A: Yes. You can get started repairing your credit directly after you download the kit. Everything is included including an organizer page to track your progress.

You will receive 6 Separate Files - Click On Each One To View The Table of Contents

• Credit Repair 2020
• Credit Secrets And Loopholes
• Guide To Credit Repair
• Guide To Credit Cards
• Guide To Bankruptcy
• Guide To Raising Money

A: The Kit is available Adobe Acrobat format. Adobe is a FREE reader that works on Windows and Macintosh operating systems.

• Adobe PDF

A: Currently we only offer the kit 2 ways:
     1) As a download. This allows us to charge much less for the kit as there is no printing or
         shipping and handling charges. 

A: You can contact us via email or phone and our technical support team can walk you through any problems you may have. Our support is available Monday thru Friday from 10 AM to 4 PM, Eastern time.

A: Yes. We use the very high encryption on our credit card processing service. When visiting the order page you will notice an s in the http:// of the URL. Example https://. This signifies that you are on a secured page.

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Brainwashed?

Re-Program Yourself  With The Truth 

Credit Myths 

Whether you realize it or not, there is a tremendous battle going on aimed at shaping your opinion. 

On one side you have the credit bureaus with a massive public relations campaign to discourage consumers from attempting to restore their credit by telling them it is impossible. They do this by limiting their knowledge of those methods strictly outlined in the Fair Credit Reporting Act, such as the dispute method and the consumer statement.

On the other side you have consumer rights groups pushing for more reform. And sometimes in the middle, but most often leaning toward the side of the bureaus, you have the Federal Trade Commission. 

If that weren't enough, you still have outside voices (attorneys and credit repair services) whose motives are purely financial. Such motives plus ignorance equals more fog to an already cloudy landscape.

The result is also a lot of conflicting and confusing information.  It is very easy to get bogged down in this information glut.  You don't have to muddle in the mire. Credit Repair 2020  strives to shine a bright beam of truth to dissipate this fog of misinformation--so that you can begin pursuing a clear path, able to discern the good and the bad given to you from both sides.

As evidence of this ongoing credit war, consider these great myths about the credit reporting industry. Each of these statements below is false. Nonetheless, almost every consumer still believes that one or more may be true.

Myth: The information on a credit report cannot be changed.

Truth: Exactly the opposite is true. The Fair Credit Reporting Act requires that items be removed if they are not fully 100% accurate OR can not be verified within 30 days. Also, anything a creditor is responsible for reporting and confirming, a creditor can change.

Myth: Some types of credit information (such as bankruptcies, judgments and foreclosures) are impossible to remove.

Truth: Although it is true that some types of information can be more difficult than others to remove, each of these negative entries have been removed thousands of times, using a multitude of creative methods.

Myth: Credit repair is too complicated to do myself. I would have to hire an attorney.

Truth: In some cases involving a stubborn situation, an attorney can be of great assistance. An attorney can also help with clarifying the finer points of your state's laws. However, you can accomplish most if not all of the legal and negotiation-based methods in this report yourself by becoming familiar with your federally given rights and how to enforce them, as well as other creative methods employed by consumers.

The TRUTH is the Federal Trade Commission and the Credit Bureaus spend a LOT of money trying to convince YOU otherwise. 

Why? Lobbyists and money of course! Credit Repair makes more work for the credit bureaus, thus increasing their labor costs. Credit Bureaus save millions of dollars a year by convincing consumers that they are virtually powerless. You just learned that YOU definitely are NOT powerless. 

Congress left the door open for you to take control of your own credit history, and in at least one case drafted a law specifically allowing for it. 

Learn all of this and more with Credit Repair 2020 

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Excerpts From

Credit Repair 2020

Removing inquiries is quite time consuming and is not as nearly as important as removing your late payments, charge off’s, and other negative credit accounts.  If you have good credit, it is unlikely that inquiries will cause you to be denied credit.  Everyone has some credit inquiries so don’t be too concerned unless you have many of them (over twenty on each report) or if your inquiries are recent (in the last six months).  However, if your credit is mostly good and you want to raise your credit scores a bit, removing some inquiries can help.

