Saturday, December 19, 2015

How To Write Bureau Dispute Letters - Part 1

You can have success with your credit repair by just disputing items with the credit bureaus.  Though that is what many credit repair companies use for their services, I personally believe to eliminate the alleged debts, you need to demand validation from both creditors and collectors in addition to disputing with credit bureaus.  When you are repairing your credit, even if you don't want to do validation letters, you absolutely must dispute with the credit bureaus.

I get quite a bit of emails from people who are not sure how to dispute with bureaus and need help with what to say, how many items can you dispute at a time, whether or not you should dispute each item individually, and a number of other questions relating to bureau disputes.  I'm going to try to answer most of them here and give you examples of how to dispute the different types of items. I'm breaking this up into 2 posts because it will be quite lengthy if I do it in just 1.

Let's start with the first part of disputing with credit bureaus.

I want to suggest to you when you start working on your credit, that you do a couple things prior to the actual account disputing. First, Opt Out from all 3 bureaus. What this means is that you do not want them selling your information for marketing purposes.  You can do it by phone or in writing or online.  


By Phone:

(888) 567-8688 - This will opt you out for 5 years.

Online:
http://www.optoutprescreen.com – you can opt out for 5 years or permanently. If you want to permanently opt out, you will need to mail in a form they provide on the site.

By mail:
You must contact each of the bureaus separately to opt out by mail.

Experian
Opt Out
PO Box 919
Allen, TX 75013

TransUnion
Name Removal Option
PO Box 505
Woodlyn, PA 19094

Equifax
Options
PO Box 740213
Atlanta, GA 30374

The next thing you should do is to look through each of your credit reports and note every name variation that is not correct, any addresses that are old and tied to something negative, and any phone numbers, employment or other personal information that is old, not correct or that you just don't need any collectors getting hold of.  Dispute each of these things with the credit bureaus.

A typical dispute for personal information is as follows:
"You are reporting names that are not me.  I have never used them, they are not aliases, they are flat out not me and don't belong on my credit report.  Remove these names please."  Then list the names that don't belong to you.

"You are reporting addresses on my credit report that I don't live at, don't belong to me, and I don't recognize. You obviously have someone else's address information on my credit report and because it's inaccurate you must remove them immediately."

Keep doing this with each personal information item that you want removed. Usually they remove them pretty quickly.  They might fight back on the addresses if they are tied to public record information, so you might need to go after them several times.  Experian is the worst for removing addresses, so just be aware of that.

At the same time you are disputing your personal information, if you have any public record information, you need to write to the court and/or county recorder and ask them if they furnish information to the credit bureaus or if they verify with them either.  You will want to tell them that you are only inquiring about what they do, and that you are not interested in the dispute process or being given some information from some court website about how long public records stay on your credit.  Just tell me does your court actually furnish or verify any information with credit reporting agencies,  You will need to include a self addressed stamped envelope with your inquiry so that they will send you the response as quickly as possible.  I actually have a letter and form that I am willing to share that is sent to the court clerk and county clerk that says what I just wrote above.  You'll need to email me for that.

So, we will get to the actual account disputing with credit bureaus on the next post,  If you have any public records that you will be attempting to remove, please email me for the court clerk and county recorder letters.  Also mention the FTC Staff Opinion Letter as that will be instrumental in removing public records as well and you'll need it when you start your disputing of those items.

My email address is up above on the right hand side, but here it is for those who can't see it on their phones.  futurefico@gmail.com

If you have found this blog helpful to you, please consider donating as a sign of your appreciation for information I have freely given to you.  The "Donate" button is on the right side bar.  Thank you for your generosity.

Sunday, September 13, 2015

How To Make Original Creditors Validate An Alleged Debt

Anyone who has studied the art of credit repair for any length of time knows that when you get attacked by a collection company, you fight back by hitting them with a demand for validation.  But that's for 3rd party collectors, not original creditors. In fact, if you send a letter to an original creditor demanding validation, sometimes you'll get a response from them proclaiming they don't have to validate but as a courtesy, they investigated and they are accurately furnishing information.  They do this to make you give up and go away.

However, there is a way to get them to "validate" without calling it validation and they are required to produce it for you.  Remember a while back, for those of you who have read through my blog posts at least a bit, I explained and defined validation and verification. Validation is the PROOF, the documentation that goes hand in hand with verification.  

