Disclosure: Content is for entertainment purposes only. Seek the help of professional tax advisors, attorneys or others. This website contains affiliate links.
While every precaution has been taken in the preparation of this course and accompanying materials, the author and/or publisher assumes no responsibility for errors or omissions, or for damages resulting from the use of the information contained herein. The author of this work is not a lawyer, and this course and accompanying materials do not provide financial or legal advice. All information provided throughout this course is for entertainment purposes only. If you need professional assistance, please contact a qualified attorney.
Credit repair is such a broad topic there is no way to address every single issue that may come up in one course. Because of this, you will find many additional links to information and resources that are available on other websites throughout the course materials. These sources are vetted at the time of course publication but links can change and like all things online, due diligence is advised. At no time do the author or publisher of this course receive any financial incentive from links clicked within this course unless otherwise clearly and conspicuously stated. Any trademarks in this course are copyrighted by their respective owners.
Thank you very much for purchasing this course. You have shown great initiative in taking charge of your credit profile and situation, and you will have the opportunity to save an immeasurable amount of money, stress and time for yourself and your family, or your clients, over the years that you possess this knowledge.
“Tell me and I forget. Teach me and I remember. Involve me and I learn.”
~ Benjamin Franklin
Credit Repair Training Course
An introductory course for learning the art and business of credit repair:Credit Repair Training for Personal or Business Use
Hello, and thank you for purchasing this short course from Liberty Credit Consulting, we are delighted to have you as our student. My name is Kent Greenfields and I am a financial writer that has extensively studied the business of credit repair for over a decade now.
Credit repair is a very hot topic in today’s world, both for individual consumers and entrepreneurs.
What we’re going to do in this DIY credit repair training is bridge the gap between the consumer need and the entrepreneurial opportunity that credit repair presents by providing a step-by-step path that consumers can use to fix their credit, along with some insight into how current credit repair companies are using this skill to make money.
As a company, our goal is to provide highly actionable information to our students that allows them to take advantage of the tremendous opportunity that credit repair provides and turn into results immediately.
Understanding credit repair and writing effective dispute letters that work is a skill that can provide a tremendous financial benefit. If you multiply this benefit out to include all of your friends, family and clients, you can see that positively influencing people’s financial well-being could add up to to millions of dollars of savings for those that you reach.
Imagine if six months from now you woke up and had helped 100 people fix errors on their credit reports so they could get a mortgage. According to “The Mortgage Reports“, the average additional cost that someone with bad credit will pay to obtain a mortgage is almost $70,000. If a credit repair business owner had helped these people, then he or she would have freed up an additional 7 million dollars for those consumers ($70,000 x 100 = $7,000,000).
And that’s just the savings these folks would have realized from the mortgage. A significantly more positive benefit from credit repair would be realized if additional savings from car insurance, car loans, credit cards, and a myriad of other credit based products are factored in. With the demand for this service so high and the potential to influence so grand, it is almost harder to find reasons not to start a credit repair business than it is to start one.
This course has been designed as a consumer resource to assist with the filing of credit disputes and other related activities, and provides insight into the practical application of consumer credit repair and how that skill translates into a tremendous business opportunity for those looking to start a business or add an additional revenue stream to their existing one.
The training is designed to help consumers learn how to write effective credit dispute letters that can form the initial basis to their own or their clients’ credit repair processes.
Credit dispute letters, when written effectively and used as part of a winning strategy, can often times remove negative items from credit reports and cause a resulting increase in credit score.
If we want to own a home, lease a car or have credit cards, we need to have good credit.
In fact, it is a fact of life that in the United States, if you don’t have great credit, you are at a decided financial disadvantage in life to those that do, and the income that is getting put into bad credit expense instead of other important areas in life adds up very quickly.
Because so many people can benefit from this knowledge, we created this course to teach the basics of credit repair. Aside from downloading files and editing documents, it has been designed to be completed entirely from a mobile device. A desktop computer is still recommended for downloading and editing dispute letter templates.
This course will provide the following information:
1. How to write initial dispute letters to the credit bureaus (dispute letter templates included)
2. How to write method of verification dispute letters to the credit bureaus (dispute letter templates included)
3. How to write debt collector validation letters (dispute letter templates included)
4. How to write 609 credit repair letters (dispute letter templates included)
5. How to track your dispute process, and the importance of tracking your disputes
6. How to file a complaint with the appropriate entity to force compliance
7. The fastest and best ways to add positive credit to your credit reports
8. Links to full texts of major credit repair laws
9. A dispute letter index with 90+ professionally written, attorney reviewed dispute letters
10. Credit Repair glossary of certain terms
11. The course includes a downloadable dispute tracker that can be configured for business use
12. Operational information on how credit repair companies are making money
13. Tools and tactics that can be used to start or expand a credit repair operation
14. Ways that credit repair companies can establish business relationships to create win-win situations and get a ton of clients
Full access to our dispute letter library containing 90+ professionally written, attorney reviewed dispute letters you can customize and use immediately is included in your course enrollment.
