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If you have credit problems, you can get the financing

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Don't be taken advantage of because of your credit
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How is idebtassist different than most
IDebt Assist updating your credit history
Idebt assist specializes in bad credit auto loans and special
finance options for automotive consumers with less than
perfect credit. Our nationwide network of car dealers offers
bad credit car loan programs designed especially for auto, car
and truck buyers with credit problems, no credit, or unique
sub prime auto loan requirements. Idebt assist helps you pre
qualify for bad credit auto loans, a bad credit car or truck loan,
or a special finance auto loan regardless of your credit
problems or automotive financing loan payment history

other online companies who offer free

services?

 Unlike other online car loan approval companies who

simply get your credit information and fax it to any
dealer -- overlooking the assistance, information and
follow-through you really need---idebtassist builds a
customer profile prior to getting your information to the
dealer. We work directly with the lender and dealership
to get you approved. We simply do more, and if for .
some reason you don't get approved, we help you
understand what you can do to help your situation. We
don't just leave you hanging like most other companies
that just gather credit information and just "pass it on".
idebtassist offers you professionally trained Credit
Managers to do everything possible to help arrange
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Edouardo’s Story
Edouardo’s car, a hand-me-down from his father, is ready to give up the ghost. His