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right so once you find your credit card debt or your any kind of third-party collections which is where you have debt and then somebody sells that debt to a collector thats a third-party collection and you can remove that from your credit report with no letters just online disputes this is very important intriguing information here okay so then once you re once you um go ahead and find that debt on there you want to click dispute and then once you go once you get to this dispute screen theres going to be two steps the first step is to select the reason for the dispute the reason you want to select is other the reason why youre selecting other is because you wanted to pull up a informational box where you put more information into that into that box so once that box pops up then you want to so you want to type in in all caps no contract then you click submit the reason why it deletes this