Credit repair is the process of writing effective dispute letters, whether by individual consumers or paid preparers. This course will help consumers learn more about and complete that process, as well as provide information for entrepreneurs to make an informed decision about whether or not the business of credit repair is something that warrants continued development of their knowledge-base.
Whether starting up a new credit repair firm or adding an additional revenue stream to an existing business, this course tries to provide effective, actionable information that consumers can benefit from immediately.
Also, the psychology of debt negotiating and some easy steps to greatly increase your negotiating position are included. These can allow consumers to create instant, permanent change by settling debts for far less money than is sometimes thought possible.
This course details a successful dispute process, from start to finish, that consumers can use over and over for themselves or their clients.
Thanks again for taking part in this Credit Repair Training Course.
Is This The Course You’re Looking For?
So what exactly is credit repair anyway, and who is this course designed for?
You can feel free to skip this brief introduction to credit repair if you already know this, but for most of the people who are going to be enrolling in this course a little bit of background information is going to go a long way towards facilitating the learning process.
This program was created to meet the demand of consumers who want to improve their situation by improving their credit through a process known as credit repair.
According to Investopedia.com, “credit repair is the process of fixing poor credit standing that may have deteriorated for a variety of different reasons. Repairing credit standing may be as simple as disputing mistakes with the credit agencies. Identity theft, and the damage incurred, may require extensive credit repair work. Another form of credit repair is to deal with fundamental financial issues, such as budgeting, and begin to address legitimate concerns on the part of lenders.”
To put it another way, credit repair is the process of going through a formal, established, regulated dispute process with the goal of removing negative information from your own or your clients’ credit reports. You can think of credit repair as a legal game of cat and mouse. Essentially what we do is request information from the pertinent parties, and then exercise our rights based on the information that is provided to us.
By following the formal, established process referenced above, we find that many times we are able to prove that negative information on credit reports is being reported in a way which violates consumer protection laws, and therefore must be removed.
The credit repair process is a system of creating, sending, and tracking dispute letters and the results of those letters. Once it is learned, it can be applied again and again for any credit related issue. Usually, letters are created and mailed to data furnishers and reporters, and by teaching consumers how to write dispute letters, who to send them to (and in what order), how to follow up when responses are received, and how to follow a successful dispute process to completion this course can dramatically change the lives of consumers with credit issues.
Course content has been broken down into easy to understand modules, and each of the modules that involve actual writing of dispute letters contains specially prepared credit dispute letter templates and step-by-step instructions.
This course is going to cover how to write effective dispute letters to credit bureaus that generate results.
Credit Repair As A Business
The other aspect of credit repair that student’s should be aware of as they learn how to fix their own credit is the business opportunity that performing credit repair for others represents. Anyone who is serious about going into business for themselves but not sure about which opportunity is best should consider credit repair.
Credit repair is a federally regulated industry, with the Credit Repair Organisations Act, Fair Credit Reporting Act and other federal and state laws providing guidance.
According to statistics, over 100,000 credit repair businesses are in operation as of 2017, and that number is projected to continue to grow. Why is that? Because the low barriers to entry and high earning potential that credit repair has the possibility to provide is a serious motivator and game changer for those who want to start a business or build an additional revenue stream.
Many entrepreneurs face similar problems when starting out in business, such as a lack of money and a lack of time. Credit repair is one of the only businesses that can realistically be launched and operated with a phone, a laptop, and a realistic expectation of high client demand. Free services such as Google Docs and others allow anyone to organize their data and communicate with their clients on the same level as those who invest thousands of dollars in infrastructure and startup costs.
The bottom line is this.
Business owners who are committed to being professional and providing superior service to their clients will find that the demand for this service is huge, the barriers to entry are low, and the potential for seamlessly scaling their business quickly is tremendous with credit repair business software.
As a business opportunity, credit repair is one of the highest rated models. There is no selling to family, no commercial lease, no employees are needed to get started, there is minimal licensing and regulation requirements, the demand for the service is huge, and it is a recurring revenue income model.
