GUERRILLA TACTICS THAT
YOU A GOOD CREDIT RATING
LEARNING HOW TO GET CONNECTED WITH GOOD CREDIT
Obtaining credit can be incredibly easy or extremely
difficult. Once you have established credit, it can open doors of
opportunity you never even considered being a possibility. Credit can
allow you to take the dream vacation of a lifetime, drive a luxury car, dress
in the latest fashions, achieve the American dream of owning your own home,
or starting your very own business.
fact is, now that society has rapidly shifted into the fast-lane of being a
cashless society, it would be almost unthinkable not to have credit. People
who have the misfortune of losing their good credit rating in today's world,
will most certainly immediately begin to feel like social outcasts.
is a very traumatic experience when people find out something is wrong with
their credit. Millions of people have been, and will continue to be notified
they now have bad credit. Many don't seem to understand how it all came
about! What they do know, however, is that all of a sudden they aren't as
well-off as someone who still has their good credit.
good credit, people soon discover it's difficult to just keep up with the
no-frills, everyday existence items that are needed. Unless an individual
knows how to improve, increase and repair their own credit, they will have to
overcome many obstacles.
people don't have the slightest idea of where to begin. But once you read
the following "GUERRILLA TACTICS" you will learn how to quickly improve
and repair your good credit starting Today!
TO PUT YOUR PLAN IN MOTION YOU MUST
KNOW WHO THE CREDIT REPORTING AGENCIES ARE
Bureaus are extremely powerful organization. Going against a credit
reporting agency is almost like a military encounter. Fortunately, once
you're armed with the Guerrilla Tactics provided in this report, you can rise
to the occasion of winning both the battle and the war!
the beginning it may appear as if Credit Bureaus have the advantage. After
all, if you are an adult living in America, the overwhelming odds are that a
credit bureau somewhere knows who you are, where you live, the name of every
employer you ever worked for, how many times you applied for credit, how
many times you were denied or approved, and how many time you were late in
making a payment. Similarly, it's all in a credit report that once accessed
by a subscriber, will tell them whether or not you should receive additional
credit. The ultimate decision is arrived at by looking at the entries in
CREDIT REPORTING AGENCIES
Creditmatch Systems, 12606 Greenville Ave., Dallas, TX 75243
"Credit Bureau Inc."/EQUIFAX, P.O. Box 4091, Atlanta, GA 30302
Systems/Associated Credit Services Inc., 652 E. North Belt, Ste. #400, Houston,
Credit Information, 505 City Parkway West, Orange, CA 92667
TO ACHIEVE YOUR CREDIT GOALS, YOU HAVE TO OBTA
INYOUR CREDIT REPORT AND THEN ATTACH WITH PRECISION!
are approximately 5,000 credit reporting and collection agencies operating in
the United States today. If a credit problem exists it may or may not be
brought to your attention. For example, damaging inquiries and variations
may appear in your file without your knowledge. However, if you apply for
credit and there is a problem whereby you were rejected, you would be
notified by the lender and told that the credit application denial was the
result of a credit bureau report.
you either know or suspect you have a credit problem, there is no way to know
what you are up against unless you get a copy of your credit report. This is
where any major roadblock to getting credit will surface.
before you attempt to obtain or increase credit lines, you should first
obtain all credit reports that are available on you. You can accomplish that
by calling for one or more of the credit bureaus listed and asking for your
credit report. There may be a small fee for this service. However, if your
application for credit is denied by a creditor, then you can receive a credit
report at no charge from the credit reporting agency. We recommend that you
do not wait until a credit card company, bank, or other lender denies your
application for credit, before you obtain the report.
if you don't suspect a problem, you should get a credit report on yourself
just to identify any false of incorrect information that has been entered
into your file. Damaging computer errors, human entry errors, incorrect
social security numbers, addresses, employers, and income errors happen all
the time. At the very least, you should make certain you haven't become the
victim of computer error.
