Help My Credit Score

How We Do It     To give you a general idea of just a few things we do that gets results, here is a point by point checklist that covers the basics to raise your score: Derogatory items that are in error that you have proof of , a letter that says explicitly "this item will be deleted" on the creditors letterhead and HAS to be signed (if they say they cant, its against the law and they HAVE to sign it). Items that are reporting derogatory but are duplicated on your reports . Also, it may report the same account with two different results say a late payment on one account and then another reporting of the same account with a charge off status. Only one is legally allowed to be reported but unless someone doesn't point it out to them they let it slide. If the item is totally false then both ahve to be deleted immediately. Balances not reported correctly . If your report shows you were recently over your limit your score drops incredibly. checking to make sure your balances show as low as possible helps get your scores up If you are over your limits or close and have extra cash, pay down your debt and immediately dispute the accounts. DON'T close unused accounts, even if a typical loan person tells you to .  Why? they are guessing and unless they have had a career in analyzing the credit score matrix they are hurting you. You need to keep a certain amount of accounts open and you never close your oldest account because it affects your "depth" part of their equation. Make sure accounts that were recently paid off are showing paid off . Sometimes it takes months till a loan shows on all 3 reports its paid off so don't assume its paid till you see its showing paid. Pay accounts that aren't yours if they show negative on your report . DON'T close unused accounts, even if a typical loan person tells you to .  Why? they are guessing and unless they have had a career in analyzing the credit score matrix they are hurting you. You need to keep a certain amount of accounts open and you never close your oldest account because it affects your "depth" part of their equation. Make sure accounts that were recently paid off are showing paid off . Sometimes it takes months till a loan shows on all 3 reports its paid off so don't assume its paid till you see its showing paid. Pay accounts that aren't yours if they show negative on your report .     They are used to using the laws they (creditors, collectors and credit bureaus) neglect , abuse and improperly use against you. Creditors, collection agencies,                    To give you a general idea of just a few things we do that gets results, here is a point by point checklist that covers the basics to raise your score: Derogatory items that are in error that you have proof of , a letter that says explicitly "this item will be deleted" on the creditors letterhead and HAS to be signed (if they say they cant, its against the law and they HAVE to sign it). Items that are reporting derogatory but are duplicated on your reports . Also, it may report the same account with two different results say a late payment on one account and then another reporting of the same account with a charge off status. Only one is legally allowed to be reported but unless someone doesn't point it out to them they let it slide. If the item is totally false then both ahve to be deleted immediately. Balances not reported correctly . If your report shows you were recently over your limit your score drops incredibly. checking to make sure your balances show as low as possible helps get your scores up If you are over your limits or close and have extra cash, pay down your debt and immediately dispute the accounts. DON'T close unused accounts, even if a typical loan person tells you to .  Why? they are guessing and unless they have had a career in analyzing the credit score matrix they are hurting you. You need to keep a certain amount of accounts open and you never close your oldest account because it affects your "depth" part of their equation. Make sure accounts that were recently paid off are showing paid off . Sometimes it takes months till a loan shows on all 3 reports its paid off so don't assume its paid till you see its showing paid. Pay accounts that aren't yours if they show negative on your report . This last one I know you are going "WHAT?" Well by negotiating with the creditor that owns it and having it deleted under a "no conteste" rule you get it off your report and save yourself having to pay higher rates and fees on your mortgage because of sticking with the lower score . Otherwise it would take too long to dispute using regular channels because you need your loan to close in the next few weeks. The rule? if it is less to pay it than pay the price in higher interest and fees the bad item on your credit report is causing then pay it and fight it later(in some cases you can sue the creditor in small claims court to get your money back AND collect over $1000 in damages for errors they made on your reports). So whatever the cost of the item or even more depending on how bad its affecting your approval..........then pay it IF you get a deletion letter and put your ego aside to make money. Remember these are examples and we cover more than just these areas. NOW ON TO WHAT WE DO WHEN YOU SIGN UP AND WHAT YOUR OBLIGATIONS ARE UNDER THIS CONTRACT: After enrolling in our service you will fax us current copies of your credit reports and financial information important that relate to improving your buying power  , we'll show you how to get them instantly, indicating which items you consider inaccurate, misleading, or unverifiable. HelpMyCreditScore.com will dispute those items. We will also contact you lender to make sure you are looking in your best light to them. Once the credit bureaus have processed your first round of disputes, they will send you updated copies of your credit reports. Additionally; creditors ,other banks, trusts, insurance companies and other appropriate entities that affect your loan financial protfolio will send correspondence to you as well. Simply forward the updated reports to us and include any other correspondence you receive from them. Whenever we receive your updated reports, we will document the progress and initiate the next round of disputes, thus gradually working through the entire list of negative items on your credit reports. Please note that we will generally not dispute all negative items simultaneously. Doing so would raise flags with the credit bureaus who monitor dispute letters to determine which ones they can ignore by exploiting loopholes in the Fair Credit Reporting Act (see FCRA for more information).One such loophole allows the credit bureaus to deem a dispute letter "frivolous or irrelevant", effectively giving them the right to ignore the request and stall the dispute process indefinitely. This loophole stops many legitimate items from being investigated, we make sure you don't get caught in that trap! Our expert knowledge in how to draft dispute letters that can pass the credit bureaus' screening process is just one of the many competitive advantages we maintain . The difference between Us and most companies that offer similar or less expensive services is that we combine the a more advanced system that combines paper and personal touch strategies that no company or "law firm" type companies offer.   