So, to be able to have the right to demand the proof that they are accurately reporting, first you must dispute the alleged debt or the account with the credit reporting agencies (CRA's).  This is also compliant with FCRA section 623.  Once you have disputed with the CRA's, they have 30 days to investigate and send you the results of their investigation.  They will send you the results of their investigation and usually at least a partially updated credit report showing that the items disputed have been updated, remains, deleted or verified.

If the results are anything other than deleted, (including "updated" but the problem is still there) this is your open door to make them validate the alleged debt.  Now you can write a letter directly to the creditor saying something similar to the following:

Dear whoever,

I have some concerns about this account and the way you are furnishing the information to the credit bureaus. I don't think the information is accurate. (I'm going to give several different things here that might be an issue you'd bring up).  You say this is charged off but then you claim a balance is still owed to you when we both know that charging off an account puts a $0 balance in your books. The lates you are reporting are not correct.  The history you are reporting is so wack there's no way that it is accurate.  There are all sorts of blank fields on my credit report where you should have reported information. That means the information you have furnished is inaccurate and incomplete and the FCRA says you are required to correct the information or delete it.

When I saw how you were reporting information to the credit bureaus I disputed the accuracy.  Now I have the results of their investigation and it shows that you claim to have verified this account. Since you claim to have verified this account (or updated it for the mere act of putting an "in dispute" comment), I now have the right to have you prove you are furnishing accurate information to my credit reports.

Here is what I am now demanding from you:
Please provide copies of the actual documentation you used to "verify" this account with the credit bureaus.  Here is a list of items I need from you.

Then you start listing items like you would with validation demands from collectors except you don't need proof of assignment or bill of sale from the collection agency. Demand the usual stuff like a certified copy of the original contract, full accounting from origination to present, copies of cancelled checks proving late dates, etc.  Here's some fun stuff to ask them to send you: proof they lent you actual money and where did they get that money from since its against the law to lend money from their assets or their depositors' assets, and its definitely against the law to lend credit. 

Oh, oh, how about insurance?  Now you all know that investors always insure against loss of their assets. Creditors are really just investors.  They are allowed to file a claim against asset loss at 90 days of the customer defaulting on their alleged debt. Yes, that insurance claim results in them receiving a check to cover the balance of the alleged debt they claim is owed. That means that the debt has been paid in full. Let's not forget about tax credits, Oh yes, they file a "profit and loss" claim with the IRS because supposedly they lost money when you defaulted.

How convenient of them to quickly forget that they got paid by insurance on that alleged debt which they never really lent any money or credit for. You funded your own line of credit. I know its hard for a lot of people to comprehend AND accept this because its just not something that they ever teach you. Its something that they don't want you to know.  They don't want you to realize that they are the fraudsters that never lend anything, are never really creditors but merely servicers, insurance fraudsters, tax fraudsters, and lying thieves.

Enough of my ramblings about the enemy. The point is that you can demand that they prove you owe that charged off amount. You can demand that they are accurately reporting late payments and that the history showing on your credit reports is correct. You can demand that they delete the information from the credit reports should they not be able to send you the documentation.  If they don't, well they are violating the FCRA.

I wish I could tell you that you can enforce their compliance, but then I'd be a liar. You can try to enforce it, and you can rat them out to the CFPB and the FTC, and the BBB and your Attorney General, and even sue them. But it all comes down to whether they back down and obey the law or just continue being stubborn, arrogant, and outside of the law. I suggest never giving up. Keep going at them, wear them down, keep calling them out, and yes report them to all of the above agencies.  The squeaky wheel does get the grease and whoever gives up first, loses.  Don't give up! Hang in there and win! 

If you are tired and feeling like giving up or you have collections and charge offs on your credit report and would rather have some help instead of doing it yourself, I understand and would love to help you. Feel free to contact me at the email address listed above, just a little below my picture.

If you have found this blog helpful to you, please consider donating as a sign of your appreciation for information I have freely given to you.  The "Donate" button is on the right side bar.  Thank you for your generosity.

Tuesday, July 28, 2015

Removing Default Judgments From Credit Reports & Public Records

Have you ever gone and applied for credit or pulled your credit to qualify to buy a car or house and the finance manager or loan officer tells you that you  have to take care of a judgment in order to qualify and you say, "What judgment?"  I hear it quite a bit. This usually happens because you got sued and never were properly served. I see this happening a lot to people who have been sued by 3rd party debt collectors.