ACCELERATING YOUR CREDIT APPROVAL
BY MATCHING & CONTROLLING CONNECTIONS
and lenders in a certain geographic area usually turn to one credit reporting
agency. There are many, however, that subscribe to more than one. That can
work in your favor because in many cases your complete credit history may
never be accessed by a credit bureau located in another area.
credit file could list multiple damaging information in one credit report,
but never show up in another! By obtaining your credit reports in advance,
you will know which lender to approach for credit. All you have to do is
HOW TO ACTIVATE A BANKER'S DESIRE
TO FORCE MONEY INTO YOUR HANDS!
applying for credit through a bank of other lender that subscribes to a
credit reporting agency outside the area, there's every reason to believe
that some damaging information will not appear in your file.
the only way bankers and lenders can survive is to extend credit to
consumers. By taking steps to sidestep one credit report that has negative
entries, and taking advantage of another that show you as a good credit risk,
creditors will practically force hard cash into your hand. Here's how:
a credit report form one of the credit bureaus to determine if there are
damaging entries that might cause your credit application to be denied.
several banks of other lenders and ask the receptionist, etc., which credit
bureau they use in their application approval process. If the individual
tells you they don't know, ask them to find out.
a bank or lender that subscribes to a credit reporting agency other than the
one typically used in the area.
a credit report from the credit reporting agency that your selected lender
step number 4 until you find a report that is favorable to your and shows the
least negative entries.
only thing left for you to do is apply with that bank, lender, or other
creditor that subscribes to the credit bureau that has a credit report the
most favorable to you.
BULLDOG TACTICS SO POWERFULTHEY'RE DEVILISH!
you receive your credit report, write down every piece of information that is
inaccurate or untrue. Even if an entry is partially true, you may still want
to dispute it. Especially if your credit report will be improved as a
all of the instructions on the back of your credit report very carefully.
Symbols may be used for much of the information entered and you will have to
understand each one. It's easy to become confused but a number you can call
if you have a question will be provided.
are steps you can take to have damaging entries removed from your credit
a list of inaccurate or untrue entries that you find in your credit report.
the credit bureau and tell the appropriate person that you want to dispute an
entry you have noted on your credit report.
allow any credit bureau employee to talk you out of proceeding with your
appeal. To avoid a distracting confrontation, don't even tell them you want
to challenge. They won't initiate any action on your behalf anyway until
they receive your appeal request in writing.
initiate the proper appeal procedure, ask the person you speak with to send
you a "Dispute Form."
the "Dispute Form" and return it to the credit bureau by certified
the credit bureau receives your written dispute request they will then
attempt to verify the dispute you ahve indicated with the bank, lender, or
creditor responsible for having the damaging information listed.
will be notified of their decision withon 30-45 days.
technique will work for you to eliminate negative entries from your credit
report for one of two reasons. 1) Most creditors don't hang on to old
files. They either place them in storage or throw them out. That means they
won't be able to easily verify your dispute, if at all! 2) Many other past
creditors simply don't care to waste their time verifying the accuracy of a
credit report that isn't relevant to making money right here and now!
is the basis of why credit repair clinics were so successful when they came
on the scene. They knew form experience that by created a flood of
challenges directly to a credit bureau, sooner or later credotrs who
continually received inquiries would become frustrated and simply not respond.
They also knew that if the credit bureau didn't receive a response from the
creditor they mailed an inquiry to, on your behalf, within 30 days, the
damaging remark by law had to be removed. Thus, a cleaned-up credit report.
BEWARE OF DOUBLE-TROUBLE
CREDIT REPAIR CLINICS
Counseling" and "Commercial Counseling" services are two
completely different things. Before you sign any papers that end up causing
you even more financial harm, you better know who you are dealing with!
credit counseling services are generally non-profit, commercial counseling
services (clinics) may charge you 10%-15% or more of your total debt.
