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This really isn't a "Mission Statement" because I'm not on a mission to buck any part of the financial or credit system. What I am doing is offering my 30+ years of mortgage and real estate experience to help educate my personal clients and anyone else wanting to learn more about the "Financial" and "Credit Industry" and how to understand and use it for YOUR credit advantage.
No matter what topics we will be discussing, sooner or later they will all lead back to financing and credit... this is what makes our world go around. And, we all know how extremely important our credit is in this day and age.
So, you don't have to hang-on tight, because it won't be a bumpy ride! We'll be concentrating on applying proven procedures and current information for making your credit healthy again or for the first time.
Stay tuned for more informative articles...
Charles "Randy" Nelson
Mortgage Broker/Realtor
P.S. Get YOUR Free Copy of "6 Credit Repair Myths" While Quantities Still Last! Just click here for your --> ( "6 Credit Repair Myths" ) and Learn How 6 Highly Guarded Industry Secrets Can Raise Your Credit Score IMMEDIATELY!
New H.R. 627 Outline
After looking at the actual bill I was able to swipe the best written version of the new H.R. 627 Credit Card Accountability Responsibility and Disclosure Act of 2009 that I could find. The credit goes to "The Credit Repair Blog" and I wanted all you readers to get this first hand even if it wasn't coming from me directly.
 On May 22, 2009, President Obama signed into law the Credit CARD Act of 2009. The full title of the law: Public Law 111-24 is the Credit Card Accountability Responsibility and Disclosure Act of 2009. It amends the Truth In Lending Act, the Federal Trade Commission Act and the Electronic Funds Transfer Act.Following is a description of the main provisions of this important consumer protection legislation. Keep in mind that there are many sections of the law where the Federal Reserve Board (often with the cooperation of other regulatory agencies), will be required to develop rules that describe how the law will work in real life. In other words, this is not the final word on this law, but it is meant to help you understand it and not provide a legal interpretation. [ click here to follow the rest of the article --> ]
- Your Clean Credit Fix
CREDIT REPAIR STRATEGIES
The easiest strategy for repairing your credit is to dispute questionable and erroneous derogatory claims as follows:
1. Get your
Free Credit Score + Free Credit Report + 7-day Free Trial of 3-Bureau Credit Monitoring at CreditReport.com!
2. Analyze your report, each repository reports and grades differently. One of the 3 repositories may show a derogatory claim where as the other 2 do not and vice-versa. Check each account number and dates of reporting to make sure that any claims are specifically yours and are either correct or incorrect.
3. Make a list of all items you consider to be questionable or negative. Clearly identify each item in your report that you dispute, explain why you dispute the information and always show proof.
4. Write a dispute letter to each credit repository making the claim. (See our sample credit repair letter) click here -->. Provide any and all documents that help justify your claim. On a separate page add your full name, date of birth, current address, former address, driver's license number, social security number, home and work phone numbers, employer, spouses full name and add a utility such as a electric or phone bill that shows your exact name and correct matching address. If you are a Sr. or Jr. etc., specify. If necessary and you're receiving a "Joint Credit Report" with a spouse or significant-other use the same directions as above for them. All of this information you're providing to the repositories helps their investigation go faster.
5. Send the letter(s) to all 3 credit repositories. Make sure you send it certified mail with return receipt requested.
6. Document and copy your efforts. Record when you sent your letters, and when you received the results or a form of communication.
7. Wait for (have patience) the repositories to investigate your claims.
8. Analyze and scrutinize your results thoroughly.
9. Were the item(s) deleted or changed to your satisfaction? You may continue steps 1, 2 and 3 above until you feel the dispute is settled to your satisfaction. Remember, there is no charge for a reinvestigation. If you don't get the results you want, dispute the derogatory claim again.
Remember... The repositories make their money providing credit reports to lenders, not by fixing bad information in their databases for YOU. The repositories are not always cooperative, expedient or correct, so you must have patience when corresponding. Fight-back, it's your right and good-credit (your good-name) that you have to protect because the entire business world is scrutinizing your report and it needs to paint an accurate picture of who you really are and what historical events (good or bad) you've been through!
- Your Clean Credit Fix
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