Samantha Nicole Collective

25/08/2022

🚨𝐃𝐢𝐝 𝐘𝐨𝐮 𝐊𝐧𝐨𝐰 𝐘𝐨𝐮 𝐃𝐨𝐧'𝐭 𝐇𝐚𝐯𝐞 𝐓𝐨 𝐏𝐚𝐲 𝐎𝐯𝐞𝐫 $𝟐𝟎 𝐟𝐨𝐫 𝐂𝐫𝐞𝐝𝐢𝐭 𝐑𝐞𝐩𝐚𝐢𝐫?🤔💭

👉 𝐘𝐎𝐔 𝐂𝐀𝐍 𝐃𝐨 𝐈𝐭 𝐘𝐎𝐔𝐑𝐒𝐄𝐋𝐅 With My Step By Step Credit System🔥

My Team Is Seeing 𝐑𝐞𝐬𝐮𝐥𝐭𝐬 Within their 𝐅𝐢𝐫𝐬𝐭 𝟒𝟓-𝟔𝟎 𝐝𝐚𝐲𝐬❗️

👉 The System Provides 𝑨𝒍𝒍 𝑻𝒉𝒆 𝑪𝒓𝒆𝒅𝒊𝒕 𝑳𝒆𝒕𝒕𝒆𝒓𝒔 Needed and 𝐓𝐞𝐚𝐜𝐡𝐞𝐬 𝐘𝐎𝐔 𝐒𝐭𝐞𝐩 𝐁𝐲 𝐒𝐭𝐞𝐩 by Video On What To Do!

🚨 As Long As You Don't Have An Active Garnishment You Can Dispute: 𝐂𝐨𝐥𝐥𝐞𝐜𝐭𝐢𝐨𝐧𝐬, 𝐂𝐡𝐚𝐫𝐠𝐞𝐬 𝐎𝐟𝐟𝐬, 𝐇𝐚𝐫𝐝 𝐈𝐧𝐪𝐮𝐢𝐫𝐞𝐬, 𝐑𝐞𝐩𝐨𝐬, 𝐄𝐯𝐢𝐜𝐭𝐢𝐨𝐧𝐬, 𝐏𝐮𝐛𝐥𝐢𝐜 𝐑𝐞𝐜𝐨𝐫𝐝𝐬, 𝐁𝐚𝐧𝐤𝐫𝐮𝐩𝐭𝐜𝐢𝐞𝐬, 𝐒𝐓𝐔𝐃𝐄𝐍𝐓 𝐋𝐎𝐀𝐍𝐒 𝐄𝐭𝐜❗️

💰 𝐵𝑒𝑠𝑡 𝑃𝑎𝑟𝑡 𝑌𝑜𝑢 𝐶𝑎𝑛 𝑊𝑟𝑖𝑡𝑒 𝑇ℎ𝑖𝑠 𝑃𝑟𝑖𝑐𝑒 𝑂𝑓𝑓 𝑂𝑛 𝑌𝑜𝑢𝑟 𝑇𝑎𝑥𝑒𝑠 💰

I'm Helping Only "20" People Get Started With The Promo Price By Midnight ❗️ 𝐓𝐀𝐏 𝐈𝐍🔥

25/08/2022

🚨𝗖𝗿𝗲𝗱𝗶𝘁 𝗧𝗶𝗽🚨

𝐓𝐡𝐞 𝐜𝐫𝐞𝐝𝐢𝐭 𝐛𝐮𝐫𝐞𝐚𝐮𝐬 𝐚𝐫𝐞 𝐑𝐄𝐐𝐔𝐈𝐑𝐄𝐃 𝐭𝐨 𝐩𝐫𝐨𝐯𝐢𝐝𝐞 𝐭𝐡𝐞 𝐦𝐞𝐭𝐡𝐨𝐝 𝐨𝐟 𝐯𝐞𝐫𝐢𝐟𝐢𝐜𝐚𝐭𝐢𝐨𝐧 𝐭𝐡𝐚𝐭 𝐢𝐧𝐜𝐥𝐮𝐝𝐞𝐬 𝐭𝐡𝐞 𝐧𝐚𝐦𝐞, 𝐚𝐝𝐝𝐫𝐞𝐬𝐬, 𝐚𝐧𝐝 𝐭𝐞𝐥𝐞𝐩𝐡𝐨𝐧𝐞 𝐧𝐮𝐦𝐛𝐞𝐫 𝐨𝐟 𝐭𝐡𝐞 𝐝𝐚𝐭𝐚 𝐟𝐮𝐫𝐧𝐢𝐬𝐡𝐞𝐫 𝐢𝐟 𝐫𝐞𝐪𝐮𝐞𝐬𝐭𝐞𝐝 𝐛𝐲 𝐚 𝐜𝐨𝐧𝐬𝐮𝐦𝐞𝐫.

