The accounts section contains a detailed history of all accounts (open and closed), your balance, and your payment history associated with each account. You should be able to see month-by-month payment information for 7 years of history. Each month will have a symbol next to it that indicates whether the account was paid as expected or if it was late.


If you have a number of mistakes that appear in your report, you may want to only include a few disputes at a time. We recommend a maximum of five disputes in a one ltter. This means that you may need to go through several rounds of disputes if you’ve never repaired your credit before. If you do this process regularly, then it typically takes one round, at most.

Functionally the same as the much more expensive Professional Edition, the Credit Detailer for home users is a powerful credit repair tool. It contains information on credit repair regulations and consumer rights, and is designed for both effective credit repair and educational opportunity. Simple, automated and customizable, Credit Detailer is worth checking out.


Managing a business means managing its financial resources, regardless of your job title. Your ability to make smart decisions about projects relies on your understanding of  timelines and cash-flow calculations to track cash flow and payments, the value of securities and investments, and how to determine overall cost effectiveness. To do this, you need a good working knowledge of a number of financial concepts.

This two-day course is ideal for business managers who would like to be more financially skilled. Starting from scratch, you’ll understand the key financial concepts that are of crucial importance in the boardroom. And we break these concepts down to see what they mean for you in your role. We cover the big picture; how accountants think; how the numbers help you understand performance; budgeting and forecasting; and investment appraisal – everything you need to know to make better business decisions.
Payment history is the largest component of your credit score. Making your credit card or loan payments on time is crucial in establishing your credit and maintaining a good score in the future. Payments that are more than 30 days late will start to hurt your score. At the very least, be sure to pay your bills no later than 30 days after the due date.
Grab your pens and grab your papers and prepare to learn how to get your credit back on track with the 850 mindset DIY credit repair. The 850 mindset teachings are thorough, yet simple for anyone to do. You are provided the tools needed to increase your credit score yourself. I love the variety of dispute letter provided, as well as the tips mentioned in the attached videos to help. I learned a lot! Thanks for helping me get back on track!
That means that you can also use credit repair to verify if a collector has complete information about your debt. If they don’t, then the bureau removes the collection account from your credit report. If the bureau doesn’t think the collector has enough information to collect, a court is unlikely to either. When you want to use credit repair for this type of strategy, you should work with a professional credit repair service.
In the credit repair industry, learning never stops. There are always new innovative ideas and daunting issues to tackle. This is where the need for our workshop comes in. There are so many variables to put into consideration when resolving credit inaccuracies which one person cannot know the answer to. In these detailed, targeted workshops, we teach and rub minds together on different aspects of the credit repair industry. In some of our workshops, we have special guest speakers who have gained invaluable experience over several years of service and are well knowledgeable about the workings of the industry disclose important techniques that you can use to grow your business massively. The time spent during every workshop range from 30 minutes to 1- hour, be assured you’ll spend this time amassing valuable knowledge.
Whether you found yourself in too much credit card debt and had accounts go to collections, or you discovered errors on your credit reports, you know something is bringing your credit scores down and you want to fix it. After all, your credit scores determine what terms and conditions you are eligible for on loans and lines of credit, such as a mortgage or credit card.  
Write a letter to the specific credit reporting agency that shows the falsehood, whether it is Experian, Equifax, or TransUnion. Explain the mistake and include a copy of the highlighted report along with your documentation. Although certain bureaus now let you submit disputes online, it’s not a bad idea to send this letter by certified mail, and keep a copy for yourself. The reporting agency has 30 days from the receipt of your letter to respond. The Federal Trade Commission provides advice on contacting the credit bureaus about discrepancies. Here are the contact numbers and web sites for the three credit bureaus:
Every time you pay on time it creates a positive space that stays on your credit forever and pushes you ahead. But each time you pay more than 30 days late, it sets you back 7 years from the date the payment was missed. And the longer a debt goes unpaid, the more it sets you back. If you let it go unpaid too long, the creditor writes off the account and changes the status to charge-off. Charge offs also set you back 7 years.
If following the steps above seems daunting, some organizations specialize in paid credit repair services. Most of the services require a monthly subscription fee between $60-$100 per month, and most reviews report that the negative items are completely removed within 3-5 months. Despite the high cost, legitimate companies provide a valuable service if you’ve been the victim of identity theft and you want someone else to do the work for you.
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