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.

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Improving Your Credit Score is not that difficult if you follow competent advice. First, your dispute letter to the credit bureaus needs to be short and to the point. Don't quote your lawyer or imply an impending doom for their legal department. 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

Every letter of dispute must contain these three points. Look at this example of a dispute letter to see what I mean: YOU MUST 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
• Re: (account and reason for your dispute goes here)
• Please delete. Thank You.
• Your Date Of Birth
• Dear Credit Bureau Name
• Your Address
• Your Social Security Number

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

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

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 benefits of this system can be powerful because if the credit bureau approves of the first reason, you can send them a second letter citing another reason from the list. When you provide a different reason to each bureau for each bad account, you will repair your credit one by one.

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 now you are equipped with an armory of reasons.

To sum up: The commonly-accepted myths about credit repair are just not true. And there are many secrets within the credit repair system that you cannot know without the help of a qualified expert. I hope you will begin to fix your credit using tested reasons, rather than flimsy ones. 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.

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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 quote your lawyer or imply an impending doom for their legal department. Fixing your credit is not about legal intimidation; it's about 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. Look at this example of a dispute letter to see what I mean: DON'T USE THE EXACT WORDS OF THIS LETTER!!

Credit bureaus are savvy about credit repair course letters and will dismiss what looks like frivoulous letters. That said, here is an example of a letter to send to the credit bureaus:

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

When you write the letter, use one of the 13 reasons below for disputing the bad account:

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

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.

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. However, now you have a store-full of causes. But now you are equipped with an armory of reasons.

The truth about credit repair is this: There are many myths disguised as truths when it comes to credit repair. And there are many secrets within the credit repair system that you cannot know without the help of a qualified expert. 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.