Consumers who are searching for a viable home-based business opportunity are encouraged to learn more about credit repair to determine if the tremendous opportunity it provides is enticing enough to warrant further commitment. Whether starting a new credit repair business or adding an additional revenue stream onto an existing one, the exciting opportunity that starting a credit repair business provides is changing the lives of entrepreneurs across the country.
The Process of Credit Repair
Certain business segments are already setup to begin offering credit repair services to their clients. Professionals who are in sales, real estate, automotive leasing, or taxes have a built in client base that statistics indicate desperately need a credit repair service.
Salespeople whose product requires a credit check of prospective buyers might be able to go back and close old prospects who couldn’t initially purchase due to credit history.
Professionals who work in real estate might be able to save 30% of their clients that are turned away for bad credit. Not new prospects, but buyers who are already otherwise qualified could be added back into the pipeline for very little additional cost in time or money. If a credit repair process is executed fast enough, real estate agents could potentially help their clients into the original property that they were trying to purchase.
Credit repair allows entrepreneurs to help a tremendous amount of people get what they want and need out of life, while simultaneously setting the bar higher on their own personal income and expectations.
Starting a business is the single most effective method that American consumers can use to begin generating wealth, as opposed to simply paying their bills, and with a credit repair business, almost anyone can get started.
Auto sales and leasing is another area where learning credit repair can reintroduce old prospects who were rejected for credit into the pipeline at almost no cost other than a little paperwork. What would 30% of those zeros turned into completed leases look like at the end of the year? What about 12 months from now when you’re the go-to guy or gal because you dedicated yourself to upping your game and helping as many people out as you possibly could?
One tactic that successful credit repair operators are using to generate business is social media. As credit repair business operators, they use social media and other free tools to get in touch with all of the real estate and auto sales and leasing businesses in their area to let them know how they can help. If 5 real estate agents and 5 auto dealers were sending client referrals on a regular basis the credit repair operator would be able to deliver great service and results to their business clients by allowing them to close more sales and generate more revenue, and to their individual clients by providing a valuable service that helps them get into their home or vehicle. Credit repair operators can generate both business and individual consumer referrals to rapidly grow their business by setting client expectations and providing excellent communication and service.
The income potential from credit repair is huge, and with the possibilities for business development with other local businesses, scaling of a credit repair company to be able to provide for a larger volume of clients rapidly becomes a requirement for some credit repair entrepreneurs.
There are many ways to fit the knowledge of credit repair into consumer’s personal and business lives, and all of them are tremendously valuable.
Entrepreneurs who start credit repair businesses know that what they will be doing is providing a professional dispute management solution for their clients, using knowledge obtained through experience or study to streamline the process and provide clients the greatest chance for outstanding results quickly. Starting a credit repair business is one of the lowest cost and easiest to operate business models available, and allows entrepreneurs the flexibility of starting out at home and then seamlessly expanding when ready.
The prospect of starting a credit repair business has gotten many entrepreneurial minded consumers excited because the market for credit repair services is so huge.
According to CNBC, “The real problem with credit reports is the astounding number of errors”.
The video on the next page, a news piece by 60 minutes, further highlights the extent of this issue and the huge opportunity it is creating for credit repair entrepreneurs. According to CBS, there are at least 40 million errors (40,000,000) on credit reports in this country. Since that video was produced several years ago, it’s likely that that number is even larger now.
By fixing these errors in a compliant, ethical and effective manner for a fair price, credit repair companies can offer a tremendous benefit to their clients worth far more than the fees they charge for their services.
CBS NEWS: 40 Million Impossible Mistakes: https://www.youtube.com/embed/HdMR2wYNmt4
Credit Repair Is Becoming Very Popular
As evidenced by that story, the cat’s been out of the bag, so to speak, for a while now regarding the need for credit repair services. Millions of people have errors on their credit reports and don’t know how to fix them. Now is the time for those who want to start a business to learn how to help consumers through the creation of their own credit repair business.
Why Do Consumers Want To Learn How To Write Effective Dispute Letters?
Why is it that consumers choose to learn about the disputing process instead of simply paying someone else to do it?
The truth is, they don’t.
Many times consumers purchase a credit repair service because their time is simply more valuable to them than the cost of the credit repair service.
This course was designed so that any consumer who wants to learn how to process their own disputes as effectively as possible can do so, for themselves or their clients.