Also, they must prove they received from the creditor a copy of original dated contract with your signature on it.

The good news is that the Bureaus are mostly not complying with the Fair Credit Reporting Act. They use automated system.

The standard dispute process has been automated by the credit bureaus through various electronic methods, the most common being e-Oscar, which is a centralized dispute communication tool.

The dispute is usually scanned and processed out of the country, where labor is cheaper. Then it is assigned a two-digit e-Oscar code.

𝐘𝐎𝐔, 𝐚𝐬 𝐭𝐡𝐞 𝐜𝐨𝐧𝐬𝐮𝐦𝐞𝐫, 𝐇𝐀𝐕𝐄 𝐓𝐇𝐄 𝐑𝐈𝐆𝐇𝐓 𝐭𝐨 𝐫𝐞𝐪𝐮𝐞𝐬𝐭 𝐚 𝐦𝐞𝐭𝐡𝐨𝐝 𝐨𝐟 𝐯𝐞𝐫𝐢𝐟𝐢𝐜𝐚𝐭𝐢𝐨𝐧 𝐩𝐫𝐨𝐨𝐟!.!

When you utilize the “Method of Verification” letter request, it can prove to be a very useful tool in your credit repair process.

This request is designed to force the credit reporting agencies to comply with the law during their investigation. Seeing as how most investigations are automated, requesting a MOV (Method of Verification) will often alert the credit reporting agencies that they have a smart consumer to deal with...

I Can Help You Do This YOURSELF... With My DIY Credit Letters..

10 Spots Left.. ❤️

www.SamanthaNicoleCollective.com

24/08/2022

🚨CREDIT TIP 🚨

If you need a loan, do your rate shopping within a focused period of time, such as 30 days.

FICO scores distinguish between a search for a single loan and a search for many new credit lines, in part by the length of time over which inquiries occur.

Generally, people with high FICO scores consistently:
👉 Pay bills on time. 👉Keep balances low on credit cards and other revolving credit products.

🚨Apply for and open new credit accounts only as needed.🚨

Also, here are some good credit management practices that can help to raise your FICO score over time:

👉Re-establish your credit history if you have had problems. Opening new accounts responsibly and paying them on time will raise your FICO score over the long term.

👉Check your own credit reports regularly, before applying for new credit, to be sure they are accurate and up-to-date.

As long as you order your credit reports through an organization authorized to provide credit reports to consumers, such as myFICO, your own inquiries will not affect your FICO score.

-Ya Welcome 💋

23/08/2022

🚨𝐍𝐚𝐯𝐲 𝐅𝐞𝐝𝐞𝐫𝐚𝐥 𝐂𝐮𝐬𝐭𝐨𝐦𝐞𝐫𝐬 𝐂𝐑𝐄𝐃𝐈𝐓 𝐇𝐀𝐂𝐊🚨

If you have Navy Federal and need a boost in your credit score call them and ask for a Pledge Loan:

It's basically a secured loan that you use with money from your Savings account or Certificate account.

You can do as low as $250
(1 would suggest $350 or more).
There's no pre payment penalties and you can pick your own terms (6-60 months)
So listen clearly...

𝐈𝐅 𝐘𝐎𝐔 𝐇𝐀𝐕𝐄 𝐌𝐎𝐍𝐄𝐘 𝐒𝐈𝐓𝐓𝐈𝐍𝐆 𝐈𝐍 𝐘𝐎𝐔𝐑 𝐒𝐀𝐕𝐈𝐍𝐆𝐒 𝐀𝐂𝐂𝐎𝐔𝐍𝐓 𝐋𝐄𝐓 𝐈𝐓 𝐖𝐎𝐑𝐊 𝐅𝐎𝐑 𝐘𝐎𝐔 & 𝐁𝐔𝐈𝐋𝐃 𝐘𝐎𝐔𝐑 𝐂𝐑𝐄𝐃𝐈𝐓.

www.SamanthaNicoleCollective.com

23/08/2022

It's Transmitted Through Touch, Conversations and Surroundings..

🌟Be Mindful Of Your Energy.. 🌟

23/08/2022

🚨WHAT TO DO/NOT DO WHEN REPAIRING YOUR CREDIT 🚨

📌 AVOID TALKING DIRECTLY TO DEBT COLLECTORS.

