Clean Up Your Credit!: A Black Ops Guide to Credit Repair and Restoration

Clean Up Your Credit!: A Black Ops Guide to Credit Repair and Restoration

by Richard Mansfield
Clean Up Your Credit!: A Black Ops Guide to Credit Repair and Restoration

Clean Up Your Credit!: A Black Ops Guide to Credit Repair and Restoration

by Richard Mansfield


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Bad things happen to good people. Events not always under our control can often result in our credit scores going down, and sometimes way, way down. There are consumer protection laws that you can use to remove negative items from your credit report,. Because of a quirk in the law you can, as the author did, remove items that really are yours. But if you try to go it alone, the credit repair journey can be a nightmare. This book introduces a step-by-step credit repair system, actulal documents the author used to settle suits, and legal cases filed in federal courts against major credit bureaus. These are the credit repair secrets they really don’t want to you to know, from someone who successfully challenged the credit reporting industry. Contrary to what you may believe, there is a way to improve your credit score substantially, and this book will help you get there.The author was a vice president at Guardian Bank in charge of the collection department and went on to start a collection agency. After selling the agency he became a credit restoration coach. To prove what he knew in theory could in fact be done, he stopped paying everything: repossession, foreclosure, medical bills, student loans, and credit cards. He even filed for bankruptcy. His credit score went from over 800 down to 461. He had it back to 742 in five months. Mr. Mansfield walks you through every step of the credit restoration process. As a bonus, when you purchase the book there’s information on how to contact Mr. Mansfield directly! There is no other credit restoration book like this.

Product Details

ISBN-13: 9781493064014
Publisher: Rowman & Littlefield Publishers, Inc.
Publication date: 05/15/2022
Pages: 184
Sales rank: 222,325
Product dimensions: 10.80(w) x 8.40(h) x 0.60(d)

About the Author

RJ Mansfield is a credit repair coach who has helped hundreds of clients improve their credit scores. He lives in Chandler, AZ.

Table of Contents

Preface xi

Common Words, Acronyms, and Abbreviations xiii

Chapter 1 Who Is "The Debt Assassin"? 1

Chapter 2 DIY Credit Rehabilitation and Restoration 7

Chapter 3 How to Establish Credit 17

Chapter 4 Reestablishing Credit After Bankruptcy 23

Chapter 5 Increase Your Credit Score 37

Chapter 6 Removing Negative Information: Disputes Will Repair Your Credit Report 41

Chapter 7 What's a Credit Score and How Does It Differ from a Credit Report? 61

Chapter 8 How Long Does Bad Credit Stay on Your Record? Judgments, Bankruptcy, Delinquencies, and More 65

Chapter 9 Obtaining Reports and Scores 69

Chapter 10 Understanding Your Credit Report 73

Chapter 11 Common Questions Concerning Credit Reports 79

Chapter 12 Consumer Protection Laws 83

Chapter 13 Medical Bills-What You Know and When You Know It Makes All the Difference 87

Chapter 14 Bureaus That Track Prescription Drugs, Employment History, Insurance Claims, Gambling Habits, and More 93

Chapter 15 Authorized User 95

Chapter 16 The HOA Nightmare 97

Chapter 17 The Student Loan Horror Story 99

Chapter 18 Now You Can't Say, "If I Only Knew." 101

Chapter 19 How to Start a Lawsuit on Your Own: Filing a Complaint Then Serving the Summons 111

Chapter 20 Repossessions and Some Other Things to Consider 115

Chapter 21 Collection Agencies 125

Chapter 22 Different Types of Collection Agencies (CAs), Different Types of Settlements, How and When to Negotiate a Settlement 129

Appendix 131

More PROOF: What, How, and Why I Did It 131

Big Brother Is Watching-Three Credit Bureaus You Know, and Forty You Probably Never Heard Of 140

Cheat Sheet for Common FDCPA Violations 145

Instructions for Using the Letters 146

Dispute Letter to Be Sent to Credit Bureaus 149

Follow-Up Dispute Letter to the Credit Bureau 151

Incorrect Address Removal 152

Authorized User Removal 153

Public Record Removal Including but Not Limited to Judgments and Tax Liens 154

ChexSystems 155

Removal Foreclosure and Short Sale (First Letter) 156

Removal Foreclosure and Short Sale (Second Letter) 157

Fraudulent Account Removal with the Credit Bureau 158

Fraudulent Account Removal with the Original Creditor 159

Public Records Judgment / Tax Lien / Bankruptcy 160

Medical Billing Dispute to Be Sent to the Hospital and/or Doctor 161

Medical Billing Dispute to Be Sent to the Credit Bureau or Collection Agency 162

Original Creditor Billing Error 163

Too Old to Be Reported: They Must Remove This 164

Wrong Social Security Number or Commingling of Your Accounts with Another Person 165

Student Loan Removal Letter 166

Student Loan Removal Second Letter 167

Debt Validation Letter (Referred to as DVL) 168

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