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Guerrilla Tactics That Will Give You A Good Credit Rating
Learning How To Get Connected With Good Credit
Obtaining credit can be incredibly easy or extremely difficult. Once
you have established credit, it can open doors of opportunity you never even considered
being a possibility. Credit can allow you to take the dream vacation of a lifetime, drive
a luxury car, dress in the latest fashions, achieve the American dream of owning your own
home, or starting your very own business.
The fact is, now that society has rapidly shifted into the fast-lane of
being a cashless society, it would be almost unthinkable not to have credit. People who
have the misfortune of losing their good credit rating in today's world, will most
certainly immediately begin to feel like social outcasts.
It is a very traumatic experience when people find out something is
wrong with their credit. Millions of people have been, and will continue to be notified
they now have bad credit. Many don't seem to understand how it all came about! What they
do know, however, is that all of a sudden they aren't as well-off as someone who still has
their good credit.
Without good credit, people soon discover it's difficult to just keep
up with the no-frills, everyday existence items that are needed. Unless an individual
knows how to improve, increase and repair their own credit, they will have to overcome
many obstacles.
Most people don't have the slightest idea of where to begin. But once
you read the following "GUERRILLA TACTICS" you will learn how to quickly improve
and repair your good credit starting Today!
TO PUT YOUR PLAN IN MOTION YOU MUST
KNOW WHO THE CREDIT REPORTING AGENCIES ARE
Credit Bureaus are extremely powerful organization. Going against a
credit reporting agency is almost like a military encounter. Fortunately, once you're
armed with the Guerrilla Tactics provided in this report, you can rise to the occasion of
winning both the battle and the war!
In the beginning it may appear as if Credit Bureaus have the advantage.
After all, if you are an adult living in America, the overwhelming odds are that a credit
bureau somewhere knows who you are, where you live, the name of every employer you ever
worked for, how many times you applied for credit, how many times you were denied or
approved, and how many time you were late in making a payment. Similarly, it's all in a
credit report that once accessed by a subscriber, will tell them whether or not you should
receive additional credit. The ultimate decision is arrived at by looking at the entries
in your file.
MAJOR CREDIT REPORTING AGENCIES
1) Chilton Creditmatch Systems, 12606 Greenville Ave., Dallas, TX 75243
2) CIB "Credit Bureau Inc."/EQUIFAX, P.O. Box 4091, Atlanta,
GA 30302
3) Pinger Systems/Associated Credit Services Inc., 652 E. North Belt,
Ste. #400, Houston, TX 77060
4) TRW Credit Information, 505 City Parkway West, Orange, CA 92667
TO ACHIEVE YOUR CREDIT GOALS, YOU HAVE TO OBTA
INYOUR CREDIT REPORT AND THEN ATTACH WITH PRECISION!
There are approximately 5,000 credit reporting and collection agencies
operating in the United States today. If a credit problem exists it may or may not be
brought to your attention. For example, damaging inquiries and variations may appear in
your file without your knowledge. However, if you apply for credit and there is a problem
whereby you were rejected, you would be notified by the lender and told that the credit
application denial was the result of a credit bureau report.
If you either know or suspect you have a credit problem, there is no
way to know what you are up against unless you get a copy of your credit report. This is
where any major roadblock to getting credit will surface.
Even before you attempt to obtain or increase credit lines, you should
first obtain all credit reports that are available on you. You can accomplish that by
calling for one or more of the credit bureaus listed and asking for your credit report.
There may be a small fee for this service. However, if your application for credit is
denied by a creditor, then you can receive a credit report at no charge from the credit
reporting agency. We recommend that you do not wait until a credit card company, bank, or
other lender denies your application for credit, before you obtain the report.
Even if you don't suspect a problem, you should get a credit report on
yourself just to identify any false of incorrect information that has been entered into
your file. Damaging computer errors, human entry errors, incorrect social security
numbers, addresses, employers, and income errors happen all the time. At the very least,
you should make certain you haven't become the victim of computer error.
ACCELERATING YOUR CREDIT APPROVAL
BY MATCHING & CONTROLLING CONNECTIONS
Bankers and lenders in a certain geographic area usually turn to one
credit reporting agency. There are many, however, that subscribe to more than one. That
can work in your favor because in many cases your complete credit history may never be
accessed by a credit bureau located in another area.
Your credit file could list multiple damaging information in one credit
report, but never show up in another! By obtaining your credit reports in advance, you
will know which lender to approach for credit. All you have to do is ask!
HOW TO ACTIVATE A BANKER'S DESIRE
TO FORCE MONEY INTO YOUR HANDS!
By applying for credit through a bank of other lender that subscribes
to a credit reporting agency outside the area, there's every reason to believe that some
damaging information will not appear in your file.
Remember, the only way bankers and lenders can survive is to extend
credit to consumers. By taking steps to sidestep one credit report that has negative
entries, and taking advantage of another that show you as a good credit risk, creditors
will practically force hard cash into your hand. 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 POWERFULTHEY'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 will be
issued to all of your creditors. Which Will:
1) Stop creditors, collection agencies, lenders, or anyone else who has
been notified from contacting or harassing you any further.
2) Immediately stop all action against you that had been initiated by
creditor. (Note: For this relief plan to work, it must be accepted by a majority of your
creditors. If the majority agrees to the plan, all others must comply.
3) Immediately stop interest and late charges from accumulating any
further.
YOU CAN SEEK INJUNCTIVE RELIEF THAT
FORCES CREDIT BUREAUS TO STOP REPORTING
NEGATIVE CREDIT INFORMATION FROM YOUR FILE!
"Injunctive Relief" is an effective legal maneuver that can
permanently remove damaging information from your credit report. You will, however,
probably require the services of an attorney. This is how it works!
