HOW TO REMOVE ANYTHING OFF YOUR CREDIT WITH @DaraineDelevante

yo this band man Kevin welcome back to my YouTube channel today we got a crazy topic about credit week Darian delevante man what's going on man first of all thank you thank you very much for uh you know gracing me with being here um this episode is going to be crazy it's gonna be one of the craziest episodes on consumer law and credit so y'all better stay tuned to the whole episode so for those of you who don't know me my name is Dorian delevante I'm your favorite consumer law expert I teach people how to repair rebuild restore their own credit using consumer laws I also teach credit repair business owners or to scale their credit repair business to making an extra 100 to 200 000 per year using four key principles lead generation client conversion client Ascension and continuity those four principles can scale and invisible thank you for having me so look I want to ask you so a lot of my fans you know they probably you know I like out of high school just getting it to College you know low funds some of them probably just got money um just sitting around and don't know what to do with the money and I always tell them that you know credit is very important you can build credit you can um actually do credit just like you teach people how to build credit based credit and you do it yourself or so I do it for me and I'm launching a program okay or affluent and higher Network individuals like yourself that don't let the time to do it where I will be doing it also it's a program that I'm coming out with soon but for the most part right now I teach consumers and credit repair business owners how to get anything deleted from a credit profile wow anything at all you name it I've gotten it deleted wow so so basically if somebody is worried right now with bad credit they have stuff on their credit you basically teach them how to take it off their credit correct using consumer laws okay like there's so much tactics now on the internet people telling people how to do weird stuff that can get them into trouble or get um fraud alert put on their credit reports and then they don't even know that it's there we're using consumer laws laws put in place to protect the consumer by Congress it's a whole another game so for a person who's who don't know too much about credit and that's watching this video what is consumer law consumer laws are laws put in place to protect consumers from Banks Auto Dealers let any type of lender subprime lenders different financial institution it's lost to protect you as the consumer so all right let me give you an example you're at about the 3.7 billion dollar lawsuit with Wells Fargo on the cfpb yeah that's consumer law right so it's laws put in place because Wells Fargo they were opening illegal accounts applying illegal late payments because late payments don't even exist and a lot of people don't notice but I'm gonna break this down to you how late payments are late payments don't exist it only exist if you let it because when you go to the definition of your Consumer Report FICO or its factors are not a part of it guys I'm gonna break everything down but consumer law is the goal okay because someone law y'all y'all heard it first so I want to know as far as how do you feel about the credit cleaning letters I make my own letters my letters are consumer law based I do not use anybody's letter right I am 100 effective right right that's why I got you on here man I've seen you do anything bro and I was just like man I want to really dig so man just give us some free games just give us some game on like you know about anything about credit cleaning credit building I just want to hear from you you know all right so the first thing that we got to come print because we ain't understanding nothing right yeah lean under nobody's stand and uh we need to comprehend words so so there's a term that the elite and the affluent use and most business owners that a lot of people that are consumers don't know about it's called double speaking that was when you say one thing but it means another exactly another example would be legalese like if we're going to do business then we got a contract why do we need a lawyer it's it's written out in a different language that the the regular person cannot comprehend so therefore we need another person to interpret what is it well why couldn't it just be basic English where we both comprehend what we're doing and we can make an informed decision right right so the double speaking is real all right another example would be person what do you think the word person means person yeah like um like yourself what if I tell you with consumer law person doesn't necessarily mean you the natural person that's Flesh and Blood it also means a corporation a government entity a trust different financial institutions let me get the definition now I'm gonna break something down to you I'm gonna give y'all a lot of people when I speak people think that I'd be joking right so for everybody that's watching right now I'ma walk y'all through the whole you talk about getting the whole FICO together I'm gonna give you all the whole game so 15 USC 1681. this is the Fair Credit Reporting Act Right This is the law that governs how different businesses institutions corporations and firms report your information to the consumer reporting agencies that's the other thing too about double speaking credit bureaus I'm sure you've heard that word a lot of times yeah what if I told you credit bureaus don't even exist and it's a whole lie and it was made up wow I can prove it every if I can prove what I'm saying out here I want you to kick me over this interview live kick me off at the interview if I can't prove what I'm saying I'm that confident in what I'm about to tell everyone right now so is credit important credit is let me show you how important credit is it's it says that America is about by full faith and credit of the United States credit runs the world but earlier before behind the scenes we were talking about good that and bad debt there is no money America has no money real money is coin of Silver