How To Fix Your Credit Report

How To Fix Your Credit Report

If you have ever wondered if you can fix your credit report, the answer is yes. There are methods that allow you to fix your credit report One method is to hire a credit repair company to repair your credit. This is simple but expensive Increase your credit score for a free initial consultation click here You can dispute negative items with the credit bureaus. If the creditors do not verify the negative items within 30 days then the items must be removed from your credit report. This rarely works. When the credit bureaus contact the creditors the creditors will almost always verify the debt whether they have proof or not. Here’s the best way to fix your credit report. Get your free report here. Go to www.gofreecredit.com/tu-credit-score-full/ and order all 3 credit reports. Review the reports for negative items. Send creditors reporting the negative information a debt validation letter. In this letter inform them they need to send you items such as assignment of debt, a document showing they have the right to collect this debt from you, and the contract you signed with the original creditor for the products or services they provided, etc. Under fdcpa law if they cannot provide these documents these negative items must be removed from your credit report. In my book “ Confessions Of An Ex Bill Collector” I reveal the step by step procedure for obtaining validation of the debt that has been very successful for myself and many of my clients in removing these negative items from your credit report. The next way is to sue the creditors in court, requesting removal of the negative information from your credit report. Many times the creditors or the debt collectors will not show up to court because you are not suing them for money and just ignore the summons when they are requested to appear in court. When they don’t show up to court you receive a default judgment against them. Send a copy of the judgment to all credit bureaus reporting this negative information. Because this is a court order inform them in a certified letter to delete

the items.

Now that you know how to fix your credit report, now you need to know how to add positive trade lines that will further increase your credit score. Go to .creditrevivors.com and select a minimum of 3 secured credit cards. These cards are easy to qualify for. You make a deposit in a savings account in their bank that secures your line of credit. Next go to this link: www.oxp.to/WilliamDavis and apply for the $2500.00 line of credit. This account reports to Equifax so it can further increase your credit score. We have a trade line available that gives you a $12,500 revolving line of credit that reports to Transunion increasing your credit score. Email me at billdavis430@gmail.com for exciting details. Learn more strategies order my book “Confessions of an Ex Bill Collector”,