Written, compiled, and edited by Curt Dillion

Copyright 2006 by Curt Dillion &

This tutorial contains a complete and advanced strategy that anyone can use when attempting to clean up their credit. It should be sufficient to for most credit repair situations. If you need more advanced strategies, or strategies to deal with debt collectors, or even asset protection, go to the link above.

Here are the three simple steps you will use to repair your credit.

  1. Obtain your three credit reports. Each credit bureau must furnish everyone with a credit report once a year, if it is requested.
  2. Review the reports and locate the negative items. Reading the information on a credit report takes a little effort, but it’s not hard.
  3. Dispute the items that you want removed or corrected.

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Repairing your credit is not as intimidating, or difficult, as it might seem. It's as easy as writing a few very simple letters. The best letters are short and direct. This point is very important, and I want you to remember it: “the best letters are short, simple, and direct.” Never offer any explanations whatsoever, unless you are giving an explanation of a negative entry in a credit bureau file that you have been unable to repair.

It's actually fun to make the "people in charge" listen to you, and do what you ask, rather than the usual routine of them telling you their policy, and doing just as they please.

Your BIG GUN will be “Debt Validation.” It is the primary tool you will use when attempting to clean up your credit. It is also one of the tools you can use if you have to deal with a collection agency. While collection agencies have almost no restrictions on the amount of time they have to validate a debt, credit bureaus do not. If they don't properly validate a debt within thirty (30) days of your request, they must remove the entry from your file.

Credit bureaus are merely big filing cabinets that take in vast amounts of information every day. They don't have the time or resources to check all of the information which comes in on a daily basis. Frequently, the information is wrong, and they never question it!

Here are some things that they would rather you don't know.

  • Credit reporting agencies are subject to The Federal Credit Reporting Act.
  • Each item in your credit file must be proven or it cannot remain in the file. If the credit bureau cannot validate the item, it must be removed from your file, whether it's true, or not. Validation is not simply, "yep, they said it's yours." It takes some real effort.
  • Every negative entry on your report can be denied or challenged at any time. The bureau must reinvestigate and if that item cannot be verified within a "reasonable amount of time", (30 days) it must be removed from the file. However, they do have an option to deem your request "frivolous" under certain conditions.
  • Many times the creditor does not re-validate in the time allowed, or the credit bureau is busy and does not handle your dispute properly. The disputed entry must then be deleted.
  • The older an item is, the more difficult validation is. It is possible it cannot be validated because records may no longer exist after a year or two.
  • As of September of 2005, all credit reporting agencies must provide one copy of each individual's credit report every year, upon request. The three major nationwide consumer reporting companies have set up one central website and a toll-free telephone number, through which you can order your free annual report. To order your free credit reports, click on annualcreditreport.com or call 877-322-8228. You must obtain copies of your credit report from all three of these major credit reporting agencies. You should do this every year.

NOTE: These companies ARE ALLOW ED to charge you for your credit score. But, you DO NOT need your credit score. They don't like doing anything for free. They may try to get you to pay for this, and not even tell you what you are paying for.


A free report is all you need. You only need to see the entries that other people have put in your file. Repair your credit, and your credit scores will automatically improve.


P.O. Box 2104Allen, Texas 75013-2104 1-888-397-3742


Equifax Inc.

P.O. Box 740241Atlanta, GA 30374 1-800-685-1111


Trans Union Corporation

Consumer Disclosure Center 2 Baldwin Place

P.O. Box 1000Chester, PA 19022 1-800-888-4213


I don't know why, but these credit reporting agencies seem to change their mailing addresses fairly often. So, you may have to get their current address. You can get the current information on the Internet, or most any business involved with credit. You can also call them for their current address.

The Credit Bureaus are trying to get you to do everything online. You can get your reports online from www.annualcreditreport.com , but DO NOT contact the Credit Bureaus online at any time. You must use the postal service for this strategy to work. The above website addresses are only there so you can view their sites.

When you have received and reviewed your credit report, follow these instructions for any negative entries. Send a very brief letter by certified mail with the following information."I am disputing this item (or these items) on my credit report. (insert a sentence here which explains why you are disputing the items, ie "you are misreporting the information," or "this account is not mine," etc.) Please verify and validate it (them)."

NOTE: the word "verify" is a very special and strong legal word. In Black's Law Dictionary, fifth edition, it is defined, "To confirm or substantiate by oath or affidavit." Always use the word verify, in any type of dispute letter. You will probably never go to court over a credit dispute, but if you do, it may be important that you have used the word “verify” in your letters, and that you know its legal definition.