and Coin of gold we've been off the gold standard since 1971 when Nixon took us off the gold standard what we have now are Federal Reserve notes are Fiat currencies that we use to do our daily transactions so the fact that there is no money quote unquote money is created through debt that's why debt is tax free that's why you'll have guys like Robert Grant and these Mega guys that knows the tax laws they don't pay any income tax because rule number one of the richest the rich don't work for money they have money work for them right so they will borrow like look at Elon he will borrow to buy than use his assets than liquidating his asset to buy anything because when you do that you get taxed right credit is one of the most important thing that an individual needs to learn especially for the high schooler that's watching this right now for the college graduate that's watching this right now but someone that wants to go in business right now you got to learn credit because if you are not rich or come from money credit is going to be the Gap to get you where you need to be exactly make all the sense in the world so basically you saying that if they if anybody right now sitting at home thinking about how do I make money how do I get rich how do I get my life to the next level most likely they need to start either fixing and building their credit over anything else 100 because for sure you can do it for free right like it is so much of a low entry to repair rebuild and restore your own credit it's so easy that people make it difficult and the reason why I say that is okay first of all my YouTube channel right Loren de Levante dude I have content that can hold you on there for a whole month Straight No Cap wow I got content up to four hours of me breaking down that collection breaking down the fcra breaking down different laws and showing you how I built a 800 credit score three times in one year and I wasn't even in the country I was deployed in Kuwait wow so make sure y'all follow his YouTube channel that's crazy it's a whole game mode there so let me let me break something down so I want people to comprehend what I'm saying because uh double speaking we have grouped certain words and certain meaning together based on what we know and it's no fault of yours it's just that you weren't hip to the game but I'm about to put y'all on game so the first thing I want to talk about is the term consumer report right yeah a lot of people call it credit report they're two totally different things right right the credit report is a snapshot that you'll get from a third party credit monitoring company like FICO or or any of these other companies that do credit monitoring right when we talk about the consumer report itself that's the report that Experian Transunion and Equifax house right that's your file that has all your information and one of the definition that Congress has is and guys you can look this up everything that I'm about to tell you you can fact check what I'm about to say over facts proven facts so if you go to 15 USC 1681 a it brings you the definition rules and construct right and when you scroll down to number two it says exclusions well the first thing we need to comprehend is what does the word exclusion mean if if someone say you are excluded from this event doesn't this simply mean that you are not allowed to be at this event so if Congress is telling us that there are certain things excluded from your consumer put well wouldn't it be in your best interest as a consumer to find out what is not supposed to be there all right all right so and that's what led to my curiosity that's how I started this journey of consumer law so when I started reading the laws this is what Congress says except as provided in paragraph three the term Consumer Report does not include and Congress gave us the definition of what the consumer report is right people think it's a credit report it's not Congress says this the term Consumer Report means any written oral or other communication of any information regard by consumer putting agency bearing on a consumer's credit worthiness credit standing credit capacity character General reputation personal characteristics or mode of living which is used are expected to be used in whole or in part for the purpose of serving as a factor for establishing a consumer's eligibility for a credit or Insurance to be used primarily for personal family and wholesale purposes B employment purposes or C any purpose under Section 1681 B at any time in this definition did you hear me say the word FICO but what do we think when we talk about credit the FICO escort or yeah and people believe that whatever FICO produces is what is there well it's not true baiko is a technology company FICO is an algorithm that based a consumer on their risk level based on information on your consumer report so if that is true and the consumer report exists independently without the FICO score it simply means that the factors of FICO does not contribute to your consumer report as that so now when I learned this brother I said this Congress says except as provided in paragraph three the term Consumer Report does not include report containing information solely as to transactions or experiences what is a payment history where transactions if your transactions are excluded if your transactions are excluded where does the late payment come from that it does not exist right it's a factor of FICO payment history utilization age of credit mixture of credit new credit those are factors of FICO it has nothing to do with the consumer report so when you see the separation now all right so if I know that my transactions are excluded the reporting of a late payment is illegal yeah that's how I cracked the code bro so when I learned this and then it goes further to speak about the experience so it also says the transactions or experiences between the consumer remember earlier we spoke about what a person means all right so a consumer is an individual this is a definition by law right but when we go to the word person the term person means any individual partnership cooperation trust estate Cooperative