Late Payment Removal

LATE PAYMENT REMOVAL A 609 LETTER DON’T STAND A CHANCE AGAINST THIS EXPRESS LATE PAYMENT REMOVAL GUIDE www.mcintoshcreditsolutions.com

Copyright 2021 All rights reserved. This book or any portion there of may not be reproduced or used in any manner whatsoever without the express written permission of the publisher. Except for the use of brief quotations in a book review. This book can be printed out for your personal use. | www.mcintoshcreditsolutions.com

No more waiting 30-60 days for that response from that certified mail letter you sent out. this eBook will walk you through the express late payment removal to help you get those late payments removed quickly. | www.mcintoshcreditsolutions.com

STEP 1 First you will need to find the creditor company CEO email. See on page 7 and 8. If you don't see the creditor company name, simply do a google search (Name of company + CEO email). If you can't find the CEO name or email, try LinkedIn. If you still don’t the company CEO email: Go to rocketreach.com and create a free account to search the email ADDRESSES here's a quick hack: Don’t add the m at the end of com i.e. ([email protected]) | www.mcintoshcreditsolutions.com

STEP 2 Use the Goodwill Email Template. feel free to Customize each email to your circumstances. please note: Do not attached the goodwill email template as an attachment, paste the Good will letter in the body of the email please note: NOTE: If you have more than 4 late payments and your account is going into collections or a charge off account due to late payments, then use the goodwill email letter and change the verbiage and ask them to remove the account from your credit report. | www.mcintoshcreditsolutions.com

STEP 3 The email subject should say “Goodwill Adjustment Request” STEP 4 Please wait for a response, they will respond within 48- 72 business hours by email with confirmation of your email. Some CEOS will call you to let you know they have removed your late payments so be sure to look out for any out of state or 1-800 phone calls during this time. | www.mcintoshcreditsolutions.com

STEP 5 Bonus Steps: Aggressive Method so Of course, you probably aren’t getting the Results you’re looking for, but with this Process I am going to release to you, I Only teach this in my coaching program. But let’s go If the bureaus nor creditors have responded With the late payments removed the next Steps is filing a complaint with the CFPB Here’s the website: https://www.consumerfinance.gov/ Next you want to go to where it says submit a complaint. Following after that click where it says start a complaint & click continue. | www.mcintoshcreditsolutions.com

It will look like this Then you will be on the next page where these are what you want to Highlight | www.mcintoshcreditsolutions.com

Then you will see another message asking if you have tried to fix the problem “Say Yes” And click Continue | www.mcintoshcreditsolutions.com

The next pages will be where you put in your complaint and what your resolutions should be and make sure to add the creditors and bureaus that are reporting those late payments so your report on there and sit back and watch the magic happiness. With this process it’s an 80% Consumer favor just because the CFPB is always on the consumer side � | www.mcintoshcreditsolutions.com

CAPITAL ONE [email protected] CAPITAL ONE [email protected] EXPERIAN [email protected] EQUIFAX [email protected] TRANSUNION [email protected] NAVIENT [email protected] DISCOVER [email protected] PRA GROUP [email protected] GENERAL MOTORS [email protected] NORDSTROM [email protected] SANTANDER [email protected] SPRINT [email protected] JP MORGAN/CHASE [email protected] AMERICAN EXPRESS [email protected] APPLE [email protected] WELLS FARGO [email protected] CITI [email protected] BANK OF AMERICA [email protected] NAVY FEDERAL [email protected] US BANCORP [email protected] US BANK HOME [email protected] USAA [email protected] | www.mcintoshcreditsolutions.com

KIA MOTORS [email protected] MERCEDES FINANCIAL [email protected] LEXIS NEXIS [email protected] BARCLAY BANK [email protected] SYNCHRONY FINANCIAL [email protected] FIRST PREMIER [email protected] FORD MOTOR [email protected] ALLY FINANCIAL [email protected] CITIZENS BANK [email protected] | www.mcintoshcreditsolutions.com

GOODWILL EMAIL TEMPLATE Your name Your address: Account number: Date: to whom it may concern: Thank you for taking the time to read this letter. I’m writing because I noticed that me most recent credit report contains a late payment reported on “date” for my capital one credit card account. I want you to know that I understand my financial obligations, and if it weren’t for “insert reason (hardship, etc.)”, I’d have an excellent repayment record. I made a mistake in falling behind, but since then, I’ve made my finances a priority and have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one. since then, I’ve had a spotless record of on-time payments. I’m planning to apply for a “insert mortgage, loan, etc.), and it’s come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesn’t reflect me creditworthiness and commitment to repaying me debts. it would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment in “insert date”. thank you for your consideration, and I hope you’ll approve me request. Best, Your name | www.mcintoshcreditsolutions.com

SECOND METHOD Use this method only: If you simply cannot Find the company Email or CEO email. Go the company Facebook business Page or LinkedIn and Message them the Goodwill letter Through messenger. | www.mcintoshcreditsolutions.com

Q&A Q: WILL THIS METHOD WORK ON ACTIVE ACCOUNTS? A: YES, THIS METHOD WORKS GREAT ON YOUR CURRENT AND OPEN ACCOUNTS. Q: HOW WILL I BE CONTACTED? A: THEY WILL EITHER CALL YOU OR EMAIL WITH THEIR RESPONSE, SO TRY TO LOOK OUT FOR ANY UNFAMILIAR NUMBERS. Q: WHAT IF I HAVE MORE THAN 5 LATE PAYMENTS ON AN ACTIVE ACCOUNT? A: THIS METHOD WORKS FOR 3-5 LATE PAYMENTS. IF YOU HAVE MORE THAN 5 LATE PAYMENTS STILL INCLUDE ALL OF YOUR LATE PAYMENTS IN THE LETTER. Q: WILL THIS WORK FOR AN ACCOUNT THAT IS PLACED FOR COLLECTION WITH LATE PAYMENTS? A: IF YOUR ACCOUNT IS PLACED IN COLLECTION, I WOULD DISPUTE THE ACCOUNT FOR REPORTING INACCURATE INFORMATION REGUARDING LATE PAYMENTS. A COLLECTION ACCOUNT SHOULD NOT INCLUDE LATE PAYMENTS ONCE ITS IN COLLECTIONS. | www.mcintoshcreditsolutions.com

Q: WILL THIS WORK WITH MORTGAGE COMPANIES? A: YES, I RECOMMENDED GETTING IN CONTACT WITH THE CEO OF THE MORTGAGE COMPANY AND LETTING THEM KNOW YOUR SITUATION. Q: WHAT IF I CAN'T FIND THE COMPANY CEO'S EMAIL? A: IF YOU'RE UNABLE TO FIND THE CEO EMAIL, I WOULD REACHING OUT BY SOCIAL MEDIA OR YOU CAN MAIL THE LETTER TO THEIR ADDRESS. LATE PAYMENT REMOVAL Q: SHOULD I INCLUDE MY CONTACT INFORMATION IN THE EMAIL? A: YES, DEFIANTLY INCLUDE THE BEST CONTACT EMAIL AND CONTACT FOR YOU. Q: I SENT THE EMAIL BUT I HAVEN'T GOT A RESPONSE FROM THEM YET? A: IF YOU HAVE NOT RECEIVED A RESPONSE FROM THEM YET, YOU CAN ALSO FAX THE LETTER OR MAIL THE LETTER TO THE COMPANY ADDRESS. MAKE SURE TO ADDRESS THE CEO IN THE LETTER. | www.mcintoshcreditsolutions.com