If you have charge-offs destroying your credit score and nothing you try is working, this video will change how you look at credit repair forever. Most people are disputing charge-offs completely wrong — and that’s why they never get deleted. In this video, I break down the REAL strategy for how charge-offs actually get removed, why disputing the balance first does nothing, why the CFPB won’t save you, and the only order of operations that actually creates leverage with the credit bureaus and creditors. You’ll learn: - What a charge-off really means on your credit report - Why disputing the balance is a waste of time - The truth about CFPB complaints and why they don’t force deletions - How the 1099 charge-off process works - When you should actually dispute a charge-off - How to build a paper trail that forces action - Why most credit repair advice on YouTube and TikTok fails - The only sequence that gives you real leverage
If you’re trying to fix your credit, raise your credit score, remove collections, or delete negative items from your credit report, this is one of the most important videos you’ll ever watch.
⚠️ This video is for educational purposes only and does not constitute legal or tax advice.
👇 Comment “DELETE IT” if you’re ready to start fixing your credit the right way.
🕒 ⏱️ VIDEO CHAPTERS 00:00 You’re Disputing Charge-Offs Wrong 01:02 Why Your Disputes Never Work 03:10 The Biggest Lie On YouTube 05:08 What A Charge-Off Really Means 07:12 Why The 1099 Matters 09:18 Why You Don’t Start With The Credit Bureaus 11:40 What Happens After The Debt Is Canceled 13:55 When You Should Actually Dispute 16:20 How To Build A Real Paper Trail 18:35 Why Disputing The Balance First Fails 20:10 The Only Order That Works 22:05 Final Strategy Recap
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