Association government or governmental subdivision wow so basically we basically we are getting scammed by credit basically like the FICO companies or what like I wouldn't say skim I'd say that we are misinformed intentionally bad credit is the biggest business in the US all right I'm gonna put you on the same game right now yo y'all but they don't even supposed to put that on there it's not supposed to be there it's a factor of FICO FICO isn't law FICO isn't the government it is a private company he has nothing to do with your Consumer Report the same way Experian Transunion and Equifax private companies but they have assumed a role where they call themselves a credit bureau everybody thinks government when you hear the word Bureau so if I can control The Narrative of what you hear I can get you to do what I want so if we use the word Bureau and everybody believes we are a credit bureau if you dispute something and I say it is validated you will not contest it anymore you're not that's allowed to see it that's hard I'm gonna take it a step further the State of Florida there's a law called usury law right yeah and each state has their own version of it the State of Florida is kept at 18 that's the maximum interest rate any institution can charge anyone but I guarantee right now there's people watching this interview that is paying in Florida right now more than 18 interest rate that's a usury law violation but people don't know these things exist each state has one they have their own version of what that amount is now how I found this how it was dude when I got my first car it was a used Nissan Altima 2007 75 000 miles I was paying 18.90 interest rate on it I couldn't even get approved I had to get a co-signer damn the payment was 550 I was a new driver new insurance that means I'm paying 400 I lived in New York Bronx New York that insurance is hella high so for 950 I was paying for a used Nissan Altima with 75 000 miles on it damn bad credit is the most expensive thing it's the most expensive life you will ever live so you can't wait for reality do know that with bad credit you can't get anything you can't get a credit card you barely could get a banking account but think about it too if you even get it subprime lenders so now remember when I had bad credit like I told you with the car I was paying 18 yeah you would perfect credit or good credit you're paying two or three percent that's not a lot that you're making money off of right right you're making money off of me with about credit 18 35 25 percent not to mention now truth in London 15 USC 1605 the finance charge see what a lot of people don't know is that the finance charge has an insurance built into it the insurance protects the Creditor in case I default so if I default on my loan or whatever I finance an insurance policy is built into it that compensates the lender so they just got full payment but what else happens you get charged a late fee because you're late right right then after you got charged a late fee they did a charge off right they got a tax break on it then they sold it to collections you see how many times they sold this account they got paid off the insurance the insurance was built in so if I defaulted that insurance paid them they charge it off now then they sold it to collections money getting made all the way around bad credit is one of the biggest businesses in America and so what so that's another thing I want to talk about too so I run into a lot of people who have so-called good credit scores right they young they'd be like my credit score is 750 is 800 but with no credit history can you tell them a little bit about the credit history game all right I'm glad you brought it up the credit score means nothing the profile is everything yeah because no when we talk about a good mix we're talking about the type of accounts student loans auto loans personal loans we're talking about no mortgages mortgages we're talking about the age is it at three plus years we're talking about utilization is it below 10 is it still five percent no we're talking about your ability to pay back is your payment history Stellar when we when we really dive into credit the profile is more important than anything is because a kid coming out of college that is an authorized user on their mom or uncle or some relative credit card then we have a 750 with a thin profile here I've seen people get denied with the 800 credit score yeah me too it's a thin profile there's nothing there and they're arguing with them I wonder like why am I getting denied why is this happening why is that happening and I'm telling them like bro it's because you don't have no history you have nothing they gotta they gotta understand you have to separate yourself you have a car credit history you have credit card history you have long history you like even with a mortgage like you already never had a mortgage before that's what they're going to ask you so they want to see like oh should we test them should we try them out that's a part of credit you know what I mean so it's just good to know like for people that is watching that you have to have history that's why I was always good to start early not procrastinating ordering the best thing you can do is learn from people and you hear how you give it his game you definitely want to sign up for his mentorships with his classes go look at his YouTube channel because I'm shocked he telling me stuff I didn't even know you know what I mean so man let's get keep giving it all right what else we got Paul you brought up a point mortgages I didn't want to touch it but I'm gonna touch it do you know about the secondary Market have you heard about the secondary Market I heard somebody let's go back to 2008 when the whole Market crashed right okay when they were selling um clutterize that obligation cdos and credit default swaps and repackaging mortgages and selling it to investors right right so there's a term called securitization where the mortgage gets separated from the note so for everybody that's a homeowner I'm about to give you a game right now that there's very few people that notice the mortgage and