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The Credit Lounge

Public • 9 • $39/m

8 contributions to The Credit Lounge
A Deletion is a Win ❤️
The 7 day TransUnion hack has been amazing i disputed a few collections and 2 hard inquiries on September 24 and by October 10 they all were deleted🙌🏽
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New comment 15d ago
$25K-$100K Business Funding Requirements with Banks!
If you meet the following requirements for either of these banks, you can qualify for up to $50K for a business credit card no statements required. US Bank, Chase and Bank of America Funding Requirements: • 700+ CREDIT SCORE or HIGHER (680 okay with US Bank for credit card) (US Bank-680 okay) • LEAST 1-2 CREDIT CARDS THAT have $2500 limits. • 7-8+ PRIMARY ACCOUNTS • NO COLLECTIONS PAST TWO YEARS • NO CHARGE OFFS PAST TWO YEARS • NO LATE PAYMENTS PAST TWO YEARS • NO BANKRUPTCY • UTILIZATION UNDER 20% (30-40% okay with US Bank for credit card) • 2-5 INQUIRIES OR LESS IN EACH BUEARU Additional information to know: US Bank- no bank account required to have business credit card but is good to have an established account. BOA-business bank account required Chase-bank account required but can be a personal account. You don't have to have a business account established already If you qualify and would like to connect, complete this jotform: https://form.jotform.com/240948861764167 If you don't bank with either, I highly recommend to open an account and start building a relationship so when you are credit positioned and ready for funding, you will already have a banking relationship and ready to apply!
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New comment 23d ago
0 likes • 23d
@LaShanta Witherspoon Thank you
Checking In! 🙌🏽How’s it going ?👀
Hey everyone, How’s things going? Are you getting familiar with the group ? Is there anything I can assist with ?
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New comment Oct 3
0 likes • Oct 2
Yes, I am getting familiar. Are we having a class today. I have a question regarding a letter I received from Equifax
Late Payment Removal via CFPB or via Original Creditor -Open Accounts ONLY!
Use this if your trying to get a late payment removed on a OPEN accounts. Attached is also an already formatted letter. This can be use on any credit bureau! Date Creditor Name Address City, State and Zip Re: Account # (Late Payment) Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date(s): (enter late payment date _/_/_ (enter late payment date _/_/_ (enter late payment date _/_/) It is my understanding that per 15 USC 1681(a)(2)(A)(i), my consumer report should not contain information solely as to transactions or experiences between the consumer (me) and the person (you) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures (according to 15 USC 1666(b)) that you have adopted to ensure that each periodic statement is mailed to me (the consumer) not later than 21 days before the payment due date. Include also, all the information required by Section 1637(b) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you cannot verify the late payments on the dates specified above (lacking reasonable procedures to ensure the accuracy of my account) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies’ (Equifax, Experian & Transunion or all that apply) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
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New comment Sep 20
0 likes • Sep 20
@LaShanta Witherspoon what if you have late payment on two different open accounts should two complaints be submitted via CFPB?
0 likes • Sep 20
@LaShanta Witherspoon Two different credit card accounts
🥳Transunion Sweep Worked! 💪🏽🔥💰
Originally submitted on 07/24 to TU using initial sweep with POL letter, and it was denied and closed. Ok boom, Submitted 08/16 using second method and I called because CFBP hadn’t updated on any results and the rep told me my items were removed on 08/23( date in left hand corner) and I should be getting a letter soon confirming the deletions! That call was on 08/21, two days prior to me receiving the letter ! 💪🏽 The method work!
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New comment Sep 19
🥳Transunion Sweep Worked! 💪🏽🔥💰
0 likes • Sep 19
On the part in the TU letter where its states dispute item and explanation what should the explanation be? and also can I list more than one collection item on this lettr?
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Jaleesa Fisher
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3points to level up
@jaleesa-fisher-8596
Logistics Manager at Far Stretch Logistics

Active 8d ago
Joined Sep 8, 2024
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