Credit Score Improvement In Houston

Improving Your Credit Score isn't that complicated if you listen to good advice. First, write a letter disputing your claims that is super short and concise. Don't send lawsuit threats or quote supreme court decisions. Fixing your credit is not about legal intimidation; it's about these three points:

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

You want each of your dispute letters to have all three of the above elements. Here is an example of such a letter: Below is an example of a dispute letter that I would write: DON'T USE MY WORDS!!

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:

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

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

• Incorrect Account Designation
• Incorrect Balance Being Reported
• Account Closed By Consumer
• Original Creditor Not Listed
• Not Liable For the Account
• Inaccurate Late Pays
• Account Type Inaccurate
• Inaccurate Remarks
• Incorrect Date
• Account Transferred To Another Lender
• Creditor Classification
• Opened/Not Accurate/Inaccurate Terms
• 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. If the credit bureau agrees with your reason, then turn around and send them a second letter citing a second reason from the list. This simple method will repair your credit a little bit at a time by providing a different reason for disputing the faulty account with each credit bureau.

Before reading this article, you might have told them that the account is "not yours" (as most credit courses instruct you to say) and prayed that they won't be able to verify it in the 30-day time limit. But now you have an arsenal of effective reasons from which to dispute every bad account.

The truth about credit repair is this: There are many myths disguised as truths when it comes to credit repair. 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.

Hello Again,

It seems as though you can’t turn on any news program lately without them mentioning the new credit card legislation that is about to go into effect.  For those of you who are attempting credit report repair and are struggling with your current credit card company, here are a few tips:

#1 – Call and complain! Let’s face it, you don’t have to take this nonsense lying down. Most of the credit card companies are trying to usher in these new fees and penalties before the crackdown from the Feds takes place early next year.

#2 – Shop around – There are plenty of both secured and unsecured credit card companies that are opening up to new business.

Remember, you must take control of your finances and that means staying informed on what the greedy bankers are trying to get away with!

Your credit insider,

Mark

TEXAS……Some interesting reading for us Texan’s 

   Ok, Folks. Texas has given you complainers plenty of time to get used to the election results. After listening to all the whiners after the election, some folks from Real Texas have decided that we might just take matters into our own hands. 

   First a little history lesson. It’s our independent nature to point out the people who enjoy the Texas Lifestyle have the right to secede and form our own country once again whenever the people of Texas choose to do so. Some other states also have this right. The difference is, Texas has actually pulled that trigger before. 

   Yes, Texas was an Independent Republic before it became a state and can secede. Nothing inherently prohibits that from taking place. 

   Let’s get this straight. John McCain, a real American hero, carried Texas by over a million votes. Texans can still smell the fires of the Twin Towers . We would also honor President Bush. George Bush simply did what any Real Texan would do and that is to go try his best to annihilate anyone who was responsible for attacking us. We don’t fault him for that. We applaud that sort of behavior. 

It’s Texas politics, Texas style.   We’re ready to secede. 

Don’t get me wrong. We’re like y’all – We just don’t want to be like y’all. 

#1: Barak Obama becomes President of the United States (all the other 49 states). 

#2: Ross Perot becomes the next President of the Republic of Texas and invites John McCain to be an honorary Texan. We honor our heroes in Texas and honor their service. McCain is welcome here and he can be Secretary of the Texas Navy. Native Texan George Foreman will be Secretary of Defense. 

After that is all said and done, we wish Mr. Obama well. We really do. 

We expect one of Perot’s first acts as President of the Republic will be to tear down the border wall and erect a 10′ wall around Austin to keep the “Austin Weird” folks in and away from the rest of us. If they will just pipe their Texas music out over the wall, it will keep the rest of us happy. ( Just kidding my Austin relatives on that one.) However, Willie will be Secretary of Agriculture and music. Wonder what he will grow?

So what does Texas have to do to survive as a Republic? 

   Here’s a few things to be aware of. Texas is the 11th largest economy on the planet. We are bigger than Spain and right behind Great Britain . We are also bigger than Russia . We are an economic force to be reckoned with. We have a constitutional amendment to balance our budget..and we do it. We also have a multi-billion dollar budget surplus this year. We are so big, we have our own power grid. Yes, that’s true. 

What else? 

NASA is in Houston . (we will control the space industry). We refine over 85% of the gasoline in the United States . Defense Industry? We have over 65% of it. The term “Don’t mess with Texas ,” will take on a whole new meaning. Oil – we can supply all the oil the Republic of Texas will need for the next 300 years. Obama states? Sorry about that. 

