Use this if your trying to get a late payment removed on a OPEN accounts. Attached is also an already formatted letter. This can be use on any credit bureau! Date Creditor Name Address City, State and Zip Re: Account # (Late Payment) Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date(s): (enter late payment date _/_/_ (enter late payment date _/_/_ (enter late payment date _/_/) It is my understanding that per 15 USC 1681(a)(2)(A)(i), my consumer report should not contain information solely as to transactions or experiences between the consumer (me) and the person (you) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures (according to 15 USC 1666(b)) that you have adopted to ensure that each periodic statement is mailed to me (the consumer) not later than 21 days before the payment due date. Include also, all the information required by Section 1637(b) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you cannot verify the late payments on the dates specified above (lacking reasonable procedures to ensure the accuracy of my account) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies’ (Equifax, Experian & Transunion or all that apply) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

IT HAS NOT WORKED ON CLOSED ACCOUNTS WITH LATE PAYMENTS‼️ **Consumer:** Hello, I’m calling to dispute an item on my consumer report that, by law, should not be reported. Your institution is currently reporting this item, and I would like to address it. **Representative:** Which account are you referring to? **Consumer:** On [X Date], your company reported a transaction as late to [Experian, TransUnion, Equifax – choose the appropriate credit reporting agency]. I’d like to bring this to your attention. Under **15 USC 1681a**, the law states: **(2) Exclusions:** Except as provided in paragraph (3), the term "consumer report" does not include: (i) Reports containing information solely as to transactions or experiences between the consumer and the person making the report. This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. **Representative:** By law, we are required to report your late payment! **Consumer:** Can you cite the specific law that requires you to report a transaction as a late payment? The only potential law that addresses late payments is **15 U.S. Code § 1666b - Timing of Payments**. **(a) Time to Make Payments:** A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by **Section 1637(b)** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. **Consumer:** Please provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637(b). **Representative:** [May become flustered or may not have the required information.] **Consumer:** If you're unable to provide that information, I would like to escalate this to a supervisor. Also, please be aware that this call is being recorded, and the information provided may be used in any legal action for violations of consumer protection laws, specifically:

Originally submitted on 07/24 to TU using initial sweep with POL letter, and it was denied and closed. Ok boom, Submitted 08/16 using second method and I called because CFBP hadn’t updated on any results and the rep told me my items were removed on 08/23( date in left hand corner) and I should be getting a letter soon confirming the deletions! That call was on 08/21, two days prior to me receiving the letter ! 💪🏽 The method work!

Coach K https://www.instagram.com/itsscoachk/ Stormi Banks https://www.instagram.com/stormibanks_ If you have any other grants writers that are certified, please list them below!

Here are a 5 websites for grants to search monthly or year round 1. HelloSkip.com 2. Grantwatch.com 3. Grants.gov 4. Your local state SBA or sba.gov 5. novaegrants.com Your city, state, county, etc. also offer grants even banks such Truist Bank, Bank of America, Wells Fargo, most of all national banks do offer grants even some regional banks! Simply type in the bank of choice then grants. For example, type in Truist Bank grants. https://www.truist.com/purpose/truist-foundation/grant-application . The information will populate if the bank offers grants. Check it out and I hope this helps! 🔥🔥