If you've read much of my blog, you know that I absolutely loathe debt collectors. These companies are the scum of the earth.  They have no business meddling in your life. They play dirty, violate the law, and should never get a dime from any consumer.  What is really rotten is when they sue you.  They file a lot of lawsuits because they know that most consumers will not fight back and they get default judgments.  If they think you might be a fighter, or they just don't want to take the chance of that, many times they will improperly serve you a summons and complaint or not even serve you at all. If you don't know about the lawsuit, you won't fight it and they'll win by default.

Courts do NOT furnish these judgments, or any judgments for that matter, to your credit reports. They don't verify them with the credit bureaus either when you dispute them.  These are furnished to the bureaus by data diggers. They scour the public records to find new public records and I believe they are paid to furnish them to the credit bureaus.  These data diggers are considered "Vendors" by or to the credit bureaus and they are the ones who both furnish and verify the disputes with the credit bureaus.

This really pisses me off because they are not qualified to do either of these things and when you demand that the bureaus give you the contact information for the person who verified, they lie and give you the court's address and contact info and never expose the true furnisher of the information nor who claims to have verified the information.  I say that they are not qualified because in order to verify something, you have to have first hand knowledge and the full documentation to back it up. They have neither.

But let's talk about how you remove them. Before I explain the following process, let me state that paying off a judgment does not make it come off your credit report. When you are repairing your credit, you will dispute the judgment with the credit bureaus.  You need to give a specific error.  You can say things like, I have never had a valid judgment for $xxx.  Or, I didn't lose any lawsuit on 1/1/01 or whatever date they are reporting.  You need to spin it if it looks sort of accurate.  You can challenge the court location, dates, amounts, plaintiff, missing information, inaccurate information, even the age being obsolete if its too old to even be on a credit report. You must be VERY CAREFUL not to admit anything about the judgment.  Use "I don't recall..." if you have to but don't even hint at admitting to it.

At the same time you are disputing with the bureaus, send a letter off to the court requesting their method of furnishing information and verifying information with the credit bureaus.  Do not get specific. Do not include your social security number. Do not include any case numbers. Do not reference ANY specific case.  You are only inquiring about whether or not they furnish information and verify information with the credit bureaus.  Make sure you include a self addressed stamped envelope so that they can send you a response quickly.

You should have the response from the court back before you even get your bureau responses back. This is most of the time.  Sometimes courts fail to respond.  When this happens, I think that there's a clerk or court employee that is intentionally trying to make it difficult for you to remove your public record items because they believe you deserve it.  I'm just very suspicious of them like that. I like to see the good in people but I've seen so much that I just have a hard time giving them the benefit of the doubt.  Anyhow, hopefully they will answer your inquiry properly so that you will have some good ammunition for your next round of bureau disputes.

Hopefully your bureau disputes will come back showing that the judgment has been deleted.  But if it comes back as "Verified", you will need to do another round.  This time, your dispute will be, you told me to contact the court regarding the verification of this item. Please see the attached letter I received from the court when I did as you told me to do. They had nothing to do with this information and they certainly didn't verify it.  Please either give me the contact information of the liars who claimed to have verified this or delete it.  Make sure you have attached a copy of the letter from the court and you can also include an FTC staff opinion letter that I use and highlight, that states bureaus are allowing inaccurate public record information on credit reports.

This time, your bureau responses should come back showing the judgment deleted.  But, sometimes they do, sometimes they don't. Bureaus will occasionally claim they can't use the supporting documentation that you sent with your dispute and its still verified.  Even though the correct and lawful response would be that it has been deleted, unfortunately, bureaus are big lawbreakers too.

We are moving on now to the next section. Whether or not you removed your judgment from the credit report it will still be in the public records.  If you are buying or selling property, when they do a Title search, they will find this judgment and underwriting for your mortgage may require that you pay it off as will escrow for sellers to be able to close.  Credit repair does NOT remove the judgments from public records.  But, getting the judgment vacated with the court sure does!

Now, this is good for everyone who hasn't been able to get it off the credit reports.  I also want to reiterate that this is ONLY FOR DEFAULT JUDGMENTS!  Removing a judgment from a public record should cause your next dispute to the bureaus to finally delete it off your credit reports.

DISCLAIMER:  THIS IS NOT LEGAL ADVISE!! THIS IS "HOW TO" INFORMATION BASED ON MY OPINIONS, MY EXPERIENCES, RESULTS FROM PUTTING IT INTO PRACTICE AND MY KNOWLEDGE GAINED FROM RESEARCH AND PRACTICAL APPLICATION RESULTING IN CONSISTENT SUCCESSES ONLY. I AM NOT CLAIMING TO BE A BAR ATTORNEY. (I refuse to stoop to that level or be insulted to that degree).

