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LEGAL CREDIT REPAIR

STEP 1:

GETTING STARTED

EXAMPLE: Mike is inquiring about getting his credit done. QUESTION: How can I get my credit fixed? ANSWER: I basically dispute negative information on your credit report with !"# #$$%&'!( !$$!&). QUESTION: )o all you do is dispute negative information? ANSWER: 'o* it+s a lot more to it than that* if everyone ,ust disputed negative information* then everyone would have good credit. QUESTION: )o what do I need to do it myself? ANSWER: If I told you that information then* I would not be in business* you would need to pay for that information. QUESTION: How much do you charge? ANSWER: $hat depends on how bad your credit is. I charge a minimum of -.....* but it can go as high as -...... QUESTION: /hat do I need to get started: ANSWER: # copy of your 0river+s icense* social security card* and 1 utility bills in your name or whatever legal documentation you can supply to prove your identity.

STEP 2: EXAMPLE:

WRITE CREDIT BUREAUS AND REQUEST A COPY OF CREDIT REPORT.

2lient+s 'ame )treet #ddress 2ity* )tate* 3I4 2redit 5ureau )treet #ddress 2ity* )tate 3I4 2urrent 0ate $o /hom It May 2oncern: 4lease send me a copy of my credit report. My full name is Client N !e. My )ocial )ecurity number is 61789:8;<=>. My birth date is ?68?686><:. My current address is Client C"##ent St#eet A$$#e%%& C"##ent Cit'& St te (IP. I formerly lived at Client Ol$ St#eet A$$#e%%& Ol$ Cit'& St te (IP. I+ve also enclosed a copy of my 0river+s icense* showing my current address and a photocopy of my )ocial )ecurity card. 4lease send the credit report as soon as you can. $hank you. )incerely* )ignature 2lient 'ame )ocial )ecurity 'umber

))NE*ER TYPE T+ESE LETTERS AND ALWAYS WRITE IN YOUR OWN +ANDWRITING))

CONTACT INFORMATION FOR T+E CREDIT BUREAUS

$rans @nion 2onsumer &elations 4.%. 5ox 1??? 2hester* 4# 6>?1181??? A=??B >6;8==?? !quifax Information )ervices* 4.%. 5ox <9?1:; #tlanta* "# 7?79= A=<<B )2%&!66 !xperian '2#2 4.%. 5ox ><?6 #llen* $C <:?67 2

))Always remember to write the legal dispute letters in your own handwriting because if the credit bureaus see a nice professional typed letter, they are immediately intimidated and will not remove any negative information.))

STEP ,:

WRITING LETTERS TO CREDIT BUREAUS

Di%-"tin. In //"# te 01 In/0!-lete In10#! ti0n 0n Y0"# C#e$it Re-0#t


2lient 'ame )treet #ddress 2ity* )tate 3I4 2redit 5ureau )treet #ddress 2ity* )tate 3I4 2urrent 0ate $o /hom It May 2oncern: $his letter is a formal complaint that you are reporting inaccurate and incomplete credit information about me. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Drom my understanding* credit reporting laws ensure that bureaus report only 6??E accurate credit information. !very step by your firm must be taken to assure the information reported is completely accurate and correct. $he following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item* specifically the financing contract* note or other legal instrument bearing my signature. Dailing that* the item must be deleted from the report as soon as possible: NAME OF CREDITOR AGENCY& ACCOUNT NUMBER ))REMEMBER))
$he listed item is not accurate and should not be reported by your firm. 4lease delete this misleading information and replace it with correct information. #dditionally* please supply a corrected copy of my credit profile to all creditors who have received a copy of the inaccurate report within the last six months* and for employment purposes* the last two years. #dditionally* please provide the name* address and telephone number of each credit grantor or other subscriber. #s I+m sure your firm is aware* under federal law* you have 7? days to complete your reinvestigation. I am also requesting that the description of the procedure used to determine the accuracy and completeness of the information be provided as well within 6: days of the completion of your reinvestigation. )incerely* )ignature 2lient 'ame 2lient )ocial )ecurity 'umber )) Always write this after writing the negative account number:

E2 !-le: Dord Motor 2redit #ccount 'umber: 6179:;<=>? $his is not my account. I never had an account with Dord Motor 2redit. 4lease delete this item.

FOLLOW3UP LETTER TO INITIAL DISPUTE OF INACCURATE OR INCOMPLETE INFORMATION ON CREDIT REPORT 2lient 'ame )treet #ddress 2ity* )tate 3I4 2redit 5ureau )treet #ddress 2ity* )tate 3I4 2urrent 0ate $o /hom It May 2oncern: $his letter is a formal notice that you have failed to respond in a timely manner to my dispute letter of Ainitial dateB* deposited by registered mail with the 4ost %ffice on that date. #s you are well aware* federal law requires you to respond within 7? days* yet you have failed to do so. Dailure to comply with these federal regulations by credit reporting agencies are investigated by the Dederal $rade 2ommission. I am maintaining a careful record of my communications with you on this matter for the purpose of filing a complaint with the D$2 should you continue in your non8compliance. 5e aware that I am making a final goodwill attempt to have you clear up this matter by giving you 6: additional days to respond. Dor your benefit I will restate my dispute. $he following information needs to be verified and deleted from the report as soon as possible: NAME OF CREDITOR AGENCY& ACCOUNT NUMBER ))REMEMBER))
$he listed item is not accurate and should not be reported by your firm. 4lease delete this misleading information and replace it with correct information. #dditionally* please supply a corrected copy of my credit profile to all creditors who have received a copy of the inaccurate report within the last six months* and for employment purposes* the last two years. #dditionally* please provide the name* address and telephone number of each credit grantor or other subscriber. #s I+m sure your firm is aware* under federal law* you have 7? days to complete your reinvestigation. I am also requesting that the description of the procedure used to determine the accuracy and completeness of the information be provided as well within 6: days of the completion of your reinvestigation. )incerely* )ignature 2lient 'ame 2lient )ocial )ecurity 'umber

&!: 0ispute etter of A0ate of Initial etterB

USE T+IS LETTER IF T+E CREDIT BUREAUS DO NOT COMPLY AFTER YOUR INITIAL COMPLAINT& AND4OR AFTER A FOLLOW UP COMPLAINT USING T+E INITIAL LETTER..