There is case law involving The Fair Debt Collections Practices Act, which states exactly what it takes to verify that a debt is valid. Validation of the debt can either be a signed judgment order, or an accounting which is signed and dated by the person responsible for maintaining the account general ledger. A COPY of the original contract with your signature on it is NOT validation.

Case references: GE capital Hawaii, Inc, v. Yonenaka, 25 P.3d 807, 96 Hawaii 32, (Hawaii App 2001) Town of Brookfield v. Candlewood Shores Estate, Inc., 513 A.2d 1045 (3Dist. 1987) Fooks v. Norwich Housing Authority, 28 Conn. L. Rptr. 371, (Conn. Super.2000)

If a credit bureau gives you any static about validation after you send the "not sufficient to show I'm a debtor" letter described in the next paragraph, don't hesitate to fire off another letter quoting the information above. Although the cases pertain to The Fair Debt Collection Practices Act, debt validation is debt validation, and the courts have defined it.

When the credit reporting agencies receive your dispute letters, they will check the item, or items, that you dispute, and give a brief reply. They have a total of 30 days from the receipt of the original certified mail you sent to them, asking for verification. Wait until there are only 10 days left, and send another certified letter stating: Your alleged

validation is not sufficient to show that I am a debtor to that creditor. Remove the entry from my file.

They will have insufficient time to check it out, and they must remove it from your file. If for some odd reason they do provide sufficient validation, it must be 100% accurate, or they must remove that information from your file.

ALWAYS, ALWAYS, ALWAYS - only communicate with these people in writing thru the mail. An old axiom is “if it isn’t written, it wasn’t said.”

  1. Always send certified letters that make them sign a card when they receive your letter.
  2. Always keep copies of everything in a special folder, just in case you ever need to go to court.
  3. Always demand an updated copy of your file after the negative items have been removed.

About dispute letters:

You want to make your letters to look “unprofessional,” so that you don't raise any Red Flags with the credit bureaus.

  • Do not use dispute forms or file numbers provided by the bureau.
  • Do not photocopy a “fill in the blanks” form letter.
  • Do not use a letterhead.
  • Instead, send a simple handwritten, or printed, letter from your computer.

WARNING: Do not dispute more than three (3) items on your credit report at any one time. Also, wait sixty (60) days before disputing any other items on your report. There are laws in place which allow the credit reporting agencies to regard your disputes as frivolous if they detect that you are trying to eliminate all negative information on your file.

There are more advanced and controversial techniques a person can use if their circumstances require it. Identity theft is a growing problem in our complicated society. Under certain circumstances, the use of "identity theft affidavits," is a powerful strategy.

If a person feels they are being blocked or ignored by credit bureaus, there is a way to use small claims court to get the results you want. This is also a very powerful strategy. All of these strategies are available through Secrets-Of-The-Credit-Industry.com .

A word about bankruptcy and other legal items in the public records on your credit report. These items are almost impossible to get off your report without using more advanced strategies, which are explained in the "Credit Repair Made Easy," available from the link at the top of the page. Some of these are strategies which no attorney or credit repair service would even consider doing for you. It's strictly "do it yourself," but it's not hard.

However, after three years most courts move the files into an archive warehouse, that makes it almost impossible to verify the legal items. So, you might consider waiting until these items are three years old before trying to get them removed. This may change as computers continue to simplify file storage.

It is unlikely that you will vastly improve your credit rating in thirty days as some people promise, but you should see some solid improvement in thirty days. Everyone's situation is different. In some cases that need only two or three corrections, thirty days might do it. NOTE: We also have two very special programs available to you. They are briefly outlined below. The asset protection program may be used without debt elimination by anyone who wishes to protect themselves from suits and such. You will need to talk to our representative for all of the details.

DEBT ELIMINATION: This is for people who are seriously delinquent, or in collection. Read the questions and answers at the Debt Elimination page, which can be reached from Secrets-of-The-Credit-Industry.com .

ASSET PROTECTION: One program sets up a lifetime limited liability business corporation for you, and eliminates unsecured debts. Under this umbrella of protection you are able to do everything as a business, with business credit. You can never be sued by banks, lenders, third party debt collectors, bank issued credit card accounts, hospital bills, new or future lawsuits and judgment creditors.

It has been said that no one can truly protect their assets. However, a person can choose who they will lose their assets to, in the event of a lawsuit. Imagine losing your home to your adult children, rather than some governmental agency.

There are some really good ways to utilize liens as asset protection. You can read more about all of this at the Asset Protection page, which can be reached from Secrets-of-The-Credit-Industry.com .

the end

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