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Do It Yourself Credit Repair
Credit Secrets is an easy to follow manual that shows you the loop holes and details regarding fixing bad credit, removing negative items that are on your credit report, and adding the elements you want creditors to know about. If you've had late payments, repossession, or even filed bankruptcy, this guide is your ticket to getting your credit report back on track.
You'll learn everything you need to know to repair your own credit, including:
- The Inside Secrets of Credit Repair
- Six Credit Card Secrets Banks Don't Want You to Know
- How to Establish AAA Credit in 30 Days
- What to Do to Stop Collection Agencies in Their Tracks!
- How to Wipe Out Debts WITHOUT Bankruptcy
- Guerrilla Tactics that will Give You a Good Credit Rating
- How to Dispute Credit Report Errors
- Sample Credit Repair Letters
Get on the right track to Credit Repair today.
How to Dispute Current Credit Card Charges
You can dispute current charges on your monthly credit card statement. To dispute current charges:
- Make a copy of your current credit card billing statement.
- Circle the item you are disputing.
- Write a short letter indicating why the charge is in error.
- Send your letter and the copy of the billing statement to the customer service department. Their address is on the billing statement--either on the front or back.
They will normally remove the charge from your next statement. You will have to contact the vendor who made the charge to resolve the problem.
How to Remove Negative Items on Your Credit Report
There are basically three ways to remove items on your credit report to help repair your credit.
- You can dispute items on your credit report. This may or may not remove the item from your report.
- Arrange with your creditor to pay off the debt in exchange for them requesting the credit bureaus to remove the negative item.
- Pay off the debt and wait (up to 7 years) for the item to be dropped.
In addition, a bankruptcy can remove negative items, but the bankruptcy itself can remain on your report for 10 years.
In addition, you'll want to establish a good credit history by making small loans, paying off your credit cards, paying your utility bills--all on time. A good current credit history of several years can be more important to credit grantors than bad credit items that are older.
Removing Disputed Items From Your Credit Report
You must first obtain a copy of your credit report. You may need to obtain copies from all three credit reporting agencies. Identify the item(s) in dispute. Make sure the creditor agrees you do not owe for this item. Get written documentation of this from the creditor if possible. Write a letter to each credit reporting agency whose report contains an inaccurate negative item. Include their credit report with the item circled or hilited. Indicate that the negative item should not be included on your report and indicate why. Include written documentation from the creditor if available. Keep a written log of all conversations and correspondence regarding this issue so you can detail the history in future communications. Two Methods that Help You Dispute Items on Your Report
 - For a Powerful One-Time Upgrade of Your Credit Report
Lexington Law is a Law Firm specializing in credit report repair. They have helped over 80,000 Americans improve their credit scores by removing inaccurate, misleading, or unverifiable information from their credit reports. "It's amazing what a letter from an attorney can do!" The Lexington Law Firm is member of the online BBB and offers consumers a performance warrantee. From bankruptcies to charge-offs to tax liens, Lexington Law Firm has challenged virtually every credit problem under the sun and deleted over 600,000 such items to date. Lexington Law's service is backed by a warranty which entitles you to some or all of your money back if enough disputed items aren’t deleted. Put simply, they don’t believe you should have to pay for ineffective service. "If we can’t deliver, you’ll be reimbursed."
- Do It Yourself Credit Repair
This involves contacting the credit agencies to dispute items on your credit report. You will also have to deal with creditors who have reported delinquencies or missed payments.
There will be a lot of record-keeping and negotiation involved. This can be a slow drawn out process for an individual without experience.
Additional Resources
The Attorney's Guide To Credit Repair. -- Best Sales Conversions Ever. Site designed to make big commissions for my affiliates.
The Best Selling Credit Repair Package. -- Great seller quick turn around. High payout.
Credit Repair & Collection Agencies. -- Credit Repair & Debt Collections Help For Consumers.
Free Consumer Information! -- We offer these report packages: The Garage Sale Handbook, The Credit Repair Package and The Education Package.
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You will learn:
- Why moving credit card balances to low interest credit cards can save you money (page 52)
- How to use consolidation loans wisely (page 50)
- The three ways to pay down your credit card balances and which is best for you (page 69)
- How you can make "interest" work for you (page 17)
- How advertising influences you to spend more money and what you can do about it (page 10)
- Why the rich get richer and the poor get poorer and how you can move to the rich side (page 17)
- How the "Can I afford the payments?" culture has changed the way you think about credit and debt (page 22)
- Why banks are not necessarily your friend (page 23)
- Why written goals will save you money and how you can start writing your own goals (page 30)
- The only type of plastic cards you should carry (page 35)
- How to live like a millionaire for less than you think (page 24)
- The importance of budgeting and making targeted spending goals with easy to follow examples (page 36)
- How to create a personal budget (page 61)
- How to contact your creditors to reduce your interest rates (page 74)
- What to watch out for with credit counselors (page 77)
- How you can earn more money than you do now (page 82)
- All the resources you need (page 104)
- ... and a whole lot more
You Need this Free Credit Card Debt Help Resource
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Credit Card Debt Help
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