When you apply for credit, the lender will electronically pull up a copy of your credit report to determine whether or not they want to extend credit to you. Inquiries are the notations that appear at the end of your credit reports as a result of a lender checking your credit report.  These notations will indicate the date that the creditor requested your credit report as well as the name of the creditor. 

There are two types of inquiries: those that represent the times that you have applied for credit and those that show the companies to which the credit bureaus have sold your information. If the bureaus allow a company to review your demographic and other non-credit related information, they will indicate this in a separate section of inquiries as a courtesy to you.  These types of inquiries do not adversely affect you since they do not appear on the credit report that a lender sees.  The only inquiries that you need to worry about are the ones, which were created as a result of your applying for credit.  These two types of inquiries are usually listed separately on your credit reports so that you can more easily tell the difference between them.

Unfortunately, the credit bureaus typically refuse to investigate disputed inquiries as they feel that it is not their duty to do so under the F.C.R.A.  At the time that this document was written, the only effective method that the author has found to remove inquiries is to contact the companies who reviewed your credit report.  This can be a rather involved process, which requires several steps:
 

Step 1 - Identify the Creditors
Before you can dispute your inquiries you need to know who to contact. Depending on the type of credit report that you are looking at this may be very easy or very difficult. Equifax, for example, may only list the name of the creditor (or some obscure acronym which is not helpful) and the date of the inquiry whereas Experian typically lists all of this as well as the address of the creditor. Purchasing a 3-in-1 report from an online source is probably your best bet since they tend to give you the most information regarding the creditors in the inquiry section.
 

In order to proceed, you will need to know the name and phone number of each of the creditors whose inquiry you want removed.  If your credit report does not show a phone number, you can use the address to obtain the phone number from directory assistance.  If your credit report does not show an address, you will need to order a more detailed report (see the above link) or look on one of your other reports (such as Experian which usually has addresses) to see if it contains the same inquiry.

On a side note, since the premise of your dispute letter is that you do not recall giving authorization to the creditor to check your credit, it does not make much sense to dispute inquiries with creditors with whom you have an active account.  After all, how could you not remember applying for credit if you have an account?  Focus your efforts on the inquiries, which represent companies that have not given you an account.

Step 2 – Call Each Creditor

Now that you have a phone number for each inquiry, you need to call each creditor in preparation for sending them a dispute letter.  When you call, try to locate the appropriate department that has the ability to remove information from your credit report.  Some times a creditor will try to convince you that you need to take this issue up with the credit bureaus.  They are either lying or are ignorant so do not give up.  Once you have located this department, inform them that you need to send them a letter and get their address or fax number.

Step 3 – Send Dispute Letter

Now you are ready to compose your dispute letter.  Use the letter template in the credit direct letter appendices section.

Order the Kit today and use our custom dispute letters that get immediate results. 

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Chapter Overview

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THE SOLUTION TO BAD CREDIT

THE LOOPHOLE

Changing your Name or Personal Information

Choosing A Social Security Number

Your New Drivers License or State ID

Creating the New Credit File

The Best Way to Create Your New Credit File

Employment References

Bank Loan Procedure

CREDIT SCORING SYSTEM

What is Credit Scoring?

Why is Credit Scoring Used?

How is a Credit Scoring System Developed?

How Valid is the Credit Scoring System?

What Happens If You Are Denied Credit?

Where Can You Go For More Information?

