I feel compelled to speak out on the topic of free letters for credit repair that are available on the Internet, because what’s happening to some people is tragic.
Recently — and many time in the past — someone sends me an email something like this:
Before reading Repair Your Credit Like the Pros, I sent <this letter> to the credit bureaus. They rejected it. What should I do now?
The letter they sent was one of those free downloadable letters. Because of what the letter said and the information in the letter, these people had done irreparable damage to their ability to get the derogatory account deleted early.
“Free” can be extremely expensive! A bad dispute letter might cement a negative account to your report like concrete. In some cases, they will need to wait for the derogatory item to age off their report. In other cases, they can try again after waiting 3 to 6 months.
If you want results like the top, experienced pros, then you must follow the strategies the pros use. One thing they don’t do is list all of their negative accounts in one letter. Another mistake is telling the credit bureaus that the balance on a paid off collection is wrong. A third mistake is sending out a dispute letter before you have cleaned up your personal identifying information. I could go on… but let’s look at this…
Here is a comment posted on one of my blog posts last week by a book reader named Darcy:
“Carolyn Warren is the best! I went from a 550 to 805 with all 3 bureaus within 6 months based on her simple but effective letter pack. Life changing. I now have over $150,000 in personal credit and I’m using that to leverage business credit. Worth every penny. FYI the book are a good read as well.”
Thank you, Darcy, for sharing your success with us!
If your credit is at a low point, grab onto hope! Darcy’s scores were at 550 and now they are top tier! With a score over 800, she has respect in all business arenas.
You can’t change the past, but you have control over your future. As we go through the holiday season, don’t throw your common sense out the window and over-spend.
The sacrifices you make today will pay off when you achieve good credit.
If you want the letter packet Darcy used, pick up a copy of Repair Your Credit Like the Pros, available in paperback and on Kindle at Amazon. The link for the letters is here.