Credit Rating
Credit repair
Credit Repair Program

You should never pay someone else to repair your credit.  In a consumption-driven society that operates on credit, every citizen should learn how to improve and maintain their own credit rating to save a significant amount of money throughout their lives. offers a free, no gimmicks or false promises credit repair program.

Credit Repair Information

Credit Repair Illustrated
Credit Repair Roadblocks
Credit Repair Tactics
Can I Create a New Credit Identity?
Credit Repair Scams
Fair Credit Reporting Act

14-Step Credit Repair Program

Step 01: Order Credit Reports
Step 02: Evaluate Your Credit Reports
Step 03: Get Incorrect Information Removed
Step 04: Bankruptcies, Judgments and Liens
Step 05: Charge-offs and Late Payments
Step 06: Student Loans
Step 07: Mortgage / Auto Loans
Step 08: Bank accounts / ChexSystems®
Step 09: Accounts Belonging to Ex-Spouse
Step 10: Unauthorized Inquiries
Step 11: Add Supplemental Information
Step 12: Follow-up to Step 3
Step 13: Closing and Opening Accounts
Step 14:  Add a Consumer Statement

Sample Credit Repair Letters

Letter 1:   Request Free Copy of Credit Report -- Denied Credit
Letter 2:   Request Free Copy of Credit Report -- Unemployed
Letter 3:   Request Copy of Credit Report for a Fee
Letter 4:   Account Belongs to Former Spouse
Letter 5:   Ask Creditor to Remove Negative Information
Letter 6:   Creditor Reporting Information Incorrectly
Letter 7:   Negotiate with Creditor to Remove Negative Information
Letter 8:   Request Consumer Statement Be Added (Unemployment)
Letter 9:   Request Consumer Statement Be Added to Report (Creditor's Fault)
Letter 10: Request Erroneous Information Be Deleted from Report
Letter 11: To Collection Agency; Not Responsible for Paying the Account
Letter 12: Ask Credit Bureau to Remove Account Reported by Debt Collector
Letter 13: Request Incorrect Information Be Correctly Reported
Letter 14: To Subscriber, Complain About Unauthorized Inquiry
Letter 15: Request Creditor Officially Close Account
Letter 16: Request Unauthorized Inquiries Be Deleted
Letter 17: Request Credit Bureau Comply with FCRA (Letter 1)
Letter 18: Request Credit Bureau Comply with FCRA (Letter 2)
Letter 19: To Credit Bureau, Who Is A Subscriber?
Letter 20: Request Credit Bureau Remove Obsolete Information
Letter 21: Request Supplemental Information Be Added to Credit Report
Letter 22: Request Creditor Report Payment History to Credit Bureau
Letter 23: Request Consumer Statement Be Added (account not mine)
Letter 24: Request Consumer Statement Be Added (Non-performance)
Letter 25: To Credit Bureau, Student Loan Was in Deferment
Letter 26: Ask Creditor to Remove Student Loan Late Pays (Sample 1)
Letter 27: Ask Creditor to Remove Student Loan Late Pays (Sample 2)
Letter 28: Ask Student Loan Regulatory Agency for Help

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Negative Information on a Credit Report

Negative notations, such as late payments, charge-offs, etc. remain on your credit report for up to seven years.  A bankruptcy can remain on your file for up to 10 years.  Information about a lawsuit or an unpaid judgment against you can be reported for up to ten years or until the statute of limitations runs, whichever is longer.  Federal law (Fair Credit Reporting Act) requires that negative information be deleted after the specified number of years so that you aren't punished for the rest of your life for having once had a bad credit rating.  However, there are certain exceptions to this law that you should be aware of when doing credit repair:

(1)  Credit information reported in response to an application for a job with a salary of more than $75,000 has no time limit.  This means that a prospective employer can be given a copy of your credit report that disclosed the fact that your credit card was charged-off account that occurred more than seven years ago, provided that your salary is $75,000 or more;

(2)  Credit information reported because of an application for more than $150,000 worth of credit or life insurance has no time limit.  Your mortgage lender or insurance agent can access older, negative information about your payment history.  But do they?  No, not really.  Most lenders don't access old information about you, but be aware that they can legally do this if the amount involved is more than $150,000.  So, if you're trying to improve your credit rating to get a lower mortgage interest rate, take notice of this fact if the house you plan to buy is $150,000 or more, as it could possibly result in a higher interest rate.

(3)  Information about criminal convictions may be reported without any time limitation.