credit repair letters faq

What Type of Credit Dispute Letters Should You Send?

You should send dispute letters which are professional, sent out timely, and not be a standard letter which will not get the credit agencies attention!

The key to credit disputing are the letters! You MUST HAVE Great Proven Letters Available to Accomplish the Job of Removing Negative or Inaccurate Tradelines or Information from Your Credit Report!

We have put together a collection of 120 Credit Dispute Letters, Complaint Letters, and Instructions which are 100% Guaranteed to work. These ARE NOT form letters you can download from the Internet. These are letters we use to dispute our clients negative and adverse trade lines. These are the same dispute letters we sell and provide to our affiliate credit partners. These are the same credit dispute letters we have sold to new start up credit repair agencies that requires a wide variety of credit dispute letters to service their business needs. Our letters use the wording and threats the credit bureaus care about. We will give you letters and instructions that will make the credit bureaus remove items just because they do not want the problems of a civil suit.

1) Under section 15 U.S.C. § 1681s of the FCRA, a wronged party may collect $1000 for each willful or negligent act which results in the violation of the FCRA. Any person may file suit in local court to enforce the FCRA. We will show you how to use Credit Dispute Letters to make the credit bureau's remove items just because they don't want to go to small claims court and end up removing the disputed tradeline and paying you a CASH REWARD for their neglect!

Should I Hire a Law Firm to Send Dispute Letters and Repair My Credit? NO, Here's Why!

1) For the Most Part, these law firms don't care about your credit because you pay them monthly! Do they really want your credit to get better, and then they lose their monthly income by Rapidly Removing Trade Line Errors. This would not make any financial sense at all. They want to delay any credit repair as long as possible. They will try and string you along by getting an inquire removed. The average customer continues to pay this monthly fee for 6 months. In general, they are dispute mills that don't work!

2) You keep paying and get very little results and they send out generic credit dispute letters and keep taking your money.

3) The credit bureaus know these companies and get thousands of letters from them. This is bad for you, and the credit bureaus don't take your challenges seriously!

Do you have to be an expert to run a credit repair business or remove your own disputed items?
Absolutely not. 750 Credit Repair.Com gives you the ability to operate your credit repair business just like the large providers at a fraction of the cost. 750 Credit Repair.Com also offers extensive how-to's and credit repair and complaint letters. Our information deliver straight answers and easy to use forms.

What does it cost to start a credit repair business?
The initial start-up costs may vary. If your looking to simply work on your personal credit or if your looking to begin a new career in the credit repair industry, you easily can begin by simply purchasing one of our credit disputing packages. There may be additional costs if you choose to expand your business by incorporating, marketing, creating a web site, renting office space and other typical start-up costs. For example, we have clients that has purchased our package with the sole purpose of starting a home office or larger commercial office with the intentions of generating several thousands of dollars per month. Or like we said before you could simply be looking to make a small investment and start attacking your own personal credit report with the intentions of removing your negative or inaccurate items showing on your credit report.

What is bad credit?
When people talk about bad credit, what they mean is that they have an unfavorable credit rating or unfavorable items on their credit report that make it difficult and expensive to obtain new credit. Disputing items on a credit report is the fastest way to bounce back from bad credit or bankruptcy.

Is credit repair legal?
There is nothing illegal about disputing items on a credit report. In fact, the Fair Credit Reporting Act (FCRA) spells out legal rights and protocol for disputing items on a credit report. In addition, the Federal Fair Credit Billing Act (FCBA) allows the right to request broad amounts of information regarding billing and payment history. The Fair Debt Collection Practice Act (FDCPA) gives citizens rights and protections against the activities and duties of debt collectors.

How do you actually repair credit reports?
Using 750 Credit Repair.Com, you would enter in your or your client's information. 1) Select which items to include in the letter, select the letter template and Company the letter is going. 3) Print and mail the letter. You will then log the dispute letter for your records. 4) Then Wait! The Federal statute dictates an investigation must be completed. If the information is inaccurate, misleading or unverifiable it must be removed from your client's credit reports. Once you our your client receives updated credit reports from the bureau, log the results in your records and that's it. If you have multiple letters you have to send you would send all the letters out around the same time, and you will wait for a reply then if needed you will then send out the "next level" and escalation letters which will force then to prove why they are reporting this information against you. More times that none these letters will quickly force the bureau to remove the disputed trade line.