If you can clearly demonstrate that information appearing in your
credit report is inaccurate and is damaging your character, credibility, or ability to
obtain credit, you can seek Injunctive Relief through the courts. Once relief is granted,
a Judge can order a Credit Bureau to immediately stop reporting any damaging information
appearing in your credit report as outlined in the order, until such time as a trial or
investigation is conducted.
After you, or your attorney, succeed in persuading a Judge to issue an
order for Injunctive Relief, you will have from that moment on until the conclusion of a
trial or investigation, to obtain new credit.
THE "HERE'S JOHNNY!" CHANGE OF ADDRESS METHOD
Here is another way you can eliminate damaging entries from your credit
report:
1) You can magically appear in a completely different part of the
country from where you really live, simply by creating a new address for yourself. Just
ask a friend or relative to receive your mail at their address and have everything
forwarded to that address. The further away, the better. If you don't know anyone that
lives well out of the area, rent a mail drop location. All of your mail will be forwarded
by the mail drop to any address you like.
2) After you have established a new address, you can request a credit
report from the bureau that services that particular area. Apply with lenders that use
this bureau. What you will generally find is that the credit bureau you are now dealing
with will have a limited ability to verify negative items appearing elsewhere.
CHECK BANKRUPTCY OFF YOUR CREDIT FILE,
BY CHECKING IT OUT!
The following method of manipulation works (according to some who have
used it) when combined with the precious "change of address" method. Just follow
these next five steps!
1) Discuss the technique with an attorney who is willing to help.
2) Because bankruptcy is overseen by federal courts, bankruptcy files
are kept in the federal archives.
3) Before you apply for credit have your attorney request to have your
file "checked-out" form the federal archives.
4) Using your out-of-state address as described in the previous
"change of address" method, follow the normal procedure used for appealing any
damaging information appearing on your credit report.
5) As long as your attorney has your bankruptcy file, a credit reporting
agency will not be able to verify its contents. If they cannot make verifications within
30 days, they must remove the damaging information form your credit report. Because credit
bureaus can request an extension, your attorney may have to repeat the process several
times. It becomes a question of who will tire first. According to those-in-the-know, it's
usually the credit bureau.
TELL YOUR SIDE OF THE STORY
AND "SMASH" DAMAGING ENTRIES
Another way to challenge and neutralize entries that appear on your
credit report is by taking advantage of the "100-Word Consumer Statement." This
method allows you to tell everyone who obtains your report your side of the story. A
simple statement may be all it takes to convince a bank, lender or other creditor that a
negative piece of information that is appearing in your file, was nothing more than an
unfortunate incident that couldn't be prevented at the time.
For example, you have been laid-off with hundreds of other workers and
suddenly found yourself out of work. By telling your side of the story, a lender will
understand why you had problems paying off your credit obligations.
Be certain to be sincere, honest, and not too wordy. Never express
anger or hatred. Allow creditors to give you the benefit-of-a-doubt, and the credit you
deserve. Ask the credit bureau about placing a 100-word consumer statement into your file.
HOW TO REMOVE A JUDGEMENT
THROUGH A "MOTION TO VACATE"
People have reportedly removed damaging entries (such as judgments)
from their credit files by using the following method:
1) Hire an attorney who is willing to help you with your goal of having
damaging entries removed form your credit file.
2) Ask your attorney to file a motion of Service of Process for the
purpose of having a damaging judgment entry removed from your credit file. It may be a
weak argument for sure, but in this motion, your attorney will argue that the process was
served improperly. People have reported that this technique will ultimately work in your
favor.
3) By filing a motion of "Service of Process" you are forcing
a creditor to appear in court with an attorney to prove the initial legal process was done
properly.
4) This legal maneuver works in your favor because, if the lender
responsible for the judgment (for example) has been paid, why would he even want to go
through the time and expense of showing up?
5) If you show up and the creditor doesn't, you will win your case
through default. Then you will have the legal ammunition necessary to have the damaging
judgment information removed from your credit file.
HOW TO UNCONDITIONALLY FORCE CREDIT BUREAUS
TO QUICKLY GIVE YOU THE ADVANTAGE BY PLACING
POSITIVE INFORMATION INTO YOUR CREDIT REPORT
According to Federal Laws enforced by the Federal Trade Commission
(FTC), if a credit report results in a debtor's application for credit being denied, that
person has the right to add information that will show a more positive credit history.
All you have to do is contact the credit bureau of your choice and ask
them to contact a list of banks, lenders, or other creditors whose names you will provide,
for the purpose of having the credit information they provide on you added to your credit
file. there may be a small fee, but the good news is that you will practically be able to
force a credit reporting agency to improve the substance of your file by putting positive
entries on your credit report.
The only businesses you should list are those with whom you have had a
flawless credit relationship with. Contact the people on your list and let them know a
credit reporting agency will be calling or send them a questionnaire. After information
has been received and verified, the bureau can add positive items to your credit report.
THE EQUAL CREDIT OPPORTUNITY ACT & WOMEN
Under the Equal Credit Opportunity Act, women have the right to build
up their own credit without being discriminated against. Women who do not apply for credit
in their own names are at a distinct disadvantage. In the event of a divorce or death of a
mate, there wouldn't be a credit history reflecting any personal contributions.
Under the Equal Credit Opportunity Act there is not reason for women to
lose their identity when they are married. You can become familiar with all of your rights
as a woman by writing to the following address and asking for your FREE copy of
"WOMEN & CREDIT HISTORIES."
Federal Trade Commission
Washington, DC 20580
ATTN: Women & Credit Histories
FREE BROCHURE
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