STRUCTURE OF SOCIAL SECURITY NUMBERS

THE CREDIT SYSTEM

Guilty Until Proven Innocent

Your Creditors

A Few Comments On Credit Repair Companies

Ten Greatest Myths About Your Credit

The History Of Consumer Credit

The Credit Bureau System

How Credit Bureaus Get Their Information

Thousands of Credit Bureaus

Credit Ratings TO Accept

Credit Ratings NOT TO Accept

Your Credit Report And Rights As A Consumer

The Federal Trade Commission

Analyzing And Disputing - The Repair Process

Steps to Dispute

Areas of Dispute

Creditor Disputes

Inquiries - What To Do?

Do's And Don'ts

Five Steps To Obtaining A1 Credit

Step One - Obtaining Bank Loans

Step Two - Secured Credit Cards

Step Three - Un-Secured Credit Cards

Step Four - Department Store Credit Cards

Step Five - Nurturing Your Credit

ESTABLISH AAA CREDIT IN 30 DAYS 

THE LURE OF BANKRUPTCY 

BOOKKEEPING MADE SIMPLE 

STOP COLLECTION AGENCIES IN THEIR TRACKS 

YOUR MONEY GUIDE TO FREE GOVERNMENT GRANTS 

How To Find Funding Sources Worth Billions

Free State Grant Money

Small Business Development Centers

Getting Free Money From Venture Capital Sources

Small Business Investment Companies

Writing A Successful Grant Application

Establish Your Own Professional Network

IMPROVE YOUR CREDIT BY PAYING BILLS LATER 

SIGNATURE LOANS 

WIPE OUT DEBTS WITHOUT BANKRUPTCY 

WOMEN AND CREDIT

THE SECRETS OF CREDIT REPAIR 

A Consumer Guide to Real Credit Repair

The Secrets Of The Credit Bureaus

How Long will Negative Information Stay on my Credit Report? 

How Does Bad Credit Affect a Mortgage? 

How Much Bad Credit Does It Take for Me to be Denied Credit? 

Who Looks at My Credit Report? 

10 Favorite Myths about Bad Credit

Creating Good Credit

Use $500.00 to $1000.00 For A Few Hours to Get Good Credit Rating

Seek Easy Credit 

OBTAINING A MORTGAGE

ERASING CREDIT INQUIRIES

UNDERSTANDING THE TRUE RISKS AND REALITIES OF OVERDUE DEBTS 

Which Debts Can Be Settled? 

Using Settlements to Restore Your Credit

RESTORING BAD CREDIT

Organizing Yourself

Analyzing your credit report

Drafting your Disputes

The Ten Commandments of Disputing Your Credit

Guidelines For Reacting To The Eight Types of Credit Bureau Responses

Seeing Results Of The Credit Bureau

Fourth Quarter Strategies

Threats

Settling your Debts

Submitting a 100 Word Statement of Explanation

GUERRILLA TACTICS THAT WILL GIVE YOU A GOOD CREDIT RATING 

How To Activate A Banker's Desire To Force Money Into Your Hands!

Bulldog Tactics So Powerful They're Devilish!

Beware Of Double-Trouble Credit Repair Clinics

"Grand-Slam Success" Doesn't Happen By Accident!

Tactics & Techniques That Make Collection Agencies Beg For Mercy!

The "Here's Johnny!" Change Of Address Method

Check Bankruptcy Off Your Credit File, By Checking It Out!

How To Remove A Judgment Through A "Motion To Vacate"

Force Credit Bureaus To Quickly Place Positive Information In Your Credit Report

The Equal Credit Opportunity Act & Women

IS IT ETHICAL TO TRY AND REMOVE LEGITIMATE BAD CREDIT?

LEGAL WAYS TO GET BILL COLLECTORS OFF YOUR BACK 

CHOOSING A BANK THAT'S RIGHT FOR YOU 

CONSUMER RIGHTS

BANKRUPTCY

The Bankruptcy Decision

Negotiate with your creditors

Contact Consumer Credit Counseling

Consider Chapter 13 bankruptcy

Non-Dischargable Debts - Bills You Have To Pay In Spite Of Bankruptcy

Taking Action

The Filing Process

Picking Up The Pieces

DIVORCE AND CREDIT 

Accounts

Divorce

Bankruptcy after Divorce

FEDERAL/STATE CREDIT LAWS 

Federal Laws Concerning Credit

Bill of Rights

CREDIT DICTIONARY

SKIPTRACING - (TRACKING DEBTORS)

Unintentional skips

Skips resulting from marital difficulties

Intentional skips

Skips with criminal intent

How They Found You?

