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Owned by LaShanta

The Credit Lounge

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#1 launchpad to financial freedom! Build rock-solid business & personal credit, secure funding, and take off to your financial goals.

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129 contributions to The Credit Lounge
How to Remove Outdated Personal Info from Credit Report
Use the personal credit dispute attachment. Make sure your secondary credit bureaus are frozen FIRST. Remove all old addresses, employers, phone numbers, names, etc. Only 1 needed for each. Two ways to delete:📝 1.Simply call the credit bureau and tell the representative you need to update your personal information on your profile. Here are the phone numbers of the main credit bureaus: 1. Equifax: 1-888-EQUIFAX (1-888-378-4329) 2. Experian: 1-888-EXPERIAN (1-888-397-3742) 3. TransUnion: 1-800-916-8800. Here is a gem to know when removing old addresses to dispute negative items on your credit report: 💎 You can also call and get old addresses deleted, but if an address is connected to an account they may try to give you some static. The keywords to use when removing old addresses are saying "the addresses are undeliverable" nothing more, nothing less. Do not overcomplicate it. If one agent won't do it, hang up and call until you get the agent who will. Don't give up so easily because it can be done. I have personally called and got names, old address, and employers removed from my credit report without any issues or sending any letter. You should only have 1 name and 1 address on your report. Regardless of calling the credit bureaus to remove outdated information, still add the freeze to your secondary bureaus to increase your chances of removing the debt. 2.Upload Online via Credit Bureaus website: 💻 Personal Info Dispute letter-choose a personal credit dispute letter of choice below. Make sure to delete or archive the report you don't want and not include it within your letter. DL-front and back SSN Utility Bill-updated address state in description: I have never lived at this address
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New comment 4d ago
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@Joy Abah
Q&A Session Tonight at 7:30pm cst !
Does anyone have any questions or anything they need to discuss ? @Robert Lawrence thank you joining us ! I wanted to ensure you understand how to navigate within the group so please let me know if you need help or join the call tonight
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New comment 6d ago
0 likes • 6d
@Robert Lawrence you’re welcome !
Secondary Credit Bureaus Intel
- LexisNexis: Gathers public record information, employment verification, and tenant screening reports. - SageStream: Specializes in residential property and tenant screening reports. - CoreLogic: Offers property data and risk assessment services for the real estate industry. - NCTUE: Provides information on past phone, cable, and utility bills. - ChexSystems: Creates reports on consumer banking history, including check writing issues or account closures. - Innovis is often considered the fourth credit bureau behind Experian, Equifax, and TransUnion. Innovis mostly verifies consumer information and doesn't sell credit reports for lending decisions
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TU Sweepppp🧹!!! 🔥🔥🔥
Praise Dance for my client… 💃🏾 I started working on my clients report on 10/21, as of 10/28 her score went up 128 points😮‍💨! In 7 days, she went from 602 to 729. All negative accounts removed. There’s no need to have bad credit. ANYTHING can be removed from your credit reports. let’s gooo 🔥🔥🔥🔥!!!
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TU Sweepppp🧹!!! 🔥🔥🔥
‼️👏🏽THIS WILL NOT BE A NORMAL WEEK!!!🔥 👇🏾
YOU HAVE TO: 1. Embrace difficult tasks. 2. Get up earlier than you want to get up 3. You have to fight when you are already injured, bloody, and sore. 4. You have to look like a fool while you’re looking for answers you don’t have. 5. Produce results, even when excuses are easy to make. 6. Try, and fail , and try again. 7. You have to keep moving towards where you want to be no matter what’s in front of you. 8. The simple truth about how ordinary people accomplish outrageous feats of success is that they do the hard things that smarter, wealthier, more qualified people don’t have the courage — or desperation — to do. DO. THE. HARD. THING! - You might be surprised at how amazing you really are.🙌🏾🔥✅ #HappyMonday! xoxo, Coach Lashanta
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LaShanta Witherspoon
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33points to level up
@lashanta-witherspoon-9641
I am Lashanta, owner of EPA Financial. I specialize in teaching & consulting entrepreneurs on financial literacy through biz credit and biz funding.

Active 12h ago
Joined Apr 13, 2024
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