| Who else wants to learn how to raise their credit | | | | |
| score by themselves? If you are anything like the vast | | | | 1. Get a copy of your credit report and score. |
| majority of people who enjoy our credit and financial | | | | 2. Learn to READ the Report (I.E.....understand which |
| tips, the simple truth is that you're already pretty | | | | items are BAD and which are not) |
| frustrated at the high price (and confusing advice) | | | | 3. Check your history for in-accurate information. |
| offered by most credit clinics and counselors. As a | | | | (hint....you are entitled to 100% true and accurate |
| matter of fact, in a recent study done for the United | | | | reporting, and the SMALLEST in-accuracies are often |
| States Congress, there were MORE complaints about | | | | grounds for removal) |
| credit bureaus, non profit counseling centers AND | | | | 4. Challenge the negative items that are NOT 100% |
| repair clinics than all OTHER sorts of consumer | | | | accurate by filing disputes on each |
| complaints....COMBINED! | | | | 5. Maintain records of all correspondence with the |
| So why is there such high levels of misunderstanding | | | | credit bureaus....and follow up diligently each time they |
| when it comes to credit score restoration? | | | | respond. |
| It's actually quite simple. Money. And the hodge podge | | | | The truth? It's really that easy...and yes, you have to |
| of special interests that have their hands in the pot! | | | | get a feel for doing it, to learn the little "tweaks" that |
| The truth? Credit counselors make money off of your | | | | improve your success rate with each dispute. But |
| bad credit. (yes....even the non profit ones) Lenders | | | | NO....you don't need to pay thousands of dollars for |
| profit from charging you higher rates for your bad | | | | those "tweaks", and I've proven that over and over |
| credit. Repair clinics and attorneys charge exorbitant | | | | with my own credit. (and trust me....I'm NOT the |
| rates to "fix" your bad credit. And the credit reporting | | | | smartest financial guy in the room by any stretch!) |
| bureau's THEMSELVES make an absolute FORTUNE | | | | The Bottom Line...... |
| maintaining and reporting a file with your payment | | | | You are entitled to a 100% accurate credit report. The |
| history....ALL so that the banks, lenders and financial | | | | FCRA (Fair Credit Reporting Act) guarantees you this |
| institutions can decide whether or not to extend you | | | | right. The ONLY way stuff comes OFF of your report |
| credit! | | | | (be it through your efforts or those of a pro) is through |
| You CAN Fix Your Credit Completely By Yourself...... | | | | disputing negative entries as inaccurate. You CAN do |
| And I've done it many a time....both for myself, AND for | | | | this yourself....and you CAN begin today if you're ready! |
| friends and family. The steps? | | | | |