can
243
00:07:59,823 --> 00:08:01,823
do to help your situation.
244
00:08:02,703 --> 00:08:04,223
First thing you could do is
245
00:08:04,223 --> 00:08:06,063
you can go under the CFPB
246
00:08:06,303 --> 00:08:08,143
Consumer Financial Protection
247
00:08:08,143 --> 00:08:10,703
Bureau and you can send
248
00:08:11,383 --> 00:08:13,743
a complaint there. The website is
249
00:08:13,743 --> 00:08:16,543
consumerfinance.gov.
250
00:08:16,943 --> 00:08:18,383
I know their name and their
251
00:08:18,383 --> 00:08:19,463
websites is two different
252
00:08:19,463 --> 00:08:22,063
things. Consumerfinance.gov
253
00:08:22,063 --> 00:08:23,583
is a website where you will
254
00:08:23,583 --> 00:08:26,223
go and upload and file your
255
00:08:26,223 --> 00:08:27,903
complaint by uploading all
256
00:08:27,903 --> 00:08:30,463
the documents that we collected previously,
257
00:08:32,783 --> 00:08:34,223
that we collected previously.
258
00:08:34,223 --> 00:08:35,183
You want to upload all that
259
00:08:35,183 --> 00:08:37,743
information there. Or you
260
00:08:37,743 --> 00:08:39,023
could contact your state
261
00:08:39,023 --> 00:08:40,863
attorney general to file a
262
00:08:40,863 --> 00:08:43,023
complaint against whoever is
263
00:08:43,023 --> 00:08:45,263
reporting the error and not
264
00:08:45,263 --> 00:08:46,543
fixing it, therefore.
265
00:08:47,503 --> 00:08:50,463
Breaking the law. Each state
266
00:08:50,463 --> 00:08:52,143
has their own a state
267
00:08:52,143 --> 00:08:53,863
attorney general. So you want
268
00:08:53,903 --> 00:08:54,863
to Google the attorney
269
00:08:54,863 --> 00:08:56,703
general in your state, call
270
00:08:56,703 --> 00:08:58,223
them and they'll show you how
271
00:08:58,223 --> 00:08:59,943
to file a complaint. They'll
272
00:08:59,943 --> 00:09:02,623
give you what to do. Or you
273
00:09:02,623 --> 00:09:04,863
could just go for the juggler
274
00:09:05,423 --> 00:09:07,823
and consider legal action.
275
00:09:07,903 --> 00:09:10,023
Yes, under the
276
00:09:10,943 --> 00:09:12,783
Fair Credit Reporting Act.
277
00:09:13,343 --> 00:09:16,063
You have the right to sue
278
00:09:16,223 --> 00:09:17,823
or consider legal action
279
00:09:17,983 --> 00:09:19,343
against the agency who
280
00:09:19,343 --> 00:09:20,943
refuses to fix error on your
281
00:09:20,943 --> 00:09:23,623
credit. So if you need help
282
00:09:23,623 --> 00:09:25,343
with that, I would love to
283
00:09:25,343 --> 00:09:27,023
encourage you to schedule a
284
00:09:27,023 --> 00:09:28,503
free discovery session at
285
00:09:28,503 --> 00:09:31,183
greenwealthlegacy.com so we
286
00:09:31,183 --> 00:09:32,863
can explore your session.
287
00:09:35,103 --> 00:09:37,223
Now how does the dispute
288
00:09:37,223 --> 00:09:40,103
process go? So first
289
00:09:40,103 --> 00:09:41,423
thing we want to do is pull
290
00:09:41,423 --> 00:09:43,743
that credit report. Study it,
291
00:09:43,983 --> 00:09:45,343
highlight all the errors.
292
00:09:45,823 --> 00:09:47,343
Then we want to gather all
293
00:09:47,343 --> 00:09:48,863
the evidence. We want to
294
00:09:48,863 --> 00:09:50,703
collect all the documents
295
00:09:50,703 --> 00:09:53,023
that is needed for the error
296
00:09:53,503 --> 00:09:54,783
payment receipt. We mentioned
297
00:09:54,783 --> 00:09:55,743
that earlier account
298
00:09:55,743 --> 00:09:57,743
statements. Correspondence.
299
00:09:57,743 --> 00:09:58,743
The letters that you've been
300
00:09:58,943 --> 00:10:00,303
writing back and forth with
301
00:10:00,303 --> 00:10:01,303
them. You wrote them a
302
00:10:01,303 --> 00:10:02,143
letter, they wrote you a
303
00:10:02,143 --> 00:10:03,823
letter, or they ignore you.