📌 DON'T AGREE TO ANYTHING UNLESS IT'S IN WRITING.

📌 DON'T CLOSE ANY CREDIT CARD ACCOUNTS.

📌 DON'T APPLY FOR A MAJOR CREDIT CARD

📌 GET A SECURED CREDIT CARD TO BUILD CREDIT

Www.SamanthaNicoleCollective.com

22/08/2022

Keep Going ❤️

18/08/2022

🚨𝐈𝐟 𝐘𝐨𝐮𝐫 𝐂𝐫𝐞𝐝𝐢𝐭 𝐒𝐜𝐨𝐫𝐞 𝐒𝐭𝐚𝐫𝐭𝐬 𝐖𝐢𝐭𝐡 𝐀 𝟒, 𝟓,𝟔 𝐓𝐡𝐢𝐬 𝐎𝐧𝐞's 𝐅𝐨𝐫 𝐘𝐨𝐮🚨‼️

All 3 Credit Bureaus are under fire🔥 for reporting inaccuracies & obsolete information! 📝

Take advantage! This is a GREAT time of year to remove your:
❌️ 𝐂𝐨𝐥𝐥𝐞𝐜𝐭𝐢𝐨𝐧𝐬
❌️𝐇𝐚𝐫𝐝 𝐈𝐧𝐪𝐮𝐢𝐫𝐢𝐞𝐬
❌️𝐋𝐢𝐞𝐧𝐬
❌️𝐒𝐭𝐮𝐝𝐞𝐧𝐭 𝐋𝐨𝐚𝐧𝐬 (YES YOU READ THAT RIGHT)
❌️𝐁𝐚𝐧𝐤𝐫𝐮𝐩𝐭𝐜𝐢𝐞𝐬
❌️𝐏𝐮𝐛𝐥𝐢𝐜 𝐑𝐞𝐜𝐨𝐫𝐝𝐬
❌𝐋𝐚𝐭𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 etc️❗️

‼️ 𝐃𝐎𝐄𝐒𝐍'𝐓 𝐌𝐀𝐓𝐓𝐄𝐑 𝐈𝐅 𝐘𝐎𝐔 𝐎𝐖𝐄 𝐓𝐇𝐄 𝐃𝐄𝐁𝐓‼️

Who needs info? I can help you 🙌🏾🙌🏾

🚨𝑳𝒊𝒎𝒊𝒕𝒆𝒅 𝑺𝒑𝒐𝒕𝒔 𝑨𝒗𝒂𝒊𝒍𝒂𝒃𝒍𝒆 𝑨𝒕 𝑻𝒉𝒆 𝑷𝒓𝒐𝒎𝒐 𝑷𝒓𝒊𝒄𝒆🚨
𝟐𝟎 𝑺𝒑𝒐𝒕𝒔 𝑳𝒆𝒇𝒕 𝑩𝒆𝒇𝒐𝒓𝒆 𝑴𝒊𝒅𝒏𝒊𝒈𝒉𝒕!

LNK.BIO/SAMANTHANICOLECOLLECTIVE



FB Disclaimer: I Don't Own The Rights To This Music.

