Legally Force Experian, TransUnion & Equifax To Remove All Of Your Negative Credit Items From Your Credit Reports.
By Doing So You’ll Save Hundreds of Dollars A Month For The Rest Of Your Life!
- Get Your Negative Credit Items Removed
There is a Legal Dispute Service that for the last 11 years has been forcing all 3 credit bureaus to remove every “
negative credit” item permanently from consumer credit reports. This also includes all negative credit items that are accurate and legitimate such as Foreclosures, Bankruptcy, Judgments, Repos, Late-Payments, Charge-Offs and Collections.
This sounded too good to be true so we contacted one of the agents for the
number one credit restoration law firms in the country to find out if they knew of and/or used any specific law to remove legitimate negative credit items from their clients credit reports. We were told that there was no such law that they were aware of. He told us that only false negative credit information or negative credit items that are ”incorrect” or are from ”invalid” accounts can get removed.
Removes All Negative Credit
He went on to tell us that his company helped their clients to remove legitimate negative credit items by negotiating with the creditor a payment settlement along with an agreement with them that they will remove the negative item from the report. That was the only way that he knew how to get legitimate negative credit items removed for their clients.
Can Negative Credit Really Get Removed
Without Paying Off The Creditor?
Next, we contacted the
Fair Isaac Company (FICO) which is the number one credit score that all major lenders use to determine the rate they will charge you and asked them what law allowed consumers to get any and all negative credit items removed from their credit reports. Their representative told us that there was no such law and what ever company told us that this was possible should be reported to the FTC. When we told them that there was a Legal Dispute Service that has been in business since 1999 and that we have been shown proof that they have helped over 157,000 consumers get the various credit bureaus to remove over 5 million negative credit items from their clients credit reports they said that they knew nothing about that and then hung up the phone.
How Did They Get Over 5 Million Negative Credit Items Removed?
If the #1 Credit Restoration Law Firm in the country and the #1 credit score generator in the country both say that there is no law that forces Credit Bureaus to remove negative credit items from consumer credit reports then how was this company able to get over 5 million negative credit items removed from their clients credit reports?
To get an answer to this question we interviewed the CEO of the legal dispute service and he told us that he spent over three years developing and perfecting the “Legal Dispute System” after one of his attorneys brought to his attention the legal definition of a few key terms used by Congress and written into
section 609 of the Fair Credit Reporting Act and the legal implications that these words would have if you took the credit bureaus to Court.
To make a long story short, he told me that after a lot of trial and error of sending letters back and forth to and from the credit bureaus he and his attorney found the “perfect legal language” to use and since then each and every time they used these “patented” letters to help one of their customers raise their credit scores to help them qualify for financing for a product, that they were selling, all of the negative credit items on their clients credit reports would always end up getting removed.
Why Isn’t This Common Knowledge?
When the legal dispute service gets negative credit removed the Credit Bureaus never acknowledge that they are removing it. They also never clarify in writing why they removed the items for the consumer. They just just remove all the negative credit items after they receive all of the legal dispute services letters. If they acknowleged it in writing that they were removing those negative credit items then they would be admitting they are doing something wrong and then the whole world would know how to get negative credit removed legally. They don’t want that.
Even though legal dispute service has gone through the identical process for over 157,000 consumers and succeeded in all of them the credit bureaus treat each case the same. They always respond to the first dispute letter with a form letter that basically says that they investigated the items disputed and they all were found to be valid so nothing was going to get removed. In almost every case it takes sending them multiple letters back and forth before the negative credit items get removed. But, they ALWAYS get removed!
The CEO of the Legal Dispute Service told us that the likely reason it takes multiple letters back and forth is because of the way that the credit bureaus are set up to deal with disputes. Credit bureaus get paid a lot of money by creditors to report negative credit items on consumer credit reports so they are not too happy when they are asked to remove stuff. Not only don’t they get paid for taking items off reports but it costs them a lot of money to process disputes so for the most part they use form letters irregardless of facts of the dispute that automatically deny the dispute.
