Recommended CreditRepair 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

Threatening to write a complaint letter to the FTC or Attorney General is NOT EFFECTIVE    Though widely promoted in other courses and on the internet, writing a complaint letter to the FTC or the attorney general will fall on deaf ears. The regulators already know exactly what’s going on. The fact that massive regulatory enforcement has not happened against the credit bureaus should be proof enough the system doesn’t serve the consumer’s interest first – it serves corporate interests first. To their credit, the FTC does go after abusive debt collectors on occasion.   The Credit Secrets Bible teaches you a much better method, namely, to make FACTUAL DISPUTES whereby specific facts must be verified and to document their violations to build leverage against them. This is the method that works best.

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

(Date)

RE: Dispute letter of (insert date), Follow-up Letter of (insert date)

NOTICE OF INTENT TO FILE COMPLAINT

To whom it may concern:

This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law.

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated (insert date), as well as a follow-up letter, dated (insert letter). To date, you have not complied under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. You will be held accountable.

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission (see 15 USC 41, et seq.). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. TransUnion Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days ago and again 40 days ago:

Name of Creditor/Agency, Account #_____________

If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intent to seek redress in civil action, for recovery of damages, costs, and attorney's fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response required under the law.

You are futher directed to supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.

Sincerely,

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