The Unethical Way to Raise Your Credit Score By 200 Points in 60 Days

Published: 24th September 2010
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These Tips were taught to me in 2009 while I attended a seminar on credit repair. Ok no more small talk the only way I know how to raise you credit score by 200 points like I did (right after my third time of filing bankruptcy) in 60 days is as follows.

1) Get a copy of your latest credit report, no more than 60 days old.

2) Write all three credit bureau by certified mail only and challenge everything negative on your credit report even if it is reporting correctly, just say it's the wrong account number or it's been paid in full already. Including liens, bankruptcies, and inquires. It must be certified they only respect letters that are certified. Do not do any of this online, because if you do they will have 45 days to complete their investigation rather than the 30 days.

Your letter should look something like this:

Your Name
address
city,state,and zip
telephone number

Attention: Experian
P. O. Box 9595
Allen, TX 75013-9595

Dear Experian

This letter is a formal request to correct inaccurate information contained
in my credit file. The items listed below are completely inaccurate,erroneous,
misleading, and outdated.

I have seen a copy of the credit report your organization provided to me on
(today's date) and listed in question.

Company Name: Collection
Account # 12354XXXX
This account was paid in full and was not included in a BANKRUPTCY, please
let this record show that they were paid in full before going into collections.

Company Name: Bank A
Account # 38741720XXXX
This was paid in full and never went into collections or was it ever charged off.
Please correct this to show paid in full and never going into collections, or
remove this item based on account being closed in 2002 when it was paid in full.
As you know, the FCRA states that all credit older than 7 years should be removed
from my report.

Company Name: Bank 1
Account # 3786XXXX
This account was paid before going into collections, pleased change the payment
status to Current

Company Name: Credit Card
Account # 63850XXXX
This account was paid before going into collections, pleased change the payment
status to Current.

Company Name: Credit Card 2
Account # 3235XXXX
This account was paid before going into collections, pleased change the payment
status to Current

Company Name: Repo
Account # 654XXXX
This account was paid before going into collections, pleased change the payment
status to Current

Company Name: Bank 3
Account # 355343XXXX
This account was paid before going into collections, pleased change the payment
status to Current

Company Name: Bank 4
Account # 7657XXX
This was paid in full and never went into collections or was it ever charged off.
Please correct this to show Current and never going into collections.

Company Name: Credit Card 4
Account # 7837XXXX
This was paid in full and never went into collections or was it ever charged off.
Please correct this to show Current and never going into collections.

Company Name: Credit Card 5
Account # ryt4hh3XXXX
This was paid in full and never went into collections or was it ever charged off.
Please correct this to show Current and never going into collections.

Chapter 13 Bankruptcy
Case Number # 5yr5344LS
Please remove this from my file I have never filed Chapter 13 Bankruptcy

In addition, there are a number of erroneous credit inquiries on my record as well.
The following inquiries should be removed:

Company Name: KOHLS/CHASE
Date: 03/06/2010

Company Name: KOHLS/CHASE
Date: 02/14/2010

Company Name: UNITED CONSUMER FINL S
Date: 05/15/2009

Company Name: RESIDENTCHECK.COM
Date: 11/25/2008

In accordance with the federal Fair Credit Reporting Act (FCRA), I respectfully
request you investigate my claim and, if after your investigation, you find my claim
to be valid and accurate, I request that you immediately delete, update, or correct
the item.

Furthermore, I request that you supply a corrected copy of my credit profile to me.
Additionally, please provide me with the name, address, and telephone number of each
credit grantor or other subscriber that you provided a copy of my credit report too
within the past six months.

If your investigation shows the information to be accurate, I respectfully request
that you forward to me a description of the procedure used to determine the accuracy
and completeness of the item in question within 15 days of the completion of your
re-investigation as required by the Fair Credit Reporting Act.

I thank you for your consideration and cooperation. If you have any questions
concerning this matter.

Sincerely,

your signature

2) Know this the company's that are reporting to the credit bureau, have only 30 days to report their findings back to the credit bureau, often they will not do this because the account was sold to another company, or they just do not have the manpower to do this step. So this is why you must tell the credit bureau exactly what you want, delete or current. Otherwise the credit bureau will often just report "Account in dispute by subscriber" and leave the report as is.

