How to dispute collections on a credit report

How are you doing? My friend pretty damn good today headed
into the office. Got to take some time spent about an hour today at the
gym, which was really nice finally starting to feel better. So that’s that is great. Thanks for all of your guys’s prayers. It’s starting to pay off. Hey, I know I started a little bit late I had
phone call and I thought it was Wells Fargo. I’d applied for a loan recently,
but it wasn’t them. It was a solicitor that never picked up. So I apologize to start at a minute late. Anyway, I want to go over how to
properly dispute a collection. Sorry. I had a little piece of bacon. Stuck in my teeth. This is not edited. It’s live. It’s raw. Love it or like it leave it whatever. All right. So how do you properly dispute a collection
on your credit report? There’s lots of different tactics lots of
different ways that you can do this. There’s a million different ways to do it, but there’s
a proper way to do it that makes you that will make you more successful. All right. So depending on what type of collection the most
common collection that we see is a medical Collections and medical collections are really
fairly easy to get off of your credit report, especially now if they’re new new medical collections
because as long as you pay or as long as your insurance company pays. Then uh, they legally they have
to remove the collection. So it’s pretty easy to get a medical
collection off, you know. As you know, I was hospitalized in February with sepsis
pneumonia and a blood clot in my right lung and I spent some time on my back
about six weeks total. But um just yesterday, I got a collection letter
saying they’re going to send me to collections because you know, I haven’t
paid the bill. Well, they haven’t billed my insurance company and
I’ve gone to the hospital twice now with my insurance card in the last time I went they just
said, hey, we don’t bill insurance companies. We don’t know they said we don’t bill your insurance
company because uh in the past we’ve billed them and they never paid us
which is ridiculous. Right? So I called my insurance company. They’re like send me the bill. So I sent the bill to my insurance company and
yesterday I get this collection letter. So I called the collection company and they’re
like, yeah, you never paid us. I’m like, well the hospital never billed
my insurance I sent the bill. So I called my insurance company
to find out what’s going on. They’re like, the bill doesn’t
have the diagnostic codes. They don’t have the service codes. They don’t have the EIN number and
they didn’t have a fax number. So there’s four things that insurance
companies require on a super bill. To pay the bill. Well, the hospital didn’t do it. So the insurance company’s like
we’re not going to pay you. This is pretty common. This is a pretty common problem. If you have some of these medical collections on your
credit report and it’s prior to 2018 then they don’t necessarily have to delete
them when you pay it. So it makes a little bit more tricky. But here’s what you want
to do when you dispute. And with FDCPA, the Fair Debt Collection Practices
Act, you only have one year now that is it’s been upheld by two to Circuit Courts the last Circuit
Court just denied it ruled with the collection company and now it’s going to the Supreme Court the
United States Supreme Court on whether or not it’s one year from when they assign the account to collections
or one year from when you first discover. The account and two of the Circuit Court
said it’s when you discover it. The third Court Circuit Court said it’s when you uh,
when they actually put it on your credit report. So you go a year. You don’t check your credit. Sorry can’t do anything. You can’t sue them now even if what they’re doing
violates the Fair Debt Collection Practices Act. It’s illegal because you didn’t
dispute it immediately. You waived your rights. Now how jacked up is that? But that is the way it is. So, how do you dispute
a medical collection? Well, the first thing you got to do is
you really want to look at the dates. You want to look at the open date. And the service date they usually won’t have a service
date on a medical collection on a credit report, but they’re supposed to put
the open date as the service date. So if you went to the hospital on February 1st, and
they assigned it to a collection company May. Generally, the collection company will put the open
date as May first that my friend violates the Fair Credit Reporting Act and protect nicly could
violate the fair debt collection practices act once you dispute it. Now. Why does it violate it? Well, they just added three months to the statue
of limitations on their reporting. That’s why it’s a violation. That’s why it’s a big deal. Let’s say. That you don’t pay that collection and the hospital
year from now assigns that to another collection company one that’s more successful at collecting
because maybe they use more harassment and more threatening voicemails. And so they’re more successful. So the insurance company or the hospital goes with
the new collection company, and now they say that it was open in July 2018 fast forward
a little bit because I started with. I start with February 2017. That’s when I was in the hospital. But now they say 2019; that’s
another violation. All right, because they just re-aged it another year
and that’s not fair to you and I see the statue of limitations is seven years since. First delinquency or in
a hospital or doctor. It’s when you actually
went to the doctor. So if you went in February the open date needs
to say February, is that make sense. So that’s one of the first things that I’ve dispute now,
you could get really Advanced and you could go into HIPAA stop and verification
and validation and. And so on and so forth. We generally don’t do that. And there’s a reason that we don’t
do that we used to do it. All right, so I know all the tricks with sending certified
mail with no letter inside the envelope. Yeah, they’re companies that do that. Yes. I used to do that myself when
I was at an amateur. All right. Yes. I used to do HIPAA violations when I really
didn’t know what I was doing. Yes, I did debt validation when I really
didn’t know what I was doing. But now what I do is I simply
dispute the open date. That’s all I’m disputing. I’m not disputing. I never went to the doctor. I’m not disputing. I don’t owe them money. I simply dispute the date that they say it was opened
and the date they’ll also put the date of verification or when they last validated it
or they’ll put the date of last payment. If it’s a collection because of a medical bill
most likely you never made a payment. So there is no last payment. It’s right. It’s the day you went to the doctor. So what we do at Fortress is we
will dispute the open date. Now we’re going to meet with you as a client
and say when did you go to the doctor? I don’t remember it was sometimes
four years ago. Well it says last year. Oh, yeah, I went to the doctor last year to all right,
so we got like like Sherlock Holmes it through and and really ask them questions. So it reminds them of when they went to the doctor
