KNOWLEDGE IS POWER

Fact: You don't need a lawyer to elminate your debts!

Fact: You don't need a credit counselor to fix your credit for you!

Fact: You don't need any kind of so-called professional to help you at all!

Because many people are unaware of these facts, millions of dollars are made by companies who exploit this and innocent people are forced into further debt.

99% of Americans don't realize that the credit bureau is a private institution that has to abide by government laws!!!



 

Step By Step Credit Repair Explained In 2 Minutes

Credit repair takes time and patience but with the right information you can be well on your way to AAA credit and a new life. Although the process itself is long it can be explained in 1 page.

First you have to learn how to analyze all the data presented on your credit report then become a master at disputing these claims. With the credit bureau you will have tofind anything that is incomplete, inaccurate or just wrong. If anything has been recorded wrongly you have the right to dispute it even if you do posses the debt. The bureau then has 30 days by law to correct any wrong items or delete entirely from your report. It might take them up to 6weeks to send you a new report and you should check if the disputed items have been removed or updated. If you have not received a reply within 6 weeks send a follow up letter with all the older correspondences and remind the credit bureau about the 30 day law.

There are ways to get around the technicalities of the dispute. Always make sure that you do not dispute more than 3 items at one time. Once those 3 items have been updated or removed entirely, then you move on to the next 3. Understand also that sometimes when you dispute, the negative entry does not just automatically come off your credit report. You have to be very persistent and keep on writing to the credit bureau till they eventually come off. Understand that credit repair is not a sprint but a marathon.

Areas to be disputed include “Charge offs”, “Paid as Agreed”, “Tax Liens”, “Late Payments”, “and Bankruptcy”. These constitute the majority of negative items that occur on a credit report. On each and ever one you have to quote the “account name” and “account number”, then write detailed letters to each of the three credit bureau stating that all accounts have either been paid in full or do not belong to you. Credit bureaus usually perform an investigation into the debt by contacting the creditor. What you should know is that many creditors either don’t have the time or don’t have any documents to prove the debt. A lot of times if a negative item is more than 3 years old, many creditors will not respond to the credit bureau inquiries because of lack of records. This means that the negative entry must be deleted from your credit by law.

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You can do credit repair yourself to save time and money for repairing and updating your reports with the help of do yourself credit repair kit and by following step-by-step instructions for credit repair. Step-by-step instructions for credit repair are a best way to repair your credit, to remove bad credit and solve credit repair problems. Credit repair services offers credit repair information, including step-by-step instructions for credit repair on how to remove bad credit, how to rebuild your credit, how to repair your credit and negative information in your credit repair report.

Steps to Dispute
1)Obtain your credit report
2)Decide which items you want to dispute.
3)Write letters.(The acceptable format can be found at ASANIWELLS WEBSITE, see link below)
4)Always hand write your letters.
5)Keep copies of all correspondence.
6)Keep separate file copies on each credit bureau.
7)Keep on writing and following up as they reply.

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