17/08/2022

🚫𝐂𝐡𝐚𝐫𝐠𝐞𝐝-𝐨𝐟𝐟 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐬. 𝐖𝐡𝐚𝐭 𝐚𝐫𝐞 𝐭𝐡𝐞𝐲 𝐚𝐧𝐝 𝐡𝐨𝐰 𝐝𝐨 𝐈 𝐫𝐞𝐦𝐨𝐯𝐞 𝐭𝐡𝐞𝐦? ​
​
After 90-120 day late mark, creditors usually pull a legal maneuver called "charging off the debt" to mitigate their losses.​
​
At this point, they feel the debt may be uncollectible. The creditor is paying TAXES on the debt that you owe. The debt is an ASSET to their company. So even though you aren't paying and they loss $$, they're losing even more $$ by hanging on to the debt. So they charge it off🤷‍♀️​
​
They essentially report it as an uncollectible debt, and no longer have to pay taxes on the debt that you owe - and by doing so, they give up their right to actively collect on the debt.​
​
Then, they generally report to the bureaus that the debt has been charged off. Next, they either sell it off to a 3rd-party debt collection agency or they lease it to a debt collection firm who takes over the right to collect it. ​
​
🙃*You still owe the debt, but you owe it to someone else!​
​
It's extremely damaging.​
​
Usually the original account will appear 30, 60, 90+ days past due, then the status will reflect a charge off. Usually a new debt collector will report the same exact account as a new collection. So now you have a really bad payment history with the original creditor + a collection account🤬​
​
𝐇𝐨𝐰 𝐝𝐨 𝐲𝐨𝐮 𝐫𝐞𝐦𝐨𝐯𝐞 𝐚 𝐜𝐡𝐚𝐫𝐠𝐞-𝐨𝐟𝐟❓​
​
Honestly, there's no real secret formula... Oh, sorry but I won't go into Metro 2 here...​
​
But for the general consumer - 𝑯𝒆𝒓𝒆'𝒔 𝒕𝒉𝒆 𝒑𝒓𝒐𝒄𝒆𝒔𝒔:​
​
✅Start with the standard process of requesting verification from the bureaus and if you can pin point the factual error, go ahead and go after it!​
​
✅Sure, you can request validation from the debt collector as well.​
​
✅You can be super persistent with both the bureaus and debt collectors by demanding the MOV, reinvestigations, and filing complaints if necessary. ​ ​
​
✅But if the debt is truly valid, try to secure a deletion by offering a settlement or full payment (do not settle for less than full debt and do not pay, unless you receive a written agreement).

04/08/2022

Visualise your highest self. Start showing up as her💋

02/08/2022

When god pushes you to the edge, trust him fully, because only two things can happen. Either he will catch you when you fall or he will teach you how to fly.🕊😇

29/07/2022

You can find me somewhere in between inspiring others, working on myself, dodging negativity, and slaying my goals.💅🏽

28/07/2022

Our Private Chats Are Lit 🔥🔥🔥

My Team Is Seeing Major Results Within Their 1st 30 to 60 days Of Using My DIY Credit Letters for $19.95

You Can Dispute:
-Student Loans
-Charge Offs
-Hard Inquiries
-Collections
-Late Payments
-Bankruptcies
-Evictions
etc...

EVEN If You Owe The DEBT!!

Drop A 🔥 For More Information...

10 Spots Left Until Midnight!

28/07/2022

Never be afraid of Change, You may lose something good, but GAIN something EVEN BETTER!

25/07/2022

Collection Companies Are Under Fire For Violating Your Rights Under The FTC and FDCPA. Know Your Rights 👏🏼

25/07/2022

Who Needs Credit Repair But Own On Funds? I'm Helping Only 10 ppl but Midnight 💪

25/07/2022

Trust No One But God 🙏😌

25/07/2022

🚨 Credit Tips 🚨

Please STOP this 🤚🏽.

Easy Isn't Always BETTER.

Waiting The 30-45 days to get results is WORTH IT.

You've Spent How Many Years Ruining Your Credit?? Real Question 🤔

You Cannot Expect Miracles To Happen Overnight.

Patience is Key 🔑 👌.

-Samantha Nicole 💋

24/07/2022

Happy Sunday ❤️

24/07/2022

21/07/2022

I Agree!!

16/07/2022

NEVER RE-FRIEND
A person that has TRIED TO DESTROY your character, money or relationship.
A 🐍 only sheds its skin
to become a BIGGER 🐍.

15/07/2022

14/07/2022

You Will Attract EVERYTHING You Require. Whether that be Money, People, Connections! Pay Attention To What's Being Set In Front Of You!

GM 💋☀️

14/07/2022

When Disputing Closed Accounts on Your Credit Report

ONLY DISPUTE Deragatory Closed Accounts For Example: Things With Late Payments.

Keep Closed Accounts That Have A POSITIVE Standing.. In Other Words, If It Reflects PAID AS AGREED.
with Great Payment History
#1. It Establishes A Strong Credit History
#2. It Boosts Your Credit Score
#3. Usually Stays On Your Credit For 10 Years which helps show your "Credit Age"

This Is A Gold Star ⭐️⭐️⭐️⭐️⭐️ Moment for Lenders!

