DIY FREE Credit Repair & Restore: Understanding & Repairing Credit the Safe and Legal Way. Know Your Rights, Delete Negative Items, 12 Step FICO Score (Paperback) (ISBN-13: 9781974404452)

If anyone tells you that there is a way to repair your credit and delete all negative items in just 30 days, don't walk away but run away. Remember if it is too good to be true, it probably is right?

There is a set procedure that all the big three credit reporting agencies follow, and that procedure has a time frame that is longer than 30 days, I can assure you that much. I have worked in the credit industry for the last 28 years and have heard, seen, tried and done it all. But don't get me wrong; there is a rather simple process that anyone can follow to see an amazing result and a huge boost in their credit score. Though it is not a year-long process, it is more than 30 days. Depending on your credit analysis, it may take anywhere from 60-120 days to see some real results. The process I outlined in this book is 100% legal, within the federal fair credit laws, and the results are exactly what you get if you hire an expensive attorney.

In this book, that is exactly what I show you; I help you understand the process, the inner workings of all three agencies and their SOP (standard operating procedure).

I take you step-by-step, guiding you from the recognition of errors and inaccuracies. You'll be surprised at what constitutes an error. I walk you through the dispute process of items on your report, advising you of your rights and responsibilities.

The way this simple process works is first, you analyze your credit report, identifying the errors, inaccuracies, misinformation and all other negative items. Next, you follow the simple dispute process, which can be done online or via a letter sent by U.S. mail. Once you are done with these two steps, follow up with them to make sure those disputes are removed from your report. I attached all the letters that you can just copy and put your name and other information and send them.

Next, I show you how you can boost your credit score right now-without waiting for the process to complete. This can actually take place simultaneously as you wait for those negative items to disappear.

But what good does it do if you repair your credit but don't change your fundamental relationship to money or financial obligations? You will end up right where you started, and in need of another lengthy process of credit repair again.

I am sure we all have a love-hate affair with money and credit. I think it is vital to understand the nuts and bolts of the credit industry, especially the role of the credit bureaus, in analyzing the five basic categories of your credit report. Finally, I will show you how these categories are weighted to create your score so you can achieve the dream score you always wanted.

This is a credit repair book for everyone, whether your score is low because of your poor relationship with money, the indiscretions of your younger years, unexpected medical costs, judgment, lien, foreclosure, bankruptcy, charge-offs, late payments or just not having enough money to live on for years.

Isn't it about time you get the credit you deserve?