Step 1: Begin by downloading the Credit Karma application.
Step 2: Navigate to the 'Accounts' tab. Here, identify any negative items and select 'Dispute Items'.
Step 3: In the Dispute Center, it is crucial to avoid selecting any options under 'Ownership'. For the reason for the dispute, choose “This account is involved in litigation.”
Step 4: In the comments section, please include the following statement: “I have not supplied proof under the doctrine of estoppel by silence, as per Engelhardt v Gravens (Mo) 281 SW 715 719. I may presume that no proof of the alleged debt exists, and therefore, no such debt factually exists.”
Important Note: If the item is not immediately deleted, attempt the process again as system glitches can occur
SHARE YOUR RESULTS AFTERWARDS IF YOU GET COLLECTIONS REMOVED!!