If you’ve ever had any negative credit issues arise on your report, then you’ve probably made attempts to have these items disputed or even removed. More cases than not, individuals are unsuccessful 
United States of America (Press Release) July 24, 2008 --
First, we should explore the “traditional” methods by which most people attempt to have negative items removed. Calling the Creditor directly-This strategy will work maybe 10% of the time. The reason being is that, 9 times out of 10, you will be on the phone with a customer service representative. These folks have no significant authority to do anything about your account and it’s reporting to the credit bureaus. And half of the time, they are just looking at a screenshot of your account and are in another country just taking phone calls. Needless to say, calling the Creditor is a big waste of time and energy.
Now that you know what NOT to do, allow me to give you some insight on what you can do on your own and is absolutely, the most effective form of credit-repair (at least 80% success rate) The good news is that you can do all of it on your own. The bad news is that you can do all of it on your own so the results are completely up to you.
There are 2 things that you need to do in order to get things to go your way. And it’s not completely WHAT you should do, more of HOW and with WHOM.
1. (HOW) Everything you do with regards to your Credit-Repair should be in writing. Nothing verbal is enforceable. The letter to the Creditor should include: Your name, address, phone number and social security number. The Creditor will already have all of this information anyway but it should be referenced within this letter. The focus of the letter should be that the burden of proving the derogatory item is on them. And that THEY must prove to YOU what happened for them to report this negative item on your credit report. This proof should include any type of documentation citing the account in question. The overwhelming majority of the time, they will not have the necessary documentation to support their inaccurate reporting as they just report whatever they are instructed to. And this is why 80% of credit reports have errors or inaccuracies on them.
2.(WHOM) This letter should be addressed to the legal department or fraud department as they are responsible for doing research on these types of accounts. Everyone else is just a customer service representative with no power to do anything about the reporting of your account. As the saying goes, “Never accept a NO from anyone that isn’t in a position to give you a YES in the first place.” This letter should also be notarized as it will add a sense of formality to your dispute.
To understand more about this strategy and more information on “How To Completely Eliminate Your Bad Credit” in as little as 14 days and without dealing with the credit bureaus, please visit www.CreditFixedNow.info There you will find all of the tools necessary to restore your good credit. You will be amazed as to how easy and simple it really is to fix your credit now.
Yours, Michael Harrington
Now that you know what NOT to do, allow me to give you some insight on what you can do on your own and is absolutely, the most effective form of credit-repair (at least 80% success rate) The good news is that you can do all of it on your own. The bad news is that you can do all of it on your own so the results are completely up to you.
There are 2 things that you need to do in order to get things to go your way. And it’s not completely WHAT you should do, more of HOW and with WHOM.
1. (HOW) Everything you do with regards to your Credit-Repair should be in writing. Nothing verbal is enforceable. The letter to the Creditor should include: Your name, address, phone number and social security number. The Creditor will already have all of this information anyway but it should be referenced within this letter. The focus of the letter should be that the burden of proving the derogatory item is on them. And that THEY must prove to YOU what happened for them to report this negative item on your credit report. This proof should include any type of documentation citing the account in question. The overwhelming majority of the time, they will not have the necessary documentation to support their inaccurate reporting as they just report whatever they are instructed to. And this is why 80% of credit reports have errors or inaccuracies on them.
2.(WHOM) This letter should be addressed to the legal department or fraud department as they are responsible for doing research on these types of accounts. Everyone else is just a customer service representative with no power to do anything about the reporting of your account. As the saying goes, “Never accept a NO from anyone that isn’t in a position to give you a YES in the first place.” This letter should also be notarized as it will add a sense of formality to your dispute.
To understand more about this strategy and more information on “How To Completely Eliminate Your Bad Credit” in as little as 14 days and without dealing with the credit bureaus, please visit www.CreditFixedNow.info There you will find all of the tools necessary to restore your good credit. You will be amazed as to how easy and simple it really is to fix your credit now.
Yours, Michael Harrington
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