There are 4 critical cornerstones of credit repair. If one is attempting to repair their credit and increase their credit scores, they must address all 4 of these critical areas.


Stage #1 of the credit restoration process, leverages a law known as the Fair Debt Collections Practices Act in conjunction with the Fair Credit Reporting Act. This stage involves sending letters directly to the creditors asking them to validate the debt.

Stage #1 is called Validation –
The primary law that you are leveraging in this step is the Fair Debt Collections Practices Act which came about in 1978.

Validation focuses on any outstanding debts you have on your credit report from Debt Buyers or Primary Debt Collection Agencies.  This step does not apply to 1st or 3rd party collectors.  1st party collectors are the original creditors and 3rd party debt collectors are simply hired to collect on behalf of the 1st party creditor.  This step DOES apply to collection agencies that have purchased the debt from the original creditor after they have been charged off which is usually once the debt becomes 180 days delinquent.…


In stage #2 of the fixing your credit process is called Investigation and it relies primarily on the Fair Credit Reporting Act (FCRA). This is the most common way that people learn about when researching the credit restoration or credit repair process. Unfortunately, it comes with it’s dangers and pitfalls.

Stage 2 s called Investigation –
The Primary Law you are leveraging in this step is the Fair Credit Reporting Act of 1970 and the updated Fair & Accurate Credit Transactions Act of 2003.

This step goes right to the 3 Consumer Reporting Agencies: Experian, Equifax & TransUnion.  I will refer to these agencies as the CRA’s going forward.…


Stage #3 of the credit repair process is one of the most powerful and effective ways to raise credit scores quickly. A key factor is that you must NOT jump the gun and move to stage three before completing stages 1 & 2…

Stage 3 of the credit restoration process is both daunting and powerful at the same time.

Now some people think that you can negotiate or even speak directly with the 3 CRA’s Equifax, Experian or TransUnion but they are virtually untouchable to consumers but keep in mind that they only report the data that is sent to them.

Negotiation must be done directly with creditors and collection agents which can definitely be an interesting experience if you don’t know what to expect.  You will specifically negotiate with creditors who have passed the validation test in Stage 1 of the credit restoration process and the investigation test in Stage 2.…


When working to increase credit scores you cannot simply focus on removing the bad items from your report. Good credit scores require good credit history so if you don’t have any good credit history you need to start building that history. The biggest mistake in this stage is to jump too quickly into starting new credit…

The final stage of the restoration process is called Construction. We call it construction because this is where you start building back your credit.

You cannot simply remove bad items from your credit file. The scoring models need something positive to look at. If you have less than 3 positive trade lines or accounts that have been reporting for at least 12 months, you should consider obtaining a pre-paid credit card as a start.…

It’s time to connect again!

We are approaching the dog days of summer and everyone is wondering what’s really going on in the market. Some are crazy busy while others are slowing down.

No matter what your current pipeline looks like, it’s safe to say that you will see a slow down between now and February. But you don’t have to! It’s very likely that sitting on your desk right now are 3 to 4 files that won’t go because of credit issues.

That’s where we come in!

Getting someone up to credit standards can take a little time but that will only help to feed your pipeline for the months to come.…

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