All Legal Credit Guide

The All LegalCreditGuide

When the Stock Market crashed in 2000, I was in a world of hurt because of the Option Game I was playing. I literally lost everything overnight due to some poor quarterly reports that had not even been released. It sent my finances into a spin that I could not regain control of.

I literally disappeared off the map for 2 years because of the embarrassment and the number of collection calls that I was receiving. My credit was completely shot, down in the mid 400s.

Even though I was led to believe that I was going to have to wait 7 years to have my credit restored, thankfully I met someone that pointed out that I could rebuild my credit immediately and get back on my credit feet.

Ifyouare overwhelmed withalltheclaimsregardingcreditrepair,andjust want theplain and simpletruth,wewrote thismanualforyou. Allof ushavethelegal rightto disputeitems reported toourcredit ittheyareinaccurate,incomplete,orerroneous. Thismanualwilllead youthru thelegalmazeofwhat todoandhowto doit,sheddinglight onthewhole credit repairprocess.Wehopeitwillbeagreat help toyou.

Ifyoufindthat thisprocessseemstoo cumbersome,requirestoomuchofyourtime,oristoo frustrating,let us help you. Yourtimeandenergyis needed foryour presentlife,notspent tryingtountangleyourpastlife. Shouldgoingitalonenotgetyoutheresults youhopedfor,let us help.Weare heretohandleyourcompletecredit restoration.Emailus anytimeandlet ushandle untanglingyour badcredit past fromyourpromisingfuture.

Legal Disclaimer: Thisproduct, and any other product associated to the All Legal Credit Guide, has beencreated, developedandmarketedas a tool forregular consumers togainthe personal knowledge oftheirown credit rating,aswellas to maintainan accurate and up-to-date credithistoryfile withthe 3 major creditreportingagencies: Experian, Equifax and TransUnion.Thisdocument isnotto bereferencedas a manual on, or of, legal advice. If you require legal services or advice, youshouldalwaysconsult anattorneyin yourstatebefore preparingany legal documents.

Legal Notice: Thisproduct, and any other product associated to the All Legal Credit Guide,isbeing offered to theconsumer fortheir ownuseonly. Itshallnotto bereproducedwithoutthe written permissionand/or consent byAll Legal Credit, or Enternet Marketing LLC. It shall be stated and recorded that thisproductdoesnot guaranteethe enhancementof credit. Thecreators, developers and/or makers of thisproduct do not accept any responsibility, orliabilityfor anydamages or losses causedby the useof it. It is highly recommended that you consult withan attorneybefore preparingany personal legal documents.

All Legal Credit Guide Table of Contents

Chapter 1: FTC’s Fair CreditReportingAct (FCRA)Basics

Chapter 2: FTC’s FairDebtCollectionPractices Act(FDCPA) Basics

Chapter 3: HowStart the Credit Repair Process

Chapter 4: HowtoClassify NegativeInformation

Chapter 5: How to AddPositiveCredit History

Chapter 6: How to Add InstantPositiveCredit History

Chapter 7: How to ObtainPre-Paid/SecuredCredit Cards

Chapter 8: How to ObtainSecuredBankLoans

Chapter 9: ContactInformation

Chapter 10: Example Letters

Are you readytogetstarted?

The truth is that this process is alegal dispute, where the verificationprocess is backedbyconsumer protectionlaws.

My goal with the All Legal Credit Guide is to helpyouinyourmissionto regain yourgoodcreditreputation. We all make mistakes, and we all deserve a second chance.

I trust that you will greatly enjoy this Guide!

Chapter 1

FTC’s FairCreditReportingAct (FCRA)Basics

CreditReporting lawsMUSTfollowthe federalconsumerprotectionlaws.Acts, like the Fair Credit Reporting Act, helpdefineand protect thelegal rightsofthe consumerandlimitthe powerof thecreditor.Theygivereliefwheretheconsumermay have been infringedon, and providelegal discoursethat the consumercantakefor correctiveaction.Theseare greatlaws, but unfortunately mostpeopleare unaware oftheir existence,andtherefore have no idea on how to takefulladvantageof theprotectionthey offer.All Legal Credit Guide teaches consumers how tousetheselawsin the defenseoftheir credit reports,againstmany reportingbycreditreportingagencies.When properly used, theyareextremely effective.

