STEP BY STEP CREDIT REPAIR

[Waxmystick]

I want to start a credit repair business. Can this help me? I've got a 15 year mortgage background.

[lynn808123]

HI my name is gemmalyn and i have like the worse credit score. I can't even qualify for a vehicle for my family. can you please help me inprove my credit score. I would like to buy your book. please call me at 1-808-217-5446

[waiting4guffman]

Dave Ramsey says the best credit score to have is ZERO. He really opened my eyes. Mine was 829 three years ago. Now, its almost at 0. In that time, I still have not, and will NEVER, take on ANY debt, and my net worth has increased by 100K in that 3 years. I have never made over 75K in any one year in my life. I'm 45. Take some good advice, my friends: Drive that "beater with a heater" & rent if you must, so that later, you can move up by using cash.

[CREDITREPAIRMASTER]

One of the biggest mistakes credit repair companies make is trying to dispute a tax lien when you owe money for back taxes. The reason is you could be under the radar, once the dispute gets sent in the credit bureaus will try to verify it with the IRS or the State and if you own money to these agencies you can find yourself in a big trouble, by getting your bank account levied or your paychecks garnished

[danka2000]

@CREDITREPAIRMASTER The IRS or state does not care if you get liens deleted from your credit report, plus the bureaus never contact the county recorder's office or courthouse where the lien is filled. The only way they may be contacted is they do it electronically, but no human being is ever spoken too. I have an IRS lien and in currently not collectable status and they wont take me off if I get the lien off my credit.

[CREDITREPAIRMASTER]

@danka2000 I have done this for many years, I have removed tax liens myself, I am not saying that it will not come off, but there is a chance that your file can be looked into just because you disputed, it is also the same with collection agencies. Also they do it electronically but not the way you think, by law they need to provide the name and of the person and time they verified it if you request it. and if they never cared they would of never reported in the first place.

[danka2000]

@CREDITREPAIRMASTER The credit bureaus use E-Oscar which involves no physical human being contacted. The courts have ruled, there is a case involving Transunion, that a phone must be picked up and documentation being supplied proving the negative item. Method of verifcation is a powerful tool. The bureaus never call anyone and that is what is used to remove negative items. My debts except IRS were discharged in BK, so likely the creditors have no more records on file on me.

[CREDITREPAIRMASTER]

@CREDITREPAIRMASTER I am confused of what your telling me, I know they use the oscar system. Once you send in the dispute and it comes back as verified you send a second dispute asking the bureaus to verify the name and of the person that verified it, and they have 15 days to do that by law, you file will be brought up at some point. I think we are on the same page but in my opinion you should not dispute taxes that yo owe a lot of money to... its not worth the trouble

[FreeSecuritySystems]

This may not have been the best video but it was straight to the point, THANKS!!!

[StanleyMarcelin]

I just check my credit report and the score is 609 :(

they say I have had 3 late payments on my account and they gonna stay for 7 years on my credit report. how can I take them off? what should I say the creditors to take them off.

Because those late payments been taken care of since last year.

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[EDIVERTO1]

Hi My name is Eddie i have the same question as Brittanymarie327.. i have years of worth of charge offs. what can i do whats the nex step? paid the balance? write lettes?.. ( edisny@aol.com ) Thank you

[CREDITREPAIRMASTER]

@EDIVERTO1 Hello Eddie, I am sure that you got hundreds of email by putting up your email address.... It all depends what are the amounts of your collections? If it has been a long time then you can start disputing them, if you are going to pay for it just remember you will drop your score. If you need help just send me an email

[famjila]

Does every dispute letter has to be sent separately or can it be in the same envelope if it is for the same credit bureau?

[tamikakkb]

I would like to know would it hurt you to dispute online.

[jolfawear]

I tried your method, which was very easy, the first 30 days 1 item came off tried it again 6 more items came off. I don't know what my score is right now but I am sure that it went up do I keep trying until all of my items come off? and one more thing the items that have been deleted are they going to come back?

[CREDITREPAIRMASTER]

@jolfawear thats very good, keep trying to send the forms in the ones I gave you. Once a negative account is deleted it will never come back unless you send a late payment in or get a new collection.

[brittanymarie327]

This video is very helpful, but what if you have years worth of charge offs, lates, and collections? My husband and I started a family and decided its time for us to take care of our 2 year old debt that we just ignored.. Where do we start, most are charge offs? Can you recommend a good credit counselor? Or credit repair company? We've tried several, but just got scammed out hundreds of dollars that never even effected our credit. -Thanks in advance.

[latvad15]

Can you remove tax lien for the credit?