Learners have many different reasons for needing better credit. Starting a business, buying a home, applying for a new job or just wanting to learn about credit. Whatever motivates our students, having great credit provides such a tremendous boost in quality of life that improvements in many different areas, including stress levels, can be achieved once they know exactly what is on their credit reports, how and why it got there, and what they can do about it.
One of the statements that is commonly made regarding credit repair companies is that they can only do for their clients that which their clients can do for themselves.
This statement is somewhat true, but is also misleading.
The thing that credit repair companies bring to the table is experience and knowledge, which are very valuable when doing things like credit repair. So even though they technically do what others could do for themselves, they do it with more experience and knowledge, in a way that they believe is going to produce the best results.
The goal of this course is to provide consumers with that kind of background information, so that students can be confident and successful when filling out and filing disputes, whether for themselves for their clients.
Time Is Valuable
Credit repair businesses really only need to sell one thing to their clients, and that is their own time back to them.
If the average credit repair client wanted to sign up for this course and learn credit repair, they could. Some do, but the vast majority would simply prefer to pay an honest and ethical company a small monthly fee to take care of everything for them because they have more interesting and engaging things to do with their time than learn the process of credit repair.
Every consumer has the technical ability to undertake almost any task they want to, however there are many services that are purchased in very large, regular quantities for a variety of reasons. Consumers can change their own oil, mow their lawns, do their own taxes and perform minor surgery on themselves if they choose.
For the most part, when consumers hire others to do these things it’s because they just simply don’t want to do them themselves. Not that they can’t do them. Many consumers could take the time to study and practice and probably become very good if so desired, however most just don’t want to invest the time, and that is another reason illustrating why the service of credit repair is so valuable and sell-able.
Credit repair operators don’t need to be lawyers, nor do they need to try and sell their clients on the technical terminology of credit repair. All that is needed is to remind prospective clients that time is the most valuable commodity in this world.
A credit repair company’s client’s time is worth a whole lot more than the small monthly amount that is charged to ethically and efficiently take care of everything for them, guaranteed.
All consumers have the right to dispute every single item on their credit reports. In the United States, there are three main companies that catalog and report information about consumers. They are known as the credit bureaus and are Experian, Equifax and TransUnion.
When consumers apply for a loan, a job, or car insurance, their credit gets “pulled”. That means that the company who will decide whether to give them that loan or job is going to download all or some of their data from one or more of these companies.
Each one of these credit reports should theoretically contain the same data about individual consumers, such as their loans, mortgages, and credit card balances. In reality however they are almost always different, sometimes in many subtle but important ways.
Modern Credit Repair Is About Legitimacy
These differences highlight one of the most important characteristics of credit repair, and that is that the legitimacy of the information on a consumer’s credit reports itself is what is in question. If all of the data is accurate, then how is it possible to have different information on each report, which is also different from the consumer’s own records?
The reason is simple, and as the news stories referenced here have illustrated, there are millions and millions of errors on consumer’s credit reports. This incorrectly reported information is collectively costing these individuals trillions of dollars each year in additional and unnecessary expense (which is channeled into the bureaus and their partners’ accounts through direct and indirect methods), and for a large percentage of these affected consumers, they are not even aware that costly mistakes are unnecessarily diluting their family’s wealth.
Their children’s inheritance.
Their retirement plans.
Their summer trip to Disney.
Will consumers with a troubled credit history continue to pay hundreds of thousands of dollars in extra expenses?
For most, the answer is yes.
$70,000 extra for a mortgage and 400% higher interest costs for auto loans according to TheMortgageReports.com. While not all consumers will lose the same amount of money due to bad credit, they are all guaranteed to pay more than they would with great credit.
For many consumers, credit repair knowledge is money.
Expert Writing Skills Are Not Required
Being precise is a credit repair agent’s best friend.
The good news is that it is not necessary to be a good writer to compose highly effective credit dispute letters with the templates included in this course.
- You don’t need to be a wordsmith, a walking dictionary, or the Stephen Hawking of Scrabble.
- You don’t need to be a pseudo-lawyer to be successful.
- You don’t have to write long, drawn out letters that try to explain everything.
With successful credit repair, it is the system itself that needs to be followed in order to win.
The most important thing that a credit repair professional can do for their clients is to scour their client’s credit reports and other information for precise pieces of information to include into their credit dispute letters. In order to be successful with credit repair a process will need to be followed that is easy to duplicate, and will continue to serve anyone who takes the time to learn this information and whomever they choose to help forever.
The information contained in this course has literally changed people’s lives for the better.
So what’s in it for the bureaus? If there are millions and millions of errors on consumer credit reports, then why are they allowed to continue to operate in this manner?
