Bdmonist
656 posts
Go get them Cookie!
Dunedin Blue Jays@DunedinBlueJays
Blue Jays No. 11 prospect Jake Cook (and his 80-grade speed) have arrived🏝️
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Great to see a pic of these two @SouthernMissBSB guys on the field together again today. @MonistereNick @etzel34
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you can dispute every single account on your credit report
all of them
17 collections. 4 charge-offs. 31 late payments. 2 repos. 1 bankruptcy
55 negative items total
"you can't dispute everything at once, they'll flag you as frivolous"
wrong. you can. here's what happens:
day 1: sent 55 individual dispute letters
one letter per account. one to each bureau. that's 165 letters total
every letter said the same thing:
"I dispute this account. Please provide the method of verification used, the name and contact of the person who verified, and all documentation used in verification"
certified mail. return receipt. costs you $380 in postage
"that's insane"
$380 to potentially delete $127,000 in debt is the best ROI in history. keep reading
day 14: first responses
Equifax sent back a form letter for 12 accounts saying "verified as accurate"
but they didn't answer your actual question. you asked HOW they verified. they just said "we verified"
that's not legal. FCRA Section 611 requires them to describe the procedure used to verify. "we verified" is not a procedure. it's a sentence
sent follow-up letters:
"Your response did not comply with FCRA Section 611(a)(6)(B)(iii). You failed to provide the method of verification. I am requesting reinvestigation"
day 30: the massacre begins
TransUnion deleted 9 accounts. just gone. couldn't verify them
Equifax deleted 6 on first round. 4 more after your follow-up challenging their garbage "verified" response
Experian deleted 11 accounts. they're actually the worst at verifying because they outsource disputes overseas
day 30 count: 30 out of 55 items deleted on round one
day 45: round two
sent new disputes on the remaining 25 items. different language this time:
"Previous investigation was inadequate. Provide original signed contract, complete payment history from origination to current, and proof of proper notification of delinquency"
asking for MORE documentation than the first round. different investigator reviews it. different result
day 60: round two results
14 more deleted
running total: 44 out of 55 items gone
day 75: round three (the kill shot)
11 items remaining. for these you go nuclear:
filed CFPB complaints for each one
"Bureau failed to conduct reasonable investigation. Two previous disputes returned 'verified' without providing method of verification. Requesting supervisory review"
CFPB complaints get escalated to a senior team, not the overseas dispute farm. these people actually look at your file
day 90: final count
items started with: 55
items deleted: 49
items remaining: 6 (legitimate, recent accounts you actually need to address)
deletion rate: 89%
credit score impact: 471 to 684 in 90 days is typical with this method
the 6 remaining items? you settle them for pennies on the dollar with deletion agreements. the rest fall off at the 7 year mark
"but disputing everything is frivolous"
no. disputing things without a legal basis is frivolous. asking bureaus to prove their verification method is your legal right under FCRA. for every account. there's no limit
the bureaus WANT you to think disputing more than a few items is suspicious. that's propaganda to keep their workload down. the law says you can dispute anything, anytime, for any reason, as many times as you want
the people with 3 collections sitting there disputing one at a time over 18 months are playing the game wrong
dispute everything. overwhelm them. make THEM prove every single account. most of them can't
once your report is clean? 700+ score unlocks $100K to $250K in 0% business funding. every item you leave sitting on your report is money you can't access
(i dispute everything on your report simultaneously and delete it all in 30 to 90 days. link in bio if you're tired of doing this one account at a time)
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@RolfOptions I’d like to buy two copies for my boys for Xmas. Is it available now?
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Coming soon on Amazon.
Advanced Reader eCopies being distributed to pre-launch reader groups.
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I blew multiple accounts and lost thousands buying options.
But I figured it out and turned 50k into 350k in 6 years.
If you’re new to option selling, I put together a list of pearls I wish I had from the start.
It led to my first $100K year in trading.
You can have it for FREE.
Just like and commend “trade” below 👇
(Must be following)
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𝟐𝟎𝟐𝟓 𝐁𝐀𝐒𝐄𝐁𝐀𝐋𝐋 𝐑𝐄𝐄𝐋
Excited to finally share this. This past season was unforgettable, and I’m so grateful for the opportunities, the people I met, and the stories I was able to tell. Thank you Southern Miss Baseball.
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@paradisemint @DividendBreeder This is probably the worse advice I have ever seen. Quit paying for your health insurance. Seriously. Have some responsibility.
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Quit paying your insurance. It is a scam.
Next time you go to the doctor tell him you’re uninsured and will have to pay cash. Bet your bill is around $125
Never let the doctors office know you have insurance if you feel like must keep it. That is like putting a great big SUCKER sticker on your forehead. Submit the forms to your insurance and have your insurance pay you directly.
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My daughter recently had an ear infection.
Took her to the doctor, who prescribed an antibiotic.
That doctor visit cost $244. My insurance covered $60, so we owe $184 out of pocket.
I pay $556/month for family health insurance.
Something seems broken.
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@SBGsox @MonistereNick Thanks to @SBGsox for all you guys did to support Nick through the years. What a great organization to get kids to to the level they deserve. Not a single regret.
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Congratulations to USM/SBG MS Prime 22 INF, Nick Monistere, on being drafted by the Houston Astros as the 126th pick in the 2025 MLB Draft!
@MonistereNick
sbgsox.com
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@wannabefresh I looked at their holdings, they are buying puts and selling covered calls. Limits upside just as the other CC ETFs, but seriously limits downside. Was that their change in strategy in March? What are your thoughts on that strategy particularly?
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🔔 Getting flooded with questions about $ULTY lately since it's all the rage right now.
Most of the concerns center around whether this recent momentum is sustainable, especially when you compare it to the drop since inception. People are wondering if it’s a real shift or just a short-term run.
Here’s the thing: @YieldMaxETFs has evolved.
Yeah, the first year had bumps. $TSLY was the guinea pig, even went through a reverse split. But that’s what early stage businesses go through: growing pains.
These funds should be viewed like any startup. You don't judge a business by its first quarter, you watch how it pivots, adapts, and scales.
Are they learning? Are they adjusting? Are they showing up when it matters?
For $ULTY, I still want more time and data. 3 months isn’t enough. But the chart’s improving, and I consistently see the fund managers showing up in interviews, X spaces, with full transparency and not afraid to answer retail questions. That alone gives me more confidence than half the ETFs built by silent giants.
DYOR. Always.
Treat your investments like you would a business or real estate. You wouldn’t blindly throw cash at a house or startup without doing your homework. Why would you with these funds?
Build with intention. Stack with strategy. Freedom isn’t luck, it’s learned!
Resurfacing this thread I posted about ULTY a few weeks back, it’s a deeper dive for those looking to really understand the details. 👇
x.com/wannabefresh/s…
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@Eagleup23 @11point7 Lol. I totally missed those two words in his post. All I read was regional.
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The final conference tallies from Regionals and Super Regionals
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