Attention Bad Credit Victim: If you’ve been a road side casualty of bad credit due to late pays or something beyond your control focus on this because you’ll stumble upon the same credit increasing discovery I did.

A poor credit rating can make life difficult.  I ran into a situation in Sept 2002 with my own credit.  I had about $31,322 in credit card debt balances and the bills were piling up like a trash dump on free dropoff day.  It was getting that bad.

With the September 11, 2001 attacks the job market was in the crapper and I was out of reserves.  Soon I was 3, 4, and 5 months behind on my payments.  I thought I had found a solution to eliminate the debt but it failed to work as well as I would have liked.  Long story short, through all the headaches and excruciating harassing phone calls I was living in fear.

My credit was destroyed and I was getting “offers” for $500 limit credit cards with a $197 annual fee AND a $72 monthly maintenance fee that was of course due in full for the first year upon activation of the card.  So the company was doing nothing and I would already have to pay $269.  What a rip off and obviously I declined.

My credit score dipped to 543 and it was stopping me from getting my real estate business going at full tilt.  I have scoured the internet for solutions and found a couple of good ones.

If you can read and write at the 7th grade level then i’ll show you how to raise your credit score up to 249 points in under 90 days... so you can be approved for the cars, homes, (business loans) and credit cards you deserve!

Those were the better headlines I found about some credit repair systems so I decided to cut the wheat from the chaff.  In doing my research I found a couple things to be true.

There are 4 basics to the credit repair process:

1.    request your report from each of the 3 bureaus separately

2.    get the direct customer service phone number off each report

3.    call them and get that representatives dedicated fax number

4.    fax them the dispute letter for each negative you are deleting

The original creditor is legally obligated to respond within 30 days or else the bureau MUST remove the item immediately.  This is protected by the Fair Crediting Reporting Act that works for you.

Obviously, there are more steps and insider secrets to discover and use for maximum credit score improvement.  At last I found a group of top credit repair insiders finally agreeing to reveal their highly classified and top secret dirty little techniques that raise your credit scores almost instantaneously.

It took much time searching, scouring and rubbing my eyes.  Now you have the benefit of my research and for more credit repair insider tips click below.