Mr. Charles King

15/02/2025

The “Collection Agency Shuffle” How to Get Collections Removed Without Paying a Dime

Aight, listen up… you do NOT have to pay collections to get them off your report. Matter of fact, paying them the wrong way can actually drop your score. So instead of giving these collection agencies your hard-earned money, make them work for it and watch them fold.

Step 1: The “Ownership Challenge” (Make Them Prove They Own It)

Most people don’t realize collection agencies don’t actually own most of the debts they collect on, they’re just middlemen trying to finesse you.
• Send a certified debt validation letter demanding:
• Proof they legally own the debt (not just that they’re collecting it).
• The original signed agreement you had with the original creditor.
• A full breakdown of every charge and payment ever made.

If they can’t provide all that within 30 days, they must remove the collection.

Step 2: Hit the Credit Reporting Agencies With a Dispute (At the Right Time)

• If the collection agency fails to validate, you now have leverage.
• File a dispute with Equifax, TransUnion, and Experian saying:
• “This account is reporting inaccurate information. The debt collector failed to validate this account per federal law. Please remove it immediately.”

Credit reporting agencies must investigate within 30 days. If the collection agency already flopped on validating, the credit reporting agencies will most likely delete it.

Step 3: The Collection Shuffle (If They Sell the Debt Again)

• If the agency sells your debt to another company, that means they lost their ability to collect it.
• As soon as a new company pops up trying to collect, dispute it again—by law, they have to go through the same process from scratch.
• Collection agencies flip these debts so much, paperwork gets lost—keep disputing and let them cancel each other out.

Why This Works:

• Collection agencies rarely have the original contract—they just hope you don’t ask for it.
• If they fail to verify even once, the debt must be deleted.
• If they sell the debt, you can dispute it again and again until they give up.

Before You Do This…

You need your real credit report—not just Credit Karma’s half-story. Some collections only show up on certain credit reporting agencies, so if you’re not checking all three, you’re playing yourself.

I got the link in my profile for that—check your full report before making your next move. Don’t let these collectors finesse you—flip the script on them!

14/02/2025

The “Debt Validation Trap” – How to Make Collection Agencies Back Off

If a debt collector is blowing up your phone, DO NOT admit the debt is yours. Instead, hit them with a debt validation request—this forces them to prove they have the legal right to collect from you.

Here’s how you shut them down:

1. Send a certified letter (not an email, not a phone call) to the collection agency demanding proof under the FDCPA (Fair Debt Collection Practices Act). Your letter should say:

• “Under 15 U.S. Code § 1692g, I am requesting full validation of this debt, including a copy of the original contract with my signature and proof you have the legal right to collect it.”

2. Why does this work?

• Most collection agencies bought your debt for pennies on the dollar and don’t have the original paperwork.
• If they can’t prove the debt is valid, they legally have to remove it from your credit report.
• If they take longer than 30 days to respond, they have to delete it.

3. If they send you some half-baked paperwork, hit them with this:

• “This does not meet the full validation required under federal law. I demand removal from all credit bureaus.”
• If they refuse, file a complaint with the CFPB (Consumer Financial Protection Bureau) and the FTC.

Most people don’t know this because collection agencies rely on fear tactics. But once you hit them with legal jargon, half of them will fold.

Before You Do This…

You need to know EXACTLY what’s on your credit report. Don’t rely on Credit Karma’s weak reports—that’s like looking at a fake scoreboard. Get your real reports from all three bureaus.

I got the plug for that—hit the link in my profile and check your real credit before you make a move.

13/02/2025

Aight, before you even run this play, you gotta know what’s really on your credit report.

Credit Karma ain’t it. That’s like checking your reflection in a funhouse mirror—it only shows two reporting agencies (TransUnion & Equifax).

If you’re serious about fixing your credit, you need all three reports (Experian, Equifax, and TransUnion).

I got you covered—hit the link in my profile to get the real deal. Once you see what’s really on your report, you can start making power moves and stop letting these credit reporting agencies play with your name.

Aight, let me hit you with another real-deal credit repair hack that credit “gurus” keep behind a paywall.

The “Reassignment Method” for Collections

This trick works on collections, especially newer ones (under two years old). If you got collections sitting on your credit, DO NOT just pay them outright—that’s a rookie mistake. Instead, make the collection agency do the dirty work for you.

Here’s how you finesse it:

1. Find out who owns the collection.

• If the original creditor sold the debt to a collection agency, the original creditor should report a $0 balance.
• If they didn’t sell it, they still own it, and the collector is just trying to get paid on their behalf.

2. Call the original creditor and ask if they still own the debt.

• If they say yes, tell them you’d rather pay them directly and ask if they can “recall the debt” from the collection agency.
• If they agree, the collection agency has to delete their entry from your credit report because they no longer have the right to report it.

3. If they already sold it, use this play:

• Call the collection agency and DO NOT admit the debt is yours. Just say:
• “I noticed this collection on my report, and I’m confused. Can you verify the original contract with my signature?”
• 90% of the time, they don’t have it—because debts get passed around like a game of hot potato. If they can’t verify it, they have to delete it.

4. If they do have it and won’t remove it, let it get reassigned.

• Collections change hands all the time. If the agency sells it to another company, the new agency has to re-report it—giving you a fresh opportunity to dispute it as inaccurate.

Why This Works:

• Credit agencies can’t report a collection that’s been recalled by the original creditor.
• Many collection agencies lack proper paperwork, so if you challenge them, they often fold.
• If the debt gets reassigned, the old collection must be deleted, and the new one might take months to show up—giving you time to hit it again with disputes.

Bonus:

If all else fails, negotiate a “pay-for-delete”—but only in writing (never over the phone). Get them to agree in writing to remove the account before you pay a dime. If they won’t agree, don’t pay them—dispute instead.

This move alone can erase collections off your credit report and boost your score fast. Don’t let these credit agencies finesse you, flip the script on ‘em.

23/11/2024

Nothing changes, until something changes.

14/01/2024

07/01/2024

31/07/2023

Now y’all play too much!

16/04/2023

21/03/2023

In God we trust. All others must bring data!

12/03/2023

Everything doesn’t have to be done to perfection! Just get it done. 🤷🏾‍♂️