Complete Guide to Credit Repair and Credit Management
This very complete and powerful guide will not only help you fix problem credit but will teach you how to manage credit to your benefit. This is a step-by-step method to managing your credit report and credit Score.
- You will learn how to replace bad credit (or no credit) with excellent credit in as little as 30 days in some cases.
- Then you will learn how to protect and manage your credit, and to use credit wisely and profitably.
- Almost anyone can move their their credit score to a substantially higher level in a very short time.
These are the same methods used by attorneys and credit consultants with three exceptions:
- It isn’t going to cost you between $400-$3500.
- It covers more options
- By doing it yourself you will learn a lot of valuable things about maintaining a good credit score.
Here is the first step for free:
STEP 1: To begin, you will need a current copy of your (3) credit reports. It is important to note that there is more than one credit reporting agency, so make sure you get a copy from each. Some creditors may report to one agency but not another. (Just because something doesn’t show up on a credit report from one bureau doesn’t mean it isn’t reported on another.)
It is a little known secret that you are entitled to a free annual copy of your credit report. Also, any time you are within 30 days of being turned down for credit you are entitled to a free copy of your credit report.
However, applying for credit and getting turned down shows up on your report as an inquiry that did not result in credit. It is a black mark that stays on your report for 90 days. To avoid this, take advantage of the free report you are entitled to under State and Federal law.
The credit agency will require ALL of the following information:
- FULL NAME,
- ADDRESS,
- SOCIAL SECURITY NUMBER,
- DATE OF BIRTH,
- SEX
- OCCUPATION/EMPLOYER.
The free report typically does not include your FICO or credit score. If you want that you may have to pay a small fee, and I don't recommend this until much later in the process of credit upgrading.
The three major credit bureaus are:
EQUIFAX
EXPERIAN
Order Credit Report: 888-397-3742
To Report Fraud: 888-397-3742
Internet address - www.experian.com/
TRANS UNION
Once you have copies of your credit profile you'll want to continue the steps outlined in this guide. You will learn
- How to understand the codes used on your reports.
- 7 critical points to know and apply when beginning to correct your credit entries.
- How to deal with derogatories that rightfully belong to you.
- How to get creditors to reverse or remove their negative reports.
- How to deal with past or present collections.
- A powerful tool to counteract stubborn creditors.
- Understanding the logic of the reporting system and how to use it to your advantage.
- Common misconceptions about the credit reporting system and the counter-intuitive steps you should be taking.
- How to get a higher FICO score and how to keep it high.
- How to establish credit when none exists.
You'll be amazed to learn what helps your credit and what hurts it. If you think it's just a matter of paying your bills on time, you're missing the largest part of what effects your credit score.
The most frequent comment I get is, "I had no idea! No wonder I never could get my score to where I wanted it."
Here are other frequent comments I hear,
- "I'm in charge now."
- "Getting my credit score up has saved me more money than I imagined it could."
- "This report made the whole process understandable and easy."
- "Thanks!"
Order Credit Reports: 800-888-4213
Report Fraud: 800-680-7289
Internet address - www.tuc.com/
Order Credit Report:800-685-1111.
To Report Fraud: 888-397-3742.
Internet address - www.equifax.com/
