Mzzlisa Tax and Credit Services

07/29/2025

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07/18/2025

06/30/2025

Bankruptcy letter💪🏾

[Your Full Name]
[Your Mailing Address]
[Your Date of Birth]
SSN: ###-XX-[Last 4 Digits]

[Credit Bureau Name]
[Credit Bureau Address]

[Date]

RE: DEMAND FOR IMMEDIATE REMOVAL OF BANKRUPTCY REPORTING – VIOLATION OF FCRA

To Whom It May Concern,

This letter serves as a formal demand for the immediate deletion of the bankruptcy entry currently listed on my credit report. This entry is inaccurate, unverifiable, and violates the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. § 1681i(a), which requires consumer reporting agencies to verify disputed information or delete it.

As upheld in Henson v. CSC Credit Services, 29 F.3d 280 (7th Cir. 1994), and Koropoulos v. Credit Bureau, Inc., 734 F.2d 37 (D.C. Cir. 1984), the burden of proof lies with the credit bureau to ensure information reported is accurate and verifiable. Simply relying on third-party public records vendors like PACER does not meet the FCRA’s standard of reasonable investigation, particularly when the court itself does not report to the credit bureaus.

I demand that you immediately:
1. Reinvestigate the bankruptcy entry listed;
2. Provide documented proof of how this bankruptcy was verified; and
3. Permanently delete the bankruptcy from my credit report if verification cannot be produced directly from the source.

If you cannot fully verify the accuracy of this information, you are required by law to delete it. Continuing to report unverifiable information is a direct violation of federal law and will leave me no choice but to escalate this matter through a formal complaint to the Consumer Financial Protection Bureau (CFPB), State Attorney General’s Office, and pursue all legal remedies available to me under federal and state consumer protection statutes.

The bankruptcy and related accounts in dispute are as follows:

[List Bankruptcy Case Number, Filing Date, Court, and Any Related Accounts]

I expect confirmation of the investigation and resolution within 30 days, as required by law.

Govern yourselves accordingly.

Sincerely,
[Your Full Name]

06/29/2025

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06/29/2025

Disputing on your own & need to know what to do if an item keeps coming back “verified” after MULTIPLE disputes?

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06/26/2025

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[Your Name]
[Your Address]
[City, State ZIP Code]
[Email Address]
[Date]

To:
[Equifax / Experian / TransUnion – Choose or send to all three]
[Dispute Department Address – insert correct bureau address]

RE: Formal Dispute of Inaccurate Information Under FCRA
Accounts in Question: [List Account Names & Numbers]

To Whom It May Concern,

I am formally disputing the accuracy and completeness of the following entries on my credit report as provided by your bureau under my name and Social Security number.

The following accounts contain inaccurate and unverifiable information:
• [Account Name, Last 4 Digits] – Late Payments (MM/YY to MM/YY)
• [Collection Agency Name / Account] – Placed in collections without proper validation

According to the Fair Credit Reporting Act (FCRA), you are legally required to ensure all information you report is accurate, complete, and verifiable. Under FCRA § 611 [15 U.S.C. § 1681i], I am invoking my right to dispute these items and request an immediate investigation.

LEGAL VIOLATIONS AND GROUNDS FOR REMOVAL:
1. Failure to maintain maximum accuracy – FCRA § 607(b) [15 U.S.C. § 1681e(b)]
You are required to have reasonable procedures in place to ensure maximum accuracy. Reporting unverifiable or outdated negative data is a direct violation of this.
2. Failure to validate debt – FDCPA § 809 (15 U.S. Code § 1692g)
The collections reported were never properly validated by the debt collector in writing upon my request. Continuing to report them without validation is a violation of my rights under the Fair Debt Collection Practices Act.
3. Obsolete information reporting – FCRA § 605(a)
If any of these negative accounts are over 7 years old from the date of first delinquency, they must be removed immediately as they are now obsolete.
4. Reinsertion of previously deleted or disputed data – FCRA § 611(a)(5)(B)
If any of these accounts were previously removed and reinserted without notifying me within five business days, this is a direct breach of federal law.

⸻

DEMAND FOR ACTION:

I demand that these inaccurate, unverified, and potentially obsolete accounts be immediately removed from my credit report across all bureaus. This includes all late payments and collection entries listed above.

