Fortunately, with a little effort on your part, you can learn how to view and interpret your credit history file, and how to proceed actively with credit repair to quickly eradicate any negative data. Ordering our book Fix Your Credit In 72 Hours is the first and only book to permanently repair your credit. This exciting feature-packed 128-page book shows you step by step how to resolve consumer credit problems, caused either by credit bureau misinformation, or by some unfortunate circumstances in your financial life. You then will have a credit history that will survive the most stringent credit check. Proven methods are provided for all the conventional, as well as unorthodox methods not found elsewhere, and for removing negative information, such as late payments, liens, charge-offs, judgments and bankruptcies.
Starting with simple definitions of credit, credit bureaus, creditors and debtors, the book leads you to details of obtaining a free copy of your credit report, and teaches you how to interpret and understand the information those reports contain. Seeing your credit report for the first time might be quite a shock if it contains negative information. It is very crucial to examine your credit report before you apply for credit; that way mistakes can be corrected, thereby avoiding a credit denial on your record. You are presented with a list of precautions to follow when engaging credit repair agencies to clear your credit report for you. They cannot do anything for you that you cannot do for yourself. Also included is a short-form summary of the consumer protection features built into the Fair Credit Reporting Act (FCRA), which provides valuable insights about your consumer rights.
If you have tried and failed, or if this is the first attempt, then the directions contained in the chapter on step by step credit repair solutions will empower you to remove the negative information that is preventing you from obtaining the credit you deserve. Each potent strategy is discussed in full detail and supplied with a gold mine of sample letters and documents to eliminate the negative information once and for all. In addition, we show you how positive information of your choice can easily be added to your credit report.
The last chapter consists of a useful blueprint for money management planning, and how you can avoid a repetition of credit problems in the future. Credit repair will take individual effort and a strong commitment, but the personal investment is well worth the gain in financial security and confidence.
The appendices provide a valuable listing of contact information for organizations related to consumer credit. It is important, as well as convenient, to locate organizations within your own community.
