Submitted by Anonymous on Thu, 09/27/2007 - 04:41.
Expert Credit Repair & Debt Reduction "How To" Guides
Legally Remove Negative Credit From Your Credit Report – Without Hiring a Credit Repair Company
Get items deleted that are inaccurate, unverifiable and outdated – permanently.
HINT: Inaccurate, unverifiable, and outdated items can also include negative items that really do belong to you.
You can get items deleted once you have the right information and proven strategies that will beat the credit reporting system (that is stacked against you) the credit bureaus and your creditors don’t want you to know about.
Who Do Credit Bureaus Work For?
You may be surprised to know that the credit bureaus don’t work for you, the consumer. The truth is the credit bureaus work for the lenders and your other creditors.
Since the credit bureaus work for the lenders and not you, there’s really no incentive for any of them to report accurately. Maybe that’s why, according to a government accountability office study, 80-90% of credit reports contain serious errors on them.
Myths About Dispute Letters
You may have read that you could easily remove those negative items from your credit report by simply disputing the items with the credit bureaus.
You may have even written the credit bureaus a nice letter explaining the error and probably even sent them proof.
In your mind you see the credit bureaus receiving your letter, reading it and immediately jumping into action.
In reality, what actually happens is your letter is scanned into a computer system and sent to third party companies located overseas like the Philippines.
The overseas workers then fax or email your lender a single page letter asking them to investigate themselves.
The lender never gets to see the proof you sent and there’s no one investigating the lender.
The lender will check their records to see if they sent the data correctly. They don’t care if it’s right. They just check to see if the data was entered correctly.
If so, then they mark it verified and you get a letter that says the information was verified. If they don’t do this within 30 days, you have a chance of getting the item deleted without a fight from the credit bureau – but you should count on a fight.
The Strategy That Does Work To Get Deletions and Corrections
If you want permanent results you have to go after the source, in other words, the creditor or collection agency.
The key is knowing the proper sequence of disputes to send, knowing what to say and who to say it to. If you do that, you’ll see your negative items get deleted and permanently.
That is what our recommended Credit Report Audit System teaches you do.
The expert and author of this DIY credit repair system has put together a step-by-step instruction guide that he developed after he spent over 12 months interviewing former executives from the major credit bureaus, lending institutions, collection agencies and even FICO.
He studied their businesses inside and out to find the flaws in their systems. Using this information he created a blueprint to exploit their weaknesses. After years of testing, he has perfected the process.
He uses the Credit Report Audit System in his own credit repair business having helped thousands of clients over the years remove every kind negative credit item there is.
DIY - A Very Affordable Option
The expert and author of the Credit Report Audit System knows that everyone who needs help to restore their credit does not have the budget to hire his personal services at $1,500. So he developed the DIY guide that anyone serious about restoring their credit can afford.
Credit repair law firms charge you $39 to $99 just to set up your account, then another $79 to $99 per month. That’s over $1k a year. Many people pay this kind of money for years with minimal results.
However, you can have fast, real results with the Credit Report Audit System for a fraction of what those useless services charge.
Now I Want You To Watch A Brief But Important Video
I want you to watch an important video from the expert and author of the DIY system as he shares more details about the program.
You’ll also be able watch a handful of videos as individuals tell you their personal case studies of great success with the Credit Report Audit System.
And you'll also see actual credit reports with line items stating DELETED.
You’ll see how quickly you can get results and how you can substantially raise your credit score, like David Perry did. (He is one of the video case studies.)
David increased his credit score from a 620 to a 731 in just 3 weeks even though two other credit repair services couldn’t help him.
When you click on the link below, you will be asked to enter your email address to get access to the videos I want you to watch and more details on getting started with the Credit Report Audit System. I did this myself, so don’t worry about doing this – the information is really worth it.
Click on this link to get access to the important videos and more details on the Credit Report Audit System
P.S. Excellent credit can be yours in a matter of a few short weeks
If you have been hit by the economic downturn, had unexpected medical bills and the like, that have affected your ability to pay your bills on time or have caused you to get your car repossessed or even lose your house to foreclosure, then you need this information to restore your credit.
Click on this link to get access to the important videos and more details on the Credit Report Audit System
Best wishes
Ultimate Debt Guide
“The Best Get Out of Debt System In History!”
says Emily Rodgers of Salt Lake City, UTAH
All I can say is Thank You!
I had $28,035 in Credit Card Debt spread out on 4 separate cards and was having trouble keeping up with the minimum monthly payments.
I was desperate for an answer before I found your site.
Your information is great and I'd have to say its "The Best Get Out Of Debt System In History!"
Thanks to your help I'm now out of debt and it only took me 4 months!