Skiptracing By Mail

Skiptracing By Telephone

Additional Sources Of Information

Who Do You Contact?

TELE-TERRORISTS

Greed Drives The Collector

WOMEN AND CREDIT

Women Who Have Problems with Credit

Women's Account User Status Designations

Property States

Separate States

Women's Individual Credit

Women's Credit and Money Management

A Women's Own Credit History #1

A Women's Own Credit History #2

Widows/Widowers

CONSUMER HANDBOOK TO CREDIT PROTECTION  LAWS 

The Cost Of Credit

A Comparison

Cost of Open-end Credit

Leasing Costs and Terms

Open-end Leases and Balloon Payments

Costs of Settlement on a House

Applying For Credit

Information the Creditor Can't Use

Special Rules

Discrimination Against Women

If You're Turned Down

Credit Histories And Records

Credit Histories for Women

Keeping Up Credit Records

Other Aspects Of Using Credit

Billing Errors

Defective Goods or Services

Prompt Credit for Payments and Refunds for Credit Balances

Canceling a Mortgage

Lost or Stolen Credit Cards

Unsolicited Cards

Electronic Fund Transfers

COMPLAINING ABOUT CREDIT

Complaining to Federal Enforcement Agencies

Penalties Under the Laws

Glossary

FAIR DEBT COLLECTION 

HOW TO DISPUTE CREDIT REPORT ERRORS 

MANAGING YOUR DEBTS; HOW TO REGAIN FINANCIAL HEALTH 

Are You In Financial Trouble?

What You Can Do For Yourself

What Others Can Do For You

Possible Pitfalls

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WHY YOUR CREDIT HISTORY IS IMPORTANT 

HOW TO BUILD A CREDIT HISTORY AND ESTABLISH CREDIT 

ADDING CREDIT ACCOUNTS TO YOUR FILE

LIMIT THE NUMBER OF CREDIT CARDS YOU CARRY

HOW TO OBTAIN YOUR CREDIT REPORT

HOW THE CREDIT REPORTING SYSTEM WORKS

HOW TO DISPUTE CREDIT REPORT ERRORS

HOW TO CORRECT ERRORS

HOW TO REGISTER A DISPUTE

FACTS FOR SOLVING CREDIT PROBLEMS

WHAT CAN BE DONE TO IMPROVE A BAD CREDIT REPORT 

HOW TO DEAL WITH YOUR DEBTS 

HOW TO EVALUATE CREDIT REPAIR COMPANIES

WHERE TO FIND MORE INFORMATION

WHAT'S THE FIRST STEP IN REBUILDING CREDIT? 

Okay, I've made my budget. What do I do next?

How can I get a copy of my credit report?

What should I do if I find mistakes in my report?

What else can I do to rebuild my credit?

I've been told that I need to use credit to rebuild my credit. Is this true?

How long does it take to rebuild credit?

OBTAINING A MORTGAGE IF YOU'VE HAD POOR CREDIT

CREDIT BUREAU MYTHS

IMPROVING YOUR CREDIT BY PAYING BILLS LATER!

NEGOTIATING WITH CREDITORS

WHEN DEEPLY IN DEBT... DO NOTHING?

