I recently read another article about credit repair companies scamming consumers. Remember, there is nothing one of these firms can do for you that you can’t do yourself…cheaper, better, and faster!

Improve your credit score can be done in short order if you follow proven principles.

Here is the full article -

Jefferson City, Mo. – Attorney General Chris Koster said today difficult economic times have created profitable opportunities for credit repair scam artists.

Koster said credit repair scammers target consumers with credit problems and charge big up-front fees with the promise to clean up their credit file.  He reminded consumers that it is against the law in Missouri to require payment before these types of services have been provided.

“The fact is, no one can clean up your credit report if it’s accurate,” Koster said.  “Companies that tell you they have an ‘in’ with credit bureaus, know about secret loopholes, can convince a creditor that you don’t owe a debt, or can get you a new, clean credit report are simply being untruthful.  If there are genuine errors on your credit report, you can get those removed yourself at no cost.”

Koster said he is filing a lawsuit today against Credit Repair and Counseling Specialists, LLC, and Brenda Lynne Coday in Springfield, charging fraud, deception and failure to comply with statutory requirements placed on firms offering credit repair services.  According to the lawsuit, the business did not perform all the services for customers it promised, and did not provide refunds for services not provided.

Koster is asking the court to issue a permanent injunction requiring Credit Repair and Counseling Specialists and Coday to comply with the law; require the defendant to provide full restitution to victims; pay a civil penalty of $1,000 per violation; pay the state 10 percent of the total restitution; and pay the cost of investigative and prosecution fees.

Improve Credit Score Tips In Austin

Improving Your Credit Score isn't difficult when you follow good advice. Foremost, your letter to the credit bureaus disputing your bad credit needs to get to the point quickly. Don't cite the constitution or threaten them with a lawsuit. Instead of playing at law, just present a simple case that includes these three points:

• Number 3 - What specific results you are seeking
• Number 2 - Why you are disputing it
• Number 1 - What exactly you are disputing

Every letter of dispute must contain these three points. Here is an example of such a letter: Below is an example of a dispute letter that I would write: DO NOT COPY THIS LETTER WORD FOR WORD!!

If the credit bureaus start getting letters that look exactly alike, then they will dismiss them as some frivolous copy from a credit repair course and kick out the dispute. With that in mind, here is my letter to the credit bureaus:

• I am disputing the Sears account appearing on my credit report, number XXXX, for the reason of (mention one of 13 reasons below).
• Your Name
• Your Address
• Re: (account and reason for your dispute goes here)
• Your Date Of Birth
• Your Social Security Number
• Please delete. Thank You.
• Dear Credit Bureau Name

Next, pick one of the following 13 reasons for your dispute:

• Inaccurate Remarks
• Original Creditor Not Listed
• Opened/Not Accurate/Inaccurate Terms
• Inaccurate Late Pays
• Account Closed By Consumer
• Creditor Classification
• Account Type Inaccurate
• Obsolete Account
• Account Transferred To Another Lender
• Not Liable For the Account
• Incorrect Date
• Incorrect Account Designation
• Incorrect Balance Being Reported

Good credit scores start with good reasons of dispute like these, no legal mumbo jumbo or plagiarized boiler plate letter that they've seen hundreds of times. This letter has potentially powerful benefits-if the first reason is verified by your dispute letter, then write a second letter citing a different reason on the list. Fixing your credit one piece at a time is simple when you provide a different reason for each account with each credit bureau.

You might have been lured into believing that disputing your account as "not yours" would be the best way. But now you have an arsenal of effective reasons from which to dispute every bad account.

The truth about credit repair is this: Don't spend thousands of dollars on credit courses about credit repair myths. In addition, restoring your bad credit is a secret process within the credit agency system that only a handful of qualified repairmen know. Now that you are informed, it is my hope that you will avoid becoming a victim of false information as you restore your credit. For More Information on credit repair Click the link below and go to our website. Author Bio: Mark Garcia will teach you how to Improve Your Credit Score fast with his FREE Instant Access to a 3 minute video about his own credit repair story. You can also download a special report on the "10 Most Dangerous Mistakes That People Make When Trying To Fix Bad Credit" available at Crushing the Credit Bureaus.

Improve Credit Quickly

Improving Your Credit Score is easy when you follow people in the know. First, your letter of dispute with the bureaus needs to be short and concise. Don't quote legalese or imply veil threats about suing them. Fixing your credit is not about legal intimidation; it's about these three points:

• Number 2 - Why you are disputing it
• Number 3 - What specific results you are seeking
• Number 1 - What exactly you are disputing

Write every dispute letter with these three points. Here is an example of such a letter: Below is an example of a dispute letter that I would write: YOU MUST WRITE A LETTER USING ONLY YOUR WORDS, NOT MINE!!

Credit bureaus don't like letters that appear to be copied out of a credit repair course. That said, below is a sample letter to the credit bureaus.

• Dear Credit Bureau Name
• Your Social Security Number
• Re: (account and reason for your dispute goes here)
• Please delete. Thank You.
• Your Name
• Your Address
• Your Date Of Birth
• I am disputing the Sears account appearing on my credit report, number XXXX, for the reason of (mention one of 13 reasons below).

Below are the 13 reasons from which you can choose to dispute your bad account:

• Account Transferred To Another Lender
• Obsolete Account
• Original Creditor Not Listed
• Not Liable For the Account
• Inaccurate Remarks
• Account Type Inaccurate
• Creditor Classification
• Account Closed By Consumer
• Inaccurate Late Pays
• Incorrect Balance Being Reported
• Opened/Not Accurate/Inaccurate Terms
• Incorrect Date
• Incorrect Account Designation

Using one of these reasons are the simple and smart way to increase your credit score-no threats, law school tryouts or plagiarized credit repair book letter. This letter has two benefits- if the credit bureaus accepts your reason, then send them another dispute letter using a different reason on the list. Fixing your credit one piece at a time is simple when you provide a different reason for each account with each credit bureau.

Too many people dispute their bad accounts the only way they have been told to-by saying it is not theirs. Most people think that the only way to dispute an account is by saying it is not mine. But by being an informed consumer, you now have a treasure trove of reasons to choose from.

The truth about credit repair is this: The commonly-accepted myths about credit repair are just not true. Credit bureaus also have secrets about how to navigate the credit disputation system that only a handful of experts know. You should now be empowered with good information and avoid the bad. For More Information on credit repair Click the link below and go to our website. Author Bio: Mark Garcia will teach you how to Improve Your Credit Score fast with his FREE Instant Access to a 3 minute video about his own credit repair story. You can also download a special report on the "10 Most Dangerous Mistakes That People Make When Trying To Fix Bad Credit" available at Crushing the Credit Bureaus.