Disputing Negative Records With Credit Reporting Agencies Part1

The procedure of disputing errors with Consumer reporting agencies is simple and is described on the FTCs web site. It is also described in the guides you can get on our web site http://www.101creditrepair.com

Here are the basic steps:

Get and review your credit report. You can use annualcreditreport.com to get a free report from each of big free credit reporting agencies once a year. I suggest to subscribe to a service from Experian.com, or Equifax.com – for a small fee you will get unlimited number or reports. It will help you to monitor your progress.

Identify records to correct / remove (I have another video about analyzing credit report, or read about it in my guide at http://www.101creditrepair.com ).

Write letter to the CRAs (Credit Reporting Agencies) asking them to make required corrections. Make copies for your file. Send via certified mail (keep the receipt).

The CRA must investigate your dispute and reply in 30 (or 45) days.

If they corrected – great.
If CRAs have verified the record as valid, then the next step will be to contact the institution which has placed the record (original lender or collection agency) as described in the next video. See also at http://www.101creditrepair.com

Note: I recommend certified mail because other methods (phone, internet, etc.) don’t provide easy and uniform way to keep track of all correspondence. But if you still prefer these other methods, you must keep the log of all the events: when did you call, who did you talk to, what did you discuss, or what have you entered in the web form, etc.

Duration : 0:3:41

Read the rest of this entry »

Technorati Tags: credit report, credit score, equifax, experian, fico, Rebuild Credit, transunion

http://www.bluepointcredithelp.com – Terrence Johnson, CEO of Blue Point Financial, answers your most pressing credit questions! Today’s question: Will my credit be high if I erase all bad credit from my report?

Duration : 0:1:39

Read the rest of this entry »

Technorati Tags: "Credit, "repair, bad, blue point financial, bureaus, debt, fico, fix, good, help, how to, inquiries, my, raise, remove, report, restoration, restore, Score, scores, terrence johnson, your

A blues about credit scores for everyone who’s ever had less than perfect credit…

Duration : 0:3:37

Read the rest of this entry »

Technorati Tags: "Credit, bankrupt, Blues, cash, debt, dinero, fico, finances, millionaire, money, mortgage, Score

Waterfield Credit is going out in the community to educate consumers about credit reports and credit scoring. “It’s Amazing how much little attention has been put into Credit Education.” Drew Canole said.

Duration : 0:5:42

Read the rest of this entry »

Technorati Tags: "Credit, "Drew, "repair, "san, adriana, advice, american, anderson, attractive, Awards, bedford, best, boy, brad, Canole", clooney, crank, Dance, dat, debt, diego, Eat, ebay, fico, fix, foreclosure, funny, george, Girl, Guy, help, heroes, hot, how, idol, iphone, John, legal, Lock, make, McCain, miami, models, money, MTV, Music, my, news, Obamma, pam, pitt, Pop, ranked, Rihanna, ryan, seacrest, settlement, Sexy, Shortsale, soulja, Tampa", teen, teens, to, top, trl, tyson, video, women

Why The Banks and Credit Bureaus LOVE Your Low Credit Score…. From Credit Repair Intelligence Report #4. www.CreditRepairIntelligence.com

Duration : 0:10:4

Read the rest of this entry »

Technorati Tags: "Credit, "repair, bad, bureaus, cost, fico, from, intelligence, interest, jay, low, mortgage, of, peters, publishing, report, Score, zodiac

Please RATE & SUBSCRIBE: Before you call go to www.guillermocervano.com
Credit Profile/Privacy Numbers have been in existence over 30 years. They are used by sophisticated investors, celebrities and multinationals. The Credit Profile Number (CPN), is a nine digit number separate from your social security number used for PERSONAL credit reporting and tracking purposes. Below is the CPN explained…
What is a Credit Profile Number (CPN)?
It is a nine digit number separate from your social security number used to track your credit activities and history.

Can I use this number instead of my social security number?
No, the Credit Profile Number (CPN) does not replace your SS number, this number can only be used for credit reporting purposes. It cannot and should not be used for any government purposes including and not limited to: military, child support, DSS income, SSI, taxes, FHA, VA, or any government backed funding.

What can I use my new Credit Profile Number (CPN) for?
You can use your new Credit Profile Number (CPN) for anything that would normally require you to use your SS number for credit reporting purposes. Use it to receive credit cards, car loans, a mortgage, personal loans etc.

Am I responsible for the debts on my old report?
Yes, you are responsible for all debts on your old report and debts incurred with your Credit Profile Number (CPN). You must remember that while you are rebuilding your credit, you must use your new Credit Profile Number (CPN) wisely. If you have had troubled credit in the past dont repeat your mistakes.

Is this legal?
Yes. You can use the existing laws to your advantage for a change. Due to certain rights guaranteed by the 1974 US Privacy Act Title V, you have the right to keep your SS number private and not be denied service due to your refusal. The credit bureaus are not government agencies, so you do not have to give them your SS number.

What will my new FICO be?
Your credit profile will be blank. You will need to reestablish your credit, by applying for credit cards and other lines.

Is there another way to re-establish my credit?
Yes, we know that re-establishing credit can be a time consuming process. We can add fully paid off trade lines to boost your score. We can give you a new Credit Profile Number (CPN) with a 700+ score (excellent credit), to use as you see fit.

Are you saying that I can use my Credit Profile Number CPN to buy investment property or get a loan to start a business?
Yes. Leverage is a tool that has been used by the wealthy for generations. Now you have it to use for your purposes.

