Most people wait until they need their credit to check it.

Review your credit report with a fine tooth comb. The only items that can remain are those that are accurate, timely and verifiable. If you find any questionable items, then you have the right to dispute. If you need help either reading the credit report or disputing, then go to for detailed video instructions. You’ll learn what’s holding your score down and what you steps you need to follow to improve your credit. Whether you do it yourself or you hire a professional, remember that you must monitor your credit report at least every 6 months.

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Most people wait until they need their credit to check it. That’s a mistake. It can take several months to clean errors off your credit report. Their system is designed to keep you in the dark so they can make money by their own laziness and incompetence. Don’t give them a single penny more than you have to. Like my dad always says, “It’s not how much you make, but how much you keep that counts.” And if it ever seems hopeless, remember, I’m in YOUR corner. Enjoy the rest of the report and please keep me in mind should you need help with your credit repair.

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Repairing credit is, dare I say, an art form. The best among us have such an extreme understanding of the system that we know which Experian PO Box has the greatest likelihood of removing a bankruptcy… or the exact percentage of a 2 year old $20,000 debt Chase will accept settlement. It’s impossible to explain everything you could possibly need to know about credit repair in a simple report because these variables are constantly changing. The best I can do is provide you with a blue print for a system we’ve used with great success in the past. Grappling (in mixed martial arts) is effective because it’s based on the fact that 90% of all fights will end up in a clinch. Get good at fighting in the clinch and you’ll have an advantage.

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The process that follows is effective because it’s based on statistical probability. From years of testing we know that 3 out of 10 creditors will fail to respond to roughly 1 out of 3 disputes. Since the credit bureaus must delete anything which your creditor fails to prove is accurate, that means you can expect to remove 33% of the errors from your credit report just by disputing them 3x. The trick is knowing what to dispute and how to go about it to get the best result. Do this wrong and they’ll say your dispute is frivolous and refuse to investigate, or worse, you could end up getting sued. I make no guarantee as to your outcome or if your score even improves.

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There are too many variables involved besides your payment history to make that guarantee. Some people will see better results and others will see no items removed at all, but the average number of items you can expect to remove with this strategy is 3 out of 10 items disputed. Please Note: 1. I assume that the items you are disputing are inaccurate, obsolete or unverifiable, in which case you are perfectly within your rights to remove them from your credit report. 2. Each round of disputes provides 30 days for the CRA’s and your creditors to investigate and respond. Yellow boxes are your first letter, red is your second letter, light blue the third, and dark blue the 4th. Copyright 2013 How to Fix My Credit. All rights reserved. 3. The burden of proof is on the Credit Reporting Agencies (CRA’s) and your creditors, so make them do the work. Don’t give them any more information than they need to investigate. The more you put the burden on them, the more likely it is they will fail to respond with the proper documentation in the time allotted by law.

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