Well yes and no.  They have to be professional and not some standard letter.  Do you know how many of these form letters the credit bureaus get.  Thousands a day. 

I have put together forms that are 100% Guaranteed to work.  They are not some form letters that we used to laugh at.  These are letters you can't get anywhere on the internet.  They are mine from years of experience working at a credit bureau.   They use the wording and threats the credit bureaus care about.  I will give you forms that will make the credit bureaus remove items just because they don't want the problems of a civil suit.  

Give me a few minutes to tell you why these forms are one of a kind.

Retail Price: $97.00

Your Price: FREE

Did You Know:

1) Under section 15 U.S.C. § 1681s of the FCRA, a wronged party may collect $1000 for each willful or negligent act which results in the violation of the FCRA. Any person may file suit in local court to enforce the FCRA.  I will show you how to use Credit Dispute letters to make the credit bureau's remove items just because they don't want to go to small claims court.

2)  In 2000 the Federal Financial Institutions Examination Council (FFIEC) clarified guidelines on re-aging accounts for delinquent borrowers.  I will show you how to use Credit Dispute letters to take advantage of this legally

3)  There are "soft" and "Hard" Inquires on your report.  I will show you how to remove them with Credit Dispute letters.

4)  Due to conflict of interest all credit report disputes go through a company called OSCAR.  I will show you how to use Credit Dispute letters to take advantage of this fact.

Remember if you Have any Problems You Can Always Email Me for Support.  I Take Credit Repair Very Seriously.

5) Some fraction of consumer credit reports contain errors. A study released by the U.S. Public Interest Research Group in June 2004 found that 79% of the consumer credit reports surveyed contained some kind of error or mistake.. As a result, many consumers frequently invoke their rights under the FCRA (Fair Credit Reporting Act) to review and correct their credit reports.

6) VantageScore is the name of a new credit rating product that is now being offered by the three major credit bureaus (Equifax, Experian and TransUnion). The new product was announced by the three bureaus on March 14, 2006. It is essentially a way for the three bureaus to rival the current dominant player in credit scores (Fair Issac with their "FICO Score").  I will show you how to use Credit Dispute letters to take advantage of this.

7) Unlike FICO’s traditional 300 to 850 scale, the VantageScore goes from 501 to 990

8)  All incoming letters to the credit bureaus are categorized using a point system rating of importance.  I will show you how to have your letters score high.

The First Question I get from everyone wanting to repair their credit is:

Should I use a law firm to Send Dispute Letters and Repair my Credit?

My Answer is always Absolutely NO.......Here's why

1) These so called law firms don't care about your credit at all.

2) You pay them monthly.  Do they really want your credit to get better.  Then they lose the monthly income.  This would not make any financial sense at all.  They want to delay any credit repair as long as possible.  They will try and string you along by getting an inquire removed.  The average customer will stay paying the monthly fee for 6 months.

3) They are dispute mills that don't work

4) You do all the work and they send out some generic letter

5) The credit bureaus know these companies and get thousands of letters from them.  They file them under frivolous challenges.  I know I used to do it

6)If you got thousands of form letters from a company every day wouldn't you send them back a form letter.  We at the bureau knew the law firms just wanted the longest delay possible.  Why? So they can make the most money of course.  It is sort of like one hand washes the other.  Unfortunate but absolutely true!

If you use one of these so called law firms you will see little if any response from the credit reporting agencies.  In a few months you will have realized you have wasted your time and  money.

Well Enough Facts Lets get Down to Business

Ok, Lets start at the beginning.  Recently you have probably found out your credit is not the greatest. It might not be your fault or it might be. 

Your looking around the internet trying to get someone to repair your credit or perhaps you are thinking about doing it yourself.

I first started working in the credit business many years ago.  My first job was working as a loans officer for a national bank.  My job was to get financing for people with very shaky credit.

Much of my pay was commission based.  This really drove me to help people get the loans they needed.  The only way to do this was to rapidly increase their credit score.

At first this seemed impossible but after a chance encounter with a man named Tom Bradley things started to change.  Tom worked at a national credit bureau and we met at a business convention about mortgages.

Tom showed me many techniques on (TM)Rapid Rescoring and Quick Credit Repair Techniques.  Well because of my success at funding these hard to get loans I was given a promotion to loans manager.

Me a Tom stayed in touch and a few years before he retired he got me a job at his credit bureau.  When I first got there I was very surprised at how high up in the company he was.  He took me under his wing and that's when school got kicked into high gear. 

We worked 12 hour days and every second Saturday.  Talk about a lesson on the credit industry.  He showed me things that would be the difference between someone losing their house or not.  It was very powerful stuff.

I could go on and on here about my experience working as a credit bureau manager or how I was a loans officer for 6 years but I won't bore you with all the details.  This really is not about me anyways.  It's about you and your credit.  You can choose to believe me or not...

Privacy Policy

Last updated: July 2008

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