Ya Welcome 💋

12/07/2022

The real difficulty is to overcome how you think about yourself.👑

11/07/2022

🚨𝐈𝐟 𝐘𝐨𝐮𝐫 𝐂𝐫𝐞𝐝𝐢𝐭 𝐒𝐜𝐨𝐫𝐞 𝐒𝐭𝐚𝐫𝐭𝐬 𝐖𝐢𝐭𝐡 𝐀 𝟒, 𝟓,𝟔 𝐓𝐡𝐢𝐬 𝐎𝐧𝐞𝐬 𝐅𝐨𝐫 𝐘𝐨𝐮🚨‼️

All 3 Credit Bureaus are under fire🔥 for reporting inaccuracies & obsolete information! 📝

Take advantage! This is a GREAT time of year to remove your:
❌️ 𝐂𝐨𝐥𝐥𝐞𝐜𝐭𝐢𝐨𝐧𝐬
❌️𝐇𝐚𝐫𝐝 𝐈𝐧𝐪𝐮𝐢𝐫𝐢𝐞𝐬
❌️𝐋𝐢𝐞𝐧𝐬
❌️𝐒𝐭𝐮𝐝𝐞𝐧𝐭 𝐋𝐨𝐚𝐧𝐬 (YES YOU READ THAT RIGHT)
❌️𝐁𝐚𝐧𝐤𝐫𝐮𝐩𝐭𝐜𝐢𝐞𝐬
❌️𝐏𝐮𝐛𝐥𝐢𝐜 𝐑𝐞𝐜𝐨𝐫𝐝𝐬
❌𝐋𝐚𝐭𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 etc️❗️

‼️ 𝐃𝐎𝐄𝐒𝐍'𝐓 𝐌𝐀𝐓𝐓𝐄𝐑 𝐈𝐅 𝐘𝐎𝐔 𝐎𝐖𝐄 𝐓𝐇𝐄 𝐃𝐄𝐁𝐓‼️

Who needs info? I can help you 🙌🏾🙌🏾

🚨𝑳𝒊𝒎𝒊𝒕𝒆𝒅 𝑺𝒑𝒐𝒕𝒔 𝑨𝒗𝒂𝒊𝒍𝒂𝒃𝒍𝒆 𝑨𝒕 𝑻𝒉𝒆 𝑷𝒓𝒐𝒎𝒐 𝑷𝒓𝒊𝒄𝒆🚨
𝟐𝟎 𝑺𝒑𝒐𝒕𝒔 𝑳𝒆𝒇𝒕 𝑩𝒆𝒇𝒐𝒓𝒆 𝑴𝒊𝒅𝒏𝒊𝒈𝒉𝒕!

LNK.BIO/SAMANTHANICOLECOLLECTIVE

11/07/2022

The Biggest Tip Of Credit Repair Is 👑❤️‍🔥

Pay Your Bills On Time and Before They're Due.

It helps show the companies how responsible you are. And can help with some of the pain with paying everything at once.

11/07/2022

Good Morning Everyone.

Thank You For Your Support!. I Have Officially Launched My Store.
Nikki Redd Unlimited ❤️

07/07/2022

Talk with the people who makes you see the world differently❤️‍🔥
Time To Grow and Glow 👑

05/07/2022

Your Value Doesn't Decrease Based On Someone's Inability To See Your Worth.. 👑
Demote and Discard Sis 💅

05/07/2022

Keep going, because you did not come this far just to come this far❗️

04/07/2022

Imagine having all your bills on auto pay & STILL seeing 5-6 figures on the regular… This will be your new normal… Claim it
🙏🏾✨✨

03/07/2022

Credit Tip 👑

If You Are Unable To Get A Bank Account Because Of Your Past Mistakes. It's Because You've Been Flagged By ChexSystem.

Chex Systems, Inc. is a nationwide specialty consumer-reporting agency (NSCRA) governed by the Federal Fair Credit Reporting Act (FCRA) and any applicable state statutes compiles and maintains files on consumers on a nationwide basis relating to -

(1) medical records or payments;
(2) residential or tenant history;
(3) check writing history;
(4) employment history; or
(5) insurance claims.

Just Because You Pay The Account Of They Have No Obligation To Remove It. You must dispute. Before You Dispute Freeze Your Report Here..

-- Link In Comments---

03/07/2022

When You Face Difficult Times, Know That Challenges Are Not Sent To Destroy You. They’re Sent To Promote, Increase And Strengthen You.

Happy Sunday 👑❤️

03/07/2022

Don’t let negative and toxic people rent space in your head. Raise the rent and kick them out! Law Of Attraction ❤️

01/07/2022

Formal education will make you a living; Self-Education will make you a fortune.

30/06/2022

Don’t tell me what they said about me. Tell me why they were comfortable saying to you.

30/06/2022

One day you will tell your story of how you're overcome what you're going through now, and it will become part of someone else's survival guide.
GM ☀️

30/06/2022

Be thankful for closed doors, bad vibes,and stuff that falls apart. It'll protect you from things not meant for you.