User's Guide Recreditpair, All rights reserved Unauthorized duplication is prohibited

Transcription

1 User's Guide 2009 Recreditpair, All rights reserved Unauthorized duplication is prohibited

2 Recreditpair User Guide All rights reserved. No parts of this work may be reproduced in any form or by any means - graphic, electronic, or mechanical, including photocopying, recording, taping, or information storage and retrieval systems - without the written permission of the publisher. You may, however, print a copy for yourself to use as a reference guide. Products that are referred to in this document may be either trademarks and/or registered trademarks of the respective owners. The publisher and the author make no claim to these trademarks. While every precaution has been taken in the preparation of this document, the publisher and the author assume no responsibility for errors or omissions, or for damages resulting from the use of information contained in this document or from the use of programs and source code that may accompany it. In no event shall the publisher and the author be liable for any loss of profit or any other commercial damage caused or alleged to have been caused directly or indirectly by this document.

3 Contents 3 Table of Contents Part I About Us 4 Part II Introduction 5 Part III Creating an Account 6 Part IV Using Recreditpair 10 1 Obtain Your... Credit Report 11 2 Learn The Basics Generating Dispute... Letters 13 Step 1 - Personal... Information Step 2 - Enter... Tradelines Step 3 - Printing... Letters Re-Establish... Credit 17 Part V Special Offers and Assistance 18 1 The 12-Month... Guide to Better Credit 19 2 Continuing Education Smart Debt Acquisition Lower My Bills... - Free Debt Consultation 22 5 Protect My Credit

4 4 1 Recreditpair User Guide About Us The Recreditpair Mission Recreditpair is the leader in credit education. Just Google "Credit Improvement Software" and you'll see us in the number one spot. We are dedicated to helping you re-build your credit and teaching the positive behaviors required to maintain good credit. Our goal is to help you save money or avoid embarrassing credit denials when you purchase goods and services on credit. The Recreditpair system is a complete do-it-yourself credit education resource. The system helps you get back on track by walking you step-by-step through the process of ordering your credit report and correctly disputing or verifying questionable items. Good credit is a necessity in life and it goes without saying that if you improve your credit, you improve your life. The Federal Trade Commission says that self-help may be the best method for improving your credit. At Recreditpair, we have a moral and ethical commitment to fight for consumer rights and provide the best self-help tool available to manage your good credit. We wish you the best in your effort to improve your credit. The Recreditpair Team

5 Introduction 2 5 Introduction Knowing Your Credit Score is Not Enough! Just knowing your credit score isn't much help if you don't know how to improve and maintain it. Credit is big concern with consumers today; yet learning to effectively manage personal debt and maintain accuracy in your credit report is a mystery to most of us. To make matters worse, credit repair companies and attorneys charge hundreds, and in some cases, thousands of dollars to perform a service that you can easily do yourself. In fact, the Federal Trade Commission recommends self-help methods for managing credit report content and accuracy. Let s face it folks, there really isn't anyone on your side...but Recreditpair is! Recreditpair teaches the secrets, techniques and tricks that credit repair companies and attorneys don't want to reveal. Recreditpair exposes the information and provides the tools that pay-for-service (sometimes prepay!) credit repair companies use. Recreditpair is a complete do-it-yourself credit education and credit improvement system. Credit Awareness A recent study revealed that nearly 80% of all credit reports contain some form of error. Furthermore, credit has become one of the nation's leading concerns for consumers. Matt Lauer of the Today Show recently revealed that credit has bypassed terrorism as the nation s number one concern. Recreditpair simplifies the complexities of credit and helps you understand how to improve and maintain the best credit possible. There are many books written about about credit improvement. Sadly, many of these books seem to be nothing more than an attempt by the author to prove how much he or she knows by overwhelming the reader with mountains of documents and useless information. Recreditpair is designed to make understanding and improving credit fast and easy. The Steps Towards Better Credit Obtain credit report Review and understand your credit report Dispute or verify damaging information Negotiate with collection companies Establish new accounts Pay current accounts on time Review the responses to disputes Re-verify damaging information that was not corrected the first time Never give up The steps shown above are the foundation of Recreditpair.

6 6 3 Recreditpair User Guide Creating an Account Step 1 - Account Setup Insert the Recreditpair CD into your computer; Recreditpair should open in your web browser automatically. When the Recreditpair web page appears, select Click Here to Create an Account located below the "New Users" section.

7 Creating an Account 7 Step 2 - Terms of Use Carefully review the Recreditpair "Terms of Use". If you agree to the terms of use, click Accept. The next page that appears is "Welcome To Recreditpair."

8 8 Recreditpair User Guide Step 3 - The Recreditpair Introduction Listen to the 1 minute video and carefully review the Recreditpair "Privacy Policy". You can access the privacy policy by clicking the hyperlink provided. If you agree with the privacy policy, click Let s Get Started.

9 Creating an Account Step 4 - Product Registration Enter the Product Key Code found on the outside of your disk jacket - Do not enter dashes "-" or spaces, just numbers. Complete ALL information to create your account Click the Submit button when you are finished 9

10 10 4 Recreditpair User Guide Using Recreditpair After reviewing and taking advantage of the the additional products and services in Recreditpair, you can begin the process of ordering your credit report. The four most important sections in Recreditpair are: 1) Obtaining Your Credit Report 2) Learning the Basics 3) Generating Dispute Letters 4) Re-Establishing Credit The Recreditpair e-book is an invaluable resource and we highly recommend that you take a few minutes to read it. In addition to walking you through a typical credit report, the Recreditpair e-book will teach you how to properly send dispute letters to the credit bureaus. The e-book is available as a link in the "Obtain" and "Learn" folders, but you can also access it by clicking the link below: Recreditpair e-book

11 Using Recreditpair Obtain Your Credit Report The first step towards credit improvement is ordering a credit report. You cannot move forward with Recreditpair until a current credit report is obtained. Within the "Begin Recreditpair" portion of main progress bar (highlighted in black), there is a series of tabbed folders, the first of which is labeled "Obtain". It is here that Recreditpair provides the means for ordering your credit report. Once you've successfully obtained your credit report, you can begin the process of analyzing its content for errors. The next tabbed folder labeled "Learn" will teach you just that; how to read and interpret what is on your credit report.