NOTICE OF INTENT TO FILE A COMPLAINT WIT+ T+E FEDERAL TRADE COMMISSION 2lient 'ame )treet #ddress 2ity* )tate 3I4 2redit 5ureau )treet #ddress 2ity* )tate 3I4 NOTICE OF INTENT TO FILE A FTC COMPLAINT 2urrent 0ate &!: 0ispute etter of Adate of initial disputeB* Dollow8up etter of Adate of follow up letterB 5ecause of your blatant disregard for the law* I+m sending you this letter as a formal 'otice of my intent to file a 2omplaint with the D$2* due to your blatant disregard of the law. #s of this moment* I have not received any correspondence from your firm* which consequently translates into failing to have done your duty required by law. I plan to hold your firm accountable for this negligence. Dor the record* the following information is being erroneously included on my credit report* as I have advised you on two separate occasions: '#M! %D 2&!0I$%& #"!'2(* #22%@'$ '@M5!& FF&!M!M5!&FF
I+m requesting that you immediately remove this inaccurate and incomplete information* I am filing a formal complaint with the Dederal $rade 2ommission. Durthermore* I intend to file civil action to recover damages* costs* and attorney+s fees. Dor this very purpose* I am carefully documenting these events* including the lack of response &!G@I&!0 under law from you. #dditionally* please supply a corrected copy of my credit profile to all creditors who have received a copy of the inaccurate report within the last six months* and for employment purposes* the last two years. #dditionally* please provide the name* address and telephone number of each credit grantor or other subscriber. #s I+m sure your firm is aware* under federal law* you have 7? days to complete your reinvestigation. I am also requesting that the description of the procedure used to determine the accuracy and completeness of the information be provided as well within 6: days of the completion of your reinvestigation. )incerely* )ignature 2lient 'ame 2lient )ocial )ecurity 'umber

RESPONSE TO COLLECTION FIRM REGARDING A DISPUTED ITEM 2lient 'ame )treet #ddress 2ity* )tate 3I4 2ollection Dirm )treet #ddress 2ity* )tate 3I4 2urrent 0ate $o /hom It May 2oncern: I+m responding to your letter dated* 0ate* with a copy of it enclosed. $his is the first piece of correspondence I+ve received from you on this matter. I believe I do not owe your firm what you say I owe* and I request that you please provide me with the following: tell me what I owe money for illustrate how your firm calculated the total amount in question. provide me with any copies of signed documents showing that I agreed to pay what you firm claims I owe. show me that you are licensed in my state* and give me your license number. stop contacting me about this matter* or any other you have* except to provide me with proof that I owe what you say I owe.

I request that the company that you say I owe money to be sent a copy of this dispute* so that they do not report this on my credit report. I further expect that if you already reported me to a credit bureau* you notify them that I have not and do not agree with this debt in question. )incerely* )ignature 2lient 'ame

WRITE T+IS LETTER TO ANY CREDITOR T+AT CONTACTS CLIENT REGARDING DISPUTED ITEMS.

REQUEST FOR ACCURACY PROCEDURE FROM CREDIT BUREAU FOR REIN*ESTIGATION 2lient 'ame )treet #ddress 2ity* )tate 3I4 2redit 5ureau )treet #ddress 2ity* )tate 3I4 2urrent 0ate $o /hom It May 2oncern: I am formally requesting the description of your procedure to determine the accuracy and completeness of the disputed information* including the company name* address and telephone number of any furnisher of information contacted in connection with this reinvestigation. I am greatly upset that your firm failed to maintain adequate procedures to assure complete accuracy in the information you release to firms inquiring about one+s credit* and I demand that you comply with the law by providing the requested information within the fifteen days allowed. )o that you know which account I+m disputing and asking your firm to re8investigate* the name of the company and account number with them is as follows: 2&!0I$%& #"!'2(* #22%@'$ '@M5!& FF&!M!M5!&FF #s I have stated previously* the listed item is inaccurate and incomplete. $his is a substantial error in your reporting. 4lease supply a corrected copy of my credit profile to all creditors who have received a copy of the inaccurate report within the last six months and* for employment purposed* the last two years. #dditionally* please provide the name* address* and telephone number of each credit grantor or other subscriber. )incerely* )ignature 2lient 'ame 2lient )ocial )ecurity 'umber

TIPS FOR MAINTAINING A SUCCESSFUL LEGAL CREDIT REPAIR BUSINESS If you are doing this as a business* you must always remember to write dates on the client+s folder Hwhat date you started working on it. (ou must work on a client+s file a minimum of once a week and document the date each time. #lways check with your client+s to see if they are receiving their credit reports as well as their investigation results. (ou should work on a minimum of three clients a day* always make sure you do. (ou must write the dispute letters in your own handwriting. Make your own business cards describing what you do* and get a magnetic car sign. $his will bring professionalism* stability and a lot of business.