the note cannot be separated if the mortgage is separated from the note there is no there's nowhere to pay what all right let me break it down the mortgage is an accessory to the note right the mortgage secures the debt the promissory note is the promise to pay that debt if they are separated the mortgage is null and void there's a lot of people that's paying on mortgages we're the holder hold only the mortgage but they don't own the promissory note there's no legal right to collect into l yes people right now that they're paying someone who holds the note the note by itself is worthless without the mortgage the mortgage is the debt the note is the promise they are accessories they must travel together and a lot of people that got pushed out of their homes illegally due to foreclosure the persons that were foreclosing didn't hold the note and the mortgage you cannot foreclose if you don't own the note and the mortgage you have to own both it's not either or if you own only one the up there is no obligation it is null and void this is a supreme um court case ruling damn that's a weird game right there y'all can go look it up Supreme Court case ruling the mortgage boss travel with the note go ahead wow that's a real game right there no auto loans we got a lot of luxury cars yeah right all right I'm gonna give y'all some other game now how to delete all the loans from your credit closed or open it doesn't matter you can delete any account that you want off your Consumer Report right so I know a lot of y'all will dispute and then you'll hear all right you know the bank said oh we have to report this by law what law what law I challenge any Banker any firm any consumer reporting agency show me the law that says you have to report anything to a person's Consumer Report there is no law the law says you may report and the consumer must give permission so there's a law it's called the gremlich bailiab right 15 USC 6802 right but before I go to 6802 I want to go to 6801 right I'll go to 6802 I'm gonna give you all the card game in a minute well because I'm going to pass 6801 I'm gonna give y'all some student loan game right now just just a little bit of student loan game yeah all right protection of non-public personal information right student loans are not public information it's not right that's private information right and the law says that it is the policy of the Congress that each financial institution those that extended those lines are credited to you those student loans they have an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers done public personal information well if Congress says this the first thing I want to know is what does privacy mean protection protection from people correct what does confidentiality means yeah it's not something that you can just share with everyone right so if these institutions are supposed to protect my privacy and confidentiality of my non-public information where does a student loan servicer that you don't even have a contract with there is no contract because you might have gotten the alleged loan from like a Sallie Mae Department of Education or one of these government agencies but where did Nelnet come from who is that right how are you reporting as a creditor when there is no contractual obligation between me and Nelnet wow yeah furthermore the law also says this your information must be protected against breaches well these companies share your information with Experian well didn't experience have a data breach that's a violation of this law wow that's money you can potentially get if you decide to go and sue them well let me let me let me take it a little bit a little bit one more slim further 6802 I told you all y'all can delete anything right now I'm going to prove it 15 USC 6802 obligations with respect to disclosures of personal information bro these are a lot I'm Jamaican I wasn't even born here I came here 13 years ago these laws were here before I got off the plane I'm just a messenger but I'm telling you that when I learned this stock everything changed wow the whole credit game changed I didn't need to study regular credit regular credit to me now is trash why because I can do whatever I want with the laws it is written entire laws their law says brother it says 15 USC 6802 B opt out a financial institution may not may not it's a choice they don't have to report anything it is a choice there is no law that says they have to report anything it is a lie damn it goes back to double speaking a financial institution may not disclose non-public personal information to a non-affiliated third party unless so let's break that part down a non-affiliated third party so if you own company a right and Company a has a subsidiary Company B they are affiliated by common interest and ownership but now if there's a company C that you don't own so I like to use choice and live stream they're Affiliated by Common ownership TransUnion Equifax and Experian Choice has nothing to do with them they don't own those companies that's a non-affiliated third party so true is can share information between live stream and Choice bank right but when it comes to TransUnion efforts and experience the consumer must get three disclosures before that information can be exchanged and the consumer must agree to it so yeah that's deep so now this is what the law says a financial institution may not disclose non-public personal information to a non-affiliated third party unless a such financial institution clearly and conspicuously is closest to the consumer in writing or in electronic form or other form permitted by the regulated regulations prescribed under Section 6804 of this title that such information may be disclosed to such third party this is double language all this is simply saying that okay we're going to report the rain we're going to report your information that's all that is said but you see how much stuff is in there just to say that right that's the first thing this is what 95 of all consumers get the first disclosures the first disclosure which is a they don't get B and they don't get C but you cannot give a without giving b and c and b