You will need to get the judgment vacated at the court level. This means you will need to file a Motion to Vacate and Set Aside the judgment, and Motion to Stay the Execution of the judgment. You will also need an Answer to the lawsuit which will be entered as an attachment to your Motion to Vacate.

Court rules vary from state to state and county to county. Sometimes courts have rules specific to that court.  There are 2 arguments that can be raised to get a judgment vacated.  The first one is the one most often used and pretty much the only one that an attorney would use. It is a Motion to Vacate for Lack of or Improper Service.  What this means is that you weren't served at all or they didn't serve you properly.  They may have served the wrong address. But for whatever reason, you were not timely and properly notified that you were being sued.  There is also an argument to be made that you were in the hospital at that time or out of the state/country, and didn't get served properly.  They may have done what is called "Substituted Service" because they weren't able to serve you personally.

You will need to pull the full case file and buy a copy of everything in that file. You will want to see the Summons and Complaint (sometimes called a Warrant of Debt), the proof of service, any affidavits that were included, and anything else in that file.  You will be using these items and the information they contain, especially in their Complaint, which has "Causes of Action" to form your defense for both your motions and your Answer.

Remember I talked about court rules?  Well, its very common to see a deadline to file a Motion to Vacate within 6 months of discovering that you had a judgment.  So, when you find out about it and you want to use this defense, you will usually need to get your motion filed into the court and served upon that plaintiff within 6 months.

Now the 2nd argument that can be raised to be granted a Motion to Vacate, and again, this is ONLY for DEFAULT judgments, is the court's lack of Jurisdiction. A default judgment is considered a "Void" judgment and it can be challenged AT ANY TIME - There is NO Statute of Limitations to challenge a default judgment.  The court lacks jurisdiction because there are 4 requires items for every case.  A Plaintiff; A Defendant (Whoops, that was missing); Subject Matter; and A Competent Witness.  

When the court grants a default judgment, there was No Defendant. That means the court lacked Personal Jurisdiction.  If when you pull the file you find that the Plaintiff didn't include an affidavit from a "Competent Witness" (one who has first hand knowledge and is qualified to testify - not hearsay!), then the court also had no Subject Matter Jurisdiction.  Also, subject matter jurisdiction can be challenged at any time and the case cannot move forward until the PLAINTIFF establishes, proves it.

Here is the beauty of vacating default judgments, especially when using the argument of the court's lack of jurisdiction. As I stated, default judgments are Void judgments and can be challenged at any time with NO statute of limitations.  What this means is that if you look at the Date of Last Activity for the original account, and had there not been a judgment it would now be outside that Statute of Limitations for debt, once that judgment is vacated, that debt is now considered Time-Barred and they can't come back and sue you again!  While a judgment is active, they can pursue payment until the statute of limitations for judgments expires.

So keep in mind these Statutes of Limitations:
State statute of limitations on debt is based on the Date of Last Activity (when you last made a payment.
State statute of limitations for judgments - based off the date of judgment and runs for usually at least 10 years but it varies by state.
Statute of Limitations for vacating a Default Judgment - ABSOLUTELY NONE!

So the moral of the story here is, be excited for default judgments. If you get sued, even served properly, but are not prepared to fight and doubt you could win (you probably could if you knew how to fight it properly), don't be afraid to get that default judgment.  You have the ability to reopen the case when you are ready. vacate it, and if you can hold off the vultures trying to collect on that judgment until the debt statute of limitations has passed, you can totally get rid of it from the public records as well as your credit reports.  

Oh, PS.  It is much more wise to vacate a judgment than to file a bankruptcy to get out of paying off a judgment.  Filing a BK will add 10 more years of crap credit to your credit reports and they are a pain in the butt to remove. Save those BK filings for emergencies such as one of your strategies for avoiding foreclosure. By the way, if you are facing foreclosure and want to fight, you can contact me for a referral to a friend of mine who is massively successful, its what he does for a living, and just so you know that he knows what he's doing, he's been in his house now without making a payment for over 11 years. 

