Free Credit Repair System-free Cd

What is the best credit repair system? The best credit repair system is not always the free one

. Most people are looking to solve a specific credit issue that has been difficult for them to solve up to this point on their own. So, they search on the internet looking for a free solution that will solve their specific need. Most of the forms for taking care of the simple stuff can be found on the internet for free. Your search on the internet should be more specific. For Example: How do I take off Charge-Offs on my credit report?

Charge-Offs

Most people are looking to take a Charge-Off off of their credit report. This can be the most difficult problem to solve for some. A Charge-Off is a negative dept that you owe or has not been paid and is showing up on your credit report. Most charge offs are associated with revolving credit cards. However, they can come from phone and utility companies that have decided to charge off the dept to a negative. The Term Charge-Off means the company has considered this dept not-collectible and a negative business venture to be taken off of their taxes. Charge-Offs will stay on your credit report for seven years in most states. You can negotiate a Charge-Off by making an offer to the company that you owe money to. The forms for negotiating charge offs can be found on the internet for free. There are techniques that you can use to legally take off a Charge-Off from your credit report.

Negotiating Your Dept

Every single issue on your credit report can be negotiated down dramatically, every thing including child support, taxes and liens by judgments. The more difficult issues such as taxes, child support and liens can be handled directly by you. However, these can take time. In most cases there are multiple issues that need attending to with expertise. You will need to find out which on of the credit reporting agencies is pulling your score down the most. You should get a Tri-Credit pull by one of these free triple credit score companies.

The three main companies are TRW, Trans Union and EquaFax. The score from each of these companies added together and divided by three equal your credit score. You should start negotiating down the depts being reported by the agency giving you the lowest scores first.

Free Forms

You should be able to find the forms for negotiating down each dept one by one on the internet for free. You will need to narrow down your search terms and be more specific so that you get the exact forms you are looking for. You can submit all of the forms at once and attack ever thing on your credit report at one time if you wish. Some items are non negotiable, such as late payments on your mortgage or late payments on your credit cards. You can pay off all of the easy stuff now and start sending out forms for the hard stuff out of reach stuff.

100 Word Secret

Most people dont know a secret that I am about to tell you. You are allowed to write a 100 word explanation

for each credit reporting agency explaining why you were late on paying your credit cards, mortgage payments and utility bills. These explanations will show up any time a creditor does a credit pull for checking and approving credit. I am going to tell you another secret. These 100 word statements are required by mortgage under writers for approving mortgage loans. In some instance as a loan office, I have been requested by under writing to get a complete explanation letter for the late payments in order to get the mortgage loan approved.

Open A New Credit Profile

You can open a new credit profile 100% legal by ordering a free CD at my website located below.

by: Mr. Phillip Lao

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