Credit Repair - second edition

Real-life, real-world credit repair and score-increase tactics. Includes real credit letters and disputes.

There’s no need to hire attorneys or credit-repair firms. All they do is send out a templated letter anyway, and creditors get those all the time.... Big deal.

When the actual debtor (you) sends a serious letter...whoa, watch out.... Consumer laws being brandished on the collector/creditor! They don't like that and will do whatever necessary to get rid of you fast if you reach the right person and say the right things.

These proven strategies can work for anyone. This audiobook will show you how to take action and restore or improve your credit.

When doing credit repair...you want your negative information deleted; do not settle for any other status.

Let’s face the facts here; without good credit, you spend a lot more money on things like mortgages, car loans, insurance, and cell phone plans. Even healthcare can cost a lot more. And let’s not forget that nowadays employers usually will check your credit to ensure you aren’t a financial risk to them. If your credit sucks and it’s a job you really want, how awful would that be if you get passed over because of your credit score or credit report?

Collections and judgment - get them deleted.

Dispute your credit the right way using federal laws in your favor. The Consumer Acts are vast and complex; almost every debt collector or creditor has a violation somewhere in their operations. They’re almost impossible not to violate.

Write credit letters from “hell” and state your demands.

No company likes dealing with debtors who know the Consumer Acts and use them to their advantage. Most companies can barely adhere to the vast consumer laws and fair credit acts, however minor; most companies violate some aspect of the laws at one time or another.

If you can't find a Fair Credit violation, use the cybersecurity breach tactic. This one is very serious. The government wants large corporations to secure your data; if they are recklessly handling your information, this falls under the cybersecurity mandates and is definitely going to get their attention.