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


Credit bureaus are illegally reporting your credit history

"Age ain't nothing but a number

While that may be true, nothing is more true than the same statement when it comes to finances. The only difference is that number is your credit score.

Everyone makes mistakes, and we all pay for those mistakes in one form or another. But if you're reading this then the mistakes you've made are affecting your ability to obtain the credit that in today's world is critically necessary. But what you don't know is that the credit bureaus have been violating everyone's rights for years...and yes I mean EVERYONE.

The FCRA requires that credit bureaus can only report information that they can verify 100% is completely and totally accurate. But, they don't have the necessary proof on file to be able to do so. As a result, they can not legally report anything on your credit report...including (and most importantly) things that are damaging to your credit that cause you to be denied a loan.

So if this is true, you ask, how are they getting away with it? The answer is one holds the credit bureaus responsible. They think that it's going to cost a lot of money that they don't have, or have the "you can't fight city hall" mentallity. The truth is it doesn't cost as much as you may think, and when you follow the steps that I did you'll see how easy it really is.

I have personally done everything that I'm about to tell you, and the results that I have seen are nothing short of amazing. For years I tried every "credit repair" program out there, only to be discouraged my the lack of results, and out a lot of money.

Now, before we start, I'm not out to make a huge profit like the other companies that I'm sure you seen. I will be straight forward with you and tell you that I do charge an insanely small fee compared to what you will be getting when it's all said an done. So as long as we're clear on that, take a look at the following links so that you can navigate this website.

History So that you can see that I am an actual person, and not some company that just throws up a website and waits for your money, I've provided the full story of my credit history over the years. I'm sure that a lot of you will find similarities in where you currently are in your life.
CRA 101 This page is a detailed explanation of what the credit bureaus don't want you to know. It explains how they are breaking Federal Law by not adhering to the FCRA (Fair Credit Reporting Act).
Next Step Here I explain the process known as the "609 dispute", and what you need to do in order to force the CRA's to follow the law. We as citizens must follow the law, so why shouldn't they?
FAQ Here at some frequently asked questions that I've asked throughout my journey, as well as some that other people have asked me. As time goes on I will be updating this page as much as possible.
Contact If you can't find the answer you're looking for, or have a specific question concerning the process, you can send me a message here. I try to respond to every message that I receive, however I am just one guy, and would appreciate your patience.