REAL RESULTS -ATTORNEY PREPARED- CREDIT REPAIR DIY LETTERS. Louis-Jamel

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1 REAL RESULTS -ATTORNEY PREPARED- CREDIT REPAIR DIY LETTERS Louis-Jamel

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3 REAL RESULTS CREDIT REPAIR D.I.Y. LETTERS REAL RESULTS Written by: Louis-Jamel

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5 REAL RESULTS CREDIT REPAIR DIY LETTERS 2012 Author Louis-Jamel, City of Victorville, California All rights reserved. No part of this book may be reproduced or transmitted in any form or by any means without written permission from the author.

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7 INTRODUCTION Cleaning your negative credit is not hard. In fact, repairing your credit is pretty easy if you have the right information. These simple-to-follow Attorney Prepared Credit Repair Letters are the correct information. Do not let the plainness of the letters fool you. IT WORKS! Although results do vary it may take you a few times of sending the letters, eventually this method of repairing your credit will work to completely clean your credit file of everything that needs to be removed. As I mentioned earlier IT WORKS!!! I will show you my personal success with my very own credit cleaning results. Also, I ve included a step-by-step instruction to get the same exact results I did. And last but not least I ve included 12 fully Attorney Prepared D.I.Y. (Do-It-Yourself) Credit Repair Letters, so sit back get comfortable take good notes and get - Louis-Jamel

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9 Here is HOW it works: There are three main Credit Reporting Agencies (CRAs) or bureaus. They are Equifax, Experian and TransUnion. When you encounter in a credit transaction with a bank or other creditor normally this information will be reported to the CRAs and put into your credit file which is indexed under your social security number. It is important to understand that this method of reporting is completely electronic. There is no verification or review of any signed contract or documents. Each month your bank or creditor sends an electronic file with the details of your account to the CRAs and they simply place the information into your credit file with NO VERIFICATION as to whether the account is valid, the information is correct, or if the creditor even has the right to report it! Primarily, the three major credit bureaus give the creditor the benefit of the doubt that they are reporting accurate information. The problem with this method of reporting is that ANY CREDITOR can vitally report whatever they want about you whether it is correct or not. The Federal Government saw a big problem with this method of reporting so they passed the Fair Credit Reporting Act (FCRA) which governs all Credit Reporting Agencies and how they report information about you.

10 Under Federal law, all Credit Reporting Agencies MUST VERIFY ALL INFORMATION received from creditors BEFORE this information is added to your credit file. Proper verification rightly involves actual review the original signed creditor contract document that you signed when you opened a credit account in order to verify that the account is valid and correct. But since reviewing millions and millions of paper documents in this manner would be extremely difficult and cost alot in man power the Credit Reporting Agencies just DO NOT verify accounts in this manner. No verification of original signed contract documents ever takes place between the creditor and the Credit Reporting Agency. The CRA just reports the information provided by your creditor and falsely assumes that it is valid and correct just because it is being reported. When asked to VERIFY the information the CRA will simply send an electronic communication to the creditor asking, is this information correct and the creditor will usually respond yes this information is correct. The PROBLEM IS, NO ONE EVER REALLY VERIFIES THE ACTUAL SIGNED CONTRACT ACCOUNT DOCUMENTATION. Most consumers HAVE NO IDEA that this is taking place. The Credit Reporting Agencies are in violation of Federal Law and they know it. But since most people do not know their rights they don t do anything about it. PRIOR TO NOW!

11 Although well over 70% of credit reports have INCORRECT ITEMS on them, the vast majority of negative items on a typical credit report are in fact VALID. Therefore, if you simply dispute all the negatives on your report using a traditional disputing process, those that are valid will most likely be verified by the credit reporting agencies and remain. Nothing will change. For this reason, many people falsely believe there is NO WAY to remove valid derogatory information from their credit report and actually give up. But nothing could be further from the truth. Using the Attorney Prepared D.I.Y. Credit Repair Letters, it doesn t matter if the negative account is valid or not. This letter works because it disputes the CREDIT REPORTING AGENCIES RIGHT TO REPORT THE NEGATIVE ITEMS and NOT if the account is valid or not. The Attorney Prepared D.I.Y. Credit Repair Letters simply requests under Federal Law that the Credit Reporting Agency (Experian, Equifax or TransUnion) provide you a COPY of the original creditor contract which they ( SHOULD HAVE ) USED to verify the account as being valid and correct. The CRAs are required under federal law to keep this information on file. But since the CRAs DO NOT verify the account information they DO NOT have this information on file and as a result they CANNOT provide it to you. Under the FCRA, Credit Reporting Agencies must provide a copy of the verifiable original creditor documentation if it is requested by you the consumer. Since they cannot provide verification to you in the form of a physical contract document per your written request to do so the account is classified as UNVERIFIED and under the FCRA

