Debt Elimination Success Seminar
Section 1
A Look at Debt
History of Debt
Credit Card History
Current State of Debt
How You Got Into Debt
Good Debt Bad Debt
Business vs. Personal Debt
Section 2 Dealing With Your Money
The Two Step Plan
Doing The Two-Step
Step One
Step Two
The Paths Out of Debt
1- Create a Debt Payment Plan
2- Neogtiate Better Rates & Terms
a.Consolidation Loans
b.Consumer Credit Counseling Services
3- Negotiate Lump-Sum Settlements
4- Bankruptcy
5- The Easy Way
6- Win $1,000,000
Living Debt-Free
Manage Your Money
Make More Money
Save Money
SameMoney-MoreFun
Stay Debt-Free
You as a Business
Section 3 Dealing With Your Creditors
Alerts/Scams
The Credit Industry
Credit Industry
The Fine Print
The Secondary Debt Market
The Debt Collection Process
Original Creditor
The Charge-Off
Collection Agency
Legal Problems
Dirty Creditor Tricks
Dealing with Debt Collectors
Dealing with Debt Collectors
Statute of Limitations
Cease and Desist Letter
Section 4
The Credit Report
The Credit Report
Credit Score
Credit Repair
Section 5
Dealing With Yourself
The Critical Factor
The Art of Prosperity
The End of Failure
Prosperity Coaching
Section 6
Kids and Money
Kids and Money
How to Pay for College
Section 7
Debt Information
Bookstore
Debt Facts
Radio Show
Resources
About Us
Privacy Policy
Site Map
If you find this information helpful I ask you to contribute to help me help more people. You can contribute through PayPal by clicking on this button Or you can mail in your contribution.
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| In order to clean up your credit report you're going to have to get a copy of your reports, yes all three. |
Once you have your reports it's time to remove your bad credit! This can be done by challenging the information that's on your report directly with the credit reporting bureau that's selling the incorrect information. Remember, your information must be true, accurate and verifiable. If it's not verified within 30 days it must come off your report. If you were a week late making a payment and the credit report says you were 30 days late, is it true? No! Accurate? No! Well, have them remove it!
Let's be clear - if information is bad and it's true, accurate and verifiable, it's going to stay on your report. How do you know if bad information that is true and accurate is verifiable? You dispute it. There's no penalty for trying to get bad information off your report.
If you're looking for help. try this, Click here to Learn How To Repair Bad Credit..
It can, and should be done. So do it already, what are you waiting for?
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| I used to think that if one had enough money there would be no reason to worry about your credit report. I was wrong. After hearing a news report about credit reports I’m convinced that everyone needs to have their credit report cleaned up. The report showed that a lady was paying an extra $2,500 a year in car insurance because, get this, six years ago after a family disaster she missed two credit card payments. Her perfect driving record made no difference because her insurance company put more importance of her credit card payments than her driving ability. This was for car insurance; I think this is stupid. Yes, it’s shocking but true. |
My advice is to challenge every bad piece of information of your credit report whether it’s accurate or not. For best results consider this a long-term project. In my opinion there is no excuse for charging someone huge amounts of money for something that not related to credit because of something that’s on their credit report. So, while you can challenge the information on your credit report yourself, I now feel if you need to get professional help it is worth the money to do so. And of course, don’t create any more new debt.
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Don’t max out your cards. By keeping your balances at no more than 50% of your limit you’ll keep your credit score higher. And keep you inquiries to a minimum. This is especially true if you have a limited credit history. The more well established your credit history is the less impact inquiries have.
Keep on top of the changes in your credit status. Your credit report will change often. In fact, it changes whenever a charge or a payment is reported. The most important reason to check your reports often is fraud and identity theft. The sooner you are aware of illegal activity, the easier it will be to correct.
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| Learn the seven little-known rules of credit - and turn even poor credit into great credit and into an opportunity to SAVE hundreds of dollars every single month! 7 Steps to a 720 Credit Score® |
The Credit Report
Credit Score
Credit Repair
Your Free Credit Report
The History of the Credit Report
Credit Report Tips
Credit Repair Scams
Credit and Your Career
Consumer Alerts for D.C. Credit Services and Camco
Some collection agencies has started reporting old debt as new. Find out more here and here's a letter that you can use to file a complaint if this has happened to you.
Read the transcript of Andrea Villarreal from Better Scores Better Rates’ "I Hate Debt" radio show interview.
Improving Your Credit Score 1
Improving Your Credit Score 2
Listen to Andrea R. Villarreal from Better Scores Better Rates’ “I Hate Debt” radio show interview.
Segment 1
Segment 2
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If you're looking for help try the |
According to the Federal Trade Commission 27.3 million Americans have been victims of identity theft in the last five years. Now there's a good reason to keep your credit report current.