BEFORE YOU CALL PLEASE GO TO: www.guillermocervano.com
Call Financial Chemotherapy to get started…973-440-8661
“Bringing Millionaire Lane concepts to Main Street”

Duration : 0:5:36

Read the rest of this entry »

Technorati Tags: "Credit, "real, cards, chemotherapy, consultant, cpn, estate", fico, fix, howto, investment, investor, investors, legal, loans", number, privacy, profile, re, Score

For more information, please visit us at: http://triumphcreditadvance.org/

Triumph Advocacy Group presents Strategies to Better Credit with Francesca M. Brooks, Attorney at Law. With so much information about the changing credit industry, Triumph is here to set the record straight. As a consumer advocate, Triumph will inform you of your rights as a consumer, how you can better manage your finances, and ways to start improving your credit.

This week, we have the “Cycle of Debt” Learn about how you are being kept in a vicious cycle of debt, and ways to break out of the cycle.

Check back soon for more credit tips and insight about the credit industry!

For more information, please visit us at http://triumphcreditadvance.org/

Duration : 0:2:24

Read the rest of this entry »

Technorati Tags: "Credit, credit card debt, credit repair, credit score, credit scores, equifax, experian, fico, fix credit, Fix my credit, free credit, free credit report, improve crecit, improve credit score, low credit score, my fico, raise credit score, repair credit, repair my credit, tag, transunion, triumph advocacy, triumph advocacy group

Is your credit report holding you back? http://www.thecreditrepairsecrets.com Do you have inaccurate information on your credit report? Do you intend to apply for credit and want to get your credit in the best shape? Discover The Insider Secret Manual That Will Help You Eliminate Bad Debt, Raise Your Credit scores & Get Approved for Loans & Credit Cards… Even If You Have No Credit Building Experience, Bankruptcies Or Severely Damaged Credit! STOP being embarrassed! STOP overpaying for credit! START living your life! http://www.lowestpymt.com/fha-streamline-refinance.php

If You ever Wanted To Know How To Get Rid Of Bad Credit & Get Out of Debt Quickly Then YOU MUST WATCH THIS VIDEO. http://www.thedebteliminationkit.com

Duration : 0:1:19

Read the rest of this entry »

Technorati Tags: "Credit, "free, bad credit establish credit, clay parker, clean up credit, consumer credit, credit counseling., credit repair, credit repair company, Credit Repair Service, credit score, debt reduction, edward jamison, fico, freecreditreports.com, kwe clay parker, kwe parker, kweparker, Lexington law, Maryland, monitoring, mortgages, myfico.com, Pennsylvania, refinance bad credit, report, the credit repair secrets, thecreditrepairsecrets.com

http://www.bluepointcredithelp.com – Terrence Johnson, CEO of Blue Point Financial, answers your most pressing credit questions! Today’s question: Is it easy to dispute the derogatory items on my credit report?

Duration : 0:2:18

Read the rest of this entry »

Technorati Tags: "Credit, "financial, "repair, bad, bankruptcy, blue, fico, good, johnson, point, report, Score, terrence

SUBSCRIBE! Hey Gizzi, how can I restore my credit this year!? I can’t get no credit for nothing is this world…can you help me!?

Yes! You are at the right place at the right time….I know, its TAX season and you’re going to get your income tax check and Invest it in yourself! I am soo proud of you…taking action at the beginning of the year so you can no longer complain about your credit!

For more information on the 100,000 of people we have helped go to http://www.credit-debt-vendetta.com and see for yourself…..Men Lie, Women Lie, but numbers # don’t!!

Financial Chemotherapy LLC
Intro Video: http://TwitPWR.com/C4u/
Services:

-Debt Settlement: Reduce Unsecured Debt 25-50% FREE Analysis
-Credit Card Counseling: Reduce Interest Rates on Credit Cards to 2-9%
-Credit Repair: Remove negative and out dated information from Credit Report
http://www.credit-debt-vendetta.com Money Back Guarantee!!
-CPN numbers: New Credit Profile and a 725+ Credit Score
-Trade Lines: Increase your Credit Score 25 to 75 Points on Average
-Loan Mods: Attorney Based Loan Modification Services
-Short Sales: We Buy Houses! Avoid Foreclosure NOW!
-Investment Properties: We Sell Houses 2 – 4 Family Ask How?(SEE ATTACHED FOR PROPERTIES)
FOREX Investing: Invest your money and have it work for you!
-Sell Property Equity Holding Trust: Creative way to acquire property w/out Credit Check
-Notary Public : Notarizing document all over NJ
-Next Age Realty : www.nextagerealty.com Grow your Real Estate Empire Internationally!
-Merchant Business Credit Account- Reduce Rates & Fees $500 Challenge!

We also have business opportunities on a National Level.

Log onto our conference calls for more information on Debt Settlement/Merchant Accounts/Sell Property Equity Holding Trust! 9pm Est Time 712-432-0075 code 409018 M, T, Th, Fr, S(10am)

Don’t Forget to SUBSCRIBE TO MY VIDEOS ON YOUTUBE FOR MORE
UPDATES AND PRICING PACKAGES!

–
Guillermo A. Cervano CMPS
Financial Chemotherapy LLC
Direct: (973) 440-8661 Google Voice
www.credit-debt-vendetta.com
www.twitter.com/financialchemo
www.youtube.com/jaguarpaw1
www.linkedin.com/in/financialchemotherapy
“Strategically making it happen. Giving Financial Chemotherapy to wallets, houses and credits with Financial Cancer”

Duration : 0:4:28

Read the rest of this entry »

Technorati Tags: "Credit, 2010, add, business, can, debt, fico, fix, how, lines, program, restor, Score, steroids, to, trade