10 Step Credit Repair
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Credit Ebook

Are you tired of living like a second class citizen? Whether you want to believe it or not, your credit score matters more than your name! You are no longer John Q. Public, but you are 255-55-5555. That’s right, you are just a credit score when it comes down to it.

Potential employers, insurance companies and even some hospitals check your credit score.

Mobile phones, cable, utility and cable providers all will demand high outrageous deposits if your credit profile is sub par.

If your score is too low, you won’t be able to get approved for a credit card. That means you can’t even rent a car from the airport… and how embarrassing is that?! We all need a credit card in case an emergency arises.

You too can live the American dream of driving nice cars with no down payment, high limit charge cards and owning your own home. All of your past mistakes can be erased from your credit reports. All collections, charge offs, tax liens, repossessions, inquires and even foreclosures! This report will show you how.

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Don’t waste another day with bad credit. Live life to the fullest today! Get your step-by-step report today!

****ADDED BONUS*****

HAVE YOU EVER DEFAULTED ON A BANK ACCOUNT BEFORE AND IT CLOSED WITH A NEGATIVE BALANCE?

THERE ARE A FEW SEPARATE CREDIT BUREAUS THAT TRACK THIS INFORMATION, APART FROM THE BIG 3.

THIS MAKES IT NEARLY IMPOSSIBLE TO GET ANOTHER ACCOUNT. AND AS AN ADDED BONUS THIS REPORT WILL SHOW YOU HOW TO RESTORE THOSE FILES AS WELL!!

Fix Your Credit Now

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KEY POINTS TO CONSIDER

  • As soon as you hire a credit restoration company, you give up most of your consumer rights and credit restoration is almost useless. The bureaus have a tricky way of knowing this. Keep the law on your side and save money at the same time. Do it yourself!
  • Just about every federal law is on YOUR side. The Fair Credit Reporting Act protects you, the consumer, so that these big multi billion dollar corporations “The Credit Bureaus” can’t take advantage of you.
  • Many of the collection agencies are owned by the credit bureaus. That’s right! That collection letter you received in the mail about a past due bill most likely came from one of the bureaus. This is why it’s so important to know your rights.
  • The credit bureaus are simply record keepers and nothing more. They are in the business to make money. They are not doing a public service. They sell your information over and over again for profit.
  • When you perform a dispute online, you give up the consumer protection afforded to you in The Fair Credit Reporting Act. This is why it is always best to perform disputes via the US Postal Service. The dispute letter you send in does not even get a chance to be seen by a pair of human eyes. The credit bureaus use a high tech web based software called e-Oscar, which basically scans the dispute and then attempts to categorize the letter with a two-letter code. As of 2019, there are 26 codes that e-OSCAR uses, some of which are “Not his/hers” and “Claims account closed.”
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WHAT DOES THIS MEAN?

This means that the bureaus are counting on this computerized system to sort through the thousands of letters quickly, put them into categories, and then attempt to quickly verify the accounts using information that is easily accessible. Now this is where mistakes occur and affect you, the consumer.

        

So, what does this all mean? It basically means that you cannot simply send in the same letter everyone else is using and expect different results (i.e., small chance of getting items removed). In this report, I will show you what to send and how to send it in an easy ten-step process.

DIRECT FROM THE e-OSCAR WEBSITE

e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers (DFs) and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and Transunion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send “out-of-cycle” credit history updates to CRAs.

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Success Stories

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Almost all of the laws in THE FAIR CREDIT REPORTING ACT are on the consumer’s side. That means you have an advantage when you go against the credit bureaus. In this report, I will show you step-by-step how to take advantage of the laws that protect you, the consumer. 

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Credit problems happen and we are here to help.