304
00:10:03,823 --> 00:10:04,943
You wrote them a letter 30
305
00:10:04,943 --> 00:10:05,983
days later. There was no
306
00:10:06,063 --> 00:10:07,423
nothing like that. You want
307
00:10:07,423 --> 00:10:10,383
to have proof of that screenshot of some
308
00:10:10,383 --> 00:10:11,903
information that you've seen
309
00:10:12,063 --> 00:10:13,423
or the text message that you
310
00:10:13,423 --> 00:10:14,743
received with them. You want
311
00:10:14,743 --> 00:10:15,463
to collect all that
312
00:10:15,463 --> 00:10:17,023
information and be organized
313
00:10:17,023 --> 00:10:19,263
and put that together. Then
314
00:10:19,263 --> 00:10:20,383
you want to draft your
315
00:10:20,383 --> 00:10:22,183
dispute letter. How does your
316
00:10:22,183 --> 00:10:23,463
dispute letter? In your
317
00:10:23,463 --> 00:10:24,623
dispute letter you want to.
318
00:10:25,143 --> 00:10:26,703
Clearly state what the error
319
00:10:26,703 --> 00:10:29,583
is, why it's incorrect
320
00:10:30,383 --> 00:10:32,143
and attach the copy to prove
321
00:10:32,143 --> 00:10:34,343
the correct how to correct
322
00:10:34,343 --> 00:10:36,943
the mistakes. Remember this,
323
00:10:36,943 --> 00:10:39,023
we mentioned that earlier. By
324
00:10:39,023 --> 00:10:41,503
law they have
325
00:10:41,663 --> 00:10:44,223
30 days to respond to your
326
00:10:44,463 --> 00:10:46,983
dispute. So the law that you
327
00:10:46,983 --> 00:10:48,023
want and as you're writing
328
00:10:48,023 --> 00:10:49,583
this dispute letter, you want
329
00:10:49,583 --> 00:10:51,103
to use the law to support
330
00:10:51,103 --> 00:10:52,703
yourself, to help yourself.
331
00:10:53,143 --> 00:10:54,223
And you will find the law
332
00:10:54,223 --> 00:10:55,023
that's needed for a
333
00:10:55,023 --> 00:10:56,863
particular situation under
334
00:10:58,223 --> 00:10:59,103
15
335
00:11:00,783 --> 00:11:03,743
USC 1681.
336
00:11:04,383 --> 00:11:07,023
It is a big book of
337
00:11:08,263 --> 00:11:10,543
of laws that are designed to
338
00:11:10,783 --> 00:11:12,623
help the consumer, you and
339
00:11:12,623 --> 00:11:15,263
me. So once you Google that
340
00:11:15,343 --> 00:11:18,223
15 USC 1681,
341
00:11:18,383 --> 00:11:19,543
you want to do a keyword
342
00:11:19,543 --> 00:11:21,903
search. If you're looking for
343
00:11:22,223 --> 00:11:23,983
collections, you want a
344
00:11:23,983 --> 00:11:26,303
keyword search there. If
345
00:11:26,303 --> 00:11:27,663
you're looking for a charge
346
00:11:27,663 --> 00:11:30,023
of, you want to do a keyword
347
00:11:30,023 --> 00:11:31,743
search that's going to help
348
00:11:31,743 --> 00:11:32,703
you. Whatever situation
349
00:11:32,703 --> 00:11:34,183
you're dealing with, you want
350
00:11:34,183 --> 00:11:36,023
to keyword search on the 15
351
00:11:36,023 --> 00:11:38,583
USC 1681 and the information
352
00:11:38,583 --> 00:11:40,703
will be will come up. You can
353
00:11:40,703 --> 00:11:42,623
read it and you can use it
354
00:11:42,623 --> 00:11:44,423
for yourself. Then you want
355
00:11:44,423 --> 00:11:45,743
to submit. Once you have all
356
00:11:45,743 --> 00:11:46,623
that, you have your letter,
357
00:11:46,623 --> 00:11:47,743
you have your documents, all
358
00:11:47,743 --> 00:11:49,343
of it is organized. Now you
359
00:11:49,343 --> 00:11:50,623
want to go to the agency
360
00:11:50,623 --> 00:11:51,663
portal and submit your
361
00:11:51,663 --> 00:11:53,903
dispute all of that. Or you
362
00:11:53,903 --> 00:11:55,903
can send it via mail. If you
363
00:11:55,903 --> 00:11:57,543
choose to do via mail, you
364
00:11:57,543 --> 00:11:59,263
want to do certified mail and
365
00:11:59,263 --> 00:12:01,263
keep the receipt. Because if
366
00:12:01,263 --> 00:12:03,183
later you have to consider
367
00:12:03,183 --> 00:12:04,783