A GUIDE TO BUSINESS CREDIT FOR WOMEN, MINORITIES, AND SMALL BUSINESSES 

Types of Loans

The Credit Application Process

Sources of Technical Assistance

If Your Application Is Not Approved

Equal Credit Opportunity Act

If You Need Help

Federal Enforcement Agencies

Alternative Sources of Capital

AUTOMATIC DEBIT TROUBLE SPOTS

Automatic Debit Scams

How To Solve Problems

REAL ESTATE

HOW TO PURCHASE YOUR "DREAM HOME" WITH NO CREDIT CHECK

TWO POWERFUL STRATEGIES THAT CAN GET YOUR APPLICATION APPROVED

CREATE A DEAL THAT BENEFITS BOTH YOU AND THE SELLER

FIND OUT WHAT THE SELLER WANTS

BUYING WITHOUT CASH MEANS BECOMING A SUPER NEGOTIATOR

BUYING OPTIONS AVAILABLE TO REAL ESTATE BUYERS & SELLERS

NEGOTIATE "LOW" & "LONG" TERMS

INCREDIBLE BARGAINS ARE EVERYWHERE!

HOW YOU CAN PROFIT BY OBTAINING OPTIONS

USE CONTINGENCY CLAUSES WHEREVER NECESSARY

DELAYED DOWN PAYMENT CONSIDERATIONS

DON'T OVERLOOK SELLERS AS A SOURCE OF INVESTMENT CAPITAL

USE FIRST AND SECOND NOTES INSTEAD OF CASH

HOW TO USE THE LAW TO INSTANTLY STOP CREDITOR HARASSMENT

Pinning "Bully" Bill Collectors To The Mat

The Fair Debt Collection Practices Act

Layperson's Summary: False Or Misleading Representation 

Layperson's Summary: Unfair Practices

How To Instantly Stop Harassing Calls and Letters from Third Party Bill Collectors

Invoking the Law

TURNING THE TABLES ON A BILL COLLECTOR 

FEDERAL TRADE COMMISSION, FAIR DEBT COLLECTION 

Facts for Consumers from the Federal Trade Commission, Fair Debt Collection

What debts are covered?

Who is a debt collector?

How may a debt collector contact you?

Can you stop a debt collector from contacting you?

May a debt collector contact any person other than you concerning your debt?

What is the debt collector required to tell you about the debt?

What control do you have over payment of debts?

What can you do if you believe a debt collector violated the law?

Where can you report a debt collector for an alleged violation of the law?

IT'S EASY TO RUN BUT HARD TO HIDE

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PRE-APPROVED CREDIT CARDS

CHOOSING AND USING CREDIT CARDS 

Choosing a Credit Card

Credit Card Terms

Annual Percentage Rate

Free Period

Annual Fees

Transaction Fees and Other Charges

Balance Computation Method for the Finance Charge

Average Daily Balance (including or excluding new purchases)

Adjusted Balance

Previous Balance

Costs and Features

Using a Credit Card

Credit Card Protections

Prompt Credit for Payment

Refunds of Credit Balances

Errors on Your Bill

Unauthorized charges

Disputes about Merchandise or Services

Some Suggestions

Where To Go For Help

LOST OR STOLEN CREDIT & ATM CARDS

Limiting Your Financial Loss

Credit Card Loss

ATM Card Loss

Protecting Your Cards

For credit cards

For ATM cards

Buying a Card Registration Service 

For More Information

USING PLASTIC 

CREDIT CARD DEBT IS CONSUMING MY LIFE

How can I cut credit card costs?