If you would like someone to help you remove your judgments from your credit reports, I can help you with that. Though it is illegal to guarantee results, my partner and I do use an escalated and proprietary process that generally removes them in approximately 30 days and we have a 100% success rate.  I would love to help you remove your judgments, your tax liens, your collections, etc. and help you raise your scores so you can have that fresh start you so deserve! You can find my contact information on the top right of this blog. Both my email and phone number are there for you to reach out to me.

If you have found this blog helpful to you, please consider donating as a sign of your appreciation for information I have freely given to you.  The "Donate" button is on the right side bar.  Thank you for your generosity.

Thursday, January 1, 2015

How To Beat Debt Collectors At Their Game

Last month I focused a lot on 3rd party debt collectors going after foreclosed homeowners and the deficiency they feel they are entitled to. This month, I'm going to go more into detail on how to beat these collection companies no matter what type of collection account they are on the warpath for money over.

If you receive a notice in the mail from a debt collector telling you that you now owe them for some debt, maybe its a medical collection or a charged off credit card, or even the difference left over after a car repo, it should tell you clearly that you have 30 days to dispute the debt.  If the first contact you have with a debt collection company is that they call you on the phone, you can confirm your name if you want, but do not confirm your birth date, your social security number, your phone number, your address, or anything else.  Do not acknowledge that alleged debt.  Tell them you do not communicate with companies like theirs over the phone and if they have something to say to you, they can put it in writing and mail it to you.

Once you have received that letter, its time to start the fight. You want to immediately fire off a letter disputing the alleged debt and demanding validation.  I go so far as to not even call their account number an account number. Its a reference number.  I do this because there is no way I'm going to acknowledge that my client has an account with them.  This is their own made up account number to try and make you think their claim is legitimate. So, this is where you start to fight back.

Your validation letter should tell them that you are responding to their letter and you do dispute their claims. In fact, you will need them to validate and prove to you that you owe them that alleged debt.  You see, there may be some alleged debt, but do you owe it?  That's what they need to prove.  Don't fall for the lame Chaudhry minimum standard of "verification" of the alleged debt. You don't need verification and they can't provide that anyhow since they are a 3rd party.

You are demanding validation, which is the proof, the documentation that supports their claim.  You are entitled to receive from them a copy of the contract showing you agreed to do business with them. That means that the contract names them as the creditor that actually lent something to you of value, and your name agreeing to compensate them or pay them back for what they claim they lent you.  Then it has to have your signature on it.  A contract between you and the alleged original creditor is not a contract between you and the 3rd party collector and it isn't full validation.

You will also need to tell them to provide proof that they own the alleged debt or that they have been authorized to demand payment, which means its been assigned to them by the original creditor.  Sometimes they will send a bill of sale, and that doesn't happen too often, and occasionally though rare, they'll send you a copy of their assignment. But sending this, even with a copy of the original agreement, is not full validation.

You are also entitled to ask them to provide a full accounting.  This is not just 3 years(or however many they send) of billing statements but also means an accounting ledger. The accounting ledger should show every charge, every fee, interest added, credits, debits, payments, every single event that changed the amount on the alleged account. Billing statements that show what was charged that month is important too because you have the right to say, "Hey, I didn't buy that or authorize that." Leave that for the courtroom though.  We never want to admit anything to a 3rd party debt collector.

You will also want to tell them that since they furnished information to your credit reports, they are required to have your consent to do so in writing, so they need to provide a copy of that consent or authorization.  They won't be able to provide this but this only helps remove them from the credit report. It is not part of validation and will not mean they have to stop trying to collect if they can't produce it.

A couple other things to ask for is proof that the alleged debt is not outside the statute of limitations and if you're in a state that requires licensing and/or bonding, you need to have copies of those documents as well. You also have the right to ask for a full chain of assignment, which means every collector that has ever had it in their possession, and proof that their collection fees are agreed to in the original contract. Heck you can actually even tell them that you have a right to know how much they paid for the alleged debt because that is closer to the phony baloney amount they should be trying to collect.

After you dispute with them and demand validation, you want to write to each of the credit bureaus and dispute each of the collections with them. You will do this about a week or two after you send the letters to the collectors.  This is very important because once you demand validation from a debt collector, they are required to stop all collection activity. Verifying with credit bureaus is considered collection activity and if they do it before they send you validation, they've just broken the law.  They actually need to remove the information they have furnished while its in dispute.  

Many times you will see comments on your credit report saying that "consumer disputes" or similar language.  If those comments are on a 3rd party collection account, that is a violation of law and proof that they are breaking it. Since communicating via the credit report is considered collection activity, putting a "dispute" comment on there doesn't void the fact that they are still trying to collect when they are supposed to stop all collection activity.  Its just proof that they are ignorant of the law or they don't give a rip about the law.  We're going to jump back to bureau disputes in a bit.

