This site helps consumers to understand credit. The belief that helping one person to improve their situation inspires others to seek helping themselves. Radically changing the thought process of improving our lives, not only has improved communities but has gone viral.
Many consumers live with the idea that having inaccurate credit will last for many years, even decades. The notion that consumers have to live with inaccurate credit and have no available options simply is not true. The credit laws are in favor of the consumer and when properly used can remove negative inaccurate information from their credit reports.
WHERE TO START
Where you are
The first thing you need to know is where you are credit wise. That would consist of knowing the information on all three of your credit reports.
What you want to accomplish
Are you looking to purchase a home?
Are you looking to purchase and automobile?
Do you want accurate credit in general?
Be sure to save your credit report if any disputing is needed.
HOW TO ACHIEVE YOUR GOAL
Learn about the Credit Center
The Credit Center contains disputing options, a free dispute tracking sheet, a free budget management spreadsheet and additional credit resources. Options ranging from our working on your own credit (Elite Package) to seeking professional assistance. There is a full range of tools for you to choose
Are you willing to work on your credit for a small commitment of time?
Once you have decided which inaccurate items to dispute and have downloaded the appropriate package then you can begin to populate your first letter.
Each letter is similar in that the following items are to be entered:
The body and closing of the letter is already populated. The letter process should take no more than 5 minutes. With your letters always be sure to include:
-Copy of drivers license (proof of identification)
Finally, mail the letters and you should receive a response within 35-45 days. On occasion you will receive a letter of notification informing you that the letter has been received.
Note - To establish a proper paper trail, certified letters are via the U.S. Postal Service is recommended.