Transcript
Speaker: Yes sir. You can start asking questions.
Speaker: Did you It doesn't matter. It doesn't matter. There is no mayor between you and me. okay Mr. Yaşar, what is clean credit?
Speaker: Who is Temiz Kredi? How do you do credit cleaning? Really, what are the credit transactions? Wait a minute. One question. Now, there is Yusuf.
Speaker: In 2003, then. In America... Be it. When I was in Philadelphia, I founded a was working on that It was a nice job.
Speaker: Then I got a call from New Jersey. In the time of Uzakti Vakti The end of 2002, beginning of 2003. all the Turkish companies in the United States.
Speaker: B. We prepare yellow pages
Speaker: Regarding this, Let's work together. Dear? It happened. We received an offer. We said okay, I jumped and went. I was in Philadelphia, we came to New Jersey.
Speaker: We sat down, talked, agreed. I closed my job in the kishikaattom New Jersey. I moved back again. While making these yellow pages in for the yeah part canada I was saying something inside.
Speaker: Ben... What can be done about loans? What can
Speaker: Temizlenince... I said, let's do this. In fact, in the United States, I can offer this service to other people as well. who is met I started to think about infrastructure.
Speaker: When the project is over, I set up Temiz Kredi. It is a company that has been established to clean the stained information in credit reports.
Speaker: And the website is temizkredi .com We have been doing this since 2003. Okay, right here. The question to be asked is is credit cleaning? Is it really being cleaned? Yes This is a question that really needs to be asked.
Speaker: I am always in touch. Is the dirty information in the credit report really being cleaned up? Is the credit score rising? Now... I have to point out this. There is dirty information in credit report. True.
Speaker: There is no such thing. This stained information... Sometimes there may be wrong information. Except for your knowledge. Senin A piece of information that I did or didn't do.
Speaker: It enters as contaminated information in the credit report. or knowingly I mean, I don't know if I should say it, but because of a mistake I made to you, a late payment. You paid 10 days late, you paid 20 days late, you forgot to pay your credit card, you forgot to pay your car, you forgot to pay your mortgage, you really entered the credit report as late payment.
Speaker: In America, the State He has worked on this for a long time. and made laws. buan on la church In credit upon The contaminated information in the credit report Real. or even if it is real, it doesn't matter what it is.
Speaker: These laws need to be reported to the credit report within the framework. When these laws come out of the framework, Even if the information is true. Kanuni. by using our rights We can extract this dirty information from the credit report.
Speaker: <unk>ra porofima a common church of us In Their movements are limited. Laws are with us. By using these laws,
Speaker: We get this kind of information from the credit report. How much does this credit cleaning process cost? Good question. They ask this a lot too. First,
Speaker: We don't have a magic wand in our hands. So we take our hand and We don't have a luxury like erasing all the faulty information in the report all at once.
Speaker: In Kansas. These operations had other even if it is for our benefit. The laws... to credit reporting firms, He has other rights that he has given to credit cards and financial institutions.
Speaker: The most obvious and most... The credit report companies, credit cards, If banks and financial institutions are in any demand, as a way of turning back 30 days Research and investigation.
Speaker: 30 -day investigation period. They use it for 30 days.
Speaker: They can answer on the 30th day.
Speaker: Posta. It takes at least 45 days for a process to be done when you add the post in 10 -15 days. to get the answer to that process. Every process we do is positive. There is no chance of getting an answer.
Speaker: Maybe the men...
Speaker: Minimum What I can say based on
Speaker: If there is it can last up to 2 -3 years. If there is no inflation... It takes 1 -1 .5 years. In some cases, it can be between 6 months and So long.
Speaker: A little while ago You told me a little bit but I... I want to make it more detailed so that the viewers can understand.
Speaker: Which contaminated information are you cleaning? So what is contaminated information? The most common stain information is...
Speaker: stained information. geç ödeme. late payment These can be your credit cards, car... It can be a it can be a car payment, it can be a personal loan. When all of these come together, they are late payments. Pay me on the 15th of the month.
Speaker: Make a minimum payment and I will accept your payment. But if you don't pay the minimum the month,
Speaker: According to the operating system of that bank, He can immediately report it. It can be reported within 30 days. When it enters that report, it enters as a late payment. This is the most harmful information we come across.
Speaker: The second most common color information is from collection companies. Collection companies are also If you haven't paid the debt, to credit card Telefona to the internet. ah When you can't pay your debt anywhere, after a certain period of time, this company He himself It does not go from the way to establish it.
Speaker: How do they sell this to call action companies? To get this money. They are working. These collection companies enter the credit report as negative information. This is the second most common thing we encounter.
Speaker: Another colored information. Charge off. or write -off. These are from places like credit cards.
Speaker: stained information, When you can't pay... You can't pay for 30 days, 60 days, 90 days. They give you a fee. They want to take this money from you until 150 days, until 180 days.
Speaker: between 90 days and 120 days. They close the They report it to the credit report as a -off. This is another kind information.
Speaker: There is is a leaky information. Foreclosure is more of the houses. As a result of not being paid and the bank to deal with it
Speaker: These are rare times. Repossession is when cars are not paid. car of the bank... This is another thing. stained information.
Speaker: Everyone knows bankruptcy. This can also be There are also inquiries, which we call inquiries. These are not stained information.
Speaker: But the information that decreases the credit score. These are also... Because it lowers the it stops in the credit report. It doesn't make much sense. We take them out too. All of these are stained information that we work on.
Speaker: Chris.
