There is no magic pill to repairing your credit the Real secrets are the laws on the books. If you are depending on finding some magic templete online good luck on repairing your credit. I have been helping people repair their credit for years and the first thing I tell them is that this will not be a quick process repairing your credit is hard work and time consuming. If your not willing take the CB's and the collection agencies to the mat then this is not for you. I myself have been on the verge of taking all three CB's and a few collection agencies to small claims court, but before we made it to court they always gave into my demands when the law is on your side you will always win. I have made it my job in life to help people fight against the powers that be. Please feel free to send all questions if I can't answer it I will work to find an answer for you.
Lblake, I Just Stumbled On The Website While Trying To Figure Out The Best Ways To Try To Improve My Credit Ratings. Im Willing To Do Whatever It Takes To Try To Take Some Of The Negative, But Accurate Items Off My Credit Report. Wondering What You Think About My Issues: Late Twice On My Mortgage 2 Years Ago. Never Late Again Or Before Those Dates I've Have My Mortgage 7 Years. Thought About Writing A Gw Letter To Have The Negative Late Payments Removed. Do You Think I Have A Chance. Around The Same Time, I Had Some Credit Cards Go Into Collections. Two Of Which I Have Paid In Full Through The Collection Agency. Shows On My Report As A Charge Off But Paid In Full. The Other One I Settled On The Amount. It Shows On There As A Settlement. Is There Any Hope On Atleast Getting The Paid In Full Ones Removed? Other Than Those Everything Else Is Okay. Never Late On Car Payements --- Etc.... Any Suggestions On How I Go About Doing These? Any Are Appreciated!
Dispute it through the credit reporting agencies. Target data fields that seem inaccurate or incomplete.
I think The GW letter is a good idea since you have been in good standing since then....gone and give it a try.
