cierra rosa 🌸

[SAY CHEESE! 👄🧀 @SaycheeseDGTL]

Rylo Rodriguez responds to Offset saying Rylo won’t sale more than 10k units

[Historic Vids @historyinmemes]

Michael Jordan playing ping pong while Larry Bird casually drinks beers behind him during the 1992 Olympics in Barcelona.

A 1992 image shows Michael Jordan playing ping pong while Larry Bird stands nearby, offering a relaxed glimpse into one of the most celebrated squads in sports history. During the Barcelona Olympics in Barcelona, the U.S. “Dream Team” united NBA icons who were far more accustomed to facing each other than sharing the same locker room.

Jordan’s intense competitive mindset carried beyond basketball, with teammates often recalling how he turned even casual moments into contests. Bird, by contrast, was in the final stage of his career and dealing with lingering back issues, contributing a more reserved, low-key presence. Despite coming from different eras of the NBA, both players played a role in elevating the global profile of basketball during those Games.

[hunter @hxxntrr]

You disputed a collection 6 months ago and it got deleted from your credit report

This morning you woke up and it's back

The collector sold the debt to a new company and the new company reported it as a brand new account. Your score dropped 60 points overnight on a debt you already killed

This is called zombie debt and it happens to 1 in 5 Americans who successfully dispute a collection

The original collector deletes the tradeline after your dispute. They eat the loss on their books. Then they sell the debt portfolio to another buyer for half a cent on the dollar. The new buyer has no record of your dispute. No record of the deletion. No record that you exist beyond a line on a spreadsheet that says "owes $4,200"

The new buyer reports it as a new collection. The bureau accepts it because it's technically a different company reporting. Your credit score treats it as a new negative event

The law is explicitly against this. Under FCRA Section 611(a)(5)(A):

"If the reinvestigation does not resolve the dispute, the consumer may file a brief statement. If after the deletion, the information is reinserted, the agency shall notify the consumer within 5 business days of the reinsertion and provide the name and contact information of the furnisher"

Translation: if a deleted item reappears, the bureau MUST notify you within 5 business days AND provide the new furnisher's information. Most bureaus violate this requirement constantly. The item reappears and you don't find out until you check your report 3 months later

The nuclear response to zombie debt:

Step 1: the moment you see a previously deleted item reappear, send a dispute citing Section 611(a)(5):

"This account was previously deleted from my credit report on [date] following a dispute. It has been reinserted without the required 5-business-day notification under FCRA Section 611(a)(5)(A). This reinsertion is a violation of federal law. Delete immediately and provide the name, address, and phone number of the entity that re-furnished this information"

Step 2: send a separate letter to the NEW collection agency:

"You are reporting an account that was previously deleted from my credit file after an FCRA dispute. The reinsertion of previously deleted information without meeting the requirements of Section 611(a)(5) is a federal violation. Cease reporting this account to all bureaus immediately. Additionally, I dispute this debt under FDCPA Section 809 and demand full validation including the original signed agreement, complete payment history, chain of ownership, and proof that you acquired this debt with the legal right to collect"

Step 3: file a CFPB complaint citing the reinsertion. CFPB tracks reinsertion complaints separately and the resolution rate is extremely high because the bureau knows the reinsertion rules and knows they likely violated them

Step 4: if the item isn't removed within 30 days, contact an FCRA attorney. Reinsertion violations are some of the easiest cases for consumer attorneys because the proof is simple: the item was deleted (old report shows no item), the item reappeared (new report shows item), and the bureau didn't notify you within 5 days. Open and shut

Settlement values on reinsertion cases: $2,000 to $5,000 for straightforward violations. $5,000 to $15,000 if the reinsertion caused provable harm (denied mortgage, higher auto rate, denied apartment)

A client had a $7,600 Discover charge-off deleted in February 2025 after a 611 dispute. In August 2025 a company called "Portfolio Recovery Associates" reported the same debt as a new collection. Client was never notified of the reinsertion. Score dropped from 718 to 661

We sent the reinsertion dispute, the direct letter to Portfolio Recovery, and filed CFPB complaints against both the bureau and the collector. Collection deleted in 16 days. CFPB investigation resulted in $1,800 settlement from the bureau for failure to notify

The debt died in February. It crawled out of the grave in August. We killed it again in September and got paid $1,800 for the trouble

Deleted means deleted. If it comes back, the law pays you for the inconvenience. The bureaus just hope you don't know that lmfaooo

(i fix credit in 30-90 days. link in bio)

[cierra rosa 🌸 @screwci]

Only video that can even compete with “I wanna bang bro” 🤣🤣🤣

[Spinnin Backfist @SpinninBackfist]

The Dustin Poirier arrest video will be used as a meme in the MMA world forever.

A video you’ll never forget.

@MountainDew #DoTheDew

[Spinnin Backfist @SpinninBackfist]

The Dustin Poirier arrest video will be used as a meme in the MMA world forever.

A video you’ll never forget.

@MountainDew #DoTheDew

[Championship Rounds @ChampRDS]

Sean Strickland pulled up to training in this shirt today 😭

[cierra rosa 🌸 @screwci]

!!!!!!!!

That’s what y’all allow on your platform @paramountplus @ufc

[Keith Blanchette @KeithStephenB22]

Fuck Josh Hokit for what he said about Michelle Obama. He's a racist Piece of shit, who will get his Karma one day. #UFCFreedom250 #UFC250

[Robert Griffin III @RGIII]

This Topuria -Gaethje fight is an absolute BANGER. #UFCFreedom250

[Jay Henry @jay_h3nry]

Ilia Topuria just retired on the stool before the start of Round 5……..

One of the greatest upsets in history….

Justin Gaethje is officially undisputed Lightweight Champion
#UFCFreedom250

[cierra rosa 🌸 @screwci]

@mikehoffmann Course

[Theodore @gaeybriyel]

THANK YOU LORD MERCURY RETROGRADE IS OVER I'M SO FUCKING DONE WITH EVERYTHING I'VE BEEN THROUGH

[cierra rosa 🌸 @screwci]

Not us being told on like this lol

[cierra rosa 🌸 @screwci]

Insane!!!!! Just when I thought my respect and love for Dustin couldn’t grow anymore lol

[Happy Punch @HappyPunch]

Dustin Poirier revealed he asked for Ilia Topuria for his final fight but the UFC said no 😅

“When Ilia said he was going to 155, I texted the UFC and said, ‘Hey, let me know what’s going on with this guy.’ They told me it’s not happening…”

[Spinnin Backfist @SpinninBackfist]

When I see Tom Aspinall get ripped in half by the gorilla and it locks eyes with me next:

[cierra rosa 🌸 @screwci]

lol no fr!!! I forgot anything else even existed but dark mode lol

[cierra rosa 🌸 @screwci]

Built these two gems off of @CodyBrownBets research yesterday, just added a little to it, thank you ❤️❤️❤️