"Improve Your Credit, Improve Your Life"

Credit Education

Learning about your credit and how it affects many aspects of your life is the first step towards improving it.

Getting the straight facts about credit restoration and the credit industry as a whole can be a daunting task. There is a lot of misinformation about credit and many people are under the impression that there is nothing they can do to fix their bad credit therefore leaving them to suffer the costly repercussions of less than perfect credit. We are here to educate you on how to restore your existing credit and obtain new credit so that you can get your life back on track and enjoy the same advantages as those with great credit! Our goal is not only to help you improve your credit score but to educate you how to maintain it as well.


Please feel free to download any of the following complimentary resources. You will find items to assist you with your own credit repair, especially to remove public records, books that will guide you through the process of suing collectors when you get to the point where you feel you need to take legal action. There is also a book to assist you if you are in an impending foreclosure situation. This will lead you to a totally different site. If you join that site, you will get access to tons of education and documents that help you stop the foreclosure, get your house back to you, and even fight back if your home has already been lost to foreclosure. Enjoy!

Court Clerk Letter
Use this letter to prove to the bureaus that the court didn’t furnish the public record nor do they verify. Send to court, send copies of the response with your bureau disputes.

County Recorder Letter
Use this letter to prove to the bureaus that the county recorder didn’t furnish the tax lien(s) nor do they verify. Send to county recorder, then send copies of the response with your bureau disputes.

FTC Staff Opinion Letter – public records
FTC staff attorney publicly exposes the bureaus for publishing inaccurate public record information

Notarized Address and Personal Info Removal
This letter is used to remove addresses tied to public records. It makes it more likely to get your public records deleted.

FOIA Response Letter
This letter from the IRS clearly proves tax liens are confidential taxpayer information and it is illegal for them to be on credit reports without authorization from the consumer.

CDIA Brief – No Tickets onCRA’s
Consumer Data Industry Association describes benefits of the new National Consumer Assistance Plan. 1 benefit is tickets and other government accounts that are not contracted, no longer are allowed on credit reports.

Take Creditors and Collectors to Small Claims Court – ebook
This short ebook describes how to know when it is time to sue creditors, collectors, and bureaus in small claims court and describes the process and guides you through it, including getting a settlement from them outside of court for their violations.

Poor Man’s Class Action Lawsuit (small claims court) – ebook
Another ebook about how to sue in small claims court.  Gives you the laws that they are violating, a copy of the FCRA and sample letters and court documents to use for your lawsuit, as well as a settlement letter example.

Foreclosure Defense Handbook – ebook
This ebook will clearly show how every foreclosure is fraudulent. Informs you of your rights, and gives a bit of guidance if you want to take on the fight against your “lender.”

Opt Out form/info for CRA’s
Stop the credit bureaus from selling your information. This cuts into their profits and seems to assist in items being removed from your credit reports since there is no incentive for them to make money off of your information.

Mistakes do happen...

Mistakes on your credit report are more common than you think; research conducted by US Public Information Research Group US PIRG, Washington, D.C. finds that:

TWENTY-NINE PERCENT (29%) of credit reports contain serious errors, false delinquencies, or accounts that did not belong to the consumer.

FORTY-ONE PERCENT (41%) of credit reports contain demographic information that was misspelled, outdated or incorrect.

TWENTY PERCENT (20%) of credit reports were missing major credit, loan, mortgage or other information to demonstrate the credit worthiness of the consumer.

TWENTY-SIX PERCENT (26%) of credit reports contain accounts that were closed by the consumer but incorrectly listed as open (or) “closed by credit granter”.

SEVENTY PERCENT (70%) of credit reports overall contain errors or mistakes.

It makes sense to ensure that all information is current and completely accurate. It’s you who pays for mistakes on your credit reports.

When a credit report contains errors, it is often because the report is incomplete, or contains information about someone else. This typically happens because:

  • The person applied for credit under different names (e.g. Robert Jones, Bob Jones, etc.).
  • Someone made a clerical error in reading or entering name or address information from a hand-written application.
  • The person gave an inaccurate Social Security number, or the number was misread by the lender.
  • Loan or credit card payments were inadvertently applied to the wrong account.

Did you know?......

Closing out accounts in good standing actually hinders your credit scores and will not help you during the rebuilding process.

Why Credit Matters

Like it or not, credit is a necessity and your credit affects every part of your financial life.

On average, consumers with less than perfect credit will end up paying 30%-40% more per month in higher interest rates if indeed you are able to get financed at all. In the long run this can cost you tens of thousands of dollars or even hundreds of thousands of dollars over the term of a 30 year mortgage. Also, it’s important to understand that poor credit may hinder future employment opportunities as well as your ability to rent an apartment, purchase a vehicle, obtain a credit card, qualify for insurance etc…

What are the Benefits of Good Credit?

A healthy credit score of 700 or above can help you qualify for low interest rates on home loans,  car loans and credit cards. If you are considered to have a good or excellent credit rating then you can save tens of thousands of dollars or even hundreds of thousands of dollars over the life of your loan.

Benefits of good credit include:

Quick credit approval

Lower interest rates

Refinance current loans for lower interest rates

Get better credit card, auto loan, and mortgage offers

Better employment opportunities

Better insurance rates

Rental approval

Reduced deposits for utilities