legal action, you want to use
368
00:12:04,783 --> 00:12:06,783
this receipt as proof that it
369
00:12:06,783 --> 00:12:08,983
was delivered. Then you just
370
00:12:08,983 --> 00:12:10,143
don't want to sit like that
371
00:12:10,383 --> 00:12:11,583
and believe that they are
372
00:12:11,583 --> 00:12:12,903
going to do what they need to
373
00:12:12,943 --> 00:12:15,823
do. No. You want to follow
374
00:12:15,823 --> 00:12:18,463
up. You send a
375
00:12:18,463 --> 00:12:20,383
letter, you can decide
376
00:12:20,383 --> 00:12:21,503
that in two weeks I'm going
377
00:12:21,503 --> 00:12:22,303
to check to see if they
378
00:12:22,303 --> 00:12:23,983
receive and in 30 days I'm
379
00:12:23,983 --> 00:12:25,103
going to see what is to
380
00:12:25,103 --> 00:12:27,063
response. And you want to
381
00:12:27,063 --> 00:12:29,423
check your credit regularly
382
00:12:29,903 --> 00:12:31,263
because sometimes they will
383
00:12:31,263 --> 00:12:34,223
fix it and I'll tell you. So
384
00:12:34,223 --> 00:12:36,423
by you checking your credit,
385
00:12:36,423 --> 00:12:37,383
you will know that it has
386
00:12:37,383 --> 00:12:39,103
been fixed and you can move
387
00:12:39,103 --> 00:12:41,103
on. But if you don't know,
388
00:12:41,263 --> 00:12:43,343
you might get upset because
389
00:12:43,343 --> 00:12:44,503
you don't check your
390
00:12:44,503 --> 00:12:46,063
report all the time.
391
00:12:47,423 --> 00:12:50,143
As you follow up, make sure
392
00:12:50,143 --> 00:12:51,743
that you stay positive
393
00:12:52,943 --> 00:12:55,663
and proactive. This is what
394
00:12:55,663 --> 00:12:58,503
is going to allow you to
395
00:12:58,503 --> 00:13:01,103
do this and do it right.
396
00:13:03,103 --> 00:13:04,863
So thank you for tuning in
397
00:13:05,503 --> 00:13:07,663
and I'll see you on the next episode
398
00:13:07,547 --> 00:13:09,067
Thank you for being part of
399
00:13:09,067 --> 00:13:10,388
the Four Sisters Legacy
400
00:13:10,388 --> 00:13:12,109
Podcast today. We hope this
401
00:13:12,109 --> 00:13:13,389
conversation gave you the
402
00:13:13,389 --> 00:13:15,070
encouragement and clarity you
403
00:13:15,070 --> 00:13:16,310
need to take control of your
404
00:13:16,310 --> 00:13:18,151
finances. Remember, you don't
405
00:13:18,151 --> 00:13:19,512
have to navigate this journey
406
00:13:19,512 --> 00:13:21,112
alone. We'd love to invite
407
00:13:21,112 --> 00:13:22,073
you to join our Facebook
408
00:13:22,073 --> 00:13:23,994
group, a judgment-free zone
409
00:13:23,994 --> 00:13:25,434
where we encourage and
410
00:13:25,434 --> 00:13:26,795
support each other in
411
00:13:26,795 --> 00:13:28,156
building lasting habits that
412
00:13:28,156 --> 00:13:29,916
favor sustainable wealth and
413
00:13:29,916 --> 00:13:31,437
financial confidence. It's
414
00:13:31,437 --> 00:13:32,958
our guilt-free spending zone.
415
00:13:33,038 --> 00:13:34,158
It's a space to connect,
416
00:13:34,318 --> 00:13:35,879
share your wins, ask
417
00:13:35,879 --> 00:13:37,439
questions, and stay inspired
418
00:13:37,840 --> 00:13:38,880
as you work towards your
419
00:13:38,880 --> 00:13:40,241
financial goals. Click the
420
00:13:40,241 --> 00:13:41,521
link in the description to
421
00:13:41,521 --> 00:13:43,202
join, and let's rewrite your
422
00:13:43,202 --> 00:13:45,043
money story together. We're
423
00:13:45,043 --> 00:13:46,723
here for you, cheering you on
424
00:13:46,964 --> 00:13:48,444
every step of the way. Until
425
00:13:48,444 --> 00:13:49,685
next time, keep showing up
426
00:13:49,685 --> 00:13:51,045
for yourself, rewriting your
427
00:13:51,045 --> 00:13:52,326
narrative, and creating the
428
00:13:52,326 --> 00:13:53,847
financial legacy you deserve.
429
00:13:54,007 --> 00:13:55,607
Let's keep this journey going together.
