Credit Education

The possibilities for dispute letters are endless.  But here are a few specific examples of language you can use on dispute letters that will illustrate how to perform ethical credit repair: “Please provide me with proof that this account was opened on xxxx, this is being reported on my credit report. This information is not […]

Whether you’re doing online marketing or offline marketing, you want to find who your target audience is.  There’s no point in doing a mailing to an entire neighborhood.  The odds are the entire neighborhood doesn’t have bad credit.   Not every house inside of it would.  Not enough of a percentage would need credit repair

There are some crucial steps that any consumer must take to maximize the results they receive while having their credit improved. It’s essential to tell your clients about these steps to insure they are accountable for their results, and to insure they take necessary steps to complete the credit repair process with the best results.

Here is a brief review of our rights under the FDCPA: It details a person’s right to request more information about the alleged debt. The procedure is called debt validation and it’s a powerful intervention that we will be explaining in greater detail. Until then, understand that debt validation allows every consumer the right to

You probably have a good grasp on how to read and interpret a credit report. But do your customers know how?  Many consumers have no idea how to read a credit report, or what most items on a credit report even mean. This is why it’s a great idea to record video of you or

Many credit card issuers charge interest rates as high as 30% interest (APR) or higher. And most people do not realize that you can negotiate with your credit card company for a lower rate, especially if you’ve had any of your credit cards for a long time. To do this all a consumer needs to

When running your credit repair business the credit bureaus require proof of client’s addresses to process most disputes. In some cases they will process disputes without the address.  But even in those cases, they will still send a letter to your clients informing them that they won’t process their disputes without proof of address for

A polite and courteous request is just that– communicating in a polite and courteous “matter of fact” manner. An example of an intervention under this category is the goodwill request. A goodwill request is a letter sent to the creditor (e.g. Chase) asking them to pretty please remove the negative item from credit report, in

Every credit report has a personal profile section.  This area covers the consumer’s current and past addresses and employers, their date of birth, and AKA information.  When clients are reviewing reports for errors they will first want to start by looking at the spelling of their name and their other aliases.  You can then help

The second largest factor in a consumer credit scores is the amount you owe in relation to your high credit limits. If a consumer is carrying high credit card balances, they can actually hurt their credit scores almost as much as paying the account late every month.  This is because if they go late they