Do Credit Dispute Letters Work?

Well yes and no.  They have to be professional and not some standard letter.  Do you know how many of these form letters the credit bureaus get.  Thousands a day. 

I have put together forms that are 100% Guaranteed to work.  They are not some form letters that we used to laugh at.  These are letters you can't get anywhere on the internet.  They are mine from years of experience working at a credit bureau.   They use the wording and threats the credit bureaus care about.  I will give you forms that will make the credit bureaus remove items just because they don't want the problems of a civil suit.  

Give me a few minutes to tell you why these forms are one of a kind.

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Did You Know:

1) Under section 15 U.S.C. § 1681s of the FCRA, a wronged party may collect $1000 for each willful or negligent act which results in the violation of the FCRA. Any person may file suit in local court to enforce the FCRA.  I will show you how to use Credit Dispute letters to make the credit bureau's remove items just because they don't want to go to small claims court.

2)  In 2000 the Federal Financial Institutions Examination Council (FFIEC) clarified guidelines on re-aging accounts for delinquent borrowers.  I will show you how to use Credit Dispute letters to take advantage of this legally

3)  There are "soft" and "Hard" Inquires on your report.  I will show you how to remove them with Credit Dispute letters.

4)  Due to conflict of interest all credit report disputes go through a company called OSCAR.  I will show you how to use Credit Dispute letters to take advantage of this fact.

Remember if you Have any Problems You Can Always Email Me for Support.  I Take Credit Repair Very Seriously.

5) Some fraction of consumer credit reports contain errors. A study released by the U.S. Public Interest Research Group in June 2004 found that 79% of the consumer credit reports surveyed contained some kind of error or mistake.. As a result, many consumers frequently invoke their rights under the FCRA (Fair Credit Reporting Act) to review and correct their credit reports.

6) VantageScore is the name of a new credit rating product that is now being offered by the three major credit bureaus (Equifax, Experian and TransUnion). The new product was announced by the three bureaus on March 14, 2006. It is essentially a way for the three bureaus to rival the current dominant player in credit scores (Fair Issac with their "FICO Score").  I will show you how to use Credit Dispute letters to take advantage of this.

7) Unlike FICO’s traditional 300 to 850 scale, the VantageScore goes from 501 to 990

8)  All incoming letters to the credit bureaus are categorized using a point system rating of importance.  I will show you how to have your letters score high.

The First Question I get from everyone wanting to repair their credit is:

Should I use a law firm to Send Dispute Letters and Repair my Credit?

My Answer is always Absolutely NO.......Here's why

1) These so called law firms don't care about your credit at all.

2) You pay them monthly.  Do they really want your credit to get better.  Then they lose the monthly income.  This would not make any financial sense at all.  They want to delay any credit repair as long as possible.  They will try and string you along by getting an inquire removed.  The average customer will stay paying the monthly fee for 6 months.

3) They are dispute mills that don't work

4) You do all the work and they send out some generic letter

5) The credit bureaus know these companies and get thousands of letters from them.  They file them under frivolous challenges.  I know I used to do it

6)If you got thousands of form letters from a company every day wouldn't you send them back a form letter.  We at the bureau knew the law firms just wanted the longest delay possible.  Why? So they can make the most money of course.  It is sort of like one hand washes the other.  Unfortunate but absolutely true!

If you use one of these so called law firms you will see little if any response from the credit reporting agencies.  In a few months you will have realized you have wasted your time and  money.

Well Enough Facts Lets get Down to Business

Ok, Lets start at the beginning.  Recently you have probably found out your credit is not the greatest. It might not be your fault or it might be. 

Your looking around the internet trying to get someone to repair your credit or perhaps you are thinking about doing it yourself.

I first started working in the credit business many years ago.  My first job was working as a loans officer for a national bank.  My job was to get financing for people with very shaky credit.

Much of my pay was commission based.  This really drove me to help people get the loans they needed.  The only way to do this was to rapidly increase their credit score.

At first this seemed impossible but after a chance encounter with a man named Tom Bradley things started to change.  Tom worked at a national credit bureau and we met at a business convention about mortgages.

Tom showed me many techniques on (TM)Rapid Rescoring and Quick Credit Repair Techniques.  Well because of my success at funding these hard to get loans I was given a promotion to loans manager.

Me a Tom stayed in touch and a few years before he retired he got me a job at his credit bureau.  When I first got there I was very surprised at how high up in the company he was.  He took me under his wing and that's when school got kicked into high gear. 

We worked 12 hour days and every second Saturday.  Talk about a lesson on the credit industry.  He showed me things that would be the difference between someone losing their house or not.  It was very powerful stuff.

I could go on and on here about my experience working as a credit bureau manager or how I was a loans officer for 6 years but I won't bore you with all the details.  This really is not about me anyways.  It's about you and your credit.  You can choose to believe me or not.