Credit bureaus are multi-national corporations who catalog data on every American and then provide others with access to that data in whatever way makes them the most money.
The credit bureaus HAVE to report negative information. It’s literally their business model. People with bad credit pay tremendously more than those with good credit, meaning a lot of money is made by keeping negative information on consumers’ credit reports for as long as possible.
It also serves the credit bureaus very need to exist. If all consumers had great credit then the credit bureaus wouldn’t be needed. In order for them to exist, stay in business, and prosper, bad credit must be a large and highly profitable segment of the credit industry.
So how do consumers win?
Consumers can force the credit bureaus to comply by leveraging robust consumer protection laws and following a regimented dispute system. In a nutshell, the way successful disputes are won is by following an established procedure, developing a paper trail, and then presenting that information to the right parties in order to force compliance.
Credit repair operators say the right things, to the right people, in the right order.
They document everything.
The law is on the side of the consumer, and watchdog agencies such as the CFPB can provide valuable firepower to consumers whose rights have been violated through credit reporting errors.
This course will teach students how to compose a dispute letter to the credit bureaus from their laptop whenever they need, for whomever they want, for any type of credit situation. Once the fundamentals of credit repair are learned the process becomes second nature, and results become that much easier to predict and produce.
The truth about credit repair is that it doesn’t matter who claims to have done what to whom, which is literally what a credit report is. Consider this:
- A company claims to the credit bureaus that it was wronged financially by a consumer
- The credit bureaus report this accusation, as if it was fact, onto the consumer’s credit report
- Negative consequences and additional expense immediately begin for the consumer
- Much larger consequences, such as employment or promotion denial or mortgage denial are now possible
- Even though all of this has happened, many times the consumer is unaware that they have expensive negative information appearing on their credit report for years
- The consumer disputes the negative account once he or she realizes it is there, but the automated systems at the credit bureau reports that the account is legitimate
- The consumer is forced to live with negative information, that they don’t agree with, appearing on their credit reports and causing far-reaching financial expense
- The bureaus, collectors and others make no effort to correct the information because of the large financial incentive to report negative information for as long as possible
The scenario above is the way the credit reporting industry has been setup by the bureaus because it generates the most profit for them and their business partners. By learning the skill of credit repair, credit repair professionals are able to turn the tables and force the bureaus and others to comply with the law.
What matters to the professional credit repair agent is, does the credit bureau have the proper documentation to report the negative information in the first place?
- What documentation does the bureau have?
- Did they produce the proper documentation that the law requires when they were asked to?
- What documentation, if any, did they produce?
- Did the documentation that they produced match what is being reported in their or other credit reports?
- Example: both Experian and Equifax assert that the data they are reporting about a consumer is accurate, however that data is different for each report. Since at least one of them has to be incorrect, which one is wrong? (likely both)
Credit repair businesses operate by evaluating the information they receive from the bureaus against their clients own records to determine what the bureau is reporting incorrectly. With credit repair, information is requested from the credit bureaus and various data furnishers with the filing of dispute letters.
Specifically, many disputes ask the bureaus and data furnishers to produce the records and information that they are required by law to produce when dispute letters are filed. The information they provide is very often inaccurate or inadequate, and no matter what the mistake or inaccuracy is, it always costs the individual consumer extra cash, never the bureaus or collectors.
The goal of a professional credit repair operator isn’t to prove that the accounts their clients want to dispute are technically right or wrong. Their goal is to demonstrate that the information being reported is being done so in violation of clearly established legal precedent.
The “right” or “wrongness” of individual client accounts is a moot point as it relates to professional credit repair and evaluating clients’ rights. If a credit repair company has a client that wants to dispute an item, it is their duty to do so to the best of their ability with their client’s best intentions clearly in mind.
In general, a credit repair company’s job is to help consumers remove inaccurate information from their credit reports. Removing information from credit reports will help tremendously to improve credit scores, but that doesn’t mean that the consumer won’t still owe any debt that they rightfully owe. It simply means that whether they rightfully owe it or not is not the evaluation that credit repair takes into consideration. Credit repair operators are only evaluating the technical, factual completeness of credit report information, and when details of the account that their client wants to dispute are inaccurate, they document this fact and then take action to have it removed from the client’s credit reports as prescribed by law.
Millions Of Credit Reports Contain Errors
How many people’s rights are being violated right now by multinational big data corporations like the credit bureaus without them even knowing about it? According to statistics, millions, which is why there is such a tremendous opportunity for those willing to learn the information you have in front of you right now.