says the consumer is given the opportunity right before the time that such information is initially disclosed to direct that such information not be disclosed to such third party so what b is saying is that okay the rain we're going to report your information but before we report your information we're going to tell you that we're going to report your information and if you decide that you don't want this information reported this is where you sign and then see now says this the consumer is given an explanation of how the consumer can exercise that non-disclosure option so if I decide not to have my information reported then no need to tell me what I need to do so my information does not get reported damn that's hard bro that's a real game consumer controls the credit report the consumer controlled the consumer report you control the information but people don't know they have this type of power and they get taken advantage of for sure for sure that's real deep I can't lie that's your sauce man they gonna be like wow because I'm shocked and last so look as far as um credit building talk about some credit building um I usually teach a lot about you know trade lines and stuff like that you know which is trash um but you know what really matters in today's world is primaries how do you feel about primaries primaries are essential without primaries you're gonna have a thin profile because all you're going to have is authorized users exactly so people that be hitting me up they'd be like they trade lines trade lines trade lines and I'm always saying primaries primaries primaries but for some reason they think that these trade lines can do so much tray lines is really temporary it's marketing you know what I mean people as Market trade line as a holy grail of credit exactly is that it's like how they've marketed credit bureaus credit bureaus are fake trade lines can assist it's a crutch but people think that they can replace bad credit habits while throwing on a crit a straight line you can't put lipstick on Pig it's still a pig is that like you're right you got to clean this stuff up exactly the business credit how you feel about that business credit is lit so I know a little bit about business credit because it's not my area of specialty I have friends that does the business credit side of it but what people need to comprehend is that business credit is the Holy Grail of credit it does not report to your personal unless you PG it exactly and and the thing about business credit is you can run up a buyer because the factors the factors of your personal credit is not the factors of business credit so when you can max out on a business credit card it doesn't get reported yes right when you can get a 100 or 200 000 line of credit on the business side that doesn't affect you personally what happens and what I've seen I'm not gonna say it's everybody people that are not financially educated that they're not tuning in to this episode on the channel right now right right they they've never seen a hundred two hundred three hundred thousand before they've never seen a credit card with 50 bands on it so now they're going to shopping spree well who's gonna pay for that you use it somebody got to pay for it who's gonna pay for it right but then you didn't create an asset if you went and bought a luxury car is the car being rented and providing you income are we turning liabilities into assets yeah but they just going to press produce Street oh I'm gonna go live my best life I'm gonna go to Mali I'm gonna go to Dubai I'm gonna go everywhere but damn now this credit card is maxed out you didn't generate a stream of income to pay this card back right no you're stuck I know you look stupid because you're gonna say no you know I I took this program and I got the card but no you're coming to me you're saying the rain you know I got a 50 000 credit card and I need to delete it well what did you use that fifty thousand line of credit to do is that it credit isn't the issue it's people's mind yeah yeah my people are destroyed because of a lack of knowledge so if that is true and it is designed this way because remember here's the finance charge it can write it off and then they can send it to collection they're getting paid they will extend these line of credit to you because no all right they can start garnishing people's wages wow because now if let's say they send it to a debt collector right yeah and the debt collector got a judgment and you get summoned to court you didn't go they got a default judgment and then they put in for garnishment right and then you got approved now your whole nine to five paycheck has been dranished by their collectors but guess what people don't know that they don't have to pay debt collectors this is in the law oh so you don't have to pay a debt collect you don't have to it's in the law I'm not saying y'all shouldn't you got to do that listen I only got a high school diploma I'm quite sure some of y'all got phds and Bachelors but I am telling you the law says 15 USC 1692 CC in writing a consumer can refuse to pay a debt collector all right I didn't make it up bro it's in your loss and y'all can go look it up yourself wow that's that's deep y'all so like it's it's it's if I'm a person and I'm loving the information right how do I go and like get into it with you like as far as like you know what do you offer your services all right so my University I I have two calls per week eight calls a month we go anywhere from three to four hours I tell you bro I don't run out of game and this is just the surface right where I have my students we come on we do credit Q A's where I'm breaking the laws down we're building this ruler dude I've built over 50 disputes that are off the dome right right now I can build a dispute letter right on here like so we want to learn how to clean our credit you know and we want to learn how to clean other people's credit we just gotta sign up for your pro correct hey you gonna teach us that and we're gonna be able to get on the phone with you that's what I do well you won't be able to get on the phone with me and I'm being fully transparent guys