Failure to correct and delete these accounts within the legal timeframe (30 days from receipt of this dispute) will result in the following actions:
• A formal complaint filed with the Consumer Financial Protection Bureau (CFPB)
• Notification to the State Attorney General’s Office
• Preparation for a civil lawsuit for willful noncompliance under FCRA § 616 and negligent noncompliance under FCRA § 617, where I may seek damages and legal fees

This letter also serves as evidence should this matter escalate.

In accordance with the E-Oscar dispute system, you are obligated to investigate this dispute and report back with full documentation of your findings. If you cannot fully verify with original signed contracts, accurate records, and direct validation, then by law, the account(s) must be deleted immediately.

Please mail your results and a copy of my updated credit report to the address listed above.

Sincerely,
[Your Full Name]
SSN: ###-XX-###X (last 4 only)
Date of Birth: [MM/DD/YYYY]

06/26/2025

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• Aim for a credit score of 700+ (preferably 750+ for premium cards).
• Pay your bills on time, as payment history is the most significant factor in your credit score.
• Keep your credit utilization below 30% (preferably under 10%).

2. Increase Your Income & Reduce Debt
• Lenders consider your income-to-debt ratio before granting high limits.
• Pay down existing debts, especially high-interest credit cards.
• If possible, increase your income through side jobs, investments, or salary raises.

3. Choose the Right Credit Card
• Apply for cards known for high limits, such as premium travel rewards cards (e.g., Amex Platinum, Chase Sapphire Reserve).
• Look for issuers that offer credit limit increases over time.

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• Apply when your credit score and income are at their peak.
• Avoid applying for multiple credit cards at once, as too many inquiries can lower your score.
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5. Request a Credit Limit Increase
• If you already have a card, request a credit limit increase after 6–12 months of on-time payments.
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7. Consider a Secured Card Strategy
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06/24/2025

Equifax Score Not Showing Up? Here’s What to Do‼️

If your Equifax score is missing, don’t panic it’s usually because of a mismatch in your name, date of birth, or Social Security number. This can block lenders from accessing your report, even if your TransUnion and Experian scores are visible.

Here’s how to FIX it:

Step 1:
Call 1-888-378-4329
Press Option 5 or 0 to speak with a live rep.

Step 2:
Say something like this:
“I’m in the process of purchasing a home, and my lender is unable to retrieve my Equifax score. I believe there may be an error or mismatch in my personal information. I’d like to resolve this as soon as possible and submit any necessary documents securely. Can you please direct me to the appropriate upload portal?”

Be persistent!
If you’re told that documents must be mailed, politely ask if there’s a secure online option to upload instead. If needed, end the call respectfully and try again with another representative the RIGHT one will get it done.

Tip:
Credit bureaus don’t always make it easy, stand firm and advocate for yourself until it’s resolved!

Save this post & share with anyone dealing with credit report issues 🤞🏾

06/20/2025

Here’s a dispute letter you can use to request the removal of negative items from your credit reports with Equifax, Experian, and TransUnion.

You'll want to “customize the letter” based on the exact negative items you're disputing (like late payments, collections, charge-offs, etc.).

Your Full Name
Your Current Address
DOB
SSN
DATE

Request for Investigation and Removal of Inaccurate/Negative Accounts from Credit Report

To Whom It May Concern,

I am writing to formally dispute certain inaccurate and/or negative items reported on my credit file. Under the Fair Credit Reporting Act (FCRA), I have the right to dispute any information I believe to be inaccurate, outdated, incomplete, or unverifiable.

The following accounts are negatively impacting my credit profile, and I am requesting that a full investigation be conducted and that these accounts be removed if they cannot be fully verified or are reported inaccurately:

Creditor Name – Account #
Reason for Dispute: “Account does not belong to me” or “Late payment inaccurately reported” or “Account is past reporting time limit”

More reasons listed in comments

(Continue list if necessary.)

I have attached a copy of my government-issued ID and a recent utility bill/bank statement for address verification purposes. I am also including a copy of my credit report with the accounts in question highlighted for easy reference.

Please investigate these matters and, as required by law, complete your investigation within 30 days. If the accounts cannot be verified or are confirmed to be inaccurately reported, please remove them from my credit file and send me an updated credit report.

I appreciate your time and assistance in this matter and expect a written response regarding the outcome of your investigation.

Sincerely,
Your Printed Name
DO NOT SIGN‼️

📎 Attachment:

💫 Copy of your ID
💫 Proof of address
💫 Highlighted copy of credit report with disputed accounts

06/18/2025

Everyone who follow
This page should have good credit!!

06/18/2025

LATE PAYMENTS REMOVAL LETTER