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:

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

The following information, therefore, needs to be re-investigated. I respectfully request to be provided proof if this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible.

Name of Creditor/Agency, Account #__________

The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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

Under federal law, you have thirty (30) days to complete your re-investigation. 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 fifteen (15) days of the completion of your re-investigation.

Sincerely,

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