########
“I thought the only way out of debt was bankruptcy...until I found your course!”
says John Paulson of Erie, PA
When I finished college I had a lot of unpaid bills such as student loans and credit card debt piling up.
And since I was having trouble finding a job, just making the minimum payments was hard enough.
I thought the only way out of debt was to file for bankruptcy!
Thankfully I didn't because when I investigated further and found your course I realized that would have been the worst choice I could've ever made.
Thanks for everything and I look forward to living a debt free life.
Get Out Of Debt FAST Without Filing Bankruptcy Or Signing Up For A Long-Term Debt Repayment Plan Which Could Take You Years To Pay Off!
Click Here Now To Learn More About The Ultimate Debt Guide
Your Ultimate Deletion Tool: Sue the Credit Bureaus, Creditors or Debt Collectors in Small Claims Court
Small Claims Is Fast, Cheap and IT WORKS
If the credit bureaus, your creditors or debt collector’s fail to delete your derogatory accounts and you’ve documented the incidents of their violating the law (like you were instructed to do in The Credit Secrets Bible), this is your final step to get justice.
You’ll benefit in two important ways when you win in court:
1. You’ll get the derogatory accounts deleted from your credit reports.
2. You’ll make some sizable bucks for each violation committed. At $1,000 per violation, it could add up.
It won’t cost you an arm-and-a-leg to hire an attorney because you’re going to sue them in Small Claims Court, the “people’s court.” You'll file some forms and pay a very small filing fee.
Small Claims Court is quick and easy
You are allowed in most states to recover damages from $3,000 to $7,000, which is usually an ample amount to sue. Some states allow even larger sums, like Tennessee, that allows you to sue up to $15,000 in Small Claims Court.
This will really work
You are using the law. If you have documented the violations, it’s pretty cut and dried that you will win and the amount of the fines and your right to them is spelled out explicitly.
Most debtors and certainly the credit bureaus are unprepared for such attacks, and will usually settle with you to avoid having to go to court. You will either receive a monetary judgment or get a creditor to do things your way!
Good Credit is Sexy will teach you exactly what to do to win in court against those nasty creditors! This information is not taught in The Credit Secrets Bible guide, so you’ll need this resource to complete your conquest.
Good Credit Is Sexy has a lot of other valuable information. It's an eye-opener to help you avoid costly mistakes when dealing with finance companies, mortgage lenders, credit card companies, Consumer Credit Counseling Services, student loans and more.
This is bonus information on top of the instruction on how to sue your creditors you'll find in Good Credit Is Sexy
Get items deleted that are inaccurate, unverifiable and outdated – permanently.
HINT: Inaccurate, unverifiable, and outdated items can also include negative items that really do belong to you.
You can get items deleted once you have the right information and proven strategies that will beat the credit reporting system (that is stacked against you) the credit bureaus and your creditors don’t want you to know about.
Who Do Credit Bureaus Work For?
You may be surprised to know that the credit bureaus don’t work for you, the consumer. The truth is the credit bureaus work for the lenders and your other creditors.
Since the credit bureaus work for the lenders and not you, there’s really no incentive for any of them to report accurately. Maybe that’s why, according to a government accountability office study, 80-90% of credit reports contain serious errors on them.
Myths About Dispute Letters
You may have read that you could easily remove those negative items from your credit report by simply disputing the items with the credit bureaus.
You may have even written the credit bureaus a nice letter explaining the error and probably even sent them proof.
In your mind you see the credit bureaus receiving your letter, reading it and immediately jumping into action.
In reality, what actually happens is your letter is scanned into a computer system and sent to third party companies located overseas like the Philippines.
The overseas workers then fax or email your lender a single page letter asking them to investigate themselves.
The lender never gets to see the proof you sent and there’s no one investigating the lender.
The lender will check their records to see if they sent the data correctly. They don’t care if it’s right. They just check to see if the data was entered correctly.
If so, then they mark it verified and you get a letter that says the information was verified. If they don’t do this within 30 days, you have a chance of getting the item deleted without a fight from the credit bureau – but you should count on a fight.
The Strategy That Does Work To Get Deletions and Corrections
If you want permanent results you have to go after the source, in other words, the creditor or collection agency.
The key is knowing the proper sequence of disputes to send, knowing what to say and who to say it to. If you do that, you’ll see your negative items get deleted and permanently.
That is what our recommended Credit Report Audit System teaches you do.
The expert and author of this DIY credit repair system has put together a step-by-step instruction guide that he developed after he spent over 12 months interviewing former executives from the major credit bureaus, lending institutions, collection agencies and even FICO.
He studied their businesses inside and out to find the flaws in their systems. Using this information he created a blueprint to exploit their weaknesses. After years of testing, he has perfected the process.