HOW TO GET A VISA/MASTERCARD WITH NO CREDIT CHECK

Shaping Your Application to Fit The Right Profile 

How Creditors Rate An Application 

HOW TO GET A VISA OR MASTERCARD

SECURED CREDIT CARDS

THE CARD YOU PICK CAN SAVE YOU MONEY 

Definition Of Terms

Calculation of Finance Charge

Combinations to Consider

Credit Card Shopper's Checklist

Survey Results

CREDIT CARD INSIGHTS 

Visa and/or Mastercard

Obtaining Additional Credit

SIX CREDIT CARD SECRETS BANKS DON'T WANT YOU TO KNOW 

THE FREE CREDIT CARD TRAP 

WINNING THE CREDIT CARD GAME 

READY, SET... CREDIT 

Qualifying for a Credit Card

Establishing A Credit History

If Your Application is Denied

Getting the Best Deal

Credi-Quette

You're Responsible

Federal Protections

Kinds of Credit Accounts

BUYING A HOME

FHA ASSUMABLE HOME LOANS

UNDERSTANDING WHAT EQUITY MEANS AS A BUYING FACTOR 

TENS OF THOUSANDS OF HOMES ARE AVAILABLE - INCLUDING YOURS!

DEAL WITH MOTIVATED SELLERS

MORE HOT TIPS ON HOW YOU CAN STACK THE ODDS IN YOUR FAVOR!

ALWAYS BE PERSISTENT AND NEVER GIVE UP!

CONSIDER ASKING SOMEONE YOU KNOW TO CO-SIGN

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ABOUT BANKRUPTCY

What Is It?

Chapter 7

When Chapter 7 Bankruptcy May Not Help You

Chapter 11

Chapter 13

Pay Over Time With Chapter 13 Bankruptcy

Businesses Can't File for Chapter 13 Bankruptcy

Will It Ever End?

Making a Fresh Start

A Final Word

WILL BANKRUPTCY DISCHARGE ENOUGH OF YOUR DEBTS?

How Much Property Will You Have to Give Up?

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MAKE BIG MONEY WITH YOUR OWN BUSINESS FINANCING SERVICE 

Your Potential Market

The Services You'll Provide

Setting Up Your Business

50 WAYS TO CUT COSTS AND INCREASE PROFITS 

SURE-FIRE METHODS OF RAISING INSTANT CASH 

HOW TO ACHIEVE WEALTH THE EASY WAY 

NINE WAYS TO LOWER YOUR AUTO INSURANCE COSTS 

HOW TO OBTAIN AN $800 LOAN BY MAIL - INTEREST FREE!

IF SOMEONE OWES YOU MONEY

HOW TO GET FREE RENT

HOW PAWN SHOPS WORK

SECRETS OF THE RICHEST PEOPLE 

What Are Riches

Who Is Successful?

Forming Conviction

On Your Own

Seize The Day

How They Think

Establish A Goal

Keys To Success

Work Towards Your Goal

Ask Yourself

Taking Responsibility

Accomplishment

The Hidden Asset

Take A Look

HOW TO ACCOMPLISH ANYTHING YOU WANT IN LIFE 

What Do You Want?

Catch Up With Yourself

Make Plans

Before The Race - Relax

Do You Have The Potential?

The Power Of Self-Image

Success In Business

Tips On Attaining Wealth

Learn Your Trade

Keep The End In Mind

Stop Wasting Time

Don't Procrastinate.

Look Within

Use Affirmations

Creative Visualization

Become Your Full Potential

68 WAYS TO SAVE MONEY 

Airline Fares

Car Rental

New Cars

Used Cars

Auto Leasing

Gasoline

Car Repairs

Auto Insurance

Homeowner Insurance

Life Insurance

Health Insurance

Checking Account

Savings and Investment Products

Credit Cards

Auto Loans

First Mortgage Loans

Mortgage Refinancing

Home Equity Loans

Home Purchase

Renting a Place to Live

Home Improvement

Major Appliances

Electricity

Home Heating

Local Telephone Service

Long Distance Telephone Service

Food Purchased at Markets

Prescription Drugs

Funeral Arrangements

HOW TO GET LESS JUNK MAIL

Companies that sell lists

How to track the spread of your name

Asking to be removed from a list

Mail-Order Catalogues

Memberships In Organizations

Phone Book Listing

Warranties/Product Registration Cards

800/900 Number Services

Contests (You May Already Be A Winner!)

Credit Cards

Birth Certificates, Marriage Licenses, Property Records

Credit Bureaus

Change of Address notices

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