Resources
The first, and most important, thing you need to know about the 3 credit bureaus

The credit bureaus are not goverment agencies. They are privately owned companies that make billions of dollars from selling YOUR credit report. And how they report that data is where the problem is. Read more

How your credit score is calculated

No one knows for absolute certain the exact formula that is used to calculate a score, but we have a good idea of the approximate percentages for credit events and how they are affect the final number. Read more

Is the method that you are saying on this site legal?

You will never find anything on this site that tells you to do anything that could potentially cause legal problems for you. I have personally done everything that I tell you do to, and would never jeopardize my, or my family's, well-being. Read more

How do I know if this works?

I hate testimonials...I really do. You never know if what you are reading is truthful, or just another ploy to get you to believe them. So my personal guarantee to you is that I will never edit any testimonial that a user puts on this site. So, with that said, to view what people are saying click the "read more" link below to view their statements.  Read more

 

Regardless of what anyone tells you, repairing your credit costs money. However, you don't have to pay a monthly fee to a "credit repair" company, which in the end will cost you hundreds of dollars. I am going to give you 3 methods, and each method costs more than the previous. Depending on your situation, you choose with method you can afford.

All three methods will cost you a minimum of $20 by first buying the letters from me that you will be sending to the bureaus. Unfortunately I have to charge something for the amount of time it took to perfect these letters, not to mention the time it took to build this website. However, I will not charge you what I paid for the information that I bought to create this package...not even 1/4 of my cost. I simply want $20 for my time, which will literally save you thousands in interest and finance charges that you will save. I think that's fair, and I hope you agree.

To prove that my letters work, I will show you my actual response letter from Equifax that I received on 3/27/13 showing that all of the items that I disputed were removed or updated. I have blocked out my personally identifiable information for privacy. Click here to see the letter.

Start by buying the letters from my payment page here.



Method #1 - The cheapest way

  1. Get your free annual credit report from AnnualCreditReport.com. Be sure to follow the instructions when it says to click the "Return to annualcreditreport.com website" or you will have to start all over. If you have already done this within the past 12 months, you will need to purchase your report from each of the credit bureaus.
  2. Go to your local post office and get the supplies to send out Certified Return Receipt letters. Grab a small stack of each form, but don't go crazy and grab them all. Just make sure you have enough for a few rounds of letters without having to get more. You will need the green card, as well as Form 3800. This is absolutely necessary since you must send each letter via certified mail so that you can prove that the bureaus received it, and what day they got it. The 30-day period starts from the date that they receive it.
  3. Complete the first round of letters for each bureau. Check and double-check your work, and make sure that you follow the instructions exactly as I have stated in the instructions. This will ensure the maximum possibility of having the items removed, and to avoid having to file a lawsuit with will cost additional money up front. If (or should I say when) you win you'll get the money back, but let's try to avoid that as best we can.
  4. DO NOT send letters to all 3 bureaus on the same day. Behind the scenes the bureaus know that you do this and you run the risk of having your file flagged. Wait 4 days after you send the first, and then 4days after the second for the third. This will give enough space in between to not cause any suspicion.
  5. Within 2-3 weeks you should start getting letters back from the credit bureaus. Do not respond to any letter that they send as this will give them additional time that they want to "investigate" your dispute. The bureaus are famous for using stall tactics to get you to give them the extra time that the FCRA allows if they receive "additional information". Simply grab your green card and wait until the 30 days have passed before you do anything, including sending the next round of letters if need be.
  6. If the items that you included in your previous letter were not deleted or updated per your request, prepare and send the next round the same way you did the previous. Again, allow 30 days before you do anything else, and DO NOT respond to any of their letters before the 30 days are up.


Method #2 - The second cheapest way

  1. Set up a monthly subscription to Stamps.com that allows you to create and send certified mail. When doing so, click the microphone in the top right corner and enter the code TWIT to receive additional free postage. While you're there, order a bunch of free shipping supplies (flat-rate boxes, etc.) so that you have them for any future shipping needs. They're free, so why not take advantage of the opportunity. Don't forget to get the Certified Return Receipt forms as well, though you may need to go to the post office for that.
  2. Choose a monthly credit monitoring service that allows you to monitor all 3 of the bureaus. A favorite of mine is IdentityGuard.com. They have a Gold, Platinum, and Platinum+ plan with a few different options. I suggest signing up for the Platinum plan so that you can monitor public records as well ($19/mo. as of 4/1/13). This will be very useful in monitoring your progress, and provides monthly updates to your scores.
  3. You can use IdentityGuard to buy a copy of all 3 credit files for a discounted price. If not, then get your free annual credit report from AnnualCreditReport.com.
  4. Go to method #1 and follow the steps


Method #3 - The most expensive way (and the one that I use)

  1. Set up a monthly subscription to Stamps.com that allows you to create and send certified mail. When doing so, click the microphone in the top right corner and enter the code TWIT to receive additional free postage. While you're there, order a bunch of free shipping supplies (flat-rate boxes, etc.) so that you have them for any future shipping needs. They're free, so why not take advantage of the opportunity. Don't forget to get the Certified Return Receipt forms as well, though you may need to go to the post office for that.
  2. Go to each credit bureaus website and sign up for their monthly credit monitoring. Each service costs around $15-$25 per month, but will give you the best information as to what is in your file with each bureau. They also give you free credit file updates each day (usually 1 per 24 hours), as well as free credit score updates when you refresh your report.
  3. Go to method #1 and follow the steps