How to Repair Your Credit

 In less than 67 days...

From: Kate Rieger
Corydon, Indiana
Monday 09:00am

Kate Rieger  How To Repair Your Credit

You can repair your credit.  I doesn't matter if you have collections, late pays, repossession, bankruptcies, tax liens...the process is still the same.

The golden rule is to dispute anything that is incorrect, unverifiable or invalid on your credit report.  The credit bureaus have to validate that it correct with the creditor.  If it can't be validated, it must be removed.

The following are the steps for developing a dispute program to repair your credit.  If you have items in collections, you will need to include debt validation from the collection agency or original creditor.  Right-click and download this handy flow chart of the process.   Print it out to post by your work area.

Here are the major steps:

1. GET YOUR CREDIT REPORT

2. ANALYZE YOUR CREDIT REPORT.

Here is a listing of the information in the credit report:

3. DECIDE WHICH ITEMS YOU WILL TARGET FIRST

Here are some clues on how to identify what’s NEGATIVE on a credit report:

EXPERIAN

Any item marked with an asterisk- * -; and

Inquiries

EQUIFAX

Items preceded by a “>>>>“

Item listed as “repossession,” “foreclosure,” “profit and loss write-off,”“charge-off,” “paid profit and loss write-off,” “paid charge off,” “settled,” “settled for less than full balance,” or “included in bankruptcy;”

Any collection amount, whether paid or not;

Any court account, including a lien, judgment, bankruptcy (Chapter 11, 7, or 13), divorce, satisfied lien, or satisfied judgment;

Item showing one or more 30-, 60-, or 90-day late payments in the column to the far right; and ...

Inquiries

TRANSUNION

An account closed by the credit grantor and not you;

Item listed as “repossession,” “foreclosure,” “profit and loss writeoff,”

“Charge-off,” “paid profit and loss write-off,” “paid charge off,” “settled,” “settled for less than full balance,” or “included in bankruptcy;”

Any collection amount, whether paid or not;

Any court account, including a lien, judgment, bankruptcy (Chapter 11,7, or 13), divorce, satisfied lien, or satisfied judgment;

Item showing one or more 30-, 60-, or 90-day late payments in the column to the far right; and

Inquiries

4. REQUEST CORRECTIONS AND DISPUTE QUESTIONABLE ITEMS

5.  DOCUMENT YOUR CREDIT REPAIR EFFORTS

6. WAIT FOR THE CREDIT BUREAU TO FINISH INVESTIGATING AND RESPOND TO YOUR DISPUTES

7. REVIEW THE RESULTS OF YOUR REPAIR EFFORTS AND PLAN NEXT PHASE

8. IF A DISPUTED ITEM COMES BACK AS “VERIFIED,” REQUEST THE METHOD OF
VERIFICATION

9. CALL OR WRITE THE ORIGINAL CREDITOR AND ASK FOR PROOF THAT YOU WERE LATE,
OR THE ACCOUNT IS NOT YOURS, ETC.

10. REPEAT THE STEPS ABOVE IF YOU ARE NOT GETTING THE DESIRED RESULTS FROM THE
CREDIT BUREAUS

The course has easy to follow concise lessons that you can refer back to at any time. We cover this process within this online seminar and provide real life examples of disputes and letters.  To start this free, online mini-course, please complete the short form below and you can start immediately -

Yes Kate - I want to start today!

What others are saying...

Hi Kate,

I do want to thank you so much for your quick and thorough responses to my questions. I am amazed at the amount of information you manage to deliver. Your  program is terrific.

You give an awful lot of personal attention that can never come from a computer program.

Thanks for everything - I mean it!

Melissa

Louisville, KY

Dear Ms Rieger,

God Bless You!

You treated me like I was someone important.  I thank you for that and for showing me how to improve my FICO scores. You are truly amazing!

Sincerely,
 

Roberta D.

Jeffersonville, IN  

Credit Rejuvenations Rocks!

Dave