How to Repair Your Credit ((Part One))
The following techniques will assist in repairing your credit.
It should be completed with all three Credit Bureaus.
In this section we will teach
you how to remove any negative credit items from your credit report.
The strategies used here are also called:
Credit Repair.
Keep in mind that these
strategies are the same used by credit repair companies and attorneys.
An attorney can charge you up to $5,000 to perform these
simple services on your behalf. Since credit repair companies and credit repair attorneys
won't always perform it properly, we will share with you all the
heavily guarded secrets of how to be one step ahead of your creditors!
Things Credit Bureaus do not want you to know
1. Each of the items present
on your credit file has to be backed up with some proof or it
has to be deleted from your credit report. When a credit bureau is unable to verify the item
in dispute when an investigation is open, it has to be removed from your credit file whether it’s accurate or not.
2. All negative entries on your credit report
may be contested or denied at any given time. By law, the credit bureau has to investigate
and if the item is not verified/proven within a "30 day
period", it has be deleted from your credit report.
3. When items are challenged, they can be
deleted by accident. Consumers often tell us that they experience computer mistakes.
4. Often times a creditor
doesn't re-verify within their 30 day window or in most
cases the credit bureau may simply be too busy to prove your dispute. Those are means for immediate deletion of the item in dispute.
5. The newer an item in dispute
is, the easier it is to re-verify. The possibility of
records not existing after 1 to 2 years is strong and not too farfetched.
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