Your Credit Rights

You have the right to dispute any inaccurate information you find in your credit file. When you receive your report, in addition to the instructions on how to read and understand the information, it will also tell you where to write to dispute any inaccuracies. If the company that is reporting the information that you are disputing cannot prove what is on the report, then it must be removed, and this goes a long way in improving your overall credit picture. It is important that you write a separate letter for each dispute. By writing one letter to challenge each negative item than one letter challenging several items, then the credit bureau may be a little more diligent in their efforts because they do not want to allow someone to wipe out a lot of negative information with one letter. I know it will be a big hassle to write a letter of dispute for each negative item, but you will be able to track more closely which items were or were not actually removed, and you will have much better chance of having more negative items removed than not.

You should only challenge items that are incomplete, obsolete, erroneous, inaccurate, outdated, or misleading. Also ask for a copy of the report once the investigation has been complete. In your letter be objective, non-threatening, clear and to the point, and use supporting documentation. Do not drop all of your letters in the mail on the same day. Stagger them, one every day or every other day. Keep a log and track everything. Make a copy of each dispute for your file and it is extremely important to stay well organized during this process.

Did you know when it comes to negative information in your file that you have the right to tell your side of the story? Even if you do see negative items on your file and you know it is legitimate, the law says you have the right to place on your file up to a 100 word explanation of your side of the story and it will be given to anyone who requests your file. It is important to remember in doing this to be selective in what you say, always tell the truth, and make sure that whatever you say can be verified. Following this advice is a big step and will go a long way in helping you improve your credit rating. Here are some other things that can help.  Before I get started, I want to point out something that can hurt you more than help you.

To be in compliance with United States Federal Trade Commission Regulations, I must tell you that I, or my publishing company, may receive a commission from the sale of these products or programs. It takes a great deal of time to research, investigate, assemble, and publish, and to be honest, the few dollars  in commissions I, or my company, make in bringing you the best of the best in programs are what keeps my company going.  Allow me to take this time to thank you for reading this article and reviewing the following offers.

WEALTH TRIGGER

wealth and the law of attraction. Learn how to prepare a wealth trigger and activate it within you so you can see how powerful it is. This is a powerful wealth weapon for your mind and it can be used to change you entire subconscious so you can begin to attract wealth. With this program you will learn the 3 steps you must do when developing the law of attraction to your advantage. With this information you will know exactly how to transform any negative thoughts into positive ones that will fuel your success. Learn the best way to destroy those limiting beliefs that are holding you back and learn how to create the vision of abundance so that it can be realized. There is also a simple and powerful way to set your goals so you can achieve them.

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With this program:

You will understand wealth and the law of attraction

You will learn how to prepare a wealth trigger within you

You will learn how powerful it is

You will have a powerful wealth weapon for your mind

You will be able to change your entire subconscious

You will learn 3 steps you must do to develop the law of attraction

You will learn the best way to destroy limiting beliefs

You will know how to transform a negative thought to positive

You will learn how to create a vision of abundance

You will learn how to develop intuitive emotional spiritual power

You will be empowered with confidence and conviction

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ELIMINATE YOUR DEBTS

If you want to get rid of your debt fast this program will show you how you can pay off your debts in five years or less including your mortgage. This program is structured with action steps for rapid debt elimination and it’s guaranteed to work for everyone.

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THIS PROGRAM:

Will help you get rid of your debts fast

Will help you pay off your mortgage

Is action step by action step

Is guaranteed to work

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PROTECT YOUR PRIVACY

In this high tech world, it becomes more important than ever before to protect your identity and financial privacy. This privacy protection program will give you the information you need to keep your personal and financial information private. This information to anonymous living will benefit you greatly in protecting your identity and preventing identity theft.  You will also use financial privacy principles for banking secrecy, gain freedom from internet stalking, and have workplace privacy and employee privacy.

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WITH THIS PROGRAM YOU WILL LEARN:

How to protect your identity

How to protect your financial privacy

How cyber thieves come up with new ways to steal your identity

How cyber thieves come up with new ways to steal your financial information

About financial privacy principles

How to keep your banking information secret and safe

About workplace privacy

To keep it secret keep it safe

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PROTECT YOUR IDENTITY

Today more than ever, you must be vigilant in protecting your personal information from being stolen. It definitely pays to learn all you can about the world of fraud and identity theft. With this identity theft program you will learn how criminals get the information they need to steal identities. Remember this, cyber criminals have one weakness and that is they are looking for an easy score and your best defense is making your personal and financial information exceptionally difficult to get. Learn the five different methods identity thieves use to steal your information and the five pieces of information you should never post on Face Book or any other social media. This program has an identity protection plan and an iron clad special ops strategy that will never fail to keep you one step ahead of the cyber criminals and without having to pay an ongoing monthly fee.

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THIS PROGRAM WILL HELP YOU:

Remain vigilant in protecting your personal and private information

Level the playing field when it comes to cyber criminals

Keep your information out of reach

Learn how identity thieves get information to steal your identity

Learn the 5 different methods identity thieves use

Stay one step ahead of the cyber criminals without paying monthly fees

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COUPLES AND MONEY

Sometimes it’s difficult enough to manage money on your own and sometimes it’s more difficult to manage money with another person. Financial management continues to be a leading cause of stress in the home. If you feel like this is happening to you and you are looking for a better way to manage money with your significant other, then this program can help. Here you will find techniques, strategies, and tools used by couples to effectively manage the household income, create harmony, and build wealth.

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IF YOU ARE SHARING EXPENSES WITH SOMEONE YOU MUST REALIZE:

My money is your money

It could be a problem but it doesn’t have to be

Financial management continues to be a leading cause of stress in the home

WITH THIS PROGRAM YOU WILL:

Find techniques

Discover strategies

Uncover tools

Create financial harmony

Build wealth

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DIRTY MORTGAGE FINANCING SECRETS

If you are in the market for a mortgage, you need to know how to avoid schemes and tricks brokers use, how to look for costly mistakes, and build financial security. You need to make sure you don’t get taken advantage of by being gouged for extra fees and points. Most people don’t know how to shop for a mortgage and a big reason is because most people worry about the house they are buying instead of the loan. They don’t realize it’s the loan that cost you month after month, not the house.

Mortgage lenders make big money based on how much you borrow and all the points and fees that go with it. It’s true that the mortgage business is regulated and still there is a lot of fraud. The United States Justice Department, not long ago, reported that some mortgage companies were fined over eight million dollars in just one year for overcharging thousands of unsuspecting borrows, and those are the ones that got caught, think about the ones that didn’t get caught. Oh yeah, there out there.

When I was in the business I personally knew a senior loan officer who charged ten points on a two hundred thousand dollar mortgage. That’s ten percent on two hundred thousand dollars, that’s twenty grand in fees. I asked him, “what do your customers say when they see that?” He said, “oh I don’t show them that until they get to the closing table.” I said, “don’t your customers just get up and walk out?” He said, “Yeah, sometimes, but usually by then it’s been a long wait, and I’ve dragged them through the mill, they just go ahead and sign off on it.” I said, “man, how do you sleep at night.”

This is absolutely ridiculous, to say the very most criminal, to say the very least unethical, don’t let this happen to you by being aware of all the details and read everything before you sign. (You would be surprised by how many people don’t and just sign on the dotted line.) This is excellent information for first time buyers, and for those who are buying their second or third home, or refinancing.

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LEARN HOW TO:

Avoid schemes and tricks

Look for costly mistakes

Build financial security

Ask the most important questions of any lender or broker

Avoid over paying

Compare one lender to another

Get the lowest rate

Get a loan with the lowest points and fees

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