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RSSArchive for February, 2010

Can you Bypass the Credit Bureaus During the Credit Repair Process?

Can you Bypass the Credit Bureaus During the Credit Repair Process?

Tweet When a client has a late payment on his credit card, mortgage, or car loan, could you call the original creditor to correct the late payment reporting without going through the credit bureaus? If so, what are the steps to clearing a late payment on a credit report on behalf of your client with […]

Where Do I Begin The Process for my Credit Repair Clients?

Where Do I Begin The Process for my Credit Repair Clients?

Tweet Hi Mike, I am just starting in the business and I have no clue what to do. The issue is I already have a client with really bad credit. What will be the first step? She has collection, chargeoffs and lates. You have a bunch of letters, but I do not know which one […]

Alternatives to Paying for a Delete Letter

Alternatives to Paying for a Delete Letter

Tweet As an alternative to a pay for delete letter, which seems to be getting harder to obtain these days, would it be viable to get them to sign some sort of “non-disclosure” statement/clause or something creatively worded, so that the net result would guarantee them not responding to your dispute with the CRA… netting […]

Secured Card or Line of Credit?

Secured Card or Line of Credit?

Tweet What is the difference in score boost when getting a secured card for a client vs. this $5K-$10K line of credit that you recommend? Have you tested this? I am in the RE field and new tradeline points are always at a PREMIUM in order to get to that magical FHA 620 mid-score nowadays.

Are There Negative Consequences of Settling Collections?

Are There Negative Consequences of Settling Collections?

Tweet When negotiating debts, I always ask them to report the settlement as “paid in full” with a zero balance. Although I am reducing their debts to zero, which will help their utilization ratios, settling an old debt will change the date of last activity to the settlement payment date. What are the negative consequences […]

When's the Next Boot Camp?

When’s the Next Boot Camp?

Tweet When and Where is the Next Boot Camp?

1, 2, or All 3?  Do I Need All 3 Credit Reports?

1, 2, or All 3? Do I Need All 3 Credit Reports?

Tweet Regarding “Legally Getting Credit Reports for your Clients:”  The question I have is they say they provide the Equifax credit report, what about the reports from the other 2 bureaus? When you repair someone’s credit, you do look at the information being reported on all 3 bureaus, right?

Me? On TV? How do I consistently get myself on TV?

Me? On TV? How do I consistently get myself on TV?

Tweet How did you get the local news station to do the interview? Did you have an opportunity to provide the information to the reporter to do the story? How can I get access/authorization to author “The art of the Short Sale” or another book?

ID # for CRAs? Should you always send ID docs when disputing with the credit bureaus for your clients?

ID # for CRAs? Should you always send ID docs when disputing with the credit bureaus for your clients?

Tweet Is it not necessary to have an ID# for each CRA in order to do a dispute? Are those not available only through requesting directly through each one?

Why should we instruct everyone to NEVER Do Credit Disputes Online?

Why should we instruct everyone to NEVER Do Credit Disputes Online?

Tweet Do online disputes work?