Start with getting your 3 credit reports and 3 FICO scores from www.myfico.com. Once you received and analyzed the information – follow these 5 steps (1) Late records. Call your lenders and ask them to remove the late records in exchange of you making the payment. Or just say that you don’t recall being late. It may be as simple as a phone call. (2) Settle with lenders. Negotiate that they will remove the bad records from your file retroactively instead of just reporting the debt as “paid in full”. The original creditor has the power to do this (completely dismiss all bad records related to the account). Also important is to get their promise in writing before you pay them. Usually it is a signed letter on a letterhead sent to you via fax. (3) Dispute with cras. Do this by writing letters, providing proof – and sending them via certified mail so that you will have a confirmation of delivery for your file. If you do it right – the agencies will have to verify the facts and remove mistakes in no more than 30 days. In the guides on our web site ( www.101creditrepair.com ) we provide sample letters and explain the tactics. (4) Get more positive records – ask the lenders or vendors with whom you have good standing to send good information about you to credit agencies, or simply give you letters which you can forward to credit agencies yourself. This tactics is usually overlooked – but it is effective in shifting your good-to-bad balance. (5) Reduce your revolving debt-to …
Bernice
-
Archives
- February 2012
- January 2012
- December 2011
- November 2011
- October 2011
- September 2011
- August 2011
- July 2011
- June 2011
- May 2011
- April 2011
- March 2011
- February 2011
- January 2011
- December 2010
- November 2010
- October 2010
- September 2010
- August 2010
- July 2010
- June 2010
- May 2010
- April 2010
- March 2010
- February 2010
- January 2010
- December 2009
- November 2009
- October 2009
- September 2009
- August 2009
- July 2009
- June 2009
- May 2009
- April 2009
- March 2009
- February 2009
- January 2009
-
Sites
-
Meta
Mike
Some states (i.e. Massachusetts) require Credit Reporting Agencies (equifax, experian, TRW, TransUnion) to provide you with your Credit Report FREE once a year.
Travis
excellent information
Tommy
Very helpful!
Catherine
Superb and detailed content. Should be charging for this.
Claude
This stuff rocks.. It is just 5 minutes but it is really packed with the stuff which you need (even if you don’t care about your score!)
June
Makes sence. Thanks!
Kathy
Very important information!
Roy
Now I’ve watched all ten of these videos on credit repair. This is excellent.
Frederick
Thanks for the information.
Harvey
Very useful info.Thanks, Lev.
Terri
very practical!
Ronald
In such a difficult situation it is important to get some clear explanation how to handle it. THANKS A LOT!!!
Nicole
Useful. Thank you.
Marlene
Interesting point
Wilma
Awesome !
Tamara
I wish I knew all this half a year ago. Thanks for sharing.
Bessie
These are some excellent ideas.
Jacob
Great content !
Julie
Very interesting. A lot of information and food for thought. Thanks.