| If you do a search using Google, yahoo, Bing or any | | | | sends this 2-digit code to the company that submitted |
| other search engine using the phrase "how to fix your | | | | the negative item to the credit bureau. The supporting |
| credit" you will get over 40 million results. Go ahead | | | | documentation that you sent with your dispute letter is |
| and try it. | | | | never read let alone is NEVER sent to the information |
| If you take the time to click on all of the links on the | | | | furnisher even though the law requires them to do so. |
| first few pages of the search results for "how to fix | | | | Guess what happens next? |
| your credit" here is a summary of the results that you | | | | The "investigator" at the information furnisher, who also |
| would get: | | | | sits at a computer and also uses E-Oscar, also has 4 |
| All the information on these credit repair websites tell | | | | minutes to evaluate the dispute and reduce it to a |
| you that all you need to do to fix your credit is write a | | | | 1-digit code which represents the letter that will be sent |
| dispute letter to all 3 credit bureaus... then most of | | | | to you which basically says, we have verified the item |
| these credit repair websites attach a sample "how to | | | | that you disputed and it is valid. The code that this |
| fix your credit" dispute letter for you to use as a | | | | person plugs into E-Oscar also determines the letter |
| template that goes something like this... | | | | that you will receive from the credit bureau that |
| Dear Sir or Madam: | | | | basically tells you that the negative item that you |
| I am writing to dispute the following information in my | | | | disputed was investigated and found to be valid. The |
| credit file. The items I dispute also are encircled on the | | | | Credit Bureau that you sent your dispute to just broke |
| attached copy of the credit report I received from | | | | the law and they do it all of the time and they get |
| your company. | | | | away with it because not enough people file a |
| This item (identify item(s) disputed by name of source, | | | | complaint with the FTC. |
| such as creditors or tax court, and identify type of | | | | How do I know that this is the way your credit dispute |
| item, such as credit account, judgment, etc.) is | | | | letters are handled? Because I read the transcript of a |
| (inaccurate or incomplete) because (describe what is | | | | court case that involved a consumer who sued a |
| inaccurate or incomplete and why). I am requesting | | | | credit bureau and the testimony given by a witness |
| that the item be deleted (or request another specific | | | | who worked at the credit bureau gave testimony on |
| change) to correct the information. | | | | how a dispute letter was handled. In my job I read |
| Enclosed are copies of (use this sentence if applicable | | | | through court files for cases involving credit reports |
| and describe any enclosed documentation, such as | | | | and consumer debt. That's what I do for a living. |
| payment records, court documents) supporting my | | | | In doing my research I have discovered that Federal |
| position. Please investigate this (these) matter(s) and | | | | Courts have ruled that Credit Reporting Agencies |
| (delete or correct) the disputed item(s) as soon as | | | | (credit bureaus) are not supposed to "parrot" the |
| possible. | | | | information that they get from the creditor (information |
| Sincerely, | | | | provider) in response to your negative credit dispute. |
| Your name | | | | (See: Cushman v TransUnion, Stevenson v. TRW |
| Enclosures: (List what you are enclosing.) | | | | (Experian), and Richardson v. Fleet, Equifax, et al). The |
| Then these Credit Repair web sites will give you more | | | | law requires them to conduct an independent |
| BS "How To Fix Your Credit" Advice | | | | REASONABLE investigation to ensure the validity of |
| They will tell you that the law requires the credit | | | | the debt and the honesty/integrity of the creditor in |
| bureaus to investigate all of the items that you dispute | | | | question. Does the description above sound like a |
| within 30 days - unless they consider your dispute | | | | "reasonable investigation" to you? |
| frivolous. Guess how often they categorize your | | | | So to answer the question, "How To Fix Your Credit" |
| dispute as frivolous? If they don't respond in 30 days | | | | the answer is, you can't fix your credit using the |
| --- whoppeeeee --- they have to remove the negative | | | | information provided to you from these so-called credit |
| credit item from your credit report. | | | | repair websites. The results you get when you use |
| They will also tell you that the credit bureaus are also | | | | search engines for any subject concerning "credit |
| required by law to forward all the relevant data you | | | | repair" are totally useless... because they don't tell you |
| provide them with about the disputed item to the | | | | the truth, that writing dispute letters doesn't work. |
| organization that provided the bad credit information to | | | | You may find the odd credit repair site that will tell you |
| them. After the information provider receives notice of | | | | that writing your own dispute letters is a waste of time |
| a dispute from the credit bureau, it is required to | | | | therefore you should pay them to do it for you |
| investigate your dispute, review the relevant | | | | because they are a big law firm and the credit |
| information that you sent to them, and report the | | | | bureaus will pay attention to a law firm. Credit Repair |
| results back to the credit bureau. If the investigation | | | | Law Firm results are not much better and not very |
| reveals that the disputed information is inaccurate, the | | | | cost effective. |
| information provider has to notify the credit bureau so | | | | Bad Credit can NOT be repaired via "credit repair" |
| they can correct it in your file. | | | | BUT there is a way to "Restore" a bad credit score |
| When the investigation is complete, the credit bureau | | | | into a "Good Credit Score" irregardless of whether the |
| must give you the results in writing, and a free copy of | | | | negative credit items you have are valid or not. That's |
| your credit report if the dispute results in a change of | | | | right. You read that correctly. Let me say it again. |
| any kind. Did you notice the word "if"? | | | | You Can Force Credit Bureaus To Remove All |
| Why All The "How To Fix Your Credit" Web Sites | | | | Negative Credit Items On Your Credit Report Even If |
| Are A Waste Of Your Time & Money! | | | | All of Them Are Correct and or Valid. Credit |
| If any of the credit repair web sites that show up | | | | Restoration Is Different Than Credit Repair |
| when you type in the phrase "How To Fix Your | | | | The reason credit repair companies don't tell you about |
| Credit" had any credibility at all here's what they would | | | | this is because they don't know how to use the |
| tell you. | | | | applicable federal laws to force credit bureaus to |
| They would tell you what really happens when you | | | | remove bad credit from your reports. They know that |
| send in your how to fix your credit dispute letter | | | | there is a patented legal dispute system to get this |
| instead of what is supposed to happen. But they don't. | | | | done but none of the credit repair companies are able |
| None of these credit repair sites want you to know | | | | to use it and/or don't want to use it. |
| the truth that disputing bad credit items will not fix your | | | | Why? Because the majority of the credit repair |
| credit and neither do the credit bureaus. If you don't | | | | companies are either owned or controlled by the credit |
| know why I will tell you later. | | | | bureaus and or credit card companies and the last |
| Here's what really happens when you spend an hour | | | | thing they want is for you to be able to repair or |
| putting together your "how to fix your credit" dispute | | | | restore your credit. They'll even take your money and |
| letter and go to the trouble of attaching copies of your | | | | get some of the negative credit items removed for |
| drivers license and SS card to prove who you are | | | | you but in 3 or 4 months or less they all get put back |
| along with any other documentation you feel will prove | | | | on. |
| that the the negative credit item on your report is | | | | They Don't Want You To Know How To Fix Your |
| invalid and should be removed. | | | | Credit. The lower your credit score is the more money |
| First: Your "how to fix your credit" dispute letter gets | | | | the credit bureaus customers make off of you. |
| delivered to the mailing address of the credit bureau. | | | | Before you get too discouraged I have some GOOD |
| Then your dispute letter along with five or six thousand | | | | NEWS for you. |
| other dispute letters the credit bureau received that | | | | There is a way to get ALL BAD CREDIT items |
| day get sent UPS to an offshore location in India | | | | REMOVED from all of your credit reports. Not only |
| where thousands of low paid workers given a title of | | | | that but there is a company that will do all of the work |
| "investigator" open up your certified mail letter that you | | | | for you. The Credit Bureaus have removed every |
| paid approximately $5 to have delivered and delivery | | | | single negative credit item that they have asked them |
| confirmed. | | | | to remove. To date, my research has found that they |
| The "investigator" that opens your letter has a | | | | have helped over 155,000 individuals get more than 5 |
| maximum of 4 minutes to determine what 2-digit code | | | | MILLION negative credit items removed from their |
| to reduce your dispute to. That's right. The letter that | | | | credit reports. This company has access to the |
| took you an hour to compose in great detail and all of | | | | patented legal dispute system mentioned above. |
| the attachments that took another 30 minutes to | | | | Nobody else does. That is how they were able to get |
| make copies of doesn't even get read if it is more | | | | 100% of the items that they requested the credit |
| than 2-3 paragraphs. Then the investigator who | | | | bureaus remove get removed! |
| doesn't have a very good grasp of the English | | | | If you are fed up reading through all of the search |
| language has 4 minutes to scan your paperwork and | | | | results for your search on how to fix your credit then |
| reduce everything into a 2-digit code. | | | | check out the other articles I have written. I think that |
| The investigator then plugs this 2-digit code into a | | | | you will find the solution that you are looking for. |
| computer application called E-Oscar. E-Oscar then | | | | |