As David Werst said, “We’re like y’all, we just don’t want to be like y’all.” You can buy oil (pronounced like y’all) from us instead of terrorist countries that hate you. We will love you for paying so much to us instead of Saudi Arabia , Venezuela , Kuwait and others. 

You don’t want to ‘drill baby drill’ or put up with those nasty oil wells? Well, we do and we know how to do it without polluting the land, air, and sea. BTW-We have our own ports and shipping lanes. We’re also not “waiting on our FEMA check” to rebuild Galveston . We are doing it right now as we speak. 

Natural Gas – Again we have all we need and again, it’s just too bad about you blue Obama states who don’t want drilling. We’ve been driving around with 
those big tanks in the backs of our pickups for years now. We’ll switch over to compressed natural gas. Obama will figure a way to keep y’all warm..according to your need. Or, you could use ocean waves, or make friends with Hugo Chavez or what’s his name in Iran . 

Computer Industry - we currently lead the nation in producing computer chips and communications: Small places like Texas Instruments, Dell, EDS, Raytheon, Motorola, Intel, Austin Technology Centers Etc , Etc. The list goes on and on. 

Health Centers – We have the largest research centers for cancer research, the best burn centers and the top trauma units in the world, and other large health 
centers. We have enough colleges to keep us going: UT, Texas A&M, Texas Tech, Texas State University , Rice, SMU, TCU, University of Houston , Baylor, UNT, Texas Women’s University, etc. Ivy grows better in the south anyway. We have a ready supply of workers (just open the border when we need some more). 

But, we won’t have an illegal immigration problem. Former Texas Governor candidate Kinky Friedman solved that. He proposed we pay 5 Mexican Generals a million a year to control illegal immigration-folks coming from Mexico to Texas illegally. For every 
illegal that slips through, we deduct $10,000. Wonder how many will get across the border into Texas ? We won’t need a Border Patrol. 

We like tourism. Come stay a while. Enjoy a Cowboys game or go to Six Flags over Texas ..then go home. We don’t need any more Californians coming here and messing things up. Or, they could live in Austin where we can keep an eye on ‘em. 

We have control of the paper industry, plastics, insurance, etc. In case of a foreign invasion, we have the Texas National Guard and the Texas Air National Guard. We don’t have an army but since everybody down here is heavily armed and has at least six rifles and a pile of ammo, we can raise an army in 6 hours if we need it. That’s the Texas way. When the tower sniper started shooting in Austin a few years back, citizens piled out of their cars and pickups and started returning fire within 2 minutes. 

Our citizens are licensed to carry handguns on their person. We have a saying down here: “If you mess with the bull, you’re gonna get the horn.” And an even more remarkable finding from the past.. Average murder per 100,000 residents in counties won by Bush: 0.1 of one percent. Average murder per 100,000 residents in counties won by Gore: 13.2. In Texas , even some of our school teachers carry guns. We won’t surrender our kids to nuts and terrorists without a fight. Don’t even think about messing with us. If you want the sticker, click on it. 

If the situation really gets bad, we can always call the Texas DPS and ask them to send over a couple of Texas Rangers. We are totally self sufficient in beef, poultry, hogs and vegetable produce and everybody down here knows how to cook them so that they taste good. Don’t need any food. 

Arts? Bob Wills is still the king, but we also like different types of music, Country..and..Western. We even have our own beer. Lone Star, The National Beer of Texas . This just names a few of the items that will keep the Republic of Texas in good shape. There isn’t a thing out there that we need and don’t have. 

Now to the rest of the United States under President Obama: Since you won’t have the refineries to get gas for your cars, we’ll sell you gas too. We’ll call the gas company Texasco or something like that. Happy to do it. You won’t have any TV as the space center in Houston will cut off your communications or ask you to pay for the signal. It will be Texas Direct TV. Hank Jr. will move here and be in charge of programming. 

Did you know we don’t even have an income tax? 

We have all we need here in God’s country and like I’ve already said, if we don’t have it, we don’t need it. We will have cheap, plentiful energy. The new Texas Secretary of Energy, T. Boone Pickens will be putting up thousands of wind generators all over the West Texas plains and since everybody else thinks Texas is full of hot air, we might as well take advantage of it. 

Good luck. Y’all are gonna need it. 

Signed, The People of Real Texas