or the hospital then we say, do you have any documentation? Yeah, I have my discharge paperwork. Yeah, I got my bill. So then we compare that to the open date and if it’s not
the same date, that’s what we dispute we used to just try to get the collection
deleted and that’s fine. If that’s all you want to do is get the collection
deleted, dispute using HIPAA, dispute using validation, dispute using verification and all the
other Advanced tactics that you’ve probably seen me on stage talking
about seven years ago. We don’t do that anymore. We dispute the date it was opened and we wait for them
to come back and send a letter that says we verify the information to be correct. So we dispute. Dear, mr. Collection. I recently looked at my credit report and you’re saying
that I, I was sent to collection the date that that I went to the hospital was 3/2/2017 and
that doesn’t match up with my records. Could you please confirm this is correct. Maybe I’m Wrong after all
I did go to the doctor. Maybe I’m Wrong after all it
was I was hospitalized. Can you please verify and validate
the date of service? Sincerely Rondi Lambeth with my ID’s, driver’s license,
social security card, utility bill, phone number, address and signature and then we send that
to them certified mail signature required and then we wait. We wait about 45 minutes, haha
not 45 minutes, 45 days. In 45 days we should have received a response back from
that collection company and nine times out of 10, it will state we have verified this information
to be accurate and that’s what we’re looking for. We want them to say it was accurate. And then we bring Thor’s hammer down on them otherwise
known as an FDCPA or FCRA lawsuit because we asked for them to verify the information that the
way they are reporting it was accurate, knowing full well it was not accurate and they come
back and they verified it to be accurate. See when we write our letters
are very passive. We’re very passive. And we’re very uneducated. We write the letters up as if we were in fifth fourth
fifth grade, which most people have like a sixth grade education when you actually
do some research on it. They read at a sixth grade level. We simply dispute it as someone that doesn’t know what
they’re talking about someone in a position of weakness and we wait for the
wolves to take the bait. And nine times out of ten they
do and then we follow up. Our attorney writes a letter. We send that out certified mail. Sometimes we just immediately file a lawsuit because
when you do FDCPA and FCRA litigation you have to file a lawsuit, a lawsuit. You can’t send a letter saying you intend to sue them
if you’ve never sued if you never intend to sue them. It’s one of the fastest
ways to be disbarred. And so sometimes we just sue
them right off the bat. We don’t even give them a warning
shot over the bow. It’s simply a lawsuit. Now. What do you think happens with
that 9 times out of 10? They fall for the Trap the bait right? We’re not the ones breaking the law. We’re simply asking them to follow the law knowing for
the sake of profit and greed, they won’t follow the law. And nine times out of ten, they won’t so now yes, we could
have got it deleted in the first 30 days if we really wanted to. But I would rather get my clients three to four thousand
dollars in cash, right so they can take that money and maybe pay the doctor, take that money and pay
us for the rest of the credit repair, take that money so they can go to Community College or trade school
so they can improve their skills or increase their knowledge so they can get a better job or they
take that money and use it for seed money to start their own company. See I think it would be irresponsible
of me just to try to get it deleted. I think that would be irresponsible and selfish of me
just to get it deleted because if that’s all I was trying to do is make that 100 bucks because that’s what
we charge $100 to delete an item and knowing I can make 100 bucks fast cash, but it’s
gonna cost my client 10 grand. Would that be fair? Would that be the right thing
to do for the client? No. Now why don’t most credit repair
companies do it that way. Why do they charge the money up front? Why do they charge a monthly fee? Because they really don’t care about you or they
really don’t know what they’re doing or both. They don’t care about you and they
don’t know what they’re doing. That’s why they charge money up front. That’s why they charge money every
month regardless of results. I don’t work that way. I care about you, I care about your family and I want
to earn the money and I want to get you the best possible results that I can get. Now on that one out of 10 times many many times it does
come off, the collection company is like man, we better delete this because
we know we’re wrong. We don’t know the open date because
we bought it off a spreadsheet. Let’s go ahead and delete
it in that case. We bill our client 100 bucks. Everybody wins. The client’s happy, we get paid. We’re happy. The collection company, they move
on they don’t get sued. It’s a win-win-win but in case they don’t follow the
law, we are there waiting with our big hammer, our my big axe. I’m waiting for them to break the law and when they
do, we’re gonna make sure they pay for it and make them think twice about the next time they
try to break the law and abuse someone. All right. I hope you learned a lot today on how to
dispute a collection the right way. Now, you can do this on your own. You don’t need to hire someone like me. I just told you how to do it
dispute the open date. Make sure it’s inaccurate, send it certified mail,
signature required, send it out if they don’t delete it. Get in touch with me and maybe I can introduce you
to my attorney and maybe he’ll take your case on. Usually he will if you disputed
it the right way. You send it certified mail. They sign for it. You waited 45 days. Sometimes though, you’ll dispute it the wrong way
and we got to start over which is no big deal. It actually it actually. If it’s within the one-year anyway actually works in
our benefit that if you dispute it the wrong way because now when we go and send the second
letter, they just completely ignore it. Now they have to respond to
every letter you send. So they’ll ignore it the second time
which is good for us, right? It’s good for you. So if you need your credit fixed, if you got collections
or whatever, late payments, charge-offs, judgments, foreclosures, short sales, bankruptcies,
tax liens, whatever it is on your credit that is hurting you, harming you, holding you back from
achieving your dreams and moving to the next level, if you want a professional to work on, someone
who’s going to charge you after the fact, get in touch with me on my website, I did see a couple comments here
my good friend Joel Bauer. Thank you so much. I got this tie Joel was asking where
I got this beautiful pink tie. I got this in Bangkok Bangkok, Thailand. I believe. Or it was on that uh I can’t remember if it was this one. I got Bangkok or Anyway, thanks so much. Uh, what’s the number to the office? It’s one eight hundred four seven
five seven two six seven. That’s 1-800-475-7267. Jason put it in for me, please. 1-800-475-7267 or

