How to Fix Your Credit in 45 Days, or less

Ring-ring, or beep-beep . . . you pick up the phone and the nasally voice starts to explain to you that they are a collection agent, and you’re going to be in big fat trouble if you don’t pay this debt! That’s right, you just got the collection call. It might not be the first one, and it’s certainly not the last. What are your options? Dispute the debt using the 5-step process, which we will teach you (The best approach!) Send a “Cease and Desist Letter” (Appropriate for badgering Collections agents) As for a “Pay for Delete” (An option if you’re up against a wall) Make a Settlement Offer (Only as a last resort) Pay the debt in full (No way!) What you are about to read is the process (5-step) which you will be able to use in order to clear up a substantial amount, if not all of, your credit history in a period of 30-45 days. Don’t read this first chapter and start sending out letters and calling creditors. We’ve placed the process here to give you a framework for what you will be doing. Please, continue reading the other chapters as they tell you why and how all of this works . . . and it does work! THE LAW: Only you can fix your credit. Third parties can assist you, but you must be the one contacting the bureaus. You may take on a legal firm, or Credit repair assistance, but in those cases you must give “Power of Attorney” to those individuals to act on your behalf.