Kevin Hodge

09/29/2026

HELP DISTRIBUTE THE ONTARIO FREE CREDIT DISPUTE LETTER
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DisputeCodes.com

08/01/2026

If I wanted to remove collections legally, here's one of the first things I'd ask for:

A copy of the notice of assignment.

Proof that it was delivered.

The assignment agreement proving debt ownership.

Comment or message "800" and I'll send you the exact script.

07/19/2026

07/02/2026

💬 How Collections, Delinquencies & Charge-Offs End Up on Your Credit Report

1️⃣ Account Activity Begins
A lender issues credit. Payments are made, missed, or delayed over time.

2️⃣ Delinquency Starts
Once payments fall behind, the account is marked late (30/60/90+ days).

3️⃣ Charge-Off / Collection Stage
If unresolved, the creditor may charge off the debt and/or send it to a collection agency.

4️⃣ Reporting to Consumer Files
At this stage, information may be reported to consumer reporting agencies as part of standard data furnishing processes.

5️⃣ Procedural Compliance Checkpoint
This is where questions can arise around whether proper authorization, consent, and reporting procedures were followed before or during access and reporting.

6️⃣ Dispute & Review Process
Consumers may challenge the accuracy, authorization, or procedural validity of how the information was reported.

You can use AI to help fix your credit, but you need the right prompts. Comment or DM “AI” to get access.

07/01/2026

Canada has codes that any citizen can use to fix their credit.

You can use AI to help fix your credit—but you need the right prompts.

Comment or DM "800" to get access.

06/29/2026

💬 𝐀𝐈 𝐜𝐨𝐮𝐥𝐝 𝐛𝐞 𝐮𝐬𝐞𝐝 𝐭𝐨 𝐫𝐞𝐩𝐚𝐢𝐫 𝐜𝐫𝐞𝐝𝐢𝐭, 𝐛𝐮𝐭 𝐭𝐡𝐞 𝐫𝐢𝐠𝐡𝐭 𝐩𝐫𝐨𝐦𝐩𝐭𝐬 𝐚𝐫𝐞 𝐧𝐞𝐞𝐝𝐞𝐝.

𝐊𝐄𝐘 𝐓𝐈𝐏𝐒:

1️⃣ Notice of intent to request or obtain a consumer report must be provided at the time of the application or consumer reports remain restricted.

2️⃣ The notice text should be bold or underlined and a font size no less than 10 points.

3️⃣ Notice must be served and delivered.

Comment or DM "𝐀𝐈" for access to the prompts.

06/09/2026

You can use AI to help remove information from your credit report, including delinquent accounts, charge-offs, collections, and late payments.

Comment “AI” to get the prompts.

06/09/2026

Most people don't know this.

When decisions need to be made, a Power of Attorney can be appointed as an authorized representative to manage personal, financial, and health information.

Request consumer reports, review records, file complaints, and challenge compliance before regulatory bodies.

Communicate with financial institutions and consumer reporting agencies regarding identity theft, inaccurate reporting, errors, unauthorized access, financial loss, or negative effects on credit records.

Not legal advice. Not legal opinions. Decisions.
A consumer report—often referred to as a credit report—is the statutory term.

Comment “POWER” or send a message to get access.

04/18/2026

Consumer Reports Are Restricted By Default !!!