I DO MY CREDIT is an organization dedicated to helping people do a better job of spending, saving, and using credit more wisely.
I DO MY CREDIT, also known as, www.iDOMYCREDIT.com
In this modern world of charge cards and the wide availability of credit are many various businesses and organizations dedicated to collecting and reporting (to people who will pay for the information) data on our individual credit and debt repayment history. In the course of this activity, now highly automated with a nationwide network of reporting offices and subscribers plus millions of credit files on consumers and businesses alike, the right information can get into the wrong file and often still does.
It soon became apparent that this business of reporting credit history could stand a little fairness and Congress enacted The Fair Credit Reporting Act (FCRA) in April 1971 and an improved system has been in effect since October 1997. This established guidelines for credit bureaus, credit reporting agencies and creditors to follow in reporting our individual credit history.
The Fair and Accurate Credit Transactions Act (FACTA) is the name of the new law which amended and extended the FCRA.
Table of Contents:
Introduction - Major Features of FACTA
Answers to The Most Often asked Questions About Credit File Correction
About Credit Reports
How to Obtain a Copy Of Your Credit Report -Free Credit Reports Under FACTA
Major Credit Reporting Agencies in the United States-Credit File Request Addresses
Credit File Request Form
What to Look For on Credit Reports
Credit Inquiries and Your FICO Score
Improving Your FICO Score
Sample Credit Profile
Where to Write for Further Help
How to make Changes and Corrections on a Credit Report
SAMPLE LETTERS
Dispute Letter 1
Dispute Letter 2
Dispute Letter 3
Dispute Letter 4
Dispute Letter 5
Additional Credit Reference Letter 1
Additional Credit Reference Letter 2
Unauthorized Credit Report Inquiry Letter 1
Unauthorized Credit Report Inquiry Letter 2
Subscriber Information Request Letter
Letter to Close Account With Zero Balance
Example of a Consumer 100-word statement Letter 1
Example of a Consumer 100-word statement Letter 2
Government Agency Complaint Letter
Mail List Restriction Letter
Special Bonus Section: Help With the Credit Puzzle
The Importance of a Credit Rating
Credit Backgrounder
Things a Lender Will Require Before Extending Credit
Steps to Establishing Credit
Steps to Re-establishing Credit
Rules for Managing and Maintaining Credit
Check Approval Systems
Identity Theft
The 20th edition features a new option: a wallet sized CD Rom containing the sample letters that are printed in the Guide. There are many dispute letters, one for each of the three major credit reporting agencies, (Equifax, Experian and Trans Union) and letters for unauthorized credit inquiries, adding new credit references, and various opt-out letters from unwanted credit offers among others. It also features a redesigned front and back cover.
Included in the Guide is a listing of consumer credit rights, step-by-step instructions on how to correct mistakes, how to remove information belonging to another individual, and how to obtain free credit reports year round, a new right granted to consumers under FACTA.
Other helpful information in the Guide is about the credit scoring process and credit inquiries, help in obtaining first-time credit and what steps to take to boost credit scores and credit ratings. There is also a list of bureaus reporting on consumers who issued non-sufficient funds checks and failed to make them good plus their related fees such as ChexSystems, CheckRite and Telecheck.
"Help with the credit puzzle" includes the history of credit, useful steps one can take to avoid becoming a victim of credit and/or identity theft, plus steps to take to improve spending techniques and reduce indebtedness.
"The 'Do-It-Yourself Credit File Correction Guide' is the one-stop shopping guide for questions about your credit needs! This helpful book covers all the bases! I heartily recommend it," says Ask Mr. G. a/k/a Jim Garnett of Des Moines, IA. Over 75,000 copies of the Guide are now in use around the world by military financial counselors, credit and debt counselors, and ICFE Certified Credit Report Reviewers.
For more information about the 20th edition of the Do-It-Yourself Credit File Correction Guide, please contact us