11 comments on “How to dispute collections on a credit report”

  1. Lacey Langford says:


    What credit report would you recommend someone pulling for the most accurate report of negative marks/delinquencies etc…

  2. Lacey Langford says:

    Rondi, do I have to send them a copy of my social security card or can I just send them my SS # written down?

  3. SAMMY ADEMI says:

    I need your help how can I contact you?

  4. Jose Fuentes says:

    God, we need universal health care.

  5. COUNTRYBOY84380 says:

    Really enjoy your videos keep them coming.

  6. kevin cole says:

    Need to talk

  7. Royce Lilienstern says:

    Can you answer a question here related to the information you gave me this video


    So, we dispute medical collections with the service date? What about regular collections, date of last payment?

  9. Pac Man says:

    I might be late to this video but what happens if it comes back as updated instead of verified? I love your videos by the way! I wanna sign up can you get charged offs removed and how long will it take? Thanks

  10. Lakeysha Coles says:

    I love your ethics and only hope i can match up to you and the wuality of service.

  11. Lakeysha Coles says:

    So I ask you I only send one round disputing the accuracy date?

  12. Lakeysha Coles says:

    I asked my student loan servicer to fix the one late payment on my student loans. In goodwill and they said they wont change it because i must have missed a payment. My loans have been in deferment since 6 months after graduation in 2016/2017. Thrn there's 2 months before and after in which there's no data for my loans. So may june no data july missed payment August Sept missed data isnt this a form of inaccuracy? Non consistent reporting

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