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

Why this type of dispute letter is NOT EFFECTIVE    This is one of the worst things consumers can do, unless the account is really not yours.  If you say the item is not yours and it’s a lie, the credit bureaus can use this against you later, especially in court.     Plus, verifying that the account is yours is extremely easy.  Verifying specific facts are not as simple.  This makes the creditor do some work, and if they decide not to respond to the credit bureau’s investigation, the item gets deleted.  If erroneous information is verified, you can legitimately follow-up with more disputes. You'll also start to build your leverage against them.   The Credit Secrets Bible teaches you a much better method, namely, to make FACTUAL DISPUTES whereby specific facts must be verified. This is the method that works best.

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

(Date)

RE: Account #________________

To whom it may concern:

I have recently received a copy of my credit report. The report had an account listed from your company as a credit card. I disputed the account with the credit bureau as "not mine" but it recently cam back as verified.

I am writing this letter to you in an effort to get this removed. Please delete your information from my credit reports. I have never had an account with your company. If someone has opened an account in my name, please close it immediately before further harm is done.

I am requesting that you notify all credit bureaus that this account is "disputed" or that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act.

If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents.

This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me.

Sincerely,

(Your signature)

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