DIY Credit Repair

Ways to Outsmart Credit Bureau

Do It Yourself credit repair is as easy as 1…2…3… Things law firm and debt consolidation companies don’t want you to know and they charge $1,500 to $2,000 for the same information.

There are many ways to outsmarting the credit bureaus. Iam In no way instructing any one to practice this method, it’s for education purpose only. But I thought I would share it with you because it’s simple, clever technique at least one individual used to repair his entire credit report. As a child, do you recall forging your mom or dad signature on report card or doctor excuse for school? Well, it is almost like that in a sense. You simply send the credit card company certain boges information so that the company will respond to you in writing. Once you have a copy of the company’s letter head, you cut and paste your information so it look like the letter was addressed to you.

Make up a name or social security number, and using your own address contact the creditor. They will respond with a letter on their own letter head. Your next step is very easy. Replace the name, SSN and other relevant information with your own.

After, you have scanned or cut and paste all of this new information, send a copy of the new letter to the three major credit bureaus at:

• Equifax information services,LLC

• Experian Nacional consumer assistance center
• TransUnion consumer relations

They Will automatically delete they accounts from your credit file without questioning or verification from the creditor. Why don’t they verify, you may be asking? There are more than two hundred million credit files in the credit bureaus data system. Do you think they have time to verify information on each file or every dispute?

The verification process used by the credit bureaus and creditors is done by way of E-05CAR. That means there is a number code being used to verify information.

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