Disclaimers of the Catalyst Credit Coaching Course
Introduction
Understanding The Anatomy of Your Credit Report
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What is Credit? (2:55)
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Credit is the Wealth of the Poor; Why Credit Matters So Much (2:52)
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What Is a Credit Reporting Agency? (3:15)
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Data Mining, Marketing and Credit (2:15)
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Bad Credit is Profitable Data (2:37)
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The Credit Reports and its History (3:00)
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Obtaining Your Credit Report (3:12)
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Interpreting Your Credit Report (3:13)
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Common Credit Report Elements (3:50)
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What is Credit Repair? (3:44)
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Key Component to Credit Repair, PATIENCE and PERSISTENCE (4:47)
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Section summary
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Quiz
Consumer Reporting Companies
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The So Called "Snitchers" to the Credit Reporting Agencies (2:45)
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Who Can See Your Consumer Reports? (2:47)
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Step 1: Requesting Your Consumer Reports (3:36)
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Step 2. Reviewing Your Consumer Reports (3:16)
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Step 3. Disputing Your Consumer Reports (1:14)
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Blocking Third-Party Access to your Consumer Reporting Data
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List of Nationwide Consumer Reporting Companies (PDF)
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Section summary
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Quiz
Understanding the Credit Scores
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Understanding the Credit Scoring System (3:49)
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What are the Different Types of FICO Scoring Models? (2:35)
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Difference Between FICO Scores and Vantage Scores (4:01)
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The Truth About Credit Karma (4:21)
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Why Do My Credit Scores Differ So Much? (2:41)
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What To Do When Scores Drop. (3:27)
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Section summary
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Quiz
Intro to Credit Repair - Dispute Letters and the Dispute Process
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Oscar Who? (7:04)
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Reviewing a credit report for errors (4:48)
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It’s Your Right to Dispute an Error (2:45)
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The Process and Overview (4:18)
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Removing Old Personal Information (1st Step Before Disputing) (2:59)
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Disputing inaccuracies on a credit report (1:26)
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Be Patient and Wait... (4:02)
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12 FCRA Violations by Credit Bureaus (2:33)
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Credit Repair Methods (4:37)
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Obtain Accurate Credit Reports (2:20)
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Addresses to the Credit Reporting Agencies
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Before Sending Out First Round Dispute Letter, Do This, It's A Must! (2:59)
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Sending Your Dispute Letter (2:17)
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Creating Your First Dispute Letter (2:18)
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Creating Your Second Dispute Letter
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Results From the Credit Bureaus (3:00)
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What If The Accounts Come Back Verified?
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The Best Attack by Level of Priority (1:15)
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Multiple Disputes Per Item (1:39)
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Review Your Credit Report To Verify Accuracy Of All Information (1:10)
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Advanced Disputing - Factual Challenges (5:43)
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Letter Example for a Factual Dispute
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Credit Repair Dispute Flow (5:42)
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Direct Disputes To Creditor Letters (4:40)
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Credit Reporting Agencies and Their Stall Tactics (5:47)
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Do's and Don'ts When Sending Bureau Disputes (3:35)
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Utilizing credit repair services (2:48)
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Section summary
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Quiz
Leveraging Your Credit Using Consumer Laws
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What Are the Consumer Laws and the Significance of Using Them
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Fair Credit Reporting Act (2:34)
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How to Use the FCRA to Your Favor? (4:01)
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Section 15 USC 1681(a) with Dispute Letter (6:24)
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Section 15 USC 1681(e)(b) with Dispute Letter (2:16)
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Dispute letter to remove Late Payments with (15 U.S. Code 1666b)
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Dispute letter to remove Charge Off's (15 U.S. Code 1601)
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Dispute of Repossessions on Credit Report Pursuant to 15 U.S. Code § 1681s-2
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Dispute letter to remove Collections (15 U.S. Code 1692c)
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Dispute letter to remove Bankruptcy's (15 U.S. Code 1681b)
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Dispute letter to remove Hard Inquiries (15 U.S. Code 1602p)
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Fair Debt Collection Practices Act (2:52)
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Section 15 USC § 1692(a) with Dispute Letter (6:13)
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Equal Credit Opportunity Act (2:02)
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State Laws (3:28)
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Other Credit Laws List (Clickable Links)
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Section summary
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Quiz
Dispute Letters Repairing Specific Credit Issues (No Video Tutorials in This Section)
Dealing with Charge Offs
Dealing with Collection Agencies (Both Medical and Unsecured Debt)
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What is a Collection Agency? (2:44)
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Should You Pay a Collection Agency? (0:56)
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Never Pay A Collection Agency (2:53)
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What Happens If You Don’t Pay a Debt Collector? (5:34)
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Collection Agencies That Offer Deletions per Payment (2:22)
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Tricks the Collection Agencies Do (3:00)
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Alternatives to Paying a Debt Collection Agency (In The Case of Being Sued) (2:14)
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Disputing Collection Accounts (3:38)
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Dispute Letter Accounts in Collections to CRAs
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Removing Medical Collections
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Removing Medical Collections (Letter to the Collection Agency)
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Section summary
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Quiz
Dealing with Repossessions
Dealing with Student Loans
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Student Loans: Repayment and Credit Impact (4:27)
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Ways to Repay - Standard Repayment (2:51)
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Ways to Repay - Income-Driven Repayment Plans (4:39)
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Other Ways to Rectify A Defaulted Student Loan (2:45)
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Steps for a Student Loan Challenge
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Factual Letter for a Student Loan
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Dispute Letter Student Loan Late Payments with Deferment
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Section summary
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Quiz
Dealing With Foreclosure
Dealing with Bankruptcies
Dealing with Inquiries
Dealing with Identity Theft
Metro 2 Compliance Challenge Methodology
Removing Yourself From Checking Account Databases
The CFPB - Consumer Financial Protection Bureau
The BBB - Better Business Bureau
You Got Sued, Now What?
Credit History & Score Improvement Strategies
Credit Rebuilding
Final Assessment and Next Steps
*** FREE Bonus Resources ***
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Confident Credit eBook (Written by Israel Catala)
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The Private Lenders List eBook (Written by Israel Catala)
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Learn How to Create Business Credit eBook (Written by Israel Catala)
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The Advantages of Credit Unions
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Here Are 10 Banks That Provide Loans Without Credit Check
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Dispute Letter Arsenal
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3,500 Chat GPT Prompts For Credit Repair and More
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Your Own Credit Repair Planner
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Complete List of Credit Reporting Agencies
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How to Start Your Own Credit Repair Business (By The Credit Consultants Association)
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Apply For The Apple Card (No Hard Inquiry)
