Irving

GOODBYE, CREDIT REPAIR COMPANIES Claude does the whole thing for free. You just paste your credit report No $99 a month. No "6 to 12 month program." No template letters mailed at the speed of a dying snail Here's what the $99/month companies actually do: they dispute one item per month on purpose, because the slower you get fixed the longer you pay. A 90-day problem becomes a 14-month subscription. $1,400 for photocopies Here's the thing they don't want you to know. A debt collector who bought your debt for 3 cents on the dollar almost never has the paperwork. No signed contract, no payment history. Federal law says if they can't verify it in 30 days, it comes off. Not negotiated. Deleted Copy these 5 prompts Prompt 1, find what's actually hurting you: "Here is my credit report [paste]. List every negative item. For each one tell me the creditor, the type, the date, and rank them by how much they're dragging my score down" Prompt 2, the verification demand: "Write a dispute letter to [bureau] for [item]. Demand the method of verification under FCRA Section 611(a)(6)(B)(iii). Request the original signed agreement, complete payment ledger and chain of custody from the original creditor. Formal tone, one page, no admission the debt is mine" Prompt 3, go after the collector directly: "Write a debt validation letter to [collector] under FDCPA Section 809(b). Request proof they own the debt and are licensed to collect in [state]. State that all collection must stop until validated" Prompt 4, the follow-up when they ignore you: "It's been 30 days since [date] with no verification. Write a letter to [bureau] citing FCRA 611(a)(5)(A) demanding deletion of the unverified item and a corrected report within 5 business days" Prompt 5, the score push: "My cards: [limit and balance for each]. Which balances do I pay down, to what amount, and before which statement date to get utilization under 9% on every card and overall?" Send everything certified mail. Dispute all items at once, not one a month. Most people are 60-120 points higher in 90 days Now the part nobody tells you The reason I know these prompts is that I charge people $1,250 to run them. A VA does it for $4 an hour. The client gets the same result I just gave you for free, and every one sends me 2 or 3 more because nobody believes it actually worked So you have two options. Fix your own credit tonight for $0. Or realize the $99/month industry is a 20-year scam that just got automated, and go charge people to run five prompts Free live masterclass on turning this into a business, link in bio