Welcome back to the third of three videos engineered to help you increase your credit score so you can get the mortgage you need to get the house you want. In the first video, you leaned several techniques to quickly increase your credit score in 30 days or less. You also learned where to get the right score for free and how to decrease your credit utilization without paying debt.
In video two, you learned how to get your entire credit file for free and how to start getting negative information removed from your credit history. Today you’re going to learn how to force creditors to clean up your file and exactly how to work the “system” to cut the time it takes to get your report cleaned up. In addition, you’re going to discover all the items that can be taken off your report. As you’ll see, there is far more you can get removed from your credit history than you might otherwise think. You’re going to learn the right way to file a dispute, how to present your proof for the greatest impact, how to escalate your claim and what to do if the creditors and credit bureaus don’t respond in a positive way. Finally, you’ll learn how to outsource this entire process at a fraction of the cost.
Are you ready? Good…let’s get to work – watch video three.
Below you’ll find all the resources you need to fix your credit score and credit history as quickly and as easily as possible:
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.
At this point, you have all the tools you need to get you maximize your credit score. In video one you learned what credit score you need in order to qualify for a great mortgage. You also learned how to get the right credit score and some very easy ways to quickly increase your credit score.
In video two, you learned how to get your complete credit history, how to understand your credit report, how to uncover hidden errors in that file and how to get them fixed.
In video three we looked at several black belt techniques you can use to force creditors and credit bureaus to remove negative data. And you learned that there is a lot more data that could be potentially removed from your credit history than you otherwise might think. You learned how to lodge your dispute and how to expiate the resolution. Finally, we looked at a few ways to put even more pressure on the creditors and credit bureaus if you really need too and how to inexpensively outsource this entire process if you don’t have the time or inclination to do it yourself.
If you take action on all the information I’ve provided, you will get results. Some results will come faster than others but if you have a little patience you can absolutely use these techniques to increase your credit score so you can get the mortgage you need to buy the house you want. If you have questions, please let me hear from you. And don’t be shy about sharing your success stories. If you found this course helpful in any way, please share it on Facebook and Twitter. And when you do buy your house, send me a picture of you and your family standing in front of it. That’s the outcome we both really want.
Thanks and good luck!