I run a seventh grade company right right you're gonna get on with my team but you get on the team that first week you're going to be in a car with me you know Zoom okay I'm being transparent I'm telling y'all the zoom is busting I'm breaking everything down and you've got to get on one of those holes with you bro come on it's too easy I just you're a zoom link yeah I'm I'm breaking everything down we dissect the whole lot and what's been so effective is the type of dispute letters you cannot find my dispute letters anywhere on the internet because I dude I made them off the top of the Dome yeah you know what you're talking about too right so so what I did was about two weeks ago I made um an ebook I basically outlined the whole process of how I built the five oh I had a 504 FICO and I took it to 810 three times so in that ebook I'm breaking down the whole steps of what I did when I was deployed I ever the pictures in there I read 140 books bro like people are thinking that you know the rain just overnight it's not overnight it's not people fail to realize that if you want to become the best at something it's going to take time and however to get it you see that's going to cost you it's going to cost you time or you're going to pay someone to learn yeah no for sure and a lot of times people are cheap and they know the price of everything and the value of nothing so then they are stuck with bad credit and they wonder why they live in such an expensive life for sure so sure the ebook on my website is a hundred and ninety seven dollars but for this episode I'll give it to them for forty seven dollars and even though it's 47 for every 10 people that's watching this probably only three will get it and it's okay because guess what if you want to live an expensive life that is your problem but I'm here to tell you the information is here and the oh I never knew and nobody taught me they didn't taught me in school that's an excuse that's a crutch for you not to take action all they got to do is text the word FICO FICO to 917-993-5 two three eight that's it text the word FICO to 917-993-523 and get the ebook it's only forty seven dollars yeah they will be using 47 to buy stupid stuff but sure go educate yourself the last two years I'll spend over 500 000 on personal development branding and education yeah that's smart that's smart this isn't a money grab company I am here to stay no I feel like anybody that's teaching somebody how to do these things is definitely an asset you know what I mean because a lot of people don't know and they can actually take your information and create their own business that's what I teach that's the best thing that's correct what's better than that oh I've been learning how to because like okay you know how many people that they're surrounded by that they can just teach or just fix their credit fix their credit you know what I mean like okay I'm gonna just fix all of my friends credit and charge them you don't have to charge thousands of dollars you could start off charge them some small it's like working the job so that's I feel like that's an asset in this cell bro but remember you know the way we think no people are still trapped in The Matrix so a lot of people are gonna hear what we're saying right now you know Kevin School the rain is cool but I don't believe it's possible for me yes it is all you got to do is get the book it's full 47 read the book thinking is the hardest thing most people never do and if you want to hide something from someone put it in a book but guess what what do what does books have people's years of experience in a book you do my people they are destroyed because of a lack of information the more you read the more you learn the more you earn we gotta get educated we should not keep saying nobody taught me it like when when do you become responsible when do I take accountability for my own education it's so easy to oh I'm a blame Kevo I'ma blame the rain I'm a go blame society bro blame yourself yeah because I'm working hard yeah not getting the right information you know I get it I understand because I deal with a lot of people but also I mean a lot of people would just listen they get excited but they don't take action and life is all about taking action taking a risk just giant it it don't hurt you know what I mean so that is cool though I'm gonna put what I'm gonna do is I'm gonna put all your information like your number yo yo uh YouTube gonna be in the link so that they can all go to your channel and like I said I want to be able to help help people you know what I mean and I feel like what you're doing is helping that's why I was like man let me get bro on the show because it's like I like what you're doing bro you feel me like you going crazy with the credit like I ain't never really seen a lot of people that know the law like you know it bro you know I never did that's big so he didn't even touch repo oh my God that's very important too we got hit it with the repo yo so all right repo I didn't even touch bankruptcy there's so many things I like guys I wish I could give you all this stuff and there's people that got bankruptcy too you know what the the the the double language around bankruptcy is are the double speaking around bankruptcy is it has to stay on your credit for 10 years live yeah I always heard that lies lies lies it is in the law that it could report up to 10 years but when we take into account how did this bankruptcy get on the credit in the first place the first thing is the court store report so if the courts don't report your information where is the information coming from their secondary consumer reporting agency the big ones we know Equifax TransUnion Experian but we got smaller one Sage stream ARS innovis Lexus Nexus MIB um we got a whole lot of small ones that go data diving and they go to these these these sources and they pull information well when you write the clerk of the court and you ask them if they report to any consumer reporting agency they're going to tell you no how I know because I've done it I've written them before right so we're talking now about an entity that went to fish