"Who Else Wants to Know How I Got Negative Items DELETED from My Credit Report & Raised My Credit Score 180 Points?"
Check out my story below to see how I was able to fight the credit bureaus and get things turned around.
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Product Description
This expanded Credit Secrets will save you thousands of dollars in fees, finance charges and interest payments as you learn the very latest techniques to get rid of debt once and for all and establish good credit. Discover proven tricks used by lawyers, credit counselors and other pros who charge handsomely for their services…. More >>
Product Description
How Anyone Can Establish, Manage, Repair and Erase Bad Credit Without Losing $1,000′s to Credit Repair Company!
If you are in need of rebuilding your credit history and equity, believe a creditor has wronged you, or your want to get out of debt now this book will open your eyes to hidden truth credit card companies, credit reporting agencies, and credit repair companies have been hiding from you…. More >>
Just three years ago, I was at the top of my game! I had finally gotten the promotion that I spent the previous two years working for. The increase in pay that followed allowed me to pay more than the minimum on my credit cards, with enough left over to save for a condominium purchase. I was finally able to get rid of my broken down car and purchase a brand new one. Life was good.
Within one year of purchasing the condominium, I was laid off from my job. I collected unemployment that kept me afloat for almost a year. I meticulously organized my finances so none of my bills were 30 days late to save my credit report from being ruined. Eventually, the situation got the best of me until I was barely escaping foreclosure and shut off utilities. My reliable car was repossessed, leaving me stranded.
As luck would have it, I landed another job. I use public transportation, because I can’t get a car loan. I have no cell phone because no one will extend credit to me. I am unable to take advantage of the today’s competitive mortgage rates, as my credit report is horrible.
I did endless internet searches to get a strategy for repairing my credit. I reviewed hundreds of internet pages, each speaking a foreign language. I had no idea what the difference between a late pay, short pay, 30-60-90 day late, or charge off was. All I know is that my credit was loaded with many of each.
A late payment is reported on your credit report once you are 30 days late on a payment. If 30 more days pass and you still do not make the payment, then the creditor notes a 60-day late payment. The same happens at 90 days late. If you were not keeping track, this adds up to three negative entries on your credit report when you fail to make a single payment for 90 days! The times when my car company said is was Ok to make less than the minimum payment on my car payment resulted in a short payment on my credit report. The repossession and outstanding un-collectable balance on the car loan, plus all the late payments resulted in a total of 12 negative entries on my credit report.
I asked my creditors to substantiate each negative entry and I was ignored. The credit reporting agencies recommended that I fill out an online form for each entry that I was disputing.
I shared my story with a coworker who recommended that I call a credit repair company for assistance. He explained that you can have negative information legally removed from your credit report. Federal and state consumer laws protect consumers from creditors erroneously reporting late payments. You have the right to request verification of each negative entry as well.
The credit repair company aggressively went after each of my coworker’s creditors and filled appeal forms for double the amount of entries than I had on my credit report. While they were not able to remove 100% of the information, they successfully removed enough negative information that allowed my coworker to purchase a new car at a competitive interest rate. He has a cell phone and does no have to put a deposit down on his utilities.
I too used a credit repair company to represent me with my creditors. It was the best investment I made ever! I purchased a used car and have a cell phone once again. I am a new person.
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