[CREDITREPAIRMASTER]

@latvad15 is it released or settled? Do you still owe the IRS or State?

[latvad15]

@CREDITREPAIRMASTER Its IRS and the claim I owe 28k but it was 21k, I don't know what to do because I have nothing wrong with my credit except that tax lien.

[CREDITREPAIRMASTER]

@latvad15 There are many credit repair companies that will say they can remove it even if you owe the IRS, it is not smart to even dispute because the dispute goes back to the IRS and they can speed up the process of garnishing your wages or even levy your bank account. It is best the you hire a firm that will handle your IRS problem. If you are not in the tax business it is not smart to do it yourself. But make sure the firm is a good one.

[latvad15]

@CREDITREPAIRMASTER I live in California do you know a firm that can help me?

[CREDITREPAIRMASTER]

I have watched many videos on credit repair, many of them are using scare tactics and how they can only help you.Don’t let anyone fool you into thinking you need to hire a professional to repair your credit. The truth is, there is nothing a credit repair company can do to improve your credit that you can’t do for yourself.

All you need to know is what steps you need to take.

[marques10010]

is mailing in the dispute letter better than faxing them in because I know someone that said she had better success faxing them in for her clients

[WannaTalkMoney]

Nice Video!

[REPAIRyourBADcredit]

great info really

[jamescgale]

Thanks for the helpful information. btw may I have the song title for this?

[devontaii]

i need dispute letters to remove 3 charges i have 2 are with in 7month to a year the other one is paid closed charge- off.. can u help

[verabella1]

I owe 10,000 but will dispute the 8,500 I cosigned for a car for my now ex. and the car got repo'd and my ex stuck me with the bill. When she gets her credit report, will it say she owes? Even if I settle for 4,000. Will she end up having to pay me back or will it just me taken off her credit report?? Can I sue her? Is it worth it? Now Im trying to buy a house and have bad credit? My fiancé has too little and no one will cosign for me. Do you have any advice?

[latvad15]

where can I buy the forms from?

[cnino1971]

Ok, how do I start fixing my credit, I recently lost my job and got a repo and a foreclosure plus credit card debt that are already charge off. Now I cant get a job because I have bad credit. help!!!!

[zfasakr]

I have a hospital bill that has not been paid for last 4 years what can I do.

[CREDITREPAIRMASTER]

I got many emails regarding debt settlement. Just to let you guys know that sometimes taking that rout is not good. If you owe lets say $20,000 and you settle it for $10,000 if you do not have the money to pay for it up front, its going to take you 2-3 years to pay it off. So your credit is going to be bad for another 10 years because collection accounts are from date of last activity. It is better to file BK and get it over with.

[LETMEINGUYS]

when your credit is as bad as mine i mean really really bad what do you do

[CREDITREPAIRMASTER]

it depends whats on your credit. if you owe a lot of money it will be better just to file BK. If you like you may call me and we can go over it (888) 711-2743

[swampgirl102]

can u add a sample of the dispute letter please??

[techware7]

also, do i have to send a dispute letter (or online) to all 3 mayor credit bureaus at once? or can you send i to 1 of them and the other 2 will automatically update their records?

[CREDITREPAIRMASTER]

You have to send it to all three bureaus.

[techware7]

is it the same if you send a dispute online? or will you get better results by mail? thanks !!

[ossman200005]

Does your method work in Canada? Is it the same law..? Do you have to modify the written requestes that you send to the credit Berue to fit the Canadian system?

[ossman200005]

Does your method work in Canada? Is it the same law..? Do you have to modify the written requestes that you send to the credit Berue to fit the Canadian system?

[yournamehere954]

is there a centain time limit that I have to dispute an item? When I called the bureau they the person told me I only had 30 days and the time has passed so I have no choice but to pay the dept. I had a dept from a phone bill that was never sent to me.

[nucleus2008]

you can dispute it anytime you want, the credit bureaus are not on your side. By law they have 30 days if not it gets deleted.

[CREDITREPAIRMASTER]

like nucleus2008 said, you can dispute it anytime. it is better for you to mail in your disputes then calling, they will tell you anything for you not to dispute, because it costs them money.

[docnez]

Getting this video exposed? Why? Is credit master lying or you're just interested in a top position? Just asking.

[CREDITREPAIRMASTER]

11 years in this business I have never met someone with a cpn number. Do I know anyone that has bought one? Yes. Did it work for them? NO!!!! They all got ripped off. Be carefull

[scrapybtr]

this guy was very cool gave me alot of info for very cheap and the funny thing is it works, not all of my items came of but I had two collections the got removed with a balance. thanks man im still trying to remove the other ones