3) You must write and send a certified letter every two weeks until your credit report looks right and your credit score goes up to or above 650 on all three reports. Second letter should look like the one I used below listing all accounts again. This is the one that matters more because 91% of the people that complain about something on their credit report will only write one time. this simple letter puts you in the top 9% and they will make some changes on the report that will benefit you.

Second letter looks like this:

Your Name
123 Your Street Address
Your City, ST 01234

Credit Bureau
Credit Bureau Address
Some City, Any State 56789

Date:

RE: Dispute Letter of Date you sent in first or subsequent requests

Dear Credit Bureau,

This letter is formal notice that you have failed to respond to my dispute letter of date. I sent this letter registered mail and.

As you are well aware, federal law requires you to respond within 30 days. It has now been close to that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.

I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible.

The following information therefore needs to be deleted from the report as soon as possible:

Company Name: bank loan
Account # 2226441720XXXX
Please delete this erroneous item from my credit report as soon as possible.

Company Name: collection
Account# 22264417XXXX
Please delete this erroneous item from my credit report as soon as possible.

Company Name: Collection (491YC00000)
Account# 1085745XXXX
Please delete this erroneous item from my credit report as soon as possible.

Company Name: Collection (496YC00000)
Account# 1708XXXX
Please delete this erroneous item from my credit report as soon as possible.

Company Name: Collection (496YC00000)
Account# 1248XXXX
Please delete this erroneous item from my credit report as soon as possible.

Company Name: Collection (496YC00000)
Account# 1996XXXX
Please delete this erroneous item from my credit report as soon as possible.

Company Name: Collection (905YC00000)
Account # 2160XXXX
Please delete this erroneous item from my credit report as soon as possible.

Sincerely,

your signature

Your Name
SSN# 123-45-6789

4) Know this after the second letter they will make to keep you from writing over and over, such as if company A tells the bureau you owe them $10,000.00 and you are late and have not paid in 18 months. The bureau will often mark the account as being current, after the second letter you will have the most things coming off the report.

5) You must tell the credit bureau what you want your report to say, so make sure you tell them to delete the items you want deleted, or tell them you want the item to say current, paid in full,ect.

6) Your 3rd letter should be sent out after about 4 - 5 weeks after the first letter, you will by now see some to plenty of changes on your report. It it important not ask the credit bureau to remove stuff that was already removed so be sure not to send the third letter until you received a letter from them telling you about your updated items. Or just go online and get a new credit report, at this point you will not have as many things on your report you had when you started. Your third letter should look like like the one I used below:

Your Name
123 Your Street Address
Your City, ST 01234

The Credit Bureau
Bureau Address
Anytown, State 56789

Date

Dear Credit Bureau,

This letter is a formal complaint that you are reporting inaccurate credit information.

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a home, which was highly embarrassing and has negatively impacted my lifestyle.

The following information therefore needs to be verified and deleted from the report as soon as possible:

Company Name: Collection (491YC00000)
Account# 1085745XXXX
Please delete the above information as quickly as possible.

Company Name: Collection (496YC00000)
Account# 1708XXXX
Please delete the above information as quickly as possible.

Company Name: Collection (496YC00000)
Account# 1248XXXX
Please delete the above information as quickly as possible.

Company Name: Collection (496YC00000)
Account# 1996XXXX
Please delete the above information as quickly as possible.

Company Name: Collection (905YC00000)
Account # 2160XXXX
Please delete the above information as quickly as possible.

CREDITOR AGENCY, acct. 123-34567-ABC

Please delete the above information as quickly as possible.

Sincerely,

your signature

Your Name
SSN# 123-45-6789

7) Your 4 letter should be a repeat of your first letter and this should go out two weeks after you last letter.


Just wanted to share my personal experience with bad credit , and let the next person know that there is a fast way out of any financial mess. Regardless of what it looks like it can be repaired, mine credit went from average score of 420 to 670 in 56 days doing just what I stated above.

Dale Dupree

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