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Thank you everyone for tuning in once again to the survivors guide to modern credit YouTube channel if you haven't done so already please don't forget to subscribe we're going to have some great information flowing through this particular station so make sure you stay in tune today we're going to talk about removing late payments and specifically dealing with disputes and how disputes work and how to get late payments updated adjusted or removed, so I thought it would be effective to build a dispute letter from scratch that way everyone out there can get an idea of how to do it, and you know I think the challenge today is going to be how to do it as quick as possible okay, so I'm going to actually tie myself to see how quick we can do this dispute letter all right now remember letters like this and others can be found in a survivor's guide to modern credit there's a plethora of different dispute letters and objection letters to have Corrections and adjustments made to a credit profile okay so keep that in mind so here we go let's begin I'm going to just go ahead and open up my Word document go to a new document here oops alright let's just start a new document okay so first thing we like to do with the letter is we'd like to address who it's coming from and who it's going to, so this would be your name let's say you're disputing a deck and for all Tencent purposes we're going to say what chain go okay NJ goal is and one two three any straight and that's anytime in California and put our zip code now one thing that the credit card companies employee to do is identify yourself in your letter, so they require that you reveal your social security number as well as your date of birth okay so the name that you want to put down on this letter is going to be the name that's associated with your credit report so if you have a current copy of your credit report look at your credit report and see how it's reported in the personal information section of your credit report you want to mimic that okay you're not going to put your nickname here you're not going to put what your mum your mother calls you your Uncle Joe calls you're going to put the name at the credit report to know us and you're going to put the address that the credit reports have for you the most recent address if you can help it okay obviously if you've moved all right then you know you have to put the address that you live at now alright but use the same information they have it makes it much easier for processing the next thing I want to say is put your social security number here and also your date of birth okay so right here alright, so there's your social, and then you put your date of birth here all right okay all right, so now we have an idea of whom this is coming from okay now we need to know who it's going to now in the survivors guide to modern credit you have a handy little cheat sheet that's in the guide, and it's called credit bureau addresses and contacts so if you click on...