Meanwhile, the services provided by the non-profit agency is basically the
DOESN'T HAPPEN BY ACCIDENT!
about everyone at one time or another has experienced some kind of problem
with their cash flow. that's when it became difficult to pay the montly
bills and keep up with credit obligations. When that happens, damaging
information may begin to appear in your credit file, and bad times can become
many people it becomes difficult, if not impossible to obtain any further
credit, just when there is a desperate need for it. Unfortunately, banks,
lenders, and othe rcreditors do not extend credit on the basis of need.
Credit can swiftly be taken away form anyone who cannot demonstrate they are
a good credit risk.
people can be successful in overcoming credit rejections that have resulted
due to damaging information showing up on a credit report. The problem that
most people run into, is that they become desperate and will rsort to
anything and anyone that comes along with false promises. Then they find
themselves in deeper trouble because they'vehanded out more moeny they don't
have, to a crook who gives them nothing in return.
yourself a grand-slam, clean-credit slate doesn't happen by accident. There
are a number of techniques and methods that can be utilized to create or
restore a good credit record.
following information is being provided to you on the basis taht is have been
successfully used by others. None of the information is being recommended as
techniques you should use. If you decide to use any of the information
contained in this report, it is recommended that you first consult with an
attorney to obtain legal advice.
TACTICS & TECHNIQUES THAT MAKE
COLLECTION AGENCIES BEG FOR MERCY!
The "Get-Off-My-Back" Wage Earner Plan!
Federal Bankruptcy Act, Chapter XIII - Wage Earner Plan, you can file for
immediate relief form unmerciful creditors and collection agencies. To be
eligible, your monthly bills must exceed your income, and your major income
must be earned from a salary or commission.
can file for the Wage Earner Relief Plan simply by contacting your attorney
or the U.S. District Court nearest you. Ask to speak to the person who
administers the plan.
within three days of filing, a restraining order will be issued to all of
your creditors. Which Will:
creditors, collection agencies, lenders, or anyone else who has been notified
from contacting or harassing you any further.
stop all action against you that had been initiated by creditor. (Note: For
this relief plan to work, it must be accepted by a majority of your
creditors. If the majority agrees to the plan, all others must comply.
stop interest and late charges from accumulating any further.
YOU CAN SEEK INJUNCTIVE RELIEF THAT
FORCES CREDIT BUREAUS TO STOP REPORTING
NEGATIVE CREDIT INFORMATION FROM YOUR FILE!
Relief" is an effective legal maneuver that can permanently remove
damaging information from your credit report. You will, however, probably
require the services of an attorney. This is how it works!
you can clearly demonstrate that information appearing in your credit report
is inaccurate and is damaging your character, credibility, or ability to
obtain credit, you can seek Injunctive Relief through the courts. Once
relief is granted, a Judge can order a Credit Bureau to immediately stop
reporting any damaging information appearing in your credit report as
outlined in the order, until such time as a trial or investigation is
you, or your attorney, succeed in persuading a Judge to issue an order for
Injunctive Relief, you will have from that moment on until the conclusion of
a trial or investigation, to obtain new credit.
THE "HERE'S JOHNNY!" CHANGE OF ADDRESS METHOD
is another way you can eliminate damaging entries from your credit report:
can magically appear in a completely different part of the country from where
you really live, simply by creating a new address for yourself. Just ask a
friend or relative to receive your mail at their address and have everything
forwarded to that address. The further away, the better. If you don't know
anyone that lives well out of the area, rent a mail drop location. All of
your mail will be forwarded by the mail drop to any address you like.
you have established a new address, you can request a credit report from the
bureau that services that particular area. Apply with lenders that use this
bureau. What you will generally find is that the credit bureau you are now
dealing with will have a limited ability to verify negative items appearing
CHECK BANKRUPTCY OFF YOUR CREDIT FILE,
BY CHECKING IT OUT!
following method of manipulation works (according to some who have used it)
when combined with the precious "change of address" method. Just
follow these next five steps!
