Fix Bad Credit
Is your credit in bad shape? I mean is your credit to the point where you can't get a cell phone, or a bank account, or a gas card, or rent a room by the week? If so then this lens is for you.
this lens is for you
I'm going to make a lot of folk mad giving this invaluable information away for little or nothing. But I don't care. I'm on a mission. You see I'm tired of seeing people getting ripped off by credit repair firms, attorneys and all these so-called credit repair specialists. You can clean up your own credit, legally in about 3 months.
I'm going to give you the real stuff. I won't try and impress you with all that technical junk that won't help you anyway. I'v spent a lot of time and money researching how to fix my credit. I've also spent a lot of money on those guys who claim to experts. So I've compiled all what I've learned and used and now I'm going to bless other people with it.
I'm going to give you letters that won't get you flagged by the credit bureaus; letters that really are proven to remove negative credit off of your reports. I'll show you how to respond when the credit bureaus say they have verified everything as accurate. I'll show you how to stop those credit collectors from ever contacting you again, period. This is going to change your credit life and as a result your entire life. A good credit report makes all the difference in the world.
You are going to love yourself for not just being a reader, but a doer. You can probably already tell I'm not one of those wanna-be professionals. I'm just a normal person like you. I just took time to write this lens because I like helping people and I hate seeing people being take advantage of.
Let me encourage you. I know you're reading this ebook because your credit is in really bad shape. You have been under great mental, emotional and physical stress. Your marriage may be on the rocks because of your financial situation. I know personally how bad credit affects your self-esteem because I've been there.
I respect you for taking action and not just giving up. I encourage you to let go of your past; all the guilt, shame and disappointments that keep you up at night. You are more than some credit report. Let's look to your future and forget about the past.
You are not alone. Last year over 1 million people filed for bankruptcy. That comes out to over 90,000 people per month; over 3,000 people per day; more than 125 people per hour. Bad credit doesn't care whose life it affects; young, old, married, divorced, any nationality, race, creed or color. Bad credit doesn't discriminate.
The information in this lens will show you how a great many people has gotten a second chance with good credit. They have move on with their lives and are enjoying the good things in life. The things I will share with you in this ebook, less than 1% of the population knows about.
You must promise me one thing. Once we get your credit cleaned up, you must promise to protect it and never get in this situation again. Go ahead and say that to yourself; hold yourself accountable.
this lens is for you
I'm going to make a lot of folk mad giving this invaluable information away for little or nothing. But I don't care. I'm on a mission. You see I'm tired of seeing people getting ripped off by credit repair firms, attorneys and all these so-called credit repair specialists. You can clean up your own credit, legally in about 3 months.
I'm going to give you the real stuff. I won't try and impress you with all that technical junk that won't help you anyway. I'v spent a lot of time and money researching how to fix my credit. I've also spent a lot of money on those guys who claim to experts. So I've compiled all what I've learned and used and now I'm going to bless other people with it.
I'm going to give you letters that won't get you flagged by the credit bureaus; letters that really are proven to remove negative credit off of your reports. I'll show you how to respond when the credit bureaus say they have verified everything as accurate. I'll show you how to stop those credit collectors from ever contacting you again, period. This is going to change your credit life and as a result your entire life. A good credit report makes all the difference in the world.
You are going to love yourself for not just being a reader, but a doer. You can probably already tell I'm not one of those wanna-be professionals. I'm just a normal person like you. I just took time to write this lens because I like helping people and I hate seeing people being take advantage of.
Let me encourage you. I know you're reading this ebook because your credit is in really bad shape. You have been under great mental, emotional and physical stress. Your marriage may be on the rocks because of your financial situation. I know personally how bad credit affects your self-esteem because I've been there.
I respect you for taking action and not just giving up. I encourage you to let go of your past; all the guilt, shame and disappointments that keep you up at night. You are more than some credit report. Let's look to your future and forget about the past.
