At my last Increase My Credit Scores Workshop I took an informal survey and asked the attendees:

“What Do You Most Want To Accomplish After Fixing Your Bad Credit & Increasing Your Credit Scores?”

The 22 Most Common Responses Were:

1. Purchase A Home – Owner Occupied or Investment Property
2. Refinance Out Of My 1st or 2nd Mortgages
3. Get A Fresh Start After Bankruptcy
4. Obtain Non-Secured Credit Card
5. Get A Better APR (annual percentage rate) On My Car Loan
6. Consolidate My Bills
7. Get Business Lines Of Credit
8. Get Higher Credit Limit Credit Cards
9. Get A Credit Card For My Business
10. Get A Sexier Car For The Same Payment On My Current Junker
11. Get Prestige Credit Cards (Platinum, Gold, Etc)
12. Reduce My Interest Rates On My Credit Cards, Take The Savings To Pay Down Debt
13. Not Have To Put Any Money Down When I Buy A New Car
14. Get Lower Insurance Rates
15. Get Lower Utility Rates
16. Qualify For An Apartment Lease
17. Stop Fighting With My Wife About Our Bad Credit Scores
18. Stop Fighting With My Husband About His Bad Credit Score
19. Get Married, My Fiance Won’t Marry Me Until My Bad Credit Is Fixed
20. Get More Sex! When We Are Not Fighting About Debt And Bad Credit, I Get More Sex
21. Pay Off Bills
22. Prove To Myself That I Can Survive On My Own Without My Ex-Husbands Credit

So as you can see, the reasons are pretty diverse when it comes to credit repair…each of us has our own unique reason for wanting to boost our credit scores and repair bad credit.

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