TheFTC’sFair CreditReportingAct(FCRA)isdesigned to maintain[CS1]accuracy, fairness,andprivacyof informationinthe filesof everyConsumer ReportingAgency(CRA).Most CRAsarecreditbureaus that gather andsellinformationaboutyou- suchasif youpayyour billsontimeorhavefiled bankruptcy-- tocreditors,employers,landlords, and other businesses. Youcanfindthe completetextof theFCRA,15

U.S.C.1681-1681u,attheFederal TradeCommission'swebsitebygoingto givesyouspecificrights,as outlined below. Youmayhaveadditional rightsunderstatelaw. Youmay contactastateor local consumerprotection agencyor astateattorney general tolearnthoserights.

Youmustbetoldifinformationinyourfilehas beenused againstyou. Anyonewhousesinformation fromaCRAto takeactionagainstyou-- suchasdenyingan applicationfor credit, insurance,or employment--musttellyou, andgiveyouthename,address,andphonenumber ofthe CRAthat providedthe consumerreport.

Youhavethe righttoknowwhatisonyour report. Atyour request,aCRAmustgiveyouthe information inyour fileandalistof everyonewhohas requested itrecently. Thereisnochargeforthereportif a personhastaken actionagainstyoubecauseof informationsupplied bytheCRA if yourequestthe

reportwithin60daysof receivingnoticeoftheaction. Youalsoareentitledto onefreereportevery

twelve months uponrequestif youcertify that(1)youareunemployed andplantoseekemployment within 60days, (2)youareon welfare,or(3)your reportisinaccurateduetofraud. Otherwise,aCRA maycharge youupto$9.50.

YoucandisputeinaccurateinformationwiththeCRA.If youtell aCRAthatyour file contains inaccurate information,theCRAmustinvestigatetheitems(usually within30days)bypresentingtoitsinformation sourceall relevantevidenceyousubmit, unlessyour disputeisfrivolous. Thesourcemustreviewyour evidenceand reportitsfindings to theCRA.(Thesourcealsomustadvisenational CRA’s towhichithas providedthe data--of anyerror.)TheCRAmustgive youawritten reportof theinvestigation, anda copyofyour reportiftheinvestigationresults in anychange. If theCRA's investigationdoesnotresolve

thedispute,youmayaddabriefstatement toyour file. TheCRAmustnormallyincludea summaryof

your statement in futurereports. If anitemisdeletedor a disputestatementisfiled, youmayaskthat anyonewhohas recentlyreceivedyour reportbenotifiedofthe change.

Inaccurate informationmustbecorrectedordeleted.A CRAmustremoveor correctinaccurateor unverifiedinformationfromitsfiles,usuallywithin 30daysafteryoudisputeit.However, theCRA isnot required toremoveaccuratedatafromyourfile unless itisoutdated (asdescribedbelow)or cannotbe verified.Ifyour disputeresults in anychangetoyour report,theCRA cannotreinsertintoyour filea disputeditemunlesstheinformationsourceverifiesits accuracyandcompleteness. Inaddition,the CRA mustgive youawrittennoticetelling youithas reinserted theitem. Thenotice mustincludethename, addressandphonenumber ofthe informationsource.

Youcandisputeinaccurateitemswith the sourceof theinformation. If youtell anyone--suchasa creditorwhoreports toaCRA thatyoudisputean item, theymaynotthen reportthe informationtoa CRA withoutincludinganoticeofyour dispute. Inaddition,once you'venotified thesourceof theerror inwriting, itmaynotcontinuetoreporttheinformationif itis,infact,anerror.

Outdated informationmay notbereported. Inmostcases, aCRAmaynotreport negativeinformation that is morethansevenyears old;tenyears for bankruptcies.Access toyour fileis limited.A CRAmay provideinformationaboutyouonlytopeoplewith aneedrecognized bytheFCRA-- usuallytoconsider an applicationwith acreditor, insurer,employer,landlord,orother business. If aCRA, a useror(insome cases)a providerofCRA data, violatestheFCRA,youmaysuethemin stateor federal court.

Your consentis required for reportsthatareprovidedto employers,or reportsthatcontainmedical information. ACRAmaynotgiveoutinformationaboutyoutoyour employer,orprospectiveemployer, withoutyour writtenconsent. A CRAmaynotreportmedicalinformationor employers without your permission. Youmaychoosetoexcludeyour namefromCRAlistsfor unsolicitedcreditandinsurance offers.Creditors andinsurers mayusefile informationas thebasisforsending youunsolicitedoffersof creditor insurance.Suchoffersmustincludeatoll-freephonenumberforyoutocall ifyouwantyour nameandaddressremovedfromfuturelists. Ifyoucall, youmustbemustbetaken off thelists

indefinitely.

FederalFairDebtCollectionPracticesActBasics

Click herefor thefullFFDCPA:

Section 805 –CommunicationInConnectionWithDebt Collection Collectorsmayonlycall after8:00a.m. andnolaterthan9:00p.m. Creditormustonlycontact powerofattorneyor representative,not you. Collectorsmaynotcontactthe consumer’splaceof employment.

Collectorsmaynotcommunicatewith anyperson otherthantheconsumerhimself. (unlessauthorized

by theconsumer todoso.)This includesfamily members.

Section 806 –Harassmentor Abuse

Collectorsmaynotusethreatofviolenceorothercriminalmeans. Collectorsmaynotuseprofanity.

Collectorsmaynotcontinuouslycall, annoy, abuseorharass consumer.

Section 807 –False orMisleading Representations

Collectorsmaynotuseanyfalseormisleadingrepresentations.

Collectorsmaynotthreat to takeanyactionthat cannotlegallybetaken. Collectorsmaynotgiveor threatentogiveoutfalsecreditinformation.

Collectorsmaynotdistributeanyfalselywrittencommunicationsimulatingany document authorized,

issued orapproved byanycourt,officialoragency oftheUnited Statesoranystates.

Collectorsmaynotuseanynameotherthanthetruenameofthe collectors business,companyor organization.

Section 808 –UnfairPractices

Collectorsmaynotuseunfairor unconscionablemeans tocollectorattempt tocollectanydebt. Collectorscannotacceptacheckorotherpaymentfrom theconsumerthatids postdated by morethan

fivedays.

Collectorsmaynotsolicitanypostdated checkforthe purposeof threateningor institutingcriminal prosecution.

Collectorsmaynotchargeconsumeranychargeorpricefor communication.

Collectorsmaynottake orthreatentotakenon-judicial actionto effectdispossessionor disablementof property.

Collectorsmaynotuseanylanguage or symbolother thanthecollector’s addressand nameon anymail

sentto theconsumer.

Strategytocleanupyour credit.

Inthis dayandage,everyoneneedscredit,whethertobuyacaror ahouse,obtainaloanor acredit card, even togetajob. Credit ReportingAgencies,orCRA’s, aremakingafortunesellingyour personal informationtothemanyorganizations interested in your credithistory.Creditbureaus try tomaintain accuratefilesaboutthe consumer. However,duetothesheermagnitudeoftheinformationbeing enteredinto their databases,theyfrequentlymake mistakesthatendupcostingyoutensof thousands of dollars. Intherecent pastTrans-union,oneofthelargestCRA’s, admitted inCourtthat nearly50%of their filescontained errors.Fortunately,the lawisonthesideof theconsumerand, with thehelpof the government,youcanhavea perfectcredit.

TheFederalFairCreditReportingActwasenacted tohelp you! Thelawsaysthatyoucandisputeany informationcontained in your creditreportthatyoufeel is notabsolutely100%accurate.Youcan demandfromaCRAthedeletionof records fromyourcreditreportrelatedtolatepayments, charge- offs, repossessions, foreclosures,even bankruptcy.Believeit,THE LAWISONYOUR SIDE!These methodsof creditrepair arelegal, honest, andtheFederal TradeCommissiongovernsthem. Youcan havetheCRA’s removeanythingyou disputesuccessfully.

Therearehundredsof Credit ReportingAgencies(CRA’s) worldwide. However, the majorityof prospectivelendersuseonly threemajor agencies. ThethreemajorCRA’sareEXPERIAN, EQUIFAX and TRANS-UNION. TheCreditReportingAgencies recordandmaintainpersonal informationaboutyousuch as your social securitynumber,birthday,address,employment,andfinancial history.Itisfair tosay that

mostCRAagencies strive tomaintainaccurateanduptodateinformation yet, duetothesheer

magnitudeof thenumberof files contained intheir data bases,(someCRA’s handle upward of

75,000,000files)humanerrorsoccurandmistakes aremade.

Whenyour files areincorrect oroutdated,youdohaverightsundertheFEDERALFAIR CREDIT REPORTING ACT(FCRA).15USC, SECTION168L through168T.This actwasputintoplacetoprotect consumersfrombeingjudged unfairly becauseof inaccurateoroutdated information. Learnmoreat

Youareentitled todisputeandquestionthe accuracyof anyinformationwithin your files,asoften and atanytimeyoufeel necessary. TheCRA hasupto 30daystoinvestigateandrespondtoyour dispute.If the CRAcannotprovideconfirmationoftheincorrectinformationwithin30days, theymustcomply with theFCRAandremoveit immediatelyfromtheir files. If your creditor doesconfirm theinformation is indeedcorrect,itwill remainon your credithistoryuntil itis scheduled tobetakenoff (uptoa maximumof7years inmoststates). However,youdohavethe righttoaddanote ofexplanationabout the negativeinformation, as a“ConsumerStatement”whichwill appear nexttothenegative informationinyour creditreport.

WhenaCRAdoesnotcomplywiththe regulationsoftheFCRA,youcancontactthe Subcommitteeson Banking, Credit andInsurance,andtheFederalTradeCommission,whichmaybringlegal actionagainst the CRA.TheCRAmayalso beliable for damagesandattorney’sfees. Unfortunately, until you obtain, examineandupdate yourown file,errors andfalseinformationcancostyouthousands of dollarson interest,insurancepremiums, rentals,andcanalsocauseyoutobedenied creditfor homeloans, auto loans, bankaccountsandsometimeseven jobs. Thepublisherof CreditHelperhas madeitextremely easyforour userstorepair, maintainandbuild theideal creditreport. Wehaveintentionally“cut down” the lengthinessoftraditional “CreditRepair”packages, tomakeourssimple tounderstand, readand

use.

How togetstarted

Yourfirststep is to obtainacreditreportfromthe3 MajorCreditReporting Agencies.

Goto obtainallthreebureaureports.

Ifyoudonothaveinternetaccess youcanrequestcopies ofyour creditreportfromthethreemajor

CreditReportingAgencies,(CRA’s):Equifax,Experianand Trans-Union.

Ratesvaryamongalldifferent CRA’s,andalsofromstatetostate.Typically,eachcreditreportcostsless than$9.50.Youshouldcalleach CRAtoconfirmtheexactcostofthe reportbeforesendingany money. Use contact informationdescribed onpage 12andbelow.

Onceyoudeterminethecost ofthereport,sendLetter#1(RequestforCopyof CreditReport)to

Equifax,Experian, &Trans-Union, alongwithyour checkormoneyorder.

Ifyouhavebeen denied for any creditwithinthelast60days based onyour creditreport,youare legally entitledto a copyfreeof charge. SendLetter#2(Requestforfree copy of credit report)instead. It isimportantyou receivereportsfromallthreeCRA’s.Itis alsoimportant toincludein your letterof requestphotocopiesof yourDriver’slicense,statements ofaccount,or utilitybills thatshowyour name andbillingaddressclearly.

Sendeachlettercertifiedmail/returnreceiptandwait foraresponse.

SendyourLetterofRequesttoeach ofthefollowingCRAaddresses: Equifax:

EquifaxInformationServicesLLC PostOfficeBox740256

Atlanta,GA30374(Tel:800-797-6987)

Experian:

ExperianPostOfficeBox2104

Allen, TX75013(Tel:800-397-3742)

Trans-Union:

Trans-UnionPostOfficeBox1000

Chester,PA 19022(Tel:800-888-4213)

Bepersistentanddonotgiveupifa creditordoes verifythatthequestioned accountis indeedaccurate. Youhavethe righttoquestiontheaccuracyofyour reportasfrequentlyas youfeel necessary, and every letter*mustberespondedto.

Keepa record ofall letterssentandresponses receivedin the logonpages35-38.

Analyzingthethreecreditreports

Highlightandmakeaseparatelistofanynegativeinformation youmayfind.

Remember: Youwill challengeeverynegativeaccountyoufindwiththe letter*thatcorresponds toyour own uniquesituation.

Youwillprobablyseeanimprovementon your creditreportimmediately.In mostcasescreditorswill nottakethetimeor havetheinformationtoverifyorrespondtoyourchallenges.

How toidentifynegative information

Mostcreditreportsconsistof six basiccategories:

•CREDITORS, ORLENDERS

•HISTORYOF ACCOUNT

•COMMENTS, REMARKS,DETAILS

•STATUS(whenaccountwas opened/closedcurrentstatus)

•PUBLICRECORDS (taxes, liens, judgments,bankruptcies)

•INQUIRIES

Thesecategoriesmayvary,howeverCRA’Sbylawhavetomakeitreasonablyeasyforthegeneralpublic tounderstand. ManyCRA’Sshownegativeinformation ascodesor symbols. Lookfor akeyor amapto help understandwhatthecodesmean,makenoteofandhighlightanynegativeentries found.

Negativeentriesmayappearas:

30/60/90=30,60,90Daysdelinquent or pastdue.

PL=Profitand Loss(Creditor considersdebt uncollectible) C/O=ChargedOff (Bad Debt,Balancestillowed.)

COLL=SeriouslyDelinquent,(usuallysoldto a collectionagency).

REPO=Voluntaryor involuntaryrepossessionofmerchandise. (usuallyassociated with avehicle) BANKRUPTCY=Chapter7,11,13.

SETTLEMENT=Paidlessthanfull amountof debtowed. JUDGMENTS, GARNISHMENTS, LIENS =Legallyrecorded.

DEBT MANAGEMENT/CREDIT COUNSELING=Enrollment in a financial help program thatreduces

interestrates andfees,implying you maybehavingfinancial difficulty,mayalsobereported as athird partypayingyour bills. Manyprospectivelenderswillviewthis asachapter13bankruptcyor hardship program.

Duplicateaccounts=(Sameaccountreportedmorethanonce.)=Thiswill implythatyouhavemore outstandingdebtthenyouactuallyowe,andmayloweryour creditrating

Addingpositivecredithistory toyourcreditreport

Thereareseveral easyways toaddpositivecredithistoryto your creditreport. This shortchapterwill giveyoualltheimportantinformationnecessarytoinstantlyaddserious points toyour creditscoreand startbuildingstrongcreditreferencesrightaway.

Obtainpre-paid or securedcreditcards

Thisis anothereasywaytobeginbuildingrebuildingpositivepayment historyonyoucreditreport. A

prepaidor securedcreditcardisa creditcardthat holds yourmoneyascollateralforthe credityouuse.

Therearemanytypesof pre-paidandsecuredcredit cardaccounts. Thecollateral usedisalwaysmoney. Mostof theseaccounts require a securitydepositequaledtotheamountofthe creditlimitgiven plus a feefor theservice. Otheraccountsaregiven alargerlimitthantheamountof collateralgiven.Notallof thesetypesofaccountsarereportedtothe creditbureaus, soifyourgoal istoimproveyour credit;be veryselectiveinregards tothe accountyouuse. Inadditionmanyofthesetypesof accountscharge excessivefees. Theyearlyfeeshouldnotexceed$150for an averageandreasonable majorcreditcard.

Obtain SecuredBank Loans

Obtainingsecured bankloans iseasyandallowsyoutoacquireexcellentcredit referencesusingasimple techniquewecallthe“ThreeLoanManeuver”. You will need atleast $1000toperform thisprocedure andgetthedesiredendresult, BETTER CREDIT!Youwill applyfor3loanswith3different banksin 3

days.

Onthefirstdaytakeyour $1000tothe1stbankandrequestasecured personal loanwith aminimumof

85%loantovalue. This loanmustbeaminimumofa12 month term, withminimumpayments.

Thisis theeasiesttypeofloantoacquirebecauseit issecuredwith cash. Mostbankswillloan85%of the amountondeposit.Given theloan,the savings accountbecomesfrozen.However, every timea paymentismade, an amountequal to thatpaymentbecomes unfrozen,lessafewdollarsforinterest. Ask thatthe loanbeforatleastoneyear,withminimummonthlypayments.Monthlypayments establish a payment history. Youwill notbeturned down forthis typeof loannomatterwhatyour previouscredithistory,andin mostcasesitwillnotbechecked.If theloanofficerisplanningon

checkingyour credit,andyouhavebadcredit,tellthemyouaretryingtore-establish yourcredit,and

thatagoodcreditratingisveryimportanttoyou. Inaddition,makesurethat this typeofloanis reported toatleast oneofthemajorcreditreportingagencies.

Oncean$850loan(85%of$1,000)isobtained, takethat moneytoanotherbankthe nextdayandopen a secondsavings secured loanfor $722.50. (85%of $850= $722.50)Thenyourepeat thesamestepagain by openingathirdsavingsaccountof$614.12(85% of$722.50=$614.12). You will onlybeableto

obtain3loansif youonlyhave$1000becauseeach loanrequires anequal amount ofcollateralplus interest.

Paytheseloans offbydoublingthe minimumpaymentevery monthontimeusingtheunfrozen funds that becomeavailable.Eachtimeyoumakea paymentyouwill freeupfunds thatequal the amount you havepaidminus interest. As longasyouonlyusethesefunds torepayyour secured savings account

loanand youpay ontime youwill addpositivecredit referencesquickly. Theinterestrateshouldbevery

lowandnotcostyoumorethen $30per funded loan.

Makesurethat theloans arenot completelypaidoff for atleastsixmonths fromthe datethatthey wereopened.Thiswillensurethattheyarereportedto the creditbureaus.Youalsowant tobesure that accountsareeventuallysatisfiedor youmayonly behurting your credit.Bycompletingthiseasy andcosteffectivemaneuver;youwillhaveaminimumof threesolidcreditreferencesadded toyour credithistoryandadded anumberof pointstoyour creditscore.14

Equifax Information Services1(800)797-6987

P.O. Box740256

Atlanta,GA30374

Experian1(800)397-3742

P.O. Box2104

Allen, TX75013

Trans-Union1(800) 888-4213

P.O. Box

1000Chester,PA19022

Federal TradeCommission-ConsumerResponseCenter-FCRA1(877)FTC-HELP Washington,DC20580

Officeof theComptroller of CurrencyComplianceManagementOffice1(800)613-6743

Mail Stop6-6

Washington,DC20219

Federal ReserveBoardDivisionof ConsumerCommunityAffairs1(202)452-3693

Washington,DC20551

Officeof ThriftSupervisionConsumerPrograms1(800)842-6929

Washington,DC20552

National CreditUnionAdministration1(703)518-6360

1775DukeSt

Alexandria, VA22314

Fed. Deposit InsuranceCorp., 1(800)934-FDIC Divisionof ComplianceandConsumerAffairs Washington,DC20429

Department ofTransportation1(202)452-3693

Officeof FinancialManagement

Washington,DC20590

Department ofAgriculture –Officeof DeputyAdministration1(202)720-7051

Washington,DC20250

IdentityTheftDataClearinghouse1(877)ID-THEFT

600Pennsylvania Avenue, N.W.

Washington,DC2058015

EXAMPLELETTERS

LETTER1RequestForCopyOfCreditReport

Thisletterisusedforpurchasingyourcreditreport.Youmustfirstcontactthecreditbureausandget theircurrentpriceforacredit reporttoreceiveyourcredit reportssuccessfully.Seecontact information,page 12.

ToWhomItMayConcern,

Pleasesendmea copyofmycreditreport.Mypersonal informationisas follows: Full Name: Your NameHere

SocialSecurity#000-00-0000

DateofBirth:MM/DD/YY

CurrentAddress:Your StreetAddress

City, State,Zip

PreviousAddress:StreetAddress

City, State,Zip

Enclosedpleasefind mycheckinthe amountof $*0.00aspayment forthis creditreport. Alsoenclosed is a copyofmydriverslicense,andcopyof abillingorutilitystatementwithmycurrentaddressclearly stated.Pleasesendthereportto thecurrent address specifiedabove.

Sincerely,

Your SignatureHere

Date:MM/DD/YY 16

EXAMPLE

LETTER2RequestforFreeCopyof CreditReport

Thisletteris to obtaina freecreditreportbased oncreditdenial.If youhavebeendeniedcreditbased ontheinformationinyourcreditfilewithinthelast 60days;youare entitledtoafreecopyofyour creditreportfromthatcreditbureau.

ToWhomItMayConcern,

Iwouldliketorequestthatyousendmea copyofmycreditreportimmediately.I’vebeen deniedcredit

withinthelastsixtydaysduetoacreditreportissuedbyyour company.

TheFair CreditReportingAct of1970,15USC section 1681gprescribesthatthecreditbureaushould send meacopy oftheinformationwhichled to therejectionofmycreditapplication. Accordingtothe provisionof 15USCsection1681j, thereshouldbenochargeforthis information. Mypersonal informationis asfollows:

Name:Your NameHere

SocialSecurityNumber:000-00-0000

DateofBirth:MM/DD/YY

CurrentAddress:Your AddressHere

City, StateZip

PreviousAddress:Address Here

City, StateZip

Pleasesendthe freereporttothe address herebystated. Your immediateattentionto thismatterisappreciated. Sincerely,

Your SignatureHere

Date:MM/DD/YY 17

EXAMPLELETTERRequestToDeleteInaccurateInformation

Thisletterisusedfordisputinginaccurate information onyour credit reportwiththecreditbureaus. Youcandispute anythingyoufeelisinaccurate.

ToWhomItMayConcern,

Iamrequestingthatthefollowinginaccurateitems beimmediatelyinvestigated.Pleasedeletethis misleadinginformationinorderto showmytrue credit history. By theprovisionsof15USC section

1681iofthe Fair CreditReportingActof1970, I demandthatthefollowingitemsbere-verified and deleted frommyrecord.

Underfederallaw, youhave30days fromreceiptof this lettertore-verifytheseentries. Itshouldbe understoodthatfailureto doso withinathirty-dayperiod constitutesreasontopromptlydeletethe

informationfrommyfile FCRA 15USCs1681i (5)(A).

Also, pursuanttoUSC s1681i (6)(A)ofthe Fair CreditReportingAct,pleasenotifymewhenthe items havebeen deleted. Youmaysendan updated copyofmycreditreporttothe addressbelow. According to the provisionsof15USCsection1681j,thereshouldbenochargefor thisnotification. Additionally, pleaseprovidemewith thename,addressandtelephonenumberof eachcredit grantororother subscribersthatyoucontactedfor followup.

Mypersonalinformationisasfollows: Name:Your NameHere

SocialSecurityNumber:000-00-0000

DateofBirth:MM/DD/YY CurrentAddress:Your Address City, StateZip

PreviousAddress:Address

City, StateZip

Sincerely,

Your SignatureHere

Date:MM/DD/YY 18

Idemandthatyousendmeacopyofmyupdatedcredit reportshowingtheeliminationof theitems disputedbymeintheattached letters. Accordingto theUSC section 1681j,this copymustbeprovided atnocosttome.Additionally, I demandthatit bepostmarked withinfivedaysaftersigningthecertified mail receiptyouareholding.

Your failure toprovidemewith an updatedcopyofmycreditreportwith thedisputeditems deleted will promptmetopursuemylegal rightsunder15USC Section1681nor1681ooftheFair Credit Reporting act,“Civilliabilityforwillfulnoncompliance”.Yourcredit bureau maybeliable for:

1)Anyactual damages I sustain duetoyour failureto deletetheitems.2)Punitivedamagesasthecourt mayallow.

3)Costofthe courtaction,plus attorney’sfees.

Acopyofthis letterhas been senttotheFederalTradeCommission, theSubcommitteeonBanking, CreditandInsurance,andthe Department of BusinessandProfessional Regulations (Divisionof ConsumerComplaints.)

Name:Your NameHere

SocialSecurityNumber:000-00-0000

DateofBirth:MM/DD/YY CurrentAddress:Your Address City, StateZip

PreviousAddress:Address

City, StateZip

Sincerely,

Your SignatureHere

Date:MM/DD/YY 21

EXAMPLELETTER RequesttoDelete UnauthorizedInquiries

Thisletterisusedtodeleteunauthorizedinquiriesfrom yourcredit report.Many timescompaniesdo nothaveyourpermissiontoaccessyourcredit report,butdoitanyway.Thislettershouldbesent certifiedmailreturnreceipt.

CertifiedMail#_0000-0000-0000-0000-0000

ToWhomItMayConcern,

Iamwritingthislettertoinform youthatthatthefollowingcompaniesmadeunauthorized inquirieson mycreditreport. I havelisted thenames ofthecompanies;andthedatestheinquiriesweremade.

Name: _Citibank_Date:__12-5-02

Name: _Countrywide_Date: 2-17-03

Name: _ABCInsurance Date: 4-22-04

Name: Date:

SinceI didnotauthorizethesecompaniestoobtainmycreditreport,Idemandthattheseitemsbe removed immediatelyandmycreditscorebeadjustedaccordingly. InadditionIamrequestingacopy

ofmyupdatedcreditreportreflectingthesechangesbesentto meimmediately.I appreciateyour attentionin thismatter.

Name:Your NameHere

SocialSecurityNumber:000-00-0000

DateofBirth:MM/DD/YY CurrentAddress:Your Address City, StateZip

PreviousAddress:Address

City, StateZip

Sincerely,

Your SignatureHere

Date:MM/DD/YY 22

EXAMPLE

LETTERRequesttoMergeInquiries

Thisletterisusedtocombineseveralinquiriesintoone.Forexample,youmay haveappliedfora home loanwitha mortgagebroker whoallowedmany companies topullyour credit report,which wouldhavea negativeimpactonyourcredit.

ToWhomItMayConcern,

Ihaverecentlyfoundonmycreditreportthe presence ofseveral inquiriesasentriesseparatedfrom their correspondingaccounts. Theseinquiriesduplicateinaccuratelythe informationinmyreport,and reflectan incompleteandinaccurateprocessingofinformationin myfile. Theinquiry entries shouldbe deleted,oratleastmergedinto the accounts to whichtheybelong.Theaccountsinquestionare:

CompanyNameDate

MBNA_

_2/7/05

MBNA Financial Services 2/7/05

Ques

MBNA HomeLoanServices 2/7/05

Underthe provisionsoftheFairCreditReportingAct15USC Section 1681i, pleasereinvestigateand deletethesedisputeditems, andsendmethe namesandaddressesof persons contacted.Under15USC Section1681i (5)(A), youareallowedthirtydays fromreceiptofthis lettertocomplete theseactions, unlessyouimmediatelynotifymeotherwise. Pleaseunderstandthatfailuretore-verifytheseitems withinthis timeconstitutesnon-verification, andtheitemsmustbepromptlydeletedasperSection

1681i(a).

Also, accordingto15USC Section 1681i (D)ofthe FairCreditReportingAct,pleasenotifymewhenthe items havebeen deleted, andsendan updatedcopy of mycreditreporttotheaddressbelow.There shouldbeno chargefornotificationofchangesonmycreditreport,pursuantto15USC section1681j, of theFairCreditReportingAct.

Iappreciate your assistancewiththismatter. Sincerely,

Your SignatureHere

Name:Your NameHere

SocialSecurityNumber:000-00-0000

DateofBirth:MM/DD/YY CurrentAddress:Your Address City, StateZip

PreviousAddress:Address

City, StateZip

Date:MM/DD/YY 23

EXAMPLELETTER Requestfor ReasonsofCreditDenial

Thisletteris torequestthereason(s)forbeingdeniedcredit.This letterisspecificallyusedfor obtaining informationfromthatcompany tohelpdispute thosenegativeitemsfurther withthecredit reportingagencies.

ToWhomItMayConcern,

Your companyhasdeniedmecredit.

Pleasebeadvisedthat,pursuanttoSection615(b)of theFederal FairCreditReportingAct,I amentitled torequest,andI herebydoso,a full disclosureofthe factualinformationdisclosedtoyoubypersons otherthanConsumerReportingAgencies,sothat Imayrefute,challengeor disputeitsaccuracy.

Pleasetakefurthernoticethatyouarerequired torendersuchnotificationtomewithinareasonable periodof time.TheFederalTradeCommissionhas defined suchreasonabletimeas 30daysafteryou receivethis request. Pleasesendtheinformationto theaddressstated below.

Mypersonalinformationisasfollows: Name:Your NameHere

SocialSecurityNumber:000-00-0000

DateofBirth:MM/DD/YY CurrentAddress:Your Address City, StateZip

PreviousAddress:Address

City,StateZip

Sincerely,

Your SignatureHere

Date:MM/DD/YY 24

EXAMPLE

LETTERExplanationforDelinquentPayment

Thisletterisusedforpleadingwithacreditor thefactthatyouruntarnishedcredit reporthasbeen affectednegativelybecause of oneproblemovermany yearsof goodpaymenthistory.Youare asking thecreditor toremovethenegativeinformationas aone-time courtesybasedonyourexcuse.

ToWhomItMayConcern,

Ihaverecentlyfoundthat severalofmypaymentsto your accounthavebeenlabeled as“late” onmy

creditreport.Thesemissedpaymentsweredueto:

_Ihadbeen sickwith theflu for almostthreeweeks,whichcausedmetoloosealmost amonth’ssalary.

Sincethen I havebeenworkingfull timeandI havecaughtuponallofmy

bills.

Ihavealways paidmyaccounts ontimeinthepast. Sincethelatepaymentsoccurredfortheabove justifiable reasons,please correctthepaymenthistoryformyaccountatthefollowingcreditbureaus, whichcarry thehistoryofmyaccountwith you: