Improve Credit Quickly In Lubbock

Improving Your Credit Score is easy when you follow people in the know. Foremost, your letter to the credit bureaus disputing your bad credit needs to get to the point quickly. 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 3 - What specific results you are seeking
• Number 1 - What exactly you are disputing
• Number 2 - Why you are disputing it

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!! The credit bureaus may consider your letter frivolous and dismiss the dispute if it looks too much like one of hundreds of other letters copied from a credit repair course. With that said, take a look at one of my sample letters to the credit bureaus:

• Your Date Of Birth
• Your Address
• Please delete. Thank You.
• Your Social Security Number
• Dear Credit Bureau Name
• 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
• Re: (account and reason for your dispute goes here)

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

• Obsolete Account
• Opened/Not Accurate/Inaccurate Terms
• Account Type Inaccurate
• Account Closed By Consumer
• Not Liable For the Account
• Inaccurate Remarks
• Inaccurate Late Pays
• Account Transferred To Another Lender
• Creditor Classification
• Incorrect Date
• Original Creditor Not Listed
• 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. The beauty of this system is twofold- if the credit bureaus verify your first dispute letter as accurate, then craft a different dispute letter using another reason or item. This simple letter gives you an easy way to repair your credit systematically by providing each credit bureau with a different reason for the bad account. Most credit repair books will tell you to dispute the account as not being yours and then hope that the bureau will not respond to your claim within the required 30-day period (like the credit repair books tell you to do). But by being an informed consumer, you now have a treasure trove of reasons to choose from. Let me reassure you of some important truths: Credit repair myths are abundant; don’t believe them. In addition, restoring your bad credit is a secret process within the credit agency system that only a handful of qualified repairmen know. I hope that you are now armed with the knowledge of truth so that you won't fall victim to false information as you improve your credit score. 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.

   About a week ago I mentioned to my readers about the $2 Trillion in credit lines that were going to be pulled in the next 18 months by the major credit card issuers. Some of my students and coaching clients began asking me how the could combat this loss as they continue to perform credit repair for themselves.

   There are several ways to fight back – just remember that you are performing this tactic to increase your credit scores and fix bad credit – not going on a spending spree!

   First, pick up your phone. Reach out to your credit card issuers and just have a conversation with them. Ask them the reasons “why” they reduced your credit limits. Sometimes just calling and asking the question will get your credit limits restored. You don’t have to blindly accept their action.

   Share with them details about your salary and job status. Did you recently get promoted? It helps if you have been a customer for awhile and also haven’t been recently late on any payments If you’ve been a good customer, paying on time for a long time, say so. But don’t feel too tied to the card company.

   Chances are you’re still getting some credit card offers in the mail, and now may be the time to use them as leverage. Threaten to leave your current provider, pointing out the better rates their competitors are offering. If you haven’t gotten solicitations, check out Credit.com, CardRatings.com or Bankrate.com to see what you’re missing. If your issuer is playing those games with you, through no fault of your own, it’s time to shop around for a new provider. Now may also be a good time to pick up another card on top of the one you have.

   Because card companies don’t want to carry as much potential for default, they’re slashing card limits. That means someone who used to have a $5,000 credit limit and spent $3,000 every month was well within the limit. But now they may be hitting their heads on the ceiling of a $3,500-a-month limit, which leaves them with an ugly “credit utilization ratio” (the amount owed relative to the credit limit). C

   Restoring a high credit limit is a great goal, but not if you’re doing it just to take on added debt. Tell your card company you want to maintain your pristine (or improve your lackluster) credit score and you’d threaten that number by having a lower limit. They’ll respond better to that than to whines about wanting a new TV.

   Finally, if your interest rates have spiked and you can’t switch to a better card, try to “opt-out” of the new rate. That means you’ll pay off your current balance at the existing rate, but you may not be able to make new purchases anymore. Ask your credit card issuer for details.

   The cost of having a poor credit rating is growing higher each and every day. It literally pays to improve your credit score. You’ll get better interest rates on loans, lower premiums on insurance, and maybe even a better job. But, is it possible to repair your credit for free In this article we will answer that question, but also ask some more questions for you to answer.

>NOTE: If you’d like to learn how to repair your credit… boost your credit scores… and qualify for any loan you want FAST… then go and check THIS out now:

www.CrushingTheCreditBureaus.com/ebook

   You see the ads for credit repair services everyday on TV and in newspapers. You may even get calls from telemarketers offering “instant credit repair – 100% guaranteed.” The Federal Trade Commission, the government agency responsible for looking out for consumers, says in plain English;

   “Do yourself a favor and save some money. Don’t believe these statements.” The Federal Trade Commission (FTC) goes so far as to say that everything a credit repair company can do to improve your credit rating, you can do for yourself, for free. Is that true Maybe.

   If you have the right information on how to work with your creditors, debt collection companies, and the credit reporting agencies, and you if have the time to spend, then you can make headway in repairing your credit. For free.

   The vital “IF” in that statement is related to the “right information.”  Reputable credit restoration companies have extensive experience in dealing with creditors, the credit bureaus, and collection agencies.

   It’s all they do, every day. If you want to be as successful, you’ll need access to the information and proven techniques the reputable credit repair companies employ. Improving your credit report is not as easy as sending a couple of form letters and waiting for your score to magically rise.

   You’ll be waiting for a long, long time. The FTC says that only time, a conscious effort, and a personal debt repayment plan will improve your credit report. Yes, but that is also too simplistic. There is an unpredictable aspect to credit repair. You’ll have to be prepared to respond in different ways to individual creditors and credit bureaus in order for your efforts to be successful.

   How much of the credit restoration process you can do yourself, and for free, is based on your availability to the right information and techniques, and your skills and experience. How polished are your written and verbal communication skills How much legal experience do you have Can you get your point across on the phone, without letting your temper flare up?

   Let’s hope your math skills are adequate. All these factors will come into play if you decide to take on your creditors yourself. In the end, it comes down to how much can you do yourself based on your current skills and experience, and how much would you benefit by hiring someone to handle the more technical aspects of repairing your credit.

   So, the answer to the question, “Is free credit repair possible” is a definite “maybe.” Your first action should be to arm yourself with the vital information you’ll need. There are a variety of public sources of this information, including the Federal Trade Commission.

Get access to some incredibly powerful credit increasing score info: http://www.CrushingTheCreditBureaus.com/ebook

Talk soon, Mark Garcia

 

P.S. If you haven’t downloaded your copy of my online eBook “Crushing The Credit Bureaus”, then you need to do that immediately. You can download it to your computer and be reading it within a few minutes.

It’s here: www.CrushingTheCreditBureaus/eBook