My Book is FREE



 If You Can Spare 10 Minutes a Month, You Can Delete Negative Marks From Your Credit Yourself.

 

 I Will Teach You How For FREE!!

My book is FREE for the first 5000 people who download it, after that its going to be for sale for $89.99. I have 12 years of experience in credit repair and I have included all of my tools in 1 easy to understand book. My book is free for you to have, all I ask for is a feedback on your results and how your experience was repairing credit...that's it.

Credit repair is a very easy process once you know where to start. This process is not taught in any school or revealed by the credit bureaus, it mostly comes from trial and error and many long hours of research.

 

If you know how to fill out a credit card application you can start repairing credit. The truth is that all this information is on the web, but it is not explained the right way in my opinion or there is always a catch for their information that they are giving.

 

I have put some information on my site for you to understand the basics and to see how easy it is. Once you get my free book I have everything in detail from where to start and how to dispute your negatives.

 



This is The Basics on How Easy Credit Repair is. You Will Get My Step by Step Instructions on How to Remove Nagatives From Your Credit The Real way in my FREE Book.



1st Step



 The first thing you have to do is pull your credit report from all three bureaus, once you have done that go ahead and mark all of your negative items.  
 

2nd Step



Transfer the negative items to the dispute letters we have provided, make sure you write the account name and number exactly as it appears on your credit report.

 

Make sure to look at which accounts are reporting to which bureau, all 3 bureaus report separately, meaning not every account reports to all 3 bureaus.

 

3rd Step



You need to include a copy of your driver’s license and social security card. If you have an address change, please include a utility bill (gas, water, cable). 

 



3rd Step



Once the disputes have been sent it, you should wait about 30-45 days for your

updates. They will send it out by mail.
 
As soon as you have your updates and there are items still reporting negatively, you need to resend the dispute letters out just like step 2 and 3, this time minus the ones that have been deleted. You will continue this until everything is deleted or you are satisfied with your score.



In 2001 I use to charge $350 per negative tradeline to take it off the credit report using this same method, and it WORKS!!!

 

In 2001, when I first got into credit repair I had to spend a lot of money on research and on attorneys for me to operate the right way as a legal credit repair business. I charged $350 per negative item, so if a client had 10 negatives (which they all did) the fee was $3,500 per case if not more.



The reason I was very successful in my credit repair business is because I knew what worked and what did not work in removing negative from the credit report. And after 3 months of me opening my doors to my new business, I was getting 50 clients a week, and that was just in referrals. I got referrals because people saw results.



» Bad Credit?

You can make changes yourself! My eBook will give you the tools needed to improve bad credit, not only for youself but you can provide this service for others as well. These are the techniques that the Credit Bureaus don't want revealed. 

They Hype of Credit Repair Companies

Many credit repair companies use the same process; this also goes for attorneys that advertise credit repair. They all act on your behalf, so what does that mean? It means whoever does your credit repair from credit repair companies or attorneys, basically send letters to the 3 major bureaus making it seem like it came from the consumer, they don’t want the bureaus to know that you have hired a 3rd party company.


When a negative item such as a collection that belongs to you, how is the credit Repair Company or attorneys going to prove that it does not belong to you? The answer is very simple; all they do is mail out a letter asking the bureaus to verify the account with the creditor.

 

Note: Once a dispute is sent out to the bureaus, they will try to verify it with the creditor, the creditor has only 30 days to verify, if the creditor fails to verify the negative item, the negative mark needs to come off the report by LAW. This process works well if you are using the right forms.

Many credit repair companies use the same form for all of ther clients and they mail it in all at the same time. This is a big RED FLAG from the bureaus.



How Many Points Will You Gain if You Use Our System?

There is no way anyone can tell you how many point you will gain by repairing your credit.


Every negative has its own different affect on the Fico score, for example if you have a new late payment reporting on your credit, chances  it will affect your score by 80 points, but in time the 80 points will be going down when it gets older. After 4 years it may affect only 20 points, so it all depends when the negative was reported on your credit and when it came off of your report for you to regain the points back.





Mistakes people make in credit repair

  • Failing to dispute with the credit bureaus FIRST. Don't first send disputes to the credit card, collection agency or mortgage companies. Always dispute your negatives with the credit bureaus before doing anything else. In the first credit bureau dispute, 10-20% of all items fall off. Get the easy stuff first.
  • Disputing items online. Never do this! You will not have any written records of your dispute (the return receipt). You will not be able to send documentation backing up your dispute. If you are disputing errors in your name, SSN or address, you have to send your request in writing any way.
  • Failing to document your efforts. The credit bureaus must respond to you within 30 days or the item must come off. If you don't keep track of when the time is up, you are missing an important advantage. Keep track of when you send and receive letters. You should also make sure you send your disputes certified mail, return receipt requested.
  • Being unrealistic. If your credit report is in bad shape, there isn't a quick fix; credit repair takes time, usually from 6 months to a year. Patience is required to see results.
  • Giving up. The process seems overwhelming at first, especially if you are new to credit repair. Take one step at a time. You don't have to do everything at once. Do things a few days or a week apart. Don't spend more than an hour at a stretch doing anything.



Once You Remove a Negative Will it Come Back?

Once you remove a negative from your credit report the right way, they are not allowed to re-report the same negative back on your credit, it also does not matter if you owe money on collection accounts.



Our Book is FREE!!!

Before you pay anyone or wait until your negatives fall off on their own, try our method first, it is the same process that many credit repair companies use to repair their clients credit, it is yours for FREE!!!