The form letters the credit bureaus send you in response to the dispute insinuates that you are breaking the law by disputing these items and scare most consumers into abandoning their dispute. Most consumers stop the process after they receive the first response because they don’t understand their legal rights and or don’t know the proper language of the law to get the credit bureaus to do what the law requires them to do.
The letters used by the Legal Dispute Service know how to deal with the credit bureaus denial form letters and even though it takes 3 or 4 letters over 2 or 3 or more months the legal dispute service letters get the negative credit items removed from your credit report each and every time. They have solid proof on file proving their legal dispute letters work.
Over 5 Million Negative Credit Deletions On File!
The
“SECRET” of why the legal dispute letters
REMOVE NEGATIVE CREDIT from your credit report is a simple proven fact that the …
“Credit Bureaus Don’t Have The ‘Verifiable Proof’ Required by Law That Allows Them to Report Negative Credit on Your Credit Report”
Unfortunately, the Credit Bureaus DO NOT comply with the law unless they are FORCED to do so. And since they never acknowledge in writing why they are removing the negative credit items when they finally remove the items they are able to keep everybody in the dark on what they are allowed and or not allowed to do.
“Negative Credit” Hurts You!
Has Negative Credit Stopped You From …Buying a home, Buying a car, Getting a Job or a Promotion, Getting a low interest loan, Getting a credit card?
It Won’t Any More … You’ll Never Be Denied Again
If You Use The Legal Dispute Service To Get Your Negative Credit Removed YOU can get any type of negative credit removed no matter how bad, how many there are or how recent the negative credit item is. Every single negative credit item will get removed including …
Foreclosures, Bankruptcies, Judgments, Late Payments,
Charge-Offs, Repos, and Collections.
All of these negative credit items will be GONE permanently! Once REMOVED Negative Credit Items Can Not Be Put Back On Your Report. The LAW also states that once your negative credit items are removed or changed they can not be re-reported without the Credit Bureau getting a fine of $1,000 per item for reporting information when the Credit Reporting Agency knows they do not have verifiable documentation … It’s the law.
Negative Credit
Costs YOU Thousands Of Dollars A Year!
Negative Credit increases your car & homeowners insurance costs. Negative Credit increases your mortgage interest rates and your monthly mortgage payments by hundreds of dollars a month. Negative Credit increases the interest rates you pay on all of your credit cards. Your car payments could end up being $100-$400 / month more when you have a negative credit score. Many people cannot maintain their required security clearance or a professional license if their credit score is low which means they lose their means to earn a living. A bad credit score may also prevent you from getting a job promotion or even from getting hired in the first place.
You can have all of your “Negative Credit” removed. Every Single “Negative” item removed and here’s the EXCITING NEWS! There is a company that will provide this service to you for FREE.
The “FREE” Negative Credit Disputing Service is A One Year Process With Results In As Little as 60 Days!
Once all of your negative credit has been removed from your credit reports for you then you can STOP having to pay HIGH INTEREST RATES for car loans, mortgages and credit cards. NEVER get turned down for a loan or credit card again for having negative credit.
You can gain access to the facts on how to get all of the negative credit removed for you for free! You can download this LIFE CHANGING information in the next two minutes. It also is 100% FREE.
Get The Facts … Request a “FREE GUIDE” titled: “How To Get All Bad Credit Removed From Your Credit Report”. This free guide will also show you how you can get this done for you for free …
Click on the “GET INSTANT ACCESS” BUTTON” below then Simply fill in your name and e-Mail address and we’ll e-Mail you the link that will allow you to download this Free Guide IMMEDIATELY!
IMPORTANT: Once all of your negative credit items are removed the average family will SAVE over $500 a month on all of their monthly payment obligations. Some families in NY and CA save more than $2,000 a month in lower car and mortgage payments alone once all of their negative credit items are removed. Get all of your Negative Credit removed today!
Tags: bad credit, Credit Repair, Credit Restoration, loophole, Negative Credit, section 609
