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LET ME SHOW YOU HOW TO REPAIR YOUR CREDIT IN 30 DAYS

I’M GOING TO SHOW YOU HOW TO REPAIR YOUR CREDIT IN 30 DAYS 

lauren hershey realtor

THE PROCESS ONLY TAKES AN HOUR. 

It’s not as hard as everyone thinks. Send the letters and then wait for 30-

days for your results. 

 

bad credit miami realtor

All you have to do is write three letters and go to the post office. It’s not as hard as everyone thinks. Simply, send the letters and then wait 30-45 days for your results.

First, check your credit

I recommend pulling your credit report from CreditCheckTotal because they give you all three credit reports plus your FICO score. It only costs $1 and if you cancel within seven days you will owe them nothing. To cancel you call 1-877-284-7942 and send an email to help@creditchecktotal.com. It’s that easy.

Free sites like Credit Karma don’t give you the information that you need to buy a house or really fix your credit. You need all three reports: Transunion, Experian, and Equifax. They all show different items.

Here is what you need to know: The credit bureaus and the creditors cannot just insert anything they want into your credit report, but that doesn’t mean it does not happen. Credit bureaus have 30 to 45 days to remove unverifiable items, and it’s the LAW. I’m not kidding. They have to be in compliance with the Fair Credit Reporting Act, section 611, part B, subsection(iii). So the law is on your side. You can dispute each and every item that is on your credit report. By law, the credit bureau must re-investigate, but again it does not mean they do. In my experience with dealing with them, I have found that sometimes after several disputes, they will send you a letter stating, “I’m sorry this item was already investigated”.

I keep disputing, and eventually, they will delete. If they do not, I will write the courthouse or the collection agency.

Here’s an example of a letter I wrote to the courthouse  in 2015 for my girlfriend:

They wrote her back and they filled out the paper and I sent it to the credit bureau. The item was deleted 7 days later.

Fun tip: The best time to dispute is around Christmas because they’re short of staff.

Note: 64% of the bureau’s complaints were from total strangers finding inaccurate items on their report

HOW LONG DO THE ITEMS STAY and what to look for

  • Your personal credit history – 10+ years.
  • Closed inactive accounts – 10 years from the date of last payment.
  • Derogatory items – 7 years public records seven years from the date of payment.
  • Chapter 7 & 13 – 10 years from the date filed.

Now we’re ready to begin

Pull your 3-1 credit report and circle all the negative items. www.creditchecktotal.com

( Make sure it’s still $1) you have to cancel in 20 or 30 days or they will charge you. So look that up to verify.

Items to look for

  • Credit Inquiries
  • Late payments, past due, and unpaid payments
  • Court Judgements
  • Collections
  • Loan Defaults
  • Repossession
  • Forclosure
  • Bankruptcy

 

Before we draft the letter, we will be handwriting or using an italic font from our computers with a color ink or a colored pen. We are doing this because Experian, Equifax, and Transunion use a machine called E-OSCAR to read each letter. Since we are handwriting, using color and italic, the machine cannot read our letters and a real person will have to.

Note: The envelope must be handwritten. We don’t want to look like we are a credit repair company.

Here is a sample first credit repair letter:

  • Full Name
  • Address
  • City, State zipcode
  • Social Security Number 
  • Date of Birth

 

  • Date 

 

  • Credit Bureau Name ( Example: Transunion)
  • Street Address
  • City, State Zipcode

 

To Whom this may concern:

I was going over my credit report, and I have found that it has many errors. I respectfully request your investigation on the following:

The bankruptcy listed as discharged on 10/20/10 is not mine, and I request that it be removed immediately.

BBBC credit card, account number XXXXXX45678 is not mine; please delete.

Anders Hospital for $296 account #xxxx67896 is not my account; please delete it.

Macy’s credit card account was closed at my request #36789. Please delete.

These listed accounts are not my debts. Please correct this by removing these items from my credit report immediately. Please send an updated copy of the credit report.

 

Thank you Jodi Uchuys

 


IN THE ENVELOPE YOU MUST INCLUDE TWO CURRENT BILLS IN YOUR NAME (ADDRESS MATCHES) & A COPY OF YOUR DRIVERS LICENSE. INCLUDE YOUR SOCIAL AND DOB on the letter. SEND THE LETTER CERTIFIED MAIL. You need to TRACK the letter to see IF THEY DO NOT RESPOND IN 30-45 DAYS. Send one letter to each bureau. (REMEMBER EACH CREDIT BUREAU CAN REPORT DIFFERENT ITEMS SO PLEASE GO OVER EACH REPORT)

ADDRESS TO EACH BUREAU:

  • Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256

  • Experian P.O. Box 4500 Allen, TX 75013

  • TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000

 

This is the second round of disputes example.

 

Collection agency letter example 

 

Fun tip: Best time to dispute is around Christmas. Short of staff. 

Bankruptcy Letter 


Note: 64% of the bureau’s complaints were from total strangers  finding inaccurate items on their report

HOW LONG DO THE ITEMS STAY and what to look for

1.) personal credit history 10+ years
2.) closed inactive accounts – 10 years from the date of last payment.
3.)Derogatory items – 7 years
4.)Public records seven years from the date of payment.
5.) Chapter 7 & 13 – 10 years from the date filed.


Now we’re ready to begin.

STEP 1 

Pull your 3-1 credit report and circle all the negative items. www.creditchecktotal.com

( Make sure it’s still $1) you have to cancel in 20 or 30 day or they will charge you. So look that up.

Items to look for

Credit Inquiries
Late payments
Past due and unpaid payments
Court Judgements
Collections
Loan Defaults
Repossession
Forclosure
Bankruptcy

Before we draft the letter, we will be handwriting or using an italic font with a color pen. We are doing this because Experian, Equifax, and Transunion use a machine called E-OSCAR to read each letter. Since we are handwriting, using color and italic, the machine cannot read our letters and a real person will have to.

Note: The envelope must be handwritten. We don’t want to look like we are a credit repair company. 

 

Here’s is a little bit about me and how I know so much about credit. When I was 26 I got pregnant and my credit was so bad my middle name became denied. I mean I couldn’t even get a gas card. I was pathetic.  All the apartments I wanted to live in would not accept me so it was a disaster,  

While I was pregnant I was on bed rest for 7 months so I read every single book and court case there was about credit repair. After I had my child my credit was around 760.  So I moved into a new house and before I knew it I was fixing everyone’s credit. A year later I was running 4 credit repair offices in 4 different states. So that’s my story. Funny how things happen

If you’re looking to purchase a property and have some credit issues give me a call. My advice is always FREE. 

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