|The Solution to Bad Credit||Structure of Social Security Numbers|
|Scoring for Credit||The Credit System|
|Credit Card Insights||Six Credit Card Secrets|
|Establish AAA Credit in 30 Days||The Lure of Bankruptcy|
|Book Keeping Made Simple||Stop Collection Agencies|
|If Someone Owes You Money||Your Consumer Rights|
|The Free Credit Card Trap||How to Get Free Rent|
|Free Government Grants||How Pawn Shops Work|
|Paying Bills Later to Improve Your Credit||Signature Loans|
|Wipe out Debts Without Bankruptcy||Winning the Credit Card Game|
|Women and Credit||How to Obtain Interest Free Loans|
|The Secrets of Credit Repair||The Inside Secrets of Credit Repair|
Is our service for you?
If you have credit problems, collection issues or stubborn past creditors and want to do the work yourself then yes!
Our Self Help Credit Restoration-Debt Negotiation Membership is for you if you want to fix your credit yourself, not pay an agency and... you are tired of being abused by the credit industry and want to educate yourself about the laws and utilize our expertise to fight back against inaccurate credit reporting and abusive debt collectors.
It can seem like an uphill battle correcting your credit. Collectors can be abusive, credit bureaus don't listen and the whole process is very annoying. That is why we created the self help service. You won't believe what you will receive for a one time small fee! No monthly payments, keep your private credit information private and do the work yourself for practically nothing!
All Federal Laws are in the consumer's favor. This means you have the advantage. The specific law used here is the Federal Fair Credit Reporting Act.
One part of this law states that when you dispute any information contained on your credit file, the Credit Bureau must verify the accuracy of the information with the creditor who reported the information within 30 days. If they are unable to verify the information within 30 days, it must be removed.
Congress passed The Fair Credit Reporting Act (FCRA) because they felt we all deserve a second chance. This act gives you the right to correct, update, amend and tell your side of what happened to the credit community. These laws do not work though unless you initiate and use them. A copy of the FCRA is included in the Appendix for your review.
The Fair Credit Reporting Act sets certain guidelines which credit bureaus and your creditors must follow when reporting your credit file, as well as giving the consumer certain rights.
All of this brings us to the fascinating task of working on your credit reports. Begin by getting defensive about your credit report. Remember that these credit reporting bureaus are just private companies selling information about you and are not your friends. You never authorized your creditors to sell this information and you are not sharing in the profits they and the credit bureaus are making.
Your Six Basic Rights under The Fair Credit Reporting Act
1. You, the consumer, have the right to challenge the accuracy of your credit report any time.
2. The credit bureaus must reinvestigate anything you challenge without a charge.
3. The credit bureaus must reinvestigate within a reasonable amount of time. 30 days constitutes a "reasonable amount of time" unless the bureau notifies you otherwise (so keep accurate records).
4. If the credit bureau finds an error in the challenged item, they must delete or correct that information in your files immediately.
5. If the credit bureaus cannot or do not confirm the challenged item within 30 days, they must delete that information from your files immediately.
6. You have the right to submit a Consumer Statement of your view of the problem. If you, as a credit consumer, dispute the accuracy of certain information in your credit report and it is verified by the creditor as correct, then the credit bureau is required to include your explanation of your dispute, if you request, in your credit report. Limit your explanation to no more than 100 words.
What kind of Credit Repair Guide do I receive ?
You will receive a credit repair guide that teaches you step-by-step how you can fix your own credit and save yourself hundreds or thousands of dollars. See Product Details for more
What Format is this guide in ?
The guide comes in the form of an electronic file (Ebook) which can be downloaded instantly once you make payment. This way you will be able to get started right away.All you need is Windows 95, 98, 2000,ME, NT & XP installed on your system.
Can I really fix my own Credit ?
Of course! With the right knowledge everyone can repair their own credit. Even the United States Federal Trade Commission (FTC) recommends that consumers should repair their own credit - it's good for the economy to have citizens who can continue to purchase what they need. Our guide can help you do this.
Why is it so Affordable ?
Since the product is a downloadable item we are able to save by removing the middle-man and in turn pass on the savings on to you. By offering a low price we hope to create customer loyalty and word of mouth referrals.
How do I Order your Guide ?
Just click on Join and you will be taken to the Buy Now button which will guide you through a pleasant and free PayPal process. After checkout, just click "continue" and you'll instantaneously be returned to the members area where you can download your Credit Repair kit PLUS all of the free Bonuses.
The Warning Signs
If you decide to respond to a credit repair offer, beware of companies that:
Want you to pay for credit repair services before any services are provided;
Do not tell you your legal rights and what you can do-yourself-for free;
Recommend that you not contact a credit bureau directly;
Suggest that you try to invent a "new" credit report by applying for an Employer Identification Number to use instead of your Social Security Number;
or Advise you to dispute all information in your credit report or take any action that seems illegal, such as creating a new credit identity. If you follow illegal advice and commit fraud, you may be subject to prosecution.
You could be charged and prosecuted for mail or wire fraud if you use the mail or telephone to apply for credit and provide false information. It's a federal crime to make false statements 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.
Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the promised services.