Now, when debt collectors respond to your dispute and demand for validation, many times they will send you the name, amount and a few tidbits of information about the alleged original account and then tell you that they have verified.  They haven't, that's hearsay. If they send you any documentation, it might look like they've proved the alleged debt, but its not validation. Its not proof you owe them.

Your response is a very important part of beating them.  You don't want to attack their response until you get the results from your bureau disputes though.  This is because not all of the collectors will usually reply to your demand to validation but they will respond to the bureau dispute by claiming they verified it.  That's a big NO-NO.  You are also going to want to check those bureau disputes and see which collectors were stupid enough to comment that the alleged account is disputed.  You will be using these things against them and this is very effective to make them hit the road.

Now that you've received your bureau dispute results back and the debt collectors that have bothered to respond to your demand to validation are pretty much all back to you, its time to contact the collection companies again.  For those that told you they are closing the file and notifying the bureaus, you don't need to send anything to them.  Just make sure they actually deleted. If they didn't you will dispute that again with the bureaus.  For those that claimed they verified, you need to get real tough with them.

Your response to those who claimed they validated or verified in response to your demand for validation, you need to tell them something like this:  "I've received your letter claiming you have validated (or verified) the above reference number. But the problem is, you didn't provide the documentation that proves I owe you anything.  Where is the contract between your company and me? Where is the full accounting because I can't just take your word for it that I owe some company I've never contracted with, some made up number?  Where is your license and bond?  In fact, from what you sent, I can see that you are trying to collect for something that is outside the statute of limitations for my state (if that is the case).  

You also haven't proved you have any right to be on my credit report because I know for a fact I've never contracted with you nor consented to you being able to make any communication on my credit reports.  You're violating the FDCPA by continuing collection activity and you're violating the FCRA by furnishing information and verifying unvalidated information, disputed information, erroneous information, when no access to my credit reports has ever been granted to you.

So, get your crap off my credit reports until you can provide some proof that I actually owe YOU! You haven't done that yet and by law, you are to cease collection activity immediately.  I reject your hearsay as being validation or verification. I reject the bills you sent as being validation because they are not. I reject any of your claims of validation or verification because you haven't proved anything."

That's pretty much how a follow up letter is written.  Now, for those that verified with the bureaus but didn't bother to even respond to your demand for validation, you should send them a letter similar to what I just gave you but blast them for verifying without even responding to your demand for validation.  You can even tell them that you intend to sue them for their FCRA and FDCPA violations if they don't remove this reference number and information they furnished to the bureaus from your reports.

Now, your follow up letters to the bureaus will be to dispute each one as having demanded validation from each one and they have not validated and therefore are still Unverified so please delete ASAP.  By the next time you get your responses back from the bureaus, you should see some great results.   Sometimes though, they just don't have any respect for the law and they keep leaving their bs on your report. You may need to keep attacking them month after month to remove these stubborn ones.

I hope that those of you who are working to improve your credit will take this information and use it.  It does work.  Its a basic attack and it's based on laws written to protect you from scum like debt collectors.  Remember, you don't owe these punks so fight to keep your hard earned money in your own pockets, not theirs.  Its your right to spend your money as you want, not give it over to these extortionists who will continue to harass you in an attempt to steal it from you if you don't knock them down and out of your lives.

Now, for those of you that want help with removing collections, we are extending our Christmas special into the New Year!  We use advanced techniques and put laws, case law, statutes, Supreme Court rulings and more in the debt collectors' faces. We go well beyond the attack shown above to get you the fastest results possible, all while staying ethical, honest, and within the law. Our special is valid through January 31, 2015.

Our special will save you anywhere from $100 - $300 depending upon the number of collections on your report, as well as other derogatory items.  To qualify for the special, you need to have at least FOUR 3rd party collectors furnishing information on your report.  You will need copies of your credit reports for all 3 major bureaus so get them together and contact us so we can help you have a new, pretty credit report in this exciting New Year!  My email address and phone number are up on the top right hand side of this blog.  I look forward to hearing from you and helping you fight the debt collectors and win!

If you have found this blog helpful to you, please consider donating as a sign of your appreciation for information I have freely given to you.  The "Donate" button is on the right side bar.  Thank you for your generosity.