the technique with an attorney who is willing to help.
bankruptcy is overseen by federal courts, bankruptcy files are kept in the
you apply for credit have your attorney request to have your file
"checked-out" form the federal archives.
your out-of-state address as described in the previous "change of
address" method, follow the normal procedure used for appealing any
damaging information appearing on your credit report.
long as your attorney has your bankruptcy file, a credit reporting agency
will not be able to verify its contents. If they cannot make verifications
within 30 days, they must remove the damaging information form your credit
report. Because credit bureaus can request an extension, your attorney may
have to repeat the process several times. It becomes a question of who will
tire first. According to those-in-the-know, it's usually the credit bureau.
TELL YOUR SIDE OF THE STORY
AND "SMASH" DAMAGING ENTRIES
way to challenge and neutralize entries that appear on your credit report is
by taking advantage of the "100-Word Consumer Statement." This
method allows you to tell everyone who obtains your report your side of the story.
A simple statement may be all it takes to convince a bank, lender or other
creditor that a negative piece of information that is appearing in your file,
was nothing more than an unfortunate incident ath couldn't be prevented at
example, you have been layed-off with hundreds of other workers and suddenly
found yourself out of work. By telling your side of the story, a lender will
understand why you had problems paying off your credit obligations.
certain to be sincere, honest, and not too wordy. Never express anger or
hatred. Allow creditors to give you the benefit-of-a-doubt, and the credit
you deserve. Ask the credit bureau about placing a 100-word consumer
statement into your file.
HOW TO REMOVE A JUDGEMENT
THROUGH A "MOTION TO VACATE"
have reportedly removed damaging entries (such as judgements) from their
credit files by using the following method:
an attorney who is willing to help you with yout goal of having damaging
entries removed form your credit file.
your attorney to file a motion of Service of Process for the purpose of
having a damaging judgement entry removed from your credit file. It may be a
weak argument for sure, but in this motion, your attorney will argue that the
process was served improperly. People have reported that this technique will
ultimately work in your favor.
filing a motion of "Service of Process" you are forcing a creditor
to appear in court with an attorney to prove the initial legal process was
legal maneuver works in your favor because, if the lender responsible for the
judgement (for example) has been paid, why would he even want to go through
the time and expense of showing up?
you show up and the creditor doesn't, you will win your case through
default. Then you will have the legal ammunition necessary to have the
damaging judgement information removed from your credit file.
HOW TO UNCONDITIONALLY FORCE CREDIT BUREAUS
TO QUICKLY GIVE YOU THE ADVANTAGE BY PLACING
POSITIVE INFORMATION INTO YOUR CREDIT REPORT
to Federal Laws enforced by the Federal Trade Commission (FTC), if a credit
report results in a debtor's application for credit being denied, that person
has the right to add information that will show a more positive credit
you have to do is contact the credit bureau of your choice and ask them to
contact a list of banks, lenders, or other creditors whose names you will
provide, for the purpose of having the credit information they provide on you
added to your credit file. there may be a small fee, but the good news is
that you will practically be able to force a credit reporting agency to
improve the substance of your file by putting positive entries on your credit
only businesses you should list are those with whom you have had a flawless
credit relationship with. Contact the poeple on your list and let them know
a credit reporting agency will be calling or send them a questionnaire.
After information has been received and verified, the bureau can add positive
items to your credit report.
THE EQUAL CREDIT OPPORTUNITY ACT & WOMEN
the Equal Credit Opportunity Act, women have the right to build up their own
credit without being discriminated against. Women who do not apply for
credit in thei own names are at a ditinct disadvantage. In the event of a
divorce or death of a mate, there wouldn't be a credit history reflecting any
the Equal Credit Opportunity Act there is not reason for women to lose their
identity when they are married. You can become familiar with all of your rightss
as a woman by writing to the following address and asking for your FREE copy
of "WOMEN & CREDIT HISTORIES."
Women & Credit Histories
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