for your information quote unquote public information right but is it really public information or is it identity theft I'm giving y'all all the sauce today all right let me break it down the first thing the law says is this right 15 USC 1681 B2 right permissible purpose a lot of people don't know that the law for permissible purpose just got updated a few months ago there is a new law for permissible purpose and IT addresses the way consumer reported agencies give out and share information or who has access to your information see before they used to give a disclosure the law says the disclosure doesn't work anymore they must have one permission written consent from the consumer and they must have a legitimate business Visa without those two factors or if their government or court or if they got an order for it they can pull it but without those they cannot pull the consumer report and this is what it said in general subject to subsection C any consumer reporting agency May furnish the law says it again they may burnish they don't have to furnish they may furnish right they may furnish a consumer report under the following circumstances right and no other right and two says in accordance with the written instructions of the consumer to whom it relates so if we know that a consumer put an agency cannot share information without written permission so how did Lexus Nexus our sail stream get my public information and then when they got it who gave them permission to share it with another consumer reporting agency hell the law says written permission has to be given right okay let's see what the law says about identity theft the law says 15 USC 1681 Q right it says obtaining information under false pretenses right I'm telling you that when I tell you that we can get anything deleted guys I'm not just making this stuff up you can follow it yourself they say this any person what do we know about the word person we know that a person means a corporation right yeah we know that Experian TransUnion Equifax they're all Corporation any Corporation who will knowingly and willfully obtains information on a consumer from a consumer putting agency under false pretenses shall be fined under Title 18 a consumer reporting agency obtaining information from another consumer reporting agency under false pretenses they can be fined let's go to title 18. so now we're going to go to 18 USC 1028a and this speaks about aggravated identity theft in general whoever during an in relation to anything felony enumerated in subsection C knowingly transfers possesses or uses without lawful Authority a means of identification of another person shout in addition to the punishment provided for such felony be sentenced to a term of imprisonment of two years damn so when they report your alleged bankruptcy who gave them permission who used or transferred your information the law says I want to use the word who knowingly possessed uses or transferred without lawful Authority a means of identification of you how did they know that information belong to you how did they identify you it means they have your information and if someone uses your information without your permission or lawful Authority it is identity theft this is law hell yeah you know you know some stuff bro you won't make me sign up at a class and so hey it's lit man I wanted to ask you another thing um about this how you think what you feel about the secure credit cards and credit loans perfect those are gems because if you're like I said I wasn't born here right I didn't get the opportunity to have a mom or dad put me on as an authorizer to build that relationship so when I started I had to get those I got a secured credit card right I got my 300 limit and I had gotten a 500 um uh secured loan yeah but then I graduated to unsecure and then no by me demonstrating use payback use payback I was able to obtain more lines of credit so if someone is sitting down on a thousand dollars or two or three thousand dollars I would go open up at least three five hundred dollars secured or pledge loans right and then maybe two um secured credit cards that's five primaries you just got exactly if y'all want to know that's exactly how you get primaries the secure way smart right smart there's other things you can use um some of these we have some of the apps yeah some of the app you ever heard of Experian boost yeah experience oh my God that is the worst thing a consumer could ever do remember when a consumer goes to validate a debt oftentimes it's inaccurate information right right well if you're the one who put the Netflix who put the utility and all of this on there and then it goes to collection how are you going to dispute around the inaccurate information when you're the one who validated it by providing the information in the first place it is a trap wow it's all okay I'm gonna give you five points right I'm a of five points but I'm gonna take all the information and you're gonna validate the account by inputting the information yourself exactly come on they are masters of deception wow that's crazy it's a scam guys it's a trap for later on because they know a lot of there's 330 million people in America 165 million people live paycheck to paycheck of those 60 if you're living paycheck to paycheck it means if you got credit cards car loans those stuff are late some of those accounts are in collections you have bad credit and these are the same people that they're targeting to put and verify those information on your report you see every time your report gets pulled from a consumer reporting agencies they get paid so if every time they get paid for the information being pulled if you got bad credit the average person that gets denied applies five more time before they give up I know because it happened to me I'm in shock I don't want to believe it let me apply to five more Banks everybody that I applied to they paid to got the report pulled they are make bad credit is the biggest business in America it all goes back to people having bad credit if that was the case why is it so difficult for you to correct inaccurate information on your credit on your