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 Name and Address Here)

(Date)

RE: Account #________________

To whom it may concern:

I am writing to dispute the validity of the above referenced item pursuant to the Fair Credit Reporting Act. The Fair Credit Reporting Act requires you to verify the validity of the item within thirty (30) days. If the validity cannot be verified, you are obligated by law to remove the item.

In the event tha you cannot verify the item pursuant to the Fair Credit Reporting Act, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use the to bring appropriate action against you.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act.

I look forward to a speedy resolution of this matter.

Sincerely,

(Your signature)

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