Privacy Guard disputing software
Privacy Guard disputing software
Hello guys, I am Carol and today I am going to review a privacy guard credit report they have changed the look of their credit reporting now so it looks
totally different. Here so what I'm gonna do is I want to make sure I don't show the client's name so bear with me I'm gonna be moving kind of slowly but
that's because I don't want to show personal information but this week this credit report this is a gentleman
I've been working with for a while and his this is his credit scores as of today you can see as of yesterday okay this is very
If it's available for you so that you know how many inquiries you have on your current report and which ones are there and the date that you inquire or maybe you didn't okay but in any case, you will know the dates here now these usually stay on your credit report for two years okay so you see this is 12 13 18 and 12 20 these this will come off okay it says mail only which means there's no phone number for you only can mail to them okay that's what that means the same thing here okay now this is you know of course Experian TRW and Equifax okay just so you know in case you didn't and on and on but these are the inquiries on this particular credit report so I'm going to close that up now these are your credit accounts and over here is I call it a menu it has the account one two three all the way down okay and it lists everything for you that way.current, okay and it shows your credit score's alright and here it gives a breakdown of you know what's going on with each one of them okay so that's what that's about now as we move down here this is your summary I'm not gonna click on that this is his personal information this is where your personal information will be this is a consumer statement here okay what you can see there is nothing there all right so this is where all of your credit inquiries are and each one of them as you can see it has you know 1 2 3 4 on down it has the date here the name is going to list the address if it's available for you and the phone number.
You can check and see that everything is correct or not okay if it's not correct you should be disputing okay but as you can see here everything matches as it should okay this is the account number sometimes you know American Express it just depends on the company how they want to break the names up there that's what that is about okay now on each credit we call them creditors this right here is your over the past 24 months whether it's a good account or bad it doesn't matter it's going to show you what's been happening over the past 24 months with each borough, okay and it shows you here this is this means January March April May all the way down okay that's what that is all right so and then here if you see all green which you do which is great.
It's okay 30 days late 60 days late 90 days 120 150 180 days late if it's on a payment plan if it's a repossession foreclosure collection charge off account negative or it's not available okay so that's what that means so again as you can see his account looks pretty good initially it did not when we started it did not but it looks really good he really has followed what we have talked about and discussed and his credit is really good he can go buy his house he can buy anything he wants pretty much with good interest rates with this type of credit score now, of course, he wants his credit into 800.
we actually just had a conversation and that will be very coming very soon okay so I'm gonna close this now if you have real estate accounts which means you own a home or something that information is going to show here okay um it will also show in the credit accounts but it's going to show here as well okay if you have any installment credit accounts that will show here okay and that installments would be like your car payments things like that's what that's what you're seeing here okay that's what you're saying here let's see open accounts will be here which is pretty much the same as in their revolving credit accounts okay so those that's what that is and again I like the way they break it down account one two three.
So that that's what that looks like collection accounts none this is this used to have accounts in there now there's none which is awesome I mean we've we've gotten it we're would need to be other counts are here okay derogatory information would be here okay and this used to be derogatory is no longer okay um he has taken care of this so it's we're supposed to be but it used to be um bad but now it's not so any public records bankruptcies of what-have-you will be in here and this is your credit to contact information which is you know you can see here you can if it has a phone number they will list it otherwise it's by mail like here phone number there you can call them if that's what you need to do sometimes you need to call a creditor to talk with them to set up a debt settlement or something like that this is your score tracker okay stimulators and down below here is just different information on different calculators if you want to budget whatever you need to do and you can also download your dispute form here.
So that's what this is I wanted to kind of review it really quickly for you so you can get an idea how to read it okay I hope this video transcript has helped you.