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======================================= The TRUTH About Credit Repair. -by Terry Price. (C) Copyright Terry Price. Credit- Secrets- Bible. net. ======================================= Have you ever wondered what companies. send you when they claim you can erase. bad credit overnight?

All Rights Reserved. www. How about those. ads that say you can get any major. credit card without a deposit or a credit. check? 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! ". Ads abound almost everywhere. these days( online and off) selling. books, systems and secrets to. help you fix your credit. Are these types of claims ALWAYS. too good to be true? While many people would love for. you to believe the only thing that. can fix bad credit is time. The answer is. "Yes and. no" .

In. reality. nothing could be further. from the truth. How. can I back this up? 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. Easy. 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. Under a consumer protection law. known as the Fair Credit Reporting. What s this mean. to you?

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

Creditors will laugh at you if you. try to use them. These are nothing more than form. letters and. quite frankly( more. bad news) the Credit Bureaus and. While I agree with the Federal Trade. 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. Commission( FTC) that" Anything a. This. involves strategies such as" Proof. of Contract" , "Constructive Notice" , "Challenge of Procedure" or. "Restrictive Endorsement" and many. others. 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.

All these terms may" sound" impressive. but they are really quite simple. 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! AnnualCreditReport. com. Either. way, it all starts by requesting a free. copy of your credit report here: http: //www. In the next segment we ll talk about: "Is Your Credit Score Costing. Consumer Publishing Group.

You A Fortune? " ======================================= The" CREDIT SECRETS BIBLE" has been in. print since 1994 and is published by. For more information on the" CREDIT. Credit- Secrets- Bible. net. ======================================= SECRETS BIBLE" you may visit: www.

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