My Score Raised almost 200 Points in only 71 days!! Learn more...
While
many people would love for you to believe the only thing that can
fix bad credit is time; in reality... nothing could be further from
the truth. The fact is, time is only one factor which can fix a
credit report, but it's a far cry from being the only factor. How
can I back this up? Easy.
Under
a consumer protection law known as the Fair Credit Reporting Act
(a.k.a. the FCRA) the only negative information which can remain
on your credit report is not what is accurate... but what can be
proved as accurate under the FCRA. What's this mean to you?
It
means any negative item on your credit report can only remain there
if it is accurate and CAN BE PROVED AS SUCH under the guidelines
of the FCRA. This undisputable fact presents consumers with both good news and bad news.
The
good news is that through the FCRA your credit score can most likely
be improved dramatically in a very short period of time with only
a modest amount of effort on your part.
The
bad news is that while the actual "work" will take very
little of your time, it is vital that you have good information on "how"
to go about it. This is the bad news; 9 out of 10 courses on restoring
your credit will do nothing more than lead you into snake pits because
they will provide you with what the industry refers to as "Boiler
Plate" dispute letters. These are nothing more than form letters
and... quite frankly (more bad news) the Credit Bureaus and Creditors
will laugh at you if you try to use them.
However,
use the right letters from a valued credit repair book source and
you can Do-It Yourself the right way and with the correct templates
for the letters.See the CREDIT SECRETS BIBLE for more information and letter templates
to make your own and personalize correctly and send yourself and
get your credit score fixed now.
While
I agree with the Federal Trade Commission (FTC) that "Anything
a Credit Repair Clinic can do for you legally, you can do for yourself
at little or not cost"... the key element you need for success
is the latest inside techniques and procedures to get the results you want. This involves strategies such as "Proof
of Contract", "Constructive Notice", "Challenge
of Procedure" or "Restrictive Endorsement" and many
others. All of which are found in the Credit Secrets Bible
All
these terms may "sound" impressive but they are really
quite simple. In the end, it is nothing more than a method of communication
which exercises your consumer protection rights, gets the results
you want and raises your credit score.
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