Cras tellus tortor Cras tellus tortor Cras tellus tortor Cras tellus tortor, suscipit vel, nonummy quis, vulputate ut, urna. Ut id est id urna imperdiet congue. Ut alique Cras tellus tortor, suscipit vel, nonummy quis, vulputate ut, urna. Ut id est id urna imperdiet congue. Ut alique Cras tellus tortor, suscipit vel, nonummy quis, vulputate ut, urna. Ut id est id urna imperdiet congue. Ut alique Cras tellus tortor, suscipit vel, nonummy quis, vulputate ut, urna. Ut id est id urna imperdiet congue. Ut alique Cras tellus tortor, suscipit vel, nonummy quis, vulputate ut, urna. Ut id est id urna imperdiet congue. Ut alique Cras tellus tortor, suscipit vel, nonummy quis, vulputate ut, urna. Ut id est id urna imperdiet congue. Ut alique   OUR team has extensive knowledge on handling credit bureaus, creditors, credit bureaus, and collectors. They are used to using the laws they (creditors, collectors and credit bureaus) neglect , abuse and improperly use against you. Creditors, collection agencies, and credit bureaus not used to firm like us representing you and having it turned on them.  Other companies like ours do not give you direct support to stop the calls and letters, to learn and use the laws that were written to protect you and get items off . The laws are clearly stated the that the burden of proof are on them NOT YOU.  They hang up on us, and change from being pompous and abusive to very very humble when they are facing civil code violations and fined when we help our clients take them to court. OUR team has extensive knowledge on handling credit bureaus, creditors, credit bureaus, and collectors. They are used to using the laws they (creditors, collectors and credit bureaus) neglect , abuse and improperly use against you. Creditors, collection agencies, and credit bureaus not used to firm like us representing you and having it turned on them.  Other companies like ours do not give you direct support to stop the calls and letters, to learn and use the laws that were written to protect you and get items off . The laws are clearly stated the that the burden of proof are on them NOT YOU.  They hang up on us, and change from being pompous and abusive to very very humble when they are facing civil code violations and fined when we help our clients take them to court.  OUR team has extensive knowledge on handling credit bureaus, creditors, credit bureaus, and collectors. They are used to using the laws they (creditors, collectors and credit bureaus) neglect , abuse and improperly use against you. Creditors, collection agencies, and credit bureaus not used to firm like us representing you and having it turned on them.  Other companies like ours do not give you direct support to stop the calls and letters, to learn and use the laws that were written to protect you and get items off . The laws are clearly stated the that the burden of proof are on them NOT YOU.  They hang up on us, and change from being pompous and abusive to very very humble when they are facing civil code violations and fined when we help our clients take them to court. Updates from all entities are required to be sent by law by 30 days. Sometimes you will not recieve anything. We need to know that so we can send a "non response" communication. Since we wont be getting the results of our work YOU have to communicate to us what is happeing. Since our service is email based you need to contact us every 30 days to let us know how things are going even if you don't get anything! Call anytime but we must have an email from you every thirty days. This lets us know what information you may have gotten that we don't know about. This way our disputes are pinpoint during the next round. If you don't do this our agreement is void. We are not a credit repair company. They send form letters, doing little to all the factors that will improve your likelyhood of getting approved by a lender.  We do a complete finance makeover analysis and a part of your contract with us is we will stop creditor harassement with ceast and desist/debt validation letters, review and get resolved the "catch-22" issues of mistakes you can't get cleared. We will consult on making your finances easier to understand how the lenders see you and we will submit tips on how you can make your financial position stronger to a loan officer. Basically we help stop the pressure surrounding your financial stature.  For those that have great credit but low scores we will go by the same book and get items that you can get deleted off that you might not imagine and implement other techniques that will raise your score quicker . Guarantee terms- We offer a guarantee but it is under the premise of your complete compliance of the above during the time it takes to get the work done. If you do not fulfill your part or the information you provided is not correct or the other parties have not complied with federal law then you will hold us harmless. Furthermore you agree that any refund request has to be in writing to us directly first. We have 30 days to review and respond. If we feel your case merits a refund it will be minus an administrative fee of $100.  If we feel your claim does not warrant a refund and we both are at an impasse then we both agree to binding arbitration as our sole remedy. Canceling payment in any form is considered litigious and applicable to court action and you agree to pay our legal fess to pursue our rights even if later we are ordered through arbitration to give any portion back. Arbitration will be handled by the American Arbitration Counsel in Wilmington, DE. By making payment you acknowledge you are entering into a contract for personal lifestyle consulting and agree to the terms and conditions above .   Nail Soup Media Inc. - © 1994-2003 All Rights Reserved and any/all articles used without written permission is prohibited. .