Pre-Qualify Now


$


$

$

Dear , here is  your FREE Report

Three Quick Tips For
Repairing Your Credit Report
By Markita Aldridge-Woods

Most of the major purchases we make through out our life will be affected by our credit scores, which will determine the prices we pay. Saving money and contributing to a comfortable retirement may be as easy as managing your credit wisely. Saving $33,000 on the average mortgage may be as simple as improving your credit score by 50 points. It's also likely that you'll find yourself paying higher rates for car loans and other types of credit so you could be looking at a rather large amount of money. Wouldn't it be amazing if you could put all of that money in a retirement fund?

The difficulty in fixing your credit depends on how low your credit rating has fallen. I suggest that you look into hiring a legitimate credit repair company if you are unable to spend the time or you can’t deal with collection agents yourself.
Three Tips for Repairing Your
Credit Report Quick

1) Designate your preference to not receive any credit bureau solicitations. Your information is sold to solicitors by credit bureaus without your permission.

The companies that buy your information are trying to get you to have even more credit card debt and are the ones that are sending you all those “fake” checks that are designed to trick you into thinking you are already “pre-approved”, or that somehow you are getting free money.

A little known fact is, the credit bureaus have to stop selling your private information if you tell them to. In fact, the credit bureaus automatic scoring system sees this as a responsible thing for you to do and actually raises your credit score when you contact them to tell them to stop selling your information. This raise you credit score 3-10 points in just a week by simply exercising your right to "opt out" of this practice.

The website to do this is located at: www.optoutprescreen.com

2) It is important that you review the information on your credit report on a regular basis, which requires that you get a copy of the report. The credit bureau report will be your blueprint if you are serious about cleaning up your credit.

It will cost you around $40 to receive a credit report that has all 3 bureaus and scores. There are a lot of companies that claim to give free credit reports, but only if you join their credit monitoring services that will cost you about $40.

Once you receive your credit report, you need to confirm that ALL of the debts reported by collection agencies belong to you. Since the credit bureaus must remove these by law, look for debts that are older than 7 years old, starting from the charge-off date. You need to dispute the debts with the credit bureau directly, not the collectors. The next thing that you need to do is check for duplicate collections, as many times when an agency sells your debt to another company they fail to remove their original report. To request removal of a debt from your report, you need to send a letter to the credit bureaus explaining why you are disputing the item.

3) Dispute ALL credit bureau debt - Dispute all negative remarks, late payments, and collections that appear, not with the collection agencies but with the 3 credit bureaus. You should clearly state that the debt is not yours, and request that the reporting agency prove that it is yours, or else remove it. This is no different than walking into a court of law and pleading “Not Guilty”. You have the absolute right to do this.

Remember when I suggest disputing all items, I mean every negative item whether real or not. An agency must let you know about the debt owed in a reasonable amount or time or they must remove the remark on your bureau in accordance with the law. The requests of the credit bureau are often not responded to because of the heavy work load of many collection agencies. If this is the case, the credit bureaus are required to remove the negative remarks whether they are legitimate or not.

Markita Aldridge-Woods, is a nationally recognized expert specializing in helping release clients from the “credit prison” that too many people find themselves in. When you or one of your friends finds yourself needing real answers and real solutions to credit issues, you can confidentially contact Markita at 703-497-3936 or at markita@weststarmortgage.com

Free Report Provided By:

Markita Aldridge-Woods
WestStar Mortgage
3350 Commission Ct.
Woodbridge, Virginia 22192

Phone: 703-497-3936
Fax: 703-991-5945

P.S. If you would like to get started now please click the following link or image below to fill out a Free No-Obligation Secure Online Application and we will contact you to schedule a free consultation to help you get the home of your dreams with the best terms available...regardless of your credit!

 

VIP Unlimited Site Access Pass

You are currently logged into the VIP area of our site. This allows you to view all of our valuable information for free. Please feel free to return as often as you like to access our free insider mortgage reports and to run mortgage scenarios on our various calculators. When returning, simply use your name and email address listed below as your VIP Access Code.

Name:
Email: