Free Sample Collection Letters and More

Our Free Credit Repair Program Highlights 1. Get a credit report - Learn how to get a real free credit report without a credit card. 2. Analyze your report - Learn how to read a credit report from top to bottom. 3. Organize and Prioritize - Learn how to prioritize and work on the items that will help your credit heal quicker. 4. Disputing Collections and Errors - Choose from over 50 professionally written credit repair letters that cover almost all situations. 5. Dealing with the Credit Bureaus - Learn which bureaus to send the letters to and what each letter should ask for; and make sure the item(s) is changed to your satisfaction. 6. Proper Documentation - Learn how to properly document your efforts to keep from having continual problems from the same issues you have already cleared up. 7. Harassing Collection Agencies - Learn how to stop collection agencies in their tracks by using the law to your advantage.

8. Negotiating with Collection Agencies - Get the collection agencies to bend to your will with the least amount of friction.

 

  How to Spot the Scammers

 

Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a car loan, a home mortgage, insurance, or even a job once they pay them a fee for the service.

 

The truth is, these companies can’t deliver an improved credit report for you using the tactics they promote. It’s illegal: No one can remove accurate negative information from your credit report.

 

So after you pay them hundreds or thousands of dollars in fees, you’re left with the same credit report and someone else has your money.

 

If you see a credit repair offer, here’s how to tell if the company behind it is up to no good:

 

* The company wants you to pay for credit repair services before they provide any services. Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.

* The company doesn't’t tell you your rights and what you can do for yourself for free.

* The company recommends that you do not contact any of the three major national credit reporting companies directly.

* The company tells you they can get rid of most or all the negative credit information in your credit report, even if that information is accurate and current.

* The company suggests that you try to invent a “new” credit identity — and then, a new credit report — by applying for an Employer Identification Number to use instead of your Social Security number.

* The company advises you to dispute all the information in your credit report, regardless of its accuracy or timeliness.

 

If you follow illegal advice and commit fraud, you may find yourself in legal hot water, too: It’s a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses.

 

You could be charged and prosecuted for mail or wire fraud if you use the mail, telephone, or Internet to apply for credit and provide false information.

 

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What to Look for if You Hire a Credit Repair Company

 

Credit repair organizations must give you a copy of the “Consumer Credit File Rights Under State and Federal Law” before you sign a contract. They also must give you a written contract that spells out your rights and obligations.

 

Read these documents before you sign anything. And before signing, know that a credit repair company cannot:

 

* make false claims about their services

* charge you until they have completed the promised services

* perform any services until they have your signature on a written contract and have completed a three-day waiting period. During this time, you can cancel the contract without paying any fees.

Before you sign a contract, be sure it specifies:

* the payment terms for services, including the total cost
* a detailed description of the services the company will perform
* how long it will take to achieve the result
* any guarantees the company offer
* the company’s name and business address

 

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The 5 Biggest Lies in Credit Repair

 

 

  All in all, most companies that want to repair your credit are not crooks in so much that they are out to rip you off and steal your identity. However, a good percentage of them over-hype what they are doing for you to make it sound more beneficial than it really is.

 

Credit repair companies can't do ANYTHING that you can't do yourself with the proper guidance. Credit repair companies tend to insinuate that they have the "magic connection" that allows them to do something that you cant do, which isn't true. This makes them liars in my book.

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