You are not alone. Last year over 1 million people filed for bankruptcy. That comes out to over 90,000 people per month; over 3,000 people per day; more than 125 people per hour. Bad credit doesn't care whose life it affects; young, old, married, divorced, any nationality, race, creed or color. Bad credit doesn't discriminate.
The information in this lens will show you how a great many people has gotten a second chance with good credit. They have move on with their lives and are enjoying the good things in life. The things I will share with you in this ebook, less than 1% of the population knows about.
You must promise me one thing. Once we get your credit cleaned up, you must promise to protect it and never get in this situation again. Go ahead and say that to yourself; hold yourself accountable.
Extra! Extra! Read All About It!
Fetching RSS feed... please stand byCredit Reports and Credit Bureaus
Important Information You Must Know
Hi there...right now I'm just going to build a foundation about credit reports and credit bureaus. Later we'll start talking about the action needed to clean bad credit.Your credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. In a sense it tells your life's story.
But most of the time what they tell of the time the information isn't 100% true; or at least not the whole truth
The credit bureaus sell the information in your report to creditors, insurers, employers, and more people than you can imagine. Those people then use it to evaluate you for credit, insurance, employment, renting a home and a lot of other things. Inaccurate and/or negative information makes your score really low and you can't get the things you want and deserve.
Most negative credit remains on your report for at least seven years. But bankruptcy stays on your reports for 10 years. A criminal conviction can stay on your report forever. A lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.
But here's the deal. Most of the negative credit being reported is not being reported correctly, as required by the Fair Credit Reporting Act (FRCA). I'm not going to get into all the details of the law but just know that you can challenge them on the accuracy and method of what they're reporting. The bottom line is they have to prove what they're reporting to be 100% accurate.
Let me just say something right here. Most people think that if they just write dispute letters saying this is not my account, the account will get deleted. They've been told to keep sending letters and hope the credit bureau's don't respond in 30 - 45. If they don't respond in a timely manner you can insist that they delete the negative information.
My friend this action will cause the credit bureaus to flag your disputes as frivolous. They won't bother to take any action to investigate your claim.
What you learn in this lens will empower you and educate you about your legal rights. You will be using the laws that protect you and govern what the credit bureaus can and cannot do.
I hope you're starting to gain hope about getting your credit life back, because it can and will happen, if you're a doer and not just a reader.
Did You Know You Can Get Your Credit Reports For Free?
How to get your credit reports absolutely free
So here's how you can get your credit reports from all 3 of the major credit bureaus. There is a government sponsored program that allows you to get a FREE COPY of your credit reports every year.
Just go to www.annualcreditreport.com. This is the absolute best way to get your credit reports because you will have them in a matter of minutes.
You can also call 1-877-322-8228 and order it over the phone.
If you'd like, you can print a form and mail it in to get your free reports: http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf.
I highly suggest you just go on-line and order it from www.annualcreditreport.com.
Here's how you can contact all three of the major credit bureaus:
Experian
P.O. Box 2104
Allen, TX 75013
(888) 397-3742
www.experian.com
Equifax
P.O. Box 740241
Atlanta, GA 30374
(800) 685-1111
www.equifax.com
TransUnion
P.O. Box 2000
Chester, PA 19022
www.transunion.com
Just go to www.annualcreditreport.com. This is the absolute best way to get your credit reports because you will have them in a matter of minutes.
You can also call 1-877-322-8228 and order it over the phone.
If you'd like, you can print a form and mail it in to get your free reports: http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf.
I highly suggest you just go on-line and order it from www.annualcreditreport.com.
Here's how you can contact all three of the major credit bureaus:
Experian
P.O. Box 2104
Allen, TX 75013
(888) 397-3742
www.experian.com
Equifax
P.O. Box 740241
Atlanta, GA 30374
(800) 685-1111
www.equifax.com
TransUnion
P.O. Box 2000
Chester, PA 19022
www.transunion.com
by each-one-help-one
Together we can make the world a better place. Yes we can! (more)
