Credit Repair Secrets Presented by: myEcon REV. 102617

DIY CREDIT REPAIR EDUCATION Whether bad credit is new to you or it’s been dragging you down for years, this can be the year you turn things around. As long as you have the motivation, we can guide you through the process every step of the way. DIY CREDIT REPAIR EDUCATION

How long does information stay? Accounts Paid As Agreed 10 years Bankruptcy 10 years Collections 7 years Judgements 7 years Late Pays 7 years Paid Tax Liens 7 years Unpaid Tax Liens Indefinitely How long does information stay?

Strategy Trumps Brute Force Payment History counts the most towards your credit score; however, it is only 35% of the overall count. Smart strategy can pick up 65% in other areas to give you an increased score.

Knowing your credit score won’t do you much good when it comes to credit repair. What you need to know are the negative items affecting your credit score and that means looking at your credit reports. How’s your credit?

Request Your Credit Report Step 1 Helpful Resource: AnnualCreditReport.com Get free credit reports Equifax Experian Transunion

If you are going to be actively involved in repairing your credit, you will want to track your results. Credit monitoring will not only provide you with snapshots of your improvements but it can also alert you to potential problems quickly. Do I need monitoring?

Identify Errors on Your Credit Report Step 3 Identify derogatory items Mark & rank items to dispute Bankruptcy Foreclosure Repossession Loan Default Court Judgments Collections Past Due Payments Late Payments Credit Inquires Less than 2 years old

Write Credit Repair Letters Step 4 4 Dispute Letters Verification Method of Verification Violation of FCRA rights Intent to Litigate Goodwill Pay for Delete

Mail Credit Repair Letters Step 5 Avoid Online Disputes Send via Certified Mail Return Receipt 30 days to investigate Keep good records

Reduce Credit Utilization Step 6 Pay Down Credit Card Debt Income Shifting Strategy W4 Adjustment Minimize Expenses Debt Elimination Software

How do I create new credit history? Taking care of the negatives on your credit report will only get you so far in the credit repair process. At some point you are going to need new, positive credit to boost your scores. How do I create new credit history?

Rebuild Credit Step 7 Add Credit History Check Credit Mixture Department Store Card Secured Credit Card Secured Installment Loan Credit Builder Loans Authorized User Check Credit Mixture Challenge Hard Inquires

Check Disputes Step 8 Be patient with process Don’t give up Exhaust the process Add statement to file Consumer Financial Protection Bureau Credit Attorney

Final Summation Rebuild credit while disputing derogatory items You may not remove all negatives Pay current debts on time Credit improves over time Keep monitoring

Smart Money Kit 26 Step by Step DIY Credit Repair Videos 4 Rounds of Dispute Letter Templates Little Known Re-establish Credit Sources Income Shifting Strategy Minimize Expenses Tool Debt Elimination Tool Investment Calculator One Time Payment of $99.95

As overwhelming as the credit repair process might seem, it’s easier than it looks. It’s also well worth whatever effort it takes to get your credit back on track. The sooner you start, the sooner it’s done, so why not start right now? June Collier Get started today!