Credit Repair Steps

Below are suggested step to perform self credit repair.

So that we can stay compliant with our software distribution license, our attorney's mandate that we publish this disclaimer:

DISCLAIMER: (Please Read & Understand)

The steps below are intended to summarize and outline how the credit repair process can be done. It may not be suited to your specific situation. It is not the intention of this website or software company to provide legal or professional advice on credit repair. It is the responsibility of the individual performing their own credit repair to investigate items that are believed to be inaccurate, erroneous, or obsolete. You are not advised to dispute items that you know to be accurate. Each individual will experience different results based on the information supplied, and responses given. The owner of this website and software are not responsible for any results you achieve.

With that said, let's begin!

Step #1: Enter Your Personal Information

• Name
• Birth date
• Social Security number
• Phone numbers
• Mailing Address
• Present Address
• Prior Address

Step #2: List your Credit Items

• Go to Credit Items Tab
• Enter your Credit Accounts that are inaccurate
• Creditor name
• Account Number
• Select a reason why this account is in error
  • (sometimes it already listed on your credit report)
• Check the box for each bureau reporting it in error

Step #3: Print, Sign, Mail

• Go to Print Menu and click "Print 1st letter"
  • Suggestion: Print the letters 3 times so you have multiple copies with the original date to send in future months
• Sign each letter printed
• Make a copy of these items for each letter you are sending
  • Your photo ID
    • Social security card
      • (or other document with social security number on it)
    • Utility Bill (from current or last month)
      • (with your name, and present address on it)
• Hand write an envelope to the bureau addresses
• Put one letter, photo ID, Social, and Utility Bill in each envelope
• Mail via US Postal mail
  • Mailing Certified/Return receipt is also an option, and will cost roughly $5-$9 per envelope
  • Be sure to make note of the tracking numbers in the "Notes" tab if you use Certified/Return Receipt.
  • Also, once the return receipt is received, enter the date and note on the Notes tab to maintain accurate records for later use

Step #4: Follow up/Follow through

Between 2-5 weeks (mail times vary) after sending your letters, you should receive a response from the Credit Bureaus.

These are the typical responses one could expect (since each individual has unique situation and request, results will vary from person to person)

• Frivolous or irrelevant
• Working with a Credit Service
• Investigated & verified
• Investigated and Removed
• No response after 40 calendar days

These responses assure you that your letter was received. The next step is to respond appropriately.

Frivolous or irrelevant

On the Print menu, you can use the "Frivolous Response" letter. Mail to each bureau with a copy of your dispute letter

Working with a Credit Service

On the Print menu, you can use the "Credit Service Response" letter. Mail to each bureau with a copy of your dispute letter

Investigated and Removed

Open the software, and go to the "Credit Items" tab

Put a date in the "Removal Date" column for that particular Bureau and item

Repeat for each item on that report

wait for the other reports to come in an repeat the process for those

Investigated & verified

After making sure you have properly marked each item that was removed (above step), go to the Print Menu and print the next letter in sequence (2nd letter or 3rd letter)

Repeat Step #3 above, but use the newly printed letter along with your ID, Social, and Utility bill.

If you would like detailed tracking records, you can mail it US Mail Certified/Return Receipt for rounds 2 and 3 to ensure accurate tracking.

Again, it is suggested that you make notes of all tracking confirmation numbers in the Notes tab for accurate and detailed tracking of this process.

No Response from Bureau after 40 calendar days

• On the Print Menu, Print the "30 Day follow up Letter"
• Fill in any blanks, Sign the letter and mail with your ID, Social, Utility Bill
• Mail it with a copy of the original dispute letter
• If you would like detailed tracking records, you can mail it US Mail Certified/Return Receipt
  • Again, it is suggested that you make notes of all tracking confirmation numbers in the Notes tab for accurate and detailed tracking of this process.

If no response is received after an additional 2-3 weeks, you may

• On the Print Menu, Print the "45 Day follow up Letter"
• Fill in any blanks, Sign the letter and mail with your ID, Social, Utility Bill
• Mail it with a copy of the original dispute letter
• If you would like detailed tracking records, you can mail it US Mail Certified/Return Receipt
  • Again, it is suggested that you make notes of all tracking confirmation numbers in the Notes tab for accurate and detailed tracking of this process.

If no response is received after an additional 2-3 weeks, you may

• On the Print Menu, Print the "Final follow up Letter"
• Fill in any blanks, Sign the letter and mail with your ID, Social, Utility Bill
• Mail it with a copy of the original dispute letter
• If you would like detailed tracking records, you can mail it US Mail Certified/Return Receipt
  • Again, it is suggested that you make notes of all tracking confirmation numbers in the Notes tab for accurate and detailed tracking of this process.

If no response is received after an additional 2-3 weeks, you may

• On the Print Menu, Print the "Complaint to FTC" for each bureau that has not responded to your request
  • (FTC=Federal Trade Commission)
• Fill in any blanks with the bureau name and address,
• Sign the letter and mail to the FTC address
• Use one envelope per bureau complaint
• Mail it with a copy of:
  • The original dispute letter to that bureau
  • Copies of any Certified Return Receipt slips used
  • Copies of any signed return receipt slips
• If you would like detailed tracking records, you can mail it US Mail Certified/Return Receipt
  • Again, it is suggested that you make notes of all tracking confirmation numbers in the Notes tab for accurate and detailed tracking of this process.

Also, you may want to ensure the the information you sent is adequate for the bureaus to confirm your mailing address.

Address verification check:

1. You Photo ID has your legal Name and Physical Address
2. Your Social Security Card has your Legal Name and Social Security number
3. Your Utility Bill:
   • Is current (less than 30 days old)
     • Has your Name printed on it (as on your Social or photo ID)
     • A service address (where the electric, gas, water, is being delivered to)
     • A mailing address (where the bill is being mailed to)

The bureaus should be able to match:

1. Your Name on the dispute letter to your ID & Social
2. Your Name on the utility bill to your ID & Social
3. The birth date on your ID to the birth date on file

The bureaus can then justify mailing responses and credit reports to the mailing address of the utility bill.

Typically, they would mail to the address on the drivers license, but if you have moved recently and have not updated the "FRONT" on the ID (stickers on the back do not count as an updated address), then your responses may be going to an old address, or not going out at all.

Remember, they are mailing "your" Credit Report out. This is for your protection against ID theft that they will not send all your credit information to an unknown, unverified address. Imagine if a stranger (or a crazy Ex, P.I., or unsavory divorce attorney) falsified your ID and social and attempted to obtain a copy of your credit report to do harm or research background information on you. The bureaus take these precautionary steps to help prevent ID theft (this nations largest crime currently. Make sure to do your part to assist them in giving them adequate documentation to be able to confirm that it is truly you requesting your information and not someone else pretending to be you.