Can anyone run a credit repair business?
Yes. With the help and support of 750 Credit Repair, you have the ability to operate your credit repair business just like the large providers at a fraction of the costs and with better results.

Do I have to be an attorney to repair credit?
No.

How much money can I make?
As a commercial credit repair firm you have the potential to obtain an unlimited number of customers, prospects, affiliates and users. We serve all types of businesses, from home businesses to multi-million dollar enterprises. The Credit Repair Industry is a billion dollar market that is significantly untapped. With 96% of credit reports containing errors, the sky is the limit as to your income potential.

Is any training required to learn how to use your dispute letters?
Our dispute letters are designed to be easy to use and can be used immediately. Our customers find that using our letters and instructions are extremely intuitive and user-friendly. However, on-line and phone support is available.

How quickly can my company be up and running?
You can be up and running immediately.

How do I make my purchase?
Most users order online. The process is completely safe and secure. Additionally, if you prefer, you can also sign up with us over the phone. Sales and support representatives are available Monday through Friday 9:30 AM to 5:00 PM EST AT 1-888-675-7773.

Is Credit Disputing or Fighting for Your Good Name Legal?
Yes!

Are All Credit Dispute Letters the Same?
No!

IT IS OUR STATEMENT THAT LEGAL CPN IS NOT ENGAGING IN  ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS: A. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers;  B. Representing that the building of a new credit record by applying for credit using an EIN, a TIN, or an alternate social security number instead of a consumer's own social security number is legal; C. Misrepresenting any material fact concerning the ability of Defendant's products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and D. Misrepresenting any fact material to a consumer's decision to purchase Defendant's products or services. E. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Dun & Bradstreet Numbers ("DBNs"), Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; F. Representing that the building of a new credit record by applying for credit using a DBN, EIN, a TIN, or an alternate Social Security Number instead of a consumer's own Social Security Number is legal; G. Misrepresenting any material fact concerning the ability of defendant's products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and H. Misrepresenting any fact material to a consumer's decision to purchase defendant's products or services. We have found that its best to operate within the parameters of IRS and Business law and help consumers understand that Section 404(a)(2) of the Credit Repair Organizations Act; prohibits all persons from making any statement, or counseling or advising any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and non-obsolete to any consumer reporting agency as defined in 15 U.S.C. � 1681(f) or to any person who has extended credit to the consumer or to whom the consumer has applied or is applying for an extension of credit. 15 U.S.C. � 1679b(a)(2).

Furthermore: Pursuant to Section 410(b)(1) of the Credit Repair Organizations Act, 15 U.S.C. � 1679h(b)(1), any violation of any requirement or prohibition of the Credit Repair Organizations Act constitutes an unfair and deceptive act or practice in commerce in violation of Section 5(a) of the FTC Act, 15 U.S.C.� 45(a).

Legal CPN has posted this message in plain sight on the front page of our webpage so consumers can be aware "CPN's" are defined as any 9 digit number which can be used for credit; such as a SSN, ITIN, TIN, or EIN and it is very clear the largest warehouser of converted 9 digit government issued numbers; such as, ITIN, TIN, SSN, and EIN ARE IN FACT FOUND THROUGH OUT THE BANKING WORLD AND WITHIN THE BANKS DATABASE and ATTACHED TO CREDIT AND LOAN FOLDER LEGALLY ORIGINATED BY THESE SAME BANKS.

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Welcome to Legal CPN.Com The following User Agreement; in conjunction with Legal CPN.Com Contract Agreement; and  your written contract with Legal CPN.Com, describes the terms and conditions under which Legal CPN.Com offers you access to our services.  By using the services of Legal CPN.Com, you agree to the terms and conditions contained in this User Agreement, as well as those terms and conditions contained in your written contract with Legal CPN.Com.

Before you may become a subscriber of Legal CPN.Com, you must read and accept all of the terms and conditions in, and linked to, this User Agreement and the Privacy Policy. We strongly recommend that you read this User Agreement in its entirety. This Agreement is effective as of August 1, 2007, for current users, and upon acceptance for new users.

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