The TRUTH About Credit Repair...

Credit Repair

The Credit Secrets Bible

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Have you ever wondered what companies send you when they claim you can erase bad credit overnight? How about those ads that say you can get any major credit card without a deposit or a credit check?

Ads abound almost everywhere these days (online and off) selling books, systems and secrets to help you fix your credit. Many of these programs have claims which read like the covers of supermarket tabloids:

"In 3hrs my credit score jumped from 580 to 676!"...

"Erase bad credit and smash your debts with just 2 Magic Letters!".

Are these types of claims ALWAYS too good to be true? The answer is "Yes and... no".

While many people would love for you to believe the only thing that can fix bad credit is time; in reality... nothing could be further from the truth.

The fact is, time is only one factor which can fix a credit report, but it's a far cry from being the only factor. How can I back this up? Easy.

Under a consumer protection law known as the Fair Credit Reporting Act (a.k.a. the FCRA) the only negative information which can remain on your credit report is not what is accurate... but what can be proved as accurate under the FCRA. What's this mean to you?

It means any negative item on your credit report can only remain there if it is accurate and CAN BE PROVED AS SUCH under the guidelines of the FCRA. This undisputable fact presents consumers with both good news and bad news.

The good news is that through the FCRA your credit score can most likely be improved dramatically in a very short period of time with only a modest amount of effort on your part.

The bad news is that while the actual "work" will take very little of your time, it is vital that you have good information on "how" to go about it.

This is the bad news; 9 out of 10 courses on restoring your credit will do nothing more than lead you into snake pits because they will provide you with what the industry refers to as "Boiler Plate" dispute letters.

These are nothing more than form letters and... quite frankly (more bad news) the Credit Bureaus and Creditors will laugh at you if you try to use them.

While I agree with the Federal Trade Commission (FTC) that "Anything a Credit Repair Clinic can do for you legally, you can do for yourself at little or not cost"... the key element you need for success is the latest inside techniques and procedures to get the results you want.

This involves strategies such as "Proof of Contract", "Constructive Notice","Challenge of Procedure" or "Restrictive Endorsement" and many others.

All these terms may "sound" impressive but they are really quite simple. In the end, it is nothing more than a method of communication which exercises your consumer protection rights, gets the results you want and raises your credit score.

Even more impressive, once you learn how simple it can be by doing it for yourself, you will find there is a fortune to be made doing it for others! Either way, it all starts by requesting a free copy of your credit report here:

http://www.AnnualCreditReport.com

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The "CREDIT SECRETS BIBLE" has been in print since 1994 and is published by Consumer Publishing Group.

For more information on the "CREDIT SECRETS BIBLE" Click here =======================================

-by Terry Price

(C) Copyright Terry Price
All Rights Reserved

Reduce ID theft occurrences

ID theft

Becoming an ID theft victim nowadays is very common, due to all the progress in technology. But don't panic. There are certain steps you can take to reduce opportunities of being a target.

When someone's identity is stolen, he can spend months or even years and financial burden correcting his identity mess. Ensure to follow the steps below to decrease the humiliation and adversity produced by Id theft.

1. Inquire about information security- Businesses, employment, doctor's offices and other institutions accumulate your personal information. Ask who handles and procedures utilized when accessing, disposing and sharing your information.



2. Place passwords- all credit cards, bank and phone accounts that you own should be password protected. Use an unusual password, not the common last four digits of your SSN, your birth date, or mother's maiden name.



3. Protect personal information- guard it at home, especially if you have roommates, work being done in your home or outside workers, employee.



4. Keep information confidential- When possible, insist on keeping your personal information private and from being shared.

* Following the above steps will reduce your ID victim status. Ensure that if you are targeted, Report incident immediately to the authorities and credit reporting agencies.

The major credit reporting agencies are:

• Equifax- www.equifax.com


• Experian- www.experian.com


• TransUnion- www.transunion.com

>Click here to protect your privacy

ID theft

Becoming an Identity theft victim

Identity theft


Identity theft has become a serious problem. Despite your best efforts to control the flow of your personal information to keep it to yourself, experienced identity thieves may use a variety of methods to gain access to your data.

When you are victim of id theft, take the following four steps immediately, and maintain a record with details of your conversations and copies of all correspondence.

1. Place a fraud alert on your credit reports, and review your reports- contact the toll-free fraud alert on your credit report. One company will contact the other two, placing an alert on their report, too. Placing a fraud alert entitles you to free orders of your credit reports.



2. Close accounts you believe have been opened fraudulently or altered- speak to the security or fraud department representative. Ensure you follow up in writing to credit cards and banks involved. Then dispute the concerned account.



3. File a Police report- a copy or a report number can help you deal with creditors and/or track id thieves possibly getting them behind bars.



4. Contact the Federal Trade Commission- Filing a complaint with the FTC can assist by providing information to Law enforcement on a national level to track down id thieves.

When a crime where your purse is stolen, car broken into or house burglarized, ensure that your personal documents are accounted for. If not, report them immediately to the police and obtain further guidance from them.

Click here to protect your privacy

Identity theft

How to Organize your Id theft case

When someone's identity is stolen, he can spend months or even years and financial burden correcting identity mess. Accurate and complete records will help you to resolve your identity theft case faster.

• Develop a plan when you make contact with a company. Presuming that the person you talk to will provide you all the information or help you need is erroneous. Organize a list of questions to ask the representative, as well as information about your identity theft. Ensure you comprehend everything you've been told before ending the call, or ask to speak to a supervisor.



• Jot down the name of everyone you talk to, their comments, and date the conversation occurred.



• Follow up in writing with all contacts you've made on the phone or in person. Use certified mail. You can document what the company or organization received and when by requesting the return receipt feature.



• Maintain copies of all correspondence or forms you send.



• Save the originals of supporting documents, like letters to and from creditors, police reports; send copies only.



• Arrange a filing system for easy access to your paperwork.



• Even if you believe your case is closed, store old files. Once resolved, most cases stay resolved, but problems can crop up.

When becoming an Id theft victim, report incident immediately to the authorities and credit reporting agencies.

Click here to protect your privacy