12 Recreditpair User Guide Learn The Basics In "Learn the Basics," Recreditpair carefully walks you through understanding what a credit report is, who records the information in your report, and how that information is reported by your creditors. In addition, the you will learn about the responsibility of the three main credit bureaus and what a credit score is. Finally, you will learn what you can do to change or eliminate inaccurate information from your credit report. "Learn the Basics" also provides links to relevant consumer credit law and is home to the Recreditpair e-book. The e-book is a "living" book in that it is frequently updated with the latest revisions to credit law and practices. The e-book contains more detailed information about the topics introduced in the video segments. Check the e-book frequently for new and updated information.

13 Using Recreditpair Generating Dispute Letters After obtaining a credit report and understanding the basics of credit improvement, you are ready to dive into the real value in Recreditpair...generating dispute letters. This powerful feature walks you step-by-step through generating and printing letters to one or more credit bureaus and requires no writing skills or special knowledge whatsoever. Simply click the "Launch Letter Generator" button the Recreditpair letter generator do the hard work.

14 Recreditpair User Guide Step 1 - Personal Information Letter Generator - Page 1 There are two screens required to produce a dispute letter; personal information and trade line information that you wish to verify or dispute. The first screen contains fields for your name, current mailing address, and social security number. You cannot generate a proper dispute letter without this information completed accurately. Recreditpair saves your personal information for future letters, but it does not save your social security number; this is for security reasons. Even though you are accessing Recreditpair over a secure connections (https = secure socket layer or SSL), your social security number might still be compromised, which is why it is not saved.

15 Using Recreditpair Step 2 - Enter Tradelines Letter Generator - Section 2 The second screen deals with the actual trade line(s) being questioned and the type of dispute or verification you wish to transmit to the credit bureaus. Recreditpair includes several templates embedded in the software to make things easy. You choose from one or more of the bureaus reporting the item(s) in question plus the number of trade lines being disputed (up to 4 in one letter) and the type of letter via a drop down list. The auto-populated text fields are completely changeable, which allows you to customize your letter.

16 Recreditpair User Guide Step 3 - Printing Letters To generate the actual letter for preview and printing, click the "Print" button located at the bottom of the page (shown in the previous section). Recreditpair produces original letters and one file copy for each bureau selected. The file copy is for your records to help keep track of this process. Review the Recreditpair e-book for information on how to properly mail your letters to the credit bureaus. Sample Letter Generated by Recreditpair

17 Using Recreditpair Re-Establish Credit The definition of credit is the acquisition of debt. Simply disputing what is on your credit report is only part of the credit improvement process. Acquiring new debt, such as an auto loan, and making timely payments is also an important part of the credit improvement process. Once the you obtain your credit report and follow the processes outlined in "Learn the Basics" and "Generate Letters", it's time to re-establish new credit or pursue debt consolidation. Recreditpair contains important links in the "Re-Establish" section that can help you rebuild credit and save money.

18 18 5 Recreditpair User Guide Special Offers and Assistance A Complete Credit Education System If you don't already know this fact, the Recreditpair system is free. After establishing a new account, your can feely begin the process or learning how to improve your credit at no cost. However, Recreditpair also has important offers, educational tools plus financial products and services in the system. These additional products and services are there for your benefit and can help you expedite the credit education and improvement process beyond the free software. Like the pull lever on a parachute, these offers are only suggestions. Your can truly benefit from taking advantage of these offers.

19 Special Offers and Assistance The 12-Month Guide to Better Credit Recreditpair offers a monthly "How To" guide that informs you of the best practices you can use to avoid costly mistakes and stay organized during the credit improvement process. Each month, you will automatically receive an with the the current issue attached.

20 Recreditpair User Guide Continuing Education Recent studies have shown that 80 percent of all credit reports contain errors. It's your responsibility to ensure that your credit history is as accurate as possible. We've extended the Recreditpair credit education system to include the following products to help you increase the chances of success: The Recreditpair Book - Over 200 pages of useful information to help achieve and maintain better credit Jim Longacre's Credit Improvement Seminar on DVD - Get a front row seat to Jim's national seminar The 25 Best Kept Secrets that Credit Repair Companies and Attorneys don't want you to know The 25 Biggest Mistakes You Can Make with Your Credit First issue of the Recreditpair Newsletter

21 Special Offers and Assistance Smart Debt Acquisition One of the most important behaviors you should practice in re-establishing credit is smart debt acquisition. A secured credit card that reports to all three credit bureaus is a good way re-establish credit. We've included an offer for just such a card.

22 Recreditpair User Guide Lower My Bills - Free Debt Consultation If you have large amounts of debt, getting a free debt consultation is a good way to help understand your options in reducing monthly payments and total overall debt. Even if you choose not to pursue debt consolidation or debt reduction, the consultation you receive in the Q & A process is well worth the effort.

23 Special Offers and Assistance Protect My Credit It is extremely important for you to protect your identity and monitor your credit on a regular basis. After all the hard work you've put into maintaining accuracy in your credit report and re-establishing new credit, it would be a shame for some unscrupulous individual to steal your identity and ruin your efforts. Because identity theft can happen anytime, anywhere and to anyone, we've included a discounted offer for a national company who provides identity theft protection.