In the following modules this course will get into the specifics of credit repair, including how to write round 1 credit dispute letters to the credit bureaus that can work for your own credit, and that of your friends and family. Also, this course will provide some insight into how the skill of credit repair can be extremely valuable as a business operator. You have found the best credit repair training available anywhere, at any price.
Once again, welcome aboard this credit repair training course, and thank you very much for taking part.
Realistic Course Expectations
This course was developed to compile information for everyone who wants to effectively dispute information on their credit reports.
Consumers who will have the most success with this resource will typically follow the schedule below:
Month 1: Write initial dispute letters to the credit bureaus, then wait 30 days for their response
Month 2: Write method of verification request letters to the credit bureaus, then wait 15 days for their response
Month 3: Write follow up letters if necessary and prudent, including 609 and collector validation letters
Month 4: File a free online complaint, complete with supporting documentation, to enforce compliance
Although the material in this course is very effective, there is no quick way to do credit repair. Students who enroll in this course should know that delays are common and they will likely need to do additional research that pertains to their specific credit issues as they navigate through the credit dispute process.
Consumer credit repair is a process that will take several months to complete, and this course has been designed to provide students with access to the materials as they are required for each step of the dispute process. This course can create a tremendous boost to a consumer’s credit, and their quality of life.
Student’s are reminded that even though it may take several months, eventually they will get the negative items off of their credit reports, and all of the time and effort will be worth it when applying for a loan or mortgage with complete confidence, knowing that they can finally qualify for the best interest rates as opposed to hoping to qualify at all.
The information compiled in this course will allow consumers to file disputes with all three credit bureaus, follow up on those disputes, and then file complaints as required if the bureaus are not complying with the law, but it can’t work miracles. Most of the dispute letters and techniques found here are designed to work on credit reporting errors that are several years old or more. Unfortunately, for debt that is very new or highly “collectible” there is likely no credit repair process that will remove it quickly, however there are still methods that can be used to improve the situation.
The method that this course teaches can provide an amazing boost to credit scores, and can allow anyone to then sell this skill to others as a credit repair service provider.
While this course cannot answer every single credit repair question that may arise, students should expect the following from this course:
1. How to write initial dispute letters to the credit bureaus
2. How to write method of verification letters to the credit bureaus
3. How to write debt collector validation letters
4. How to write 609 credit repair letters
5. How to track the dispute process and the importance of doing so
6. How to file a free online complaint with a consumer watchdog to force compliance
7. The fastest and best ways to add positive credit to your credit reports
8. Links to full texts of major credit repair laws
9. A dispute tracking tool that can be downloaded and used in the cloud for personal or business use
10. Full access to the dispute letter index with 90+ dispute letters that can be customized for almost any situation
HIGH-LEVEL CREDIT REPAIR WORKFLOW
This is a high-level view of credit repair that breaks the process down into an easily understandable workflow.
Step 1: Procure credit reports for yourself or your client
Step 2: Identify all accounts that are to be disputed
Step 3: Write letters to credit bureaus referencing accounts
Step 4: Send letters via regular mail with tracking
Step 5: Wait for bureau responses
Step 6: Send method of verification requests
Step 7: Send collector validation letters (if applicable)
Step 8: Send 609 letters (if applicable)
Step 7: Write follow up letters (or file official complaint)
Step 8: Evaluate follow up responses
Step 8: File an official complaint
Module 1 References
1. “Bad credit loans: How much does bad credit cost me?”; https://themortgagereports.com/39588/bad-credit-loans-how-much-does-bad-credit-cost-me
2. “DEFINITION of Credit Repair”; https://www.investopedia.com/terms/credit-repair.asp
3. “The real problem with credit reports is the astounding number of errors” ; https://www.cnbc.com/2017/09/27/the-real-problem-with-credit-reports-is-the-astounding-number-of-errors-equifax-commentary.html
4. Video Report Script: “40 Million Mistakes: Is your credit report accurate?”; https://www.cbsnews.com/news/40-million-mistakes-is-your-credit-report-accurate-25-08-2013/
5. Video Report: “40 Million Mistakes: Is your credit report accurate?”; https://www.youtube.com/watch?v=HdMR2wYNmt4
6. DUPLICATE OF LINK 1: “Bad credit loans: How much does bad credit cost me?”; https://themortgagereports.com/39588/bad-credit-loans-how-much-does-bad-credit-cost-me
7. “The Definition of Opportunity Cost”; https://www.investopedia.com/terms/o/opportunitycost.asp