Bad credit repair demands a game plan! Beware blindly firing off “magic” dispute or debt validation letters guaranteed to score deletions.
I repeat, “THERE IS NO MAGIC DISPUTE OR DEBT VALIDATION LETTER!”
Without a game plan, credit repair efforts often fail.
When I say “fail,” I mean some people (or credit DISrepair companies) get people SUED!
How many times a day…a week…and a month do I get the same request for a silver bullet…you know, a killer dispute or validation template letter? For some reason, everyone seems to think all it takes is the “right” letter to improve credit.
Below, you see the “partial” email exchange a Credit-Success member Randi and I had recently. Here’s a wonderful mom helping her daughter improve her credit. Fortunately, she emailed me before firing off letters without a game plan.
If for some reason, I haven’t been clear, please forgive me for SHOUTING: DO NOT BLINDLY FIRE OFF DISPUTE/VALIDATION LETTERS WITHOUT A GAME PLAN!
Get A Game Plan FIRST…or else!
Randi wasn’t aware of the questions to ask before EVER firing off a letter. What do you think must be considered before firing off a debt validation letter to a collection company or a dispute letter to a bureau?
Click Read More below now to look over my shoulder as Randi and I steer Randi’s daughter away from costly, dangerous mistakes potentially resulting in law suits, anger & delays.
LEGALLY REMOVE A BANKRUPTCY….
Quickly, Randi discovers she doesn’t need a letter. What started as a request for a debt validation letter turns toward more questions (see partial exchange below). Typically, for (this kind of) email guidance, my fee is $99.00. Do you think improving your credit scores and minimizing (or even eliminating) getting sued is worth $99.00? Maybe, maybe not….
TIP: If you hear nothing else I say, please hear this: Do NOT ever allow anyone else (ANYONE) to pull your credit until YOU confirm your credit reports are “okay.” I don’t have time to explain, yet I must add that debt collectors know when you want something. Debt collectors WILL turn you over if they think you have the money and the motivation to pay up.
Strategy!
Game Plan!
Credit debt repair demands strategy…a game plan if you will. Randi asked the right questions. More than asking the right questions, she emailed me before blindly firing off letters. Many times, those “blind” letters backfire…badly. What began as a request for a debt validation letter turned to bankruptcy to settling with a debt collector. Many people find my email or phone support helpful. Others request I write their consumer “goodwill” letters for them. To them, $99.00 is very reasonable. What questions do you have from the partial email exchange I’m sharing with you? What is your experience with “strategic credit repair?” Did you ever think improving credit requires a game plan?
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Tags: Credit, Credit Repair
Posted November 9, 2009 by admin under Credit Report