How To Fix Your Credit So You Can Buy Your House – Video Course 2/3

1. Credit Scores

– Learn how to use Credit Sesame or Quizzle to get your approximate credit score and to monitor your credit for free. The credit scores these companies provide are good indicators of your FICO score but they each provide free services that go far beyond just doing that. They actually can help you improve your score (over time) too.

– My Fico will sell your FICO score or you can use their credit score range estimator for free. Just make sure you don’t sign up for their monthly service – Credit Sesame and Quizzle do the same thing for free.

2. Refinance Your Debt To Slash Interest Costs

-Here are 3 ways to lower your cost of debt and potentially drop your credit utilization which could quickly improve your credit score.

-Learn about how to use Peer-to-Peer lending to refinance your debt and cut your costs overnight. While Lending Club is the big player, Proser is also a company you might find worth talking to.

3. Credit Reports

Consider using annualcreditreport.com to get your free credit report. As I explained, it’s far better to get all three reports at once (also free) rather than one every 4 months. This is the only way to get a full and complete picture of your credit situation.

4. Dispute Letter Templates

Here’s a good template to follow when writing your dispute but remember to write your letter in your own words. When you do, it helps get the attention of the people in the credit bureau’s complaint department.

Here’s a little more info on how to write your letter.

5. Laws That Protect Consumers

Don’t worry- you don’t have to go to law school in order to understand consumer protection laws. There are only a handful of rules to be aware of – but since most consumers don’t understand these laws, they get taken advantage of. Here’s a quick and easy explanation of the laws that protect you and how to use them.

6. Suing Your Creditors/Credit Bureaus

Here’s a cool post on suing your creditors and credit bureaus using small claims court. This is a cool tactic because the creditors and bureaus aren’t set up for this kind of thing and the cost of them appearing usually is greater than the debt they claim you owe. As a result, if you have a solid claim, they will likely settle and clean up your credit report.

7. Lexington Law Review

Lexington Law is the oldest and biggest player in the credit repair industry. It is also a law firm which is a plus. Also, they’ve helped over 500,000 people since they opened their doors and are successful in getting 10.3 items removed from the average customer’s credit report. They might be a good resource for you but I can’t be sure. They can’t help everyone. But they do offer a free consultation. After you go through the entire 3 videos, give them a try if you are so inclined. Ask informed questions and see for yourself if you think they might be any help to you.