Rise Credit Solutions

03/23/2024

Alright, which one of my clients did this? If I have you signed up for MyFICO alerts is because we’re 🤏this close to qualifying you for a mortgage loan 🤦🏻‍♂️

I keep tabs on yous 🫵…

03/22/2024

🎉 Big welcome to Esther Frias, the newest member of our Rise Credit Solutions team! As a dedicated veteran (8 yeats Army National Guard), Esther brings exceptional commitment to helping our clients on their credit improvement journey.

Let’s give her a warm welcome! 👏

03/20/2024

🚨 New video alert! 🎥 Ever wonder how using Affirm affects your credit score? I’ve got the scoop! 👀

Check out my latest video where I break down the risks of “buy now, pay later.” It’s a must-watch if you value your credit health. 📉🛒

Quick, informative, and could save you from a credit score slip-up! 🌟 Click to watch and stay financially savvy! 💡

03/17/2024

🚨⚠️ Beware of Credit Repair Companies Using CPNs! 💳🚫 CPNs are risky and can lead to legal trouble.

There’s no quick fix to credit repair.

Stay informed and avoid these scams!

(More info in the comments)

🛑👀

03/14/2024

Good morning 🌟 — Struggling with a late payment on your credit report that’s not your fault? Don’t worry, I’ve got you covered!

⚡ Step 1: Contact the Creditor! Inform them of the error and request a correction. It’s often a simple misunderstanding or a system error.

📝 Step 2: Send a Dispute Letter! If the creditor doesn’t resolve it, draft a dispute letter to the credit reporting agencies. Remember, precision and clarity are your best friends here.

🕒 Step 3: Be Patient! These agencies typically respond within 30 days,

Don’t let an error weigh down your credit score. Here are 2 letters you can use to address the creditor and credit bureaus.

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(Letter to Creditor)

Subject: Dispute of Reported Late Payment

Dear [Furnisher's Name],

I am writing to formally dispute the late payment reported on [date] for my account [account number]. This report is inaccurate because [briefly state your reason - for example, "the payment was made on time but was not processed promptly due to a banking error" or "there was a misunderstanding regarding the payment due date"].

As per the Fair Credit Reporting Act and 15 U.S.C. 1666b, I request a thorough investigation into this matter. Please review your records and, if you find that this late payment report is indeed erroneous, I kindly request that it be removed from my credit report.

Please send me written confirmation of the investigation results and any corrections made to my credit report. Your prompt attention to this matter is greatly appreciated.

Sincerely,

[Your Name]

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(Letter to Credit Bureau)

Subject: Dispute of Inaccurate Credit Report Information

Dear [Credit Reporting Agency],

I am writing to dispute a piece of information appearing on my credit report. Under the Fair Credit Reporting Act, I request an investigation into a reported late payment that I believe is inaccurate.

Account: [Your Account Number]
Creditor: [Creditor’s Name]
Reported Item: Late Payment on [Date]

I believe this late payment report is inaccurate because [briefly explain your reason - for example, “the payment was made on time but not correctly processed by the creditor” or “there was an error in the creditor’s reporting system”].

I have already contacted the creditor in question and requested them to rectify this error. [Optional: Attach a copy of any correspondence with the creditor.]

Please investigate this matter and ensure that any inaccurate information is corrected or removed from my credit report. Enclosed are copies of [any supporting documents, such as payment records, bank statements, etc.] that substantiate my claim.

I appreciate your prompt attention to this issue. Please send me written confirmation of the investigation results and any actions taken to correct my credit report.

Thank you for your assistance in this matter.

Sincerely,

[Your Name]
[Your Address]
[Last four of Social or ITIN]

Enclosures: [List any documents you are enclosing]

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Remember to customize the reason based on your specific situation and always keep a copy of your dispute letter for your records. Send the letter via certified mail to have proof of delivery.

03/13/2024

02/29/2024

You still have a fighting chance.

01/31/2024

Let’s goooooooo! Checkout that score increase 🙌.

01/31/2024

Here’s another testimonial, this person is not a client, but they have been following my page and implementing my recommendations.

“Started from the bottom now we here”

Tururu!😜

01/31/2024

No magic here, wee simply leveraging consumer rights and educating clients on how to work their credit.

Love these type of messages though 😍

01/30/2024

🌞Buenos dias, what a way to start the day, just leaned that my first time homebuyer client is now credit ready to qualify for $0 downpayment for the purchase and of his 🏠home.

2024 is this family’s year!

01/30/2024

Not all of my clients want to improve credit to qualify for the purchase of their first home, some of them want to buy the Harley of their dreams 🙌

Congratulations my friend!!!