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Here's how: 
1) Obtain a credit report form one of the credit bureaus to 
determine if there are damaging entries that might cause 
your credit application to be denied.  
2) Call several banks of other lenders and ask the 
receptionist, etc., which credit bureau they use in their 
application approval process. If the individual tells you 
they don't know, ask them to find out.  
3) Select a bank or lender that subscribes to a credit 
reporting agency other than the one typically used in the 
area.  
4) Obtain a credit report from the credit reporting agency 
that your selected lender uses.  
5) Repeat step number 4 until you find a report that is 
favorable to your and shows the least negative entries.  
6) The only thing left for you to do is apply with that 
bank, lender, or other creditor that subscribes to the 
credit bureau that has a credit report the most favorable to 
you.  
Bulldog Tactics So Powerful They're Devilish! 
When you receive your credit report, write down every piece 
of information that is inaccurate or untrue. Even if an 
entry is partially true, you may still want to dispute it. 
Especially if your credit report will be improved as a 
result. Read all of the instructions on the back of your 
credit report very carefully. Symbols may be used for much 
of the information entered and you will have to understand 
each one. It's easy to become confused but a number you can 
call if you have a question will be provided.  
Here are steps you can take to have damaging entries removed 
from your credit report:  
1)Make a list of inaccurate or untrue entries that you find 
in your credit report.  
2)Call the credit bureau and tell the appropriate person 
that you want to dispute an entry you have noted on your 
credit report.  
3)Don't allow any credit bureau employee to talk you out of 
proceeding with your appeal. To avoid a distracting 
confrontation, don't even tell them you want to challenge. 
They won't initiate any action on your behalf anyway until 
they receive your appeal request in writing.  
4)To initiate the proper appeal procedure, ask the person 
you speak with to send you a "Dispute Form."  
5)Complete the "Dispute Form" and return it to the credit 
bureau by certified mail.  
6)When the credit bureau receives your written dispute 
request they will then attempt to verify the dispute you 
have indicated with the bank, lender, or creditor 
responsible for having the damaging information listed.  
7)You will be notified of their decision within 30-45 days. 
 
This technique will work for you to eliminate negative 
entries from your credit report for one of two reasons:  
1)Most creditors don't hang on to old files. They either 
place them in storage or throw them out. That means they 
won't be able to easily verify your dispute, if at all!  
2)Many other past creditors simply don't care to waste their 
time verifying the accuracy of a credit report that isn't 
relevant to making money right here and now!  
That is the basis of why credit repair clinics were so 
successful when they came on the scene. They knew form 
experience that by created a flood of challenges directly to 
a credit bureau, sooner or later creditors who continually 
received inquiries would become frustrated and simply not 
respond. They also knew that if the credit bureau didn't 
receive a response from the creditor they mailed an inquiry 
to, on your behalf, within 30 days, the damaging remark by 
law had to be removed. Thus, a cleaned-up credit report.  
Beware Of Double-Trouble Credit Repair Clinics 
"Credit Counseling" and "Commercial Counseling" services are 
two completely different things. Before you sign any papers 
that end up causing you even more financial harm, you better 
know who you are dealing with! Whereas credit counseling 
services are generally non-profit, commercial counseling 
services (clinics) may charge you 10%-15% or more of your 
total debt. Meanwhile, the services provided by the 
non-profit agency is basically the same. 
"Grand-Slam Success" Doesn't Happen By Accident! 
Just about everyone at one time or another has experienced 
some kind of problem with their cash flow. that's when it 
became difficult to pay the monthly bills and keep up with 
credit obligations. When that happens, damaging information 
may begin to appear in your credit file, and bad times can 
become even worse. For many people it becomes difficult, if 
not impossible to obtain any further credit, just when there 
is a desperate need for it.  
Unfortunately, banks, lenders, and other creditors do not 
extend credit on the basis of need. Credit can swiftly be 
taken away form anyone who cannot demonstrate they are a 
good credit risk. Most people can be successful in 
overcoming credit rejections that have resulted due to 
damaging information showing up on a credit report. The 
problem that most people run into, is that they become 
desperate and will resort to anything and anyone that comes 
along with false promises. Then they find themselves in 
deeper trouble because they've handed out more money they 
don't have, to a crook who gives them nothing in return.  
Giving yourself a grand-slam, clean-credit slate doesn't 
happen by accident. There are a number of techniques and 
methods that can be utilized to create or restore a good 
credit record. The following information is being provided 
to you on the basis that is have been successfully used by 
others. None of the information is being recommended as 
techniques you should use. If you decide to use any of the 
information contained in this report, it is recommended that 
you first consult with an attorney to obtain legal advice. 
Tactics & Techniques That Make Collection Agencies Beg For 
Mercy!  
The "Get-Off-My-Back" Wage Earner Plan! Using Federal 
Bankruptcy Act, Chapter XIII - Wage Earner Plan, you can 
file for immediate relief form unmerciful creditors and 
collection agencies. To be eligible, your monthly bills must 
exceed your income, and your major income must be earned 
from a salary or commission. You can file for the Wage 
Earner Relief Plan simply by contacting your attorney or the 
U.S. District Court nearest you. Ask to speak to the person 
who administers the plan.  
Generally within three days of filing, a restraining order 

 

 

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