Recommended Credit Repair Guides

Legally Remove Derogatory Accounts bankruptcies, slow pays, collections, tax liens, judgments, evictions, etc See Credit Secrets Bible

Sample  Dispute or Deletion Letters that don’t get “red flagged” like 94% of what the credit bureaus get.  Info not found on the web or taught by any other credit repair course See Credit Secrets Bible

Overwhelmed with Debt Use 5 unique letters to pay off bills for 35-cents on the dollar. Avoid BK, avoid hiring a debt consolidation service See Credit Secrets Bible

Sue Your Creditors Use the Law. Get even with stubborn creditors, collection agencies.  Collect $1,000s in fines See Good Credit is Sexy

Get Rid of Debt Collectors  Stop them dead in their tracts using the law See Credit Secrets Bible

Add Seasoned Credit in 45 Days  Get up to $20K of unsecured credit and up to 20 years of credit history See Credit Secrets Bible

STOP Foreclosure or recover a home after foreclosure using special consumer protection laws. Get even with your mortgage company See Credit Secrets Bible

The verification process of the 3 credit bureaus is joke     They have collaborated through their trade organization to automate the entire re-investigation process using an online computer program.     Your dispute is given a 2-digit ID code simplifying the disputes to something broad like “not his/hers” – no matter how much documentation you enclose.  The bureaus do not convey the full dispute or forward any of the documents to the furnishers.      As a result, nearly all consumer disputes are VERIFIED AGAINST THE CONSUMER.     So when your dispute comes back verified, what do you do next?  Give up?  That’s what the bureaus hope you do because you don’t know the law.        If you had The Credit Secrets Bible you would know what to do next to get results.

(Your Name and Address Here)
(Creditor Dispute Department and Address Here)

(Date)

RE: Account #___________

To whom it may concern:

Your company is currently reporting a negative listing to the three major credit bureaus, Experian, TransUnion and Equifax, regarding the above referenced account. Based on my recollection and my records, I cannot find a reason for you reporting such a history. If you will review your records, I think that you will find your reported notations are inaccurate.

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account:

A copy of the original credit application showing the terms of the agreement. A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. Copies of all documents and financial instruments used to pay the disputed late payments. Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. Copies of all documents sent to me regarding my account.

This information and documentation is critical and time is of the essence. Within less than thirty (30) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty (30) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below.

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I request that you submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto.

Sincerely,

(Your signature)
(Print your name here)
(Print your address here)
(Your SSN here)