He uses the Credit Report Audit System in his own credit repair business having helped thousands of clients over the years remove every kind negative credit item there is.
DIY - A Very Affordable Option
The expert and author of the Credit Report Audit System knows that everyone who needs help to restore their credit does not have the budget to hire his personal services at $1,500. So he developed the DIY guide that anyone serious about restoring their credit can afford.
Credit repair law firms charge you $39 to $99 just to set up your account, then another $79 to $99 per month. That’s over $1k a year. Many people pay this kind of money for years with minimal results.
However, you can have fast, real results with the Credit Report Audit System for a fraction of what those useless services charge.
Now I Want You To Watch A Brief But Important Video
I want you to watch an important video from the expert and author of the DIY system as he shares more details about the program.
You’ll also be able watch a handful of videos as individuals tell you their personal case studies of great success with the Credit Report Audit System.
And you'll also see actual credit reports with line items stating DELETED.
You’ll see how quickly you can get results and how you can substantially raise your credit score, like David Perry did. (He is one of the video case studies.)
David increased his credit score from a 620 to a 731 in just 3 weeks even though two other credit repair services couldn’t help him.
When you click on the link below, you will be asked to enter your email address to get access to the videos I want you to watch and more details on getting started with the Credit Report Audit System. I did this myself, so don’t worry about doing this – the information is really worth it.
Click on this link to get access to the important videos and more details on the Credit Report Audit System
P.S. Excellent credit can be yours in a matter of a few short weeks
If you have been hit by the economic downturn, had unexpected medical bills and the like, that have affected your ability to pay your bills on time or have caused you to get your car repossessed or even lose your house to foreclosure, then you need this information to restore your credit.
Click on this link to get access to the important videos and more details on the Credit Report Audit System
Best wishes
Ultimate Debt Guide
“The Best Get Out of Debt System In History!”
says Emily Rodgers of Salt Lake City, UTAH
All I can say is Thank You!
I had $28,035 in Credit Card Debt spread out on 4 separate cards and was having trouble keeping up with the minimum monthly payments.
I was desperate for an answer before I found your site.
Your information is great and I'd have to say its "The Best Get Out Of Debt System In History!"
Thanks to your help I'm now out of debt and it only took me 4 months!
########
“I thought the only way out of debt was bankruptcy...until I found your course!”
says John Paulson of Erie, PA
When I finished college I had a lot of unpaid bills such as student loans and credit card debt piling up.
And since I was having trouble finding a job, just making the minimum payments was hard enough.
I thought the only way out of debt was to file for bankruptcy!
Thankfully I didn't because when I investigated further and found your course I realized that would have been the worst choice I could've ever made.
Thanks for everything and I look forward to living a debt free life.
Get Out Of Debt FAST Without Filing Bankruptcy Or Signing Up For A Long-Term Debt Repayment Plan Which Could Take You Years To Pay Off!
Click Here Now To Learn More About The Ultimate Debt Guide
Your Ultimate Deletion Tool: Sue the Credit Bureaus, Creditors or Debt Collectors in Small Claims Court
Small Claims Is Fast, Cheap and IT WORKS
If the credit bureaus, your creditors or debt collector’s fail to delete your derogatory accounts and you’ve documented the incidents of their violating the law (like you were instructed to do in The Credit Secrets Bible), this is your final step to get justice.
You’ll benefit in two important ways when you win in court:
1. You’ll get the derogatory accounts deleted from your credit reports.
2. You’ll make some sizable bucks for each violation committed. At $1,000 per violation, it could add up.
It won’t cost you an arm-and-a-leg to hire an attorney because you’re going to sue them in Small Claims Court, the “people’s court.” You'll file some forms and pay a very small filing fee.
Small Claims Court is quick and easy
You are allowed in most states to recover damages from $3,000 to $7,000, which is usually an ample amount to sue. Some states allow even larger sums, like Tennessee, that allows you to sue up to $15,000 in Small Claims Court.
This will really work
You are using the law. If you have documented the violations, it’s pretty cut and dried that you will win and the amount of the fines and your right to them is spelled out explicitly.
Most debtors and certainly the credit bureaus are unprepared for such attacks, and will usually settle with you to avoid having to go to court. You will either receive a monetary judgment or get a creditor to do things your way!
Good Credit is Sexy will teach you exactly what to do to win in court against those nasty creditors! This information is not taught in The Credit Secrets Bible guide, so you’ll need this resource to complete your conquest.
Good Credit Is Sexy has a lot of other valuable information. It's an eye-opener to help you avoid costly mistakes when dealing with finance companies, mortgage lenders, credit card companies, Consumer Credit Counseling Services, student loans and more.
This is bonus information on top of the instruction on how to sue your creditors you'll find in Good Credit Is Sexy