"Fast Credit Repair With This Simple System.  Get Rid of Your Bad Credit and Debts Forever"

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Those credit bureau's destroy peoples lives.  They track everything about everyone and they don't let people know how they are calculating scores.  It's so stupid.  They sell your information to everyone willing to pay.  They tell everyone they can't change their scores. They tell you to just forget about that house or car or better job.  Or they make you pay crazy interest rates.

I got so sick and tired of seeing these stupid scores ruining peoples lives.  Don't get me wrong the bureau I was working for paid me a lot of money.  After a while though I couldn't live with myself, it became harder and harder to get a good nights sleep.

Well it's your lucky day.  You are about to get the insider information to boost your fico score through the roof.

Have me a former credit bureau manager reveal the legal way to jump your credit score through the roof.

Good credit is essential in America today, and there is a network of credit reporting agencies that keep track of your current credit rating and check your credit worthiness every time you apply for a loan, credit card or any other type of credit. If you feel overwhelmed and confused by your credit situation, this proven credit repair system will amaze you.       

 Remember if you Have any Problems You Can Always Email Me for Support.  I Take Credit Repair Very Seriously.

The Internet,

it's tough to know who to believe. There are so many people making ridiculous claims, it's insane. It's like day after day, you get hit with hype pitch after hype pitch. In a moment, I'll tell you specifically what I can do for you. But first, here is why you should believe me to begin with:

Here are 4 good reasons to believe what I say:

One: I've been in this business for a very long time.  My kind of experience is very rarely matched.  Many bankers and even credit bureau professionals do not know many of these techniques.

Two: I am not asking you for some large investment that is going to make me rich and you poor.

Three: I hate the credit bureau's.  They track our every move, they should be illegal.  Working for one I learned all their little secrets.

Four: How many of these people selling these so called kits have been on the inside.  My guess is none after reading the garbage in most of these packages.  You won't find me hiding behind some PO box. 

You can reach me here: Help@24hrCreditFix.com

TESTIMONIALS:

The testimonials below are just a small sample of people who have consulted me or followed the techniques of this product.  My customers are from all over the country.  My formula works for everyone willing to try it.

"This was the best think I ever did.  Your package made me feel like I had a friend on the inside.  It allowed me to buy my first home.  Thanks." - Peter King, Miami FL

"You helped me get a brand new car.  Let me take you for a spin. LOL" - Susan Ward, Owner of a New Car

I'll show you the steps for removing negative items from your credit report using the secrets, tips, and techniques that credit repair companies use to repair credit. Because of your lack of credit knowledge, they can charge hundreds of dollars for something that you can, and should, do yourself for a few bucks, sometimes even free.

Bad credit is big business and companies reap millions of dollars every year from people's lack of knowledge about their credit and FICO score! How?... With extremely high interest rates, huge down payments, fees, late charges, and penalties.

The Fact Is: You don't need a lawyer to eliminate your debts!

In Fact: You don't need a credit counselor to fix your credit for you!

In Fact: You don't need any kind of so-called professional to help you at all!

Many Times it is actually bad to have a "So Called Professional" try to fix your credit

OK. Let's get down to the good stuff:

• Even if your debt is your fault, find out how to effectively restore your credit rating without being dishonest.
• How to get a no cost $0.00 COPYof your most current credit report!
• How to get the credit bureaus to actually decode your report!
• How to get incorrect, negative and misleading information quickly, easily and LEGALLY removed from your report!
• How to get your spouse's (or former spouse's) negative information permanently disjoined from your credit file(s)!
• How to get your creditors to actually agree to settle all your debts for just a fraction of their original amounts (often as little as 5% to 10%) and at the same time agree to report these newly reduced debts as either "paid-in-full," or "paid satisfactorily!" or even erased like they were never there.
• How to instantly add 10 years of good credit to your credit history for free!

And That's just the beginning!!!

Never be denied or rejected because of credit problems again

Get the mortgage or car loan you want with a low rate and low payments – Credit won’t be an issue

Get the best loans only made available to the “elite” with an excellent credit rating

Get qualified for business loans in a snap

Find out how you can send out one simple letter and erase your bad credit forever (It takes just 10 short minutes and it’s absolutely free!)

Instantly clear up all your bad credit troubles FOREVER - Guaranteed in writing!

Uncover the secret to getting your creditors to actually agree to settle all your debts for just a fraction of their original amounts (often as little as .25 on the dollar) and at the same time agree to report these newly reduced debts as either “paid-in-full,” or “paid as agreed"!

The step–by-step, easy to follow system attorneys and credit repair specialists use to remove negative items from your credit report – PERMANENTLY!

No credit can be just as crippling as bad credit. Learn how