Our Credit Restoration Process
At Tinae's Financial Group, we use a 3-step system in order to effectively dispute derogatory remarks on your credit report.
We dispute:​
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Medical Bills, Phone Debt, and Cable bills
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Car Repossessions
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Evictions
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Child Support
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Student Loans
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Credit Card Debt
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Tinae's Financial Group also offers a number of products and services provided by creditbroker.com. These products consist of:​
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Personal Loans (even for those with bad credit)
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Car Loans Up to $60,000
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Unsecured and Secured Credit Cards
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Credit Builder Accounts
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Business Credit Accounts
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Online Merchant Credit Up To $7500
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The credit restoration professionals that we have at Tinae's Financial Group work diligently with clients to ensure that they apply for the proper trade-lines. Our process takes an average of 6-8 months and our billing cycle ONLY LASTS 3 MONTHS ($100 per month - There will be a $125 registration fee in order to start the process). This means that you will not be continuously billed compared to what other companies are doing. We believe in saving our clients the extra money to ensure that the bills are paid and that their credit is restored. Our total price for the service is $425.
'[+For quicker access to view our trade-lines, click the link below!​
***Note: We are paid a commission for recommending products and services that are provided by CreditCardBroker.
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What Method Can You Use To Remove Collections from Your Credit Report?
Removing collections accounts from your credit report can sometimes become tedious and frustrating. The good news is that Tinae's Financial Group is here to provide you with a few tips that can help get you started!​
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A debt validation letter is a crucial tool in managing and disputing debts. When a debt collector contacts you, you have the right to request validation of the debt to ensure it’s legitimate and accurate. Here are some tips for effectively handling debt validation letters:
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1. Request Validation Promptly
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Timing: Send your debt validation request within 30 days of receiving the initial communication from the debt collector. This is your right under the Fair Debt Collection Practices Act (FDCPA).
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2. Include Essential Information
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Identify Yourself: Include your full name, address, and any reference number related to the debt.
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Request Details: Ask for specific details about the debt, such as the original creditor's name, the amount owed, and any documentation that proves you are legally responsible for the debt.
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3. Keep It Professional and Concise
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Clear Language: State your request clearly and professionally. Avoid unnecessary details or emotional language.
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Example Request: "I am writing to request validation of the debt referenced in your letter dated [date]. Please provide detailed information regarding the debt, including the name of the original creditor, the amount owed, and a copy of the original contract or agreement."
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4. Send It via Certified Mail
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Proof of Receipt: Use certified mail with return receipt requested. This provides proof that the collector received your letter.
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5. Keep Copies
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Documentation: Make copies of the debt validation letter and any related correspondence for your records.
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6. Understand Your Rights
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Legal Framework: Familiarize yourself with the FDCPA, which gives you the right to request debt validation and requires debt collectors to cease collection efforts until they provide the requested information.
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7. Wait for a Response
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Verification Process: The collector must respond to your request with validation or cease collection efforts until they provide the requested information. If they do not respond, they cannot legally pursue the debt further.
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8. Review the Response Carefully
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Check Accuracy: Ensure the information provided is accurate and that you recognize the debt. If the collector fails to provide proper validation, you can dispute the debt with the credit bureaus.
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9. Dispute if Necessary
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Error Correction: If the debt is incorrect or not yours, dispute it with the credit bureaus and the debt collector. Provide any evidence you have that supports your claim.
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10. Avoid Acknowledging Debt Unnecessarily
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Do Not Confirm: Until you have validated the debt, avoid acknowledging or agreeing to the debt. This could be seen as accepting responsibility for it.
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What Can You Do To Challenge Evictions and Repossessions?
Dealing with eviction or car repossession is never easy. At Tinae's Financial Group, we are committed to assisting clients who have faced challenges with unfair landlords, income loss leading to eviction, or vehicle repossession due to financial strain. We have effective solutions to help you navigate these difficulties.
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Debt Validation Process
To address your situation, follow these steps:
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Send a Validation Letter: Start the debt validation process by sending a validation letter to the collection agency. Click the link below to download a free debt validation template.
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Important Guidelines:
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Never Admit to the Debt: Avoid admitting that you owe the debt when communicating with lenders. They may use tactics to get you to acknowledge the debt.
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Do Not Call Collection Agencies: Inquiring about a debt over the phone can unintentionally validate it, resetting the 7-year period for when the account would fall off your credit report.
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Wait for a Response: After sending the validation letter, wait up to 30 days for the agency to respond with their findings.
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Review for Inaccuracies: Highlight any inaccuracies in the agency's response. Request signatures for any agreements made; if there are no signatures for the lease or car purchase agreement, the Credit Bureau may remove the derogatory remark from your credit report.
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Negotiating the Debt: If the documentation is valid, you will need to negotiate the debt. Be sure to ask for a deletion of the account in exchange for payment. If you don’t make this request, the account may be marked as "paid in settlement" rather than being deleted.
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Click the link below to download a FREE debt validation letter template.