Credit Repair: The Total Guide to a Great Credit Score

Your credit report and credit score can be used to determine if you get a loan and what the interest rate is. But they can also be used to determine many other things such as if you can get a cell phone, an apartment, and even a job. In this lecture, we will cover what exactly is the credit report, and how is it different from the credit score. How are they used, who uses them, and why they are important.

Using examples, this lecture discusses real life factors that influence the credit score.

Introduction to the process of getting your 100% free credit report. No strings attached and no credit card necessary.

Explanation of the three step process to getting the free credit report.

This lecture explains the choices available when it comes to picking the credit reports you may want to view.

This lecture covers the final and most complex verification step, with real examples and detailed explanations to ensure a smooth and successful result. It also provides warnings of where things can go wrong here, and how to avoid them.

Detailed explanation of the personal information required to verify your identity for the free credit report.

A short lecture identifying this next to last step in getting your free credit report.

Some basic housekeeping information required for the course.

In this lengthy and comprehensive lecture, we cover the layout of the credit report, what is in it line-by-line, how to recognize important items that are affecting your credit score, and key parts are pointed out for future reference.

One of the most important things to do in the credit repair process is to start out organized and remain organized. This lecture uses real life examples of what the lecturer uses.

This lecture explains how the author uses the personal statement on his own credit report and what makes this a rarely used, but powerful feature.

Disputes with the credit bureaus don't always work, but the good news is that there are other ways around it.

In this detailed lecture, we look at other means for disputing, and provide example letters and other types of communications available to you.

Sometimes the traditional methods don't get the results we want. In that case, we need to consider deeper strategies such as the "Squeaky Wheel."

If our earlier communications didn't get the results we wanted, we have to "turn up the volume" and find a way to get noticed by those that can help. This example follow up letter does exactly that.

This lecture explains the negotiating tactics that will get the creditors to WANT to help you.

Being the Squeaky Wheel is not for everyone. In this lecture, we discuss different options based on your comfort level.

Negotiation can be a great tool to remove late payments from a credit report. This lecture looks at some of the tactics and tricks to do so.

Negotiation can be a great tool to remove negative closed account information from a credit report. This lecture looks at some of the tactics and tricks to do so.

There are some types of negative information that will damage credit significantly more than others. The following lectures discuss some of them.