Consumer Report because bad credit and I used to lost it's a big business that was a crazy game bro I can't lie to you sorry for 27 billion Wells Fargo they gotta pay but what people don't comprehend is that they made so much more 3.7 billion was nothing right Bank of America 250 million they got fined for illegal fees late payment fees um low account fees and overdraft fees they didn't go to jail and didn't go to jail but I read a news report about a couple a couple that one of these Banks I don't remember which bank transferred well I'm not sure if you heard about it about a hundred thousand in their account and they used it right they used about like 40 some thousand and now they can't pay it back they're going to go to jail the banks can fraud consumers for billions and all I got to do is pay a fine damn that yeah that's that should show people right there y'all can go look it up this is America is not run by a president it is run by the banking system if I control the world's money I care not what its leaders do that's a Rothschild people think the Federal Reserve Bank is a bank they think it's Federal there's nothing Federal about it and it's not a bank double speaking they have the population believe they are a bank it's a lot of game out here yeah and people because they don't read they don't know right so the biggest one of the other biggest business is ignorance because if if I can take a a group of people erase their history program them to go to school get a job join the 40 40 club 40 hours a week 40 years on 40 of your pension to to get a house now with a mortgage right that that now got securitized and then this got sold on the secondary market and now the person you were paying these mortgage to don't possess the note and the mortgage together but you're still paying them not knowing that the obligation to pay was gone when it got securitized and they do not hold both of them bro it's such a big business it's it's ridiculous the more I learn the more My Eyes Are Open up it's a whole rabbit hole Yeah and it'll make you mad just knowing like what's like gonna make you angry just knowing what they're doing kind of like almost because it's like what you thought you know what I mean and then what you end up seeing later kind of like oh my God I thought this but it's really like this but this is how economic economics and an economy is created if everybody is Rich there is no economy you gotta got you have gotta have poor people right and if we tell our vision if we tell them lies through their vision and control them remotely we can get them to do whatever we want that's why don't work for people like you you are not a consumer you educate yourself you join Mastermind you are a business owner you're an entrepreneur you don't fit the businessman right I pay for mentorships that's why I was going to ask you what do you charge for mentorship so there's two types the university right now is only five thousand dollars right it's only five thousand dollars to join my University and then I have a white label program where I white label my whole business that's for 7 500 and I and I you just have it but if you want me to teach you how to run that business the way I'm running mine now that now is only twenty five thousand I think that 25 000 is worth it if somebody's trying to be just like you you need to it's worth it okay a lot so we're talking about systems Sops Frameworks they're getting websites funnels um text number I'm building out the whole system for them all they got to do is learn how to Market and I teach them how to Market and how to do what I do wow so how do they reach you on like what all what's their like tick tocks and stuff like that like I want you to break it all the way down to all your social medias everything like so my social media it's simple the rain delevante right yeah d-a-r-a-i-n-e-d-e-l-e-v-a-n-t-e on all platforms YouTube Instagram Facebook Tick Tock my YouTube is wild it is my my free content is better than a lot of people's hate courses right right this is crazy right here I can't lie I know this is gonna go up because if if they smart and they listen to what you said they should be able to say like man that's crazy credit bureaus don't exist it's one of the biggest scams ever invented Credit Bureau that's nuts so you got a website too yeah dorindalavante.com okay they can go on there I'm like I said before the FICO ebook mad games and dispute letters in there right so all they got to do is just text the word FICO f-i-c-o to 917-993-5238 and for anybody that wants to join the university all you got to do is text the word university to 917-993-5238 let's get plugged in I'm gonna tell you I don't believe in holding information back because Myron golden I'm not sure if you know him but Myron is my mentor and Myron says the rain if you can't give your best for free you don't know enough is active and that that when he said that to me that hit because I know a lot of people that don't live up to what they say or they can prove what they say and a conversation like this not a lot of people can have the conversation no for sure that's deep so like like y'all know man I'm gonna put all the Bro information in the description everything man I just hope y'all smart enough to go actually sign up man we just y'all see this study happen you know what I mean like and I want bro to be able to just put the world on with this I ain't gonna lie this D bro man I'm telling you the game so we gonna wrap it up though you know you dig we'll see y'all next time

Channel: bandmankevo

Views: 937,123

Keywords: bandman kevo, bandman, EARN YOUR LEISURE, NAAM WYNN, RANTS AND GEMS, saycheestv, fresh and fit, weinmiamipodcast, creditplug, cjsocool, credit report, credit building, credit cleaning letters, late payments, consumer law, bankruptcy, 19keys, eyl, no jumper, fico score, credit file, how to get rich, how to make money, bandman kevo jackboy, bbl, joe biden, voter fraud, election conspiracies, trump rigged election, trump voter fraud, amazing facts, saycheesetv, bandman kevo interview

Id: DFRgxI-7MsM

Length: 54min 24sec (3264 seconds)

Published: Mon Aug 14 2023