12 ALL UNVERIFIED ACCOUNTS MUST BE DELETED. Whether the account is correct or not makes no difference. If the CRA does not provide you with physical verification of the account it is an UNVERIFIED account and MUST BE DELETED. This is WHY and HOW the Attorney Prepared D.I.Y. Credit Repair Letters work, and give you! Keep in mind results will vary. You might send a letter and get all of your derogatory information removed. Or you might send a letter and only get a few accounts deleted. It is important to be diligent and persistent. If after sending the first letter and derogatory information remains then simply send the next letter emphasizing that it is your 2nd Written Request to receive verifiable proof of the account or have it deleted. Eventually, you will find that your derogatory accounts will begin to disappear. For some people it happens quickly and is quite easy and for others it can be a fight. So be prepared to go through a few rounds of letters if required.

13 What to Expect: When you send in your certified letters to the CRAs many times they will attempt to ignore your request and send you bogus reply responses. Expect to receive any number of responses that might try to scare you from pursuing the issue further. Experian, Equifax or TransUnion might send you a letter saying something like: We received a suspicious request regarding your personal credit information that we have determined was not sent by you. We have not taken any action on this request and any future requests made in this manner will not be processed and won t get a response. Ok, no need to worry this is normal for them to do. Exactly HOW did they determine it was not sent by you. The letter was notarized and included a copy of your SSN & ID Card. To further scare you into subjection, they may also include something like this: Suspicious requests are taken seriously and reviewed by security personnel who will report deceptive activity, including copies of letters deemed as suspicious, to law enforcement officials and to state or federal regulatory agencies. As a way to stall, they may also send you a bogus reply stating they need to confirm your identity and request that you mail them proof. But in your dispute letter you included a notarized copy of your identification which is

14 proof! So the reply is nothing more than an attempt to stop and discourage your efforts. DO NOT BE FOOLED BY THIS!!! These are nothing but scare tactics to make you give up. If you do happen to have some problems from the CRAs don t be alarmed and DO NOT give up. Just send the next letter and remind them it is your 2nd Request! Keep sending the letters DEMANDING the CRA either provide the verifiable proof or DELETE the item. It may take a few letters and determined persistence but all unverified items must be deleted. In the extreme case where the CRAs try to ignore your multiple written requests, you can file a lawsuit and sue the CRA for damages under the Fair Credit Reporting Act (FCRA) and/or file a formal complaint with the Federal Trade Commission ( for violations of the FCRA. You can file your complaint here:

15 Let s Get Started Cleaning Your Credit: Under Federal Law, once a year - you can receive a FREE credit report from each of the three main Credit Reporting Agencies. First Step: Pull your Credit Report from Experian, Equifax & TransUnion. Go to: to get your FREE reports. (Note: if you have already used your free report for the year you may have to purchase a new report) Second Step: Review Each Report & Identify NEGATIVE Items to be Removed Use the Attorney Prepared D.I.Y. Credit Repair Letters at the back of this book for Experian, Equifax or TransUnion and just copy the negative information from your corresponding credit report into the letter to send to the Credit Reporting Agency. Note: Only dispute a maximum of 20 accounts at one time. Attempting to dispute more than 20 accounts at one time could cause the CRAs to classify the dispute as trivial. Third Step: Notarize Letter & Include Copy of Social Security & ID Card After you have completed each letter, simply have your signature notarized, include a photocopy of your Social Security and ID Card (Driver s License or Passport) as proof of identity and mail the letter CERTIFIED MAIL. (This will enable you to track delivery of your letter and provide proof that it was received by the CRA)

16 The next step is to watch the mail closely for responses from the CRAs. If you receive a response and some negative items were not removed AND the CRA DID NOT provide you written verifiable proof per your written request then send the next letter in the steps. It is recommended that you open (3) file folders one for Equifax, Experian and TransUnion and keep very detailed records of your communications with each Credit Reporting Agency. It is important that you establish a paper trail history of your efforts to enforce your consumer rights under the Fair Credit Reporting Act. DOCUMENT EVERYTHING IN WRITING. Keep copies of letters, certified mail receipts, response letters, notes etc. Over a period of time, you will build a very strong case against the CRA and this evidence will be invaluable should you ever have to go to the unusual extreme of filing a lawsuit to receive damages. This brings us to the end of the e-book. Thank you again for making this important choice to improve your financial future. I hope this very valuable information you learned by reading this book will serve you well and help you completely clean your credit. To Your Success, Louis-Jamel

17 SAMPLE LETTER 1 January 1, 2011 Your Name Address City, State Zip SSN: DOB: 1/1/1970 Equifax P.O. Box Atlanta, GA According to the Fair Credit Reporting Act, Section 609 (a)(1)(a), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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