Debt Elimination Success Seminar
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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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On July 1, 2002 the FTC released notice that D.C. Credit Services, Inc. based in California would have to remove the negative information that they reported against consumers for the previous seven years. Please review the information listed on the FTC website http://www.ftc.gov/opa/2002/07/dccredserv.htm They also tossed one of the owners out of the Debt Collection business for good!
If you review your report and D.C. Credit Services, Inc. is listed on your credit report anytime before July 1, 2002 then you need to send the follow notice to the credit bureaus.
Experian
P.O. Box 2104
Allen, TX 75013-2104
Transunion
1561 E. Orangethorpe
Fullerton, CA 92831
Equifax
P.O. Box 740256
Atlanta, GA 30374
Re: Credit File under SS#
To Whom It May Concern:
It has been brought to my attention that the Federal Trade Commission ordered D.C. Credit Services, Inc. to remove negative information placed by them on consumer credit reports from the years of 1996 – 2002. I recently reviewed my report and discovered they are still report on my credit report or they illegally altered the date of last activity to appear as if I have recently made activity on this account when I have not.
I do not believe that these items should be listed on my credit file. If you review my report you will see that D.C. Credit Services, Inc. was attempting to collection on a debt for (creditors name here) or purchased a debt from (insert name here) and has this open date and date of last activity (fill in how it is reported on your credit file).
For further use I am attaching the article printed directly from the FTC’s website for your review. I understand that things can be overlooked from time and time and am confident you will comply with the Federal Trade Commissions consent decree.
For identification purposes I am enclosing a copy of my Drivers License and a utility bill.
Thank you for your prompt attention to this matter and I look forward to receiving a copy of my updated credit report within the next 30 days.
Thank you,
Informed Consumer
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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