• Learn from a collection agency insider

    Learn from a collection agency insider

    BestCredit: How to Win the Credit Game (2nd edition)

    This former debt collector knows firsthand the consequences of bad credit—how a financial setback can you leave you unable to buy a house or car, rent an apartment, get insurance, or even land a job.

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  • The readers have spoken.

    The readers have spoken.

    “GREAT”

    ~ Richard DiMaggio (Attorney & Author)

    “Dana is in a class of his own…”

    ~ Dennis M. Fisher (Mortgage Banker)

    “…a $9,500 debt down to $3,000.”

    ~ David Trydahl (Big Pine, CA)

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  • Credit Ratings: understanding FICO scores

    Credit Ratings: understanding FICO scores

    Understanding credit ratings is an integral part of having a successful credit repair program.

    Without a fundamental understanding of credit ratings, a credit score can actually go down with the removal of the wrong bad credit entries.

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Debt collection statutes of limitation by state

September 19, 2012 | By

Knowing the debt collection statutes can assist in negotiating debt!

In addition to Credit Reporting Statutes of Limitation, there are statutes of limitation that apply to debt collections, in terms of how long a creditor has to collect on a debt using a lawsuit.

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Credit Ratings: advanced strategies for FICO scoring

September 19, 2012 | By

Real world strategies for improving credit scores.

Let’s dissect each of the five scoring elements and consider them in terms of their relative connection to practical, real-world actions you can take to improve your credit rating.

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Credit Ratings: understanding FICO scores

Credit Ratings: understanding FICO scores

September 17, 2012 | By

Understanding credit ratings is an integral part of having a successful credit repair program.

Without a fundamental understanding of credit ratings, a credit score can actually go down with the removal of the wrong bad credit entries.

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ChexSystems: checking account credit repair

September 15, 2012 | By

Bank account bad credit can be fixed.

It’s important that consumers maintain a checking account in good standing, since failure to do so will often result in a credit denial for many types of credit.

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Credit reporting statute of limitations for bad credit

Credit reporting statute of limitations for bad credit

September 15, 2012 | By

How long can bad credit stay on your credit report?

Sometimes it can seem like trying to read an Aztec Calendar when attempting to understand the nuances of credit reporting statutes of limitation. The short answer is that credit reporting agencies generally keep bad credit information for seven years, yet by law they can delete the information anytime they wish, even before seven years.1 The long answer, however, is much more complex.

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Crafting an effective credit repair letter

September 15, 2012 | By

Disputing inaccurate bad credit using letters.

One thing you must always consider carefully when removing inaccurate information is your FICO credit score. Some inaccurate information may not be adverse at all, and its presence may be helping your score more than it’s hurting it.

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Reader spotlight: Christy made it work

Reader spotlight: Christy made it work

September 13, 2012 | By

A young woman’s success story.

I am a young woman in my mid/late twenties who made a royal mess of her credit report as a “new adult”. I have searched high and low, and read every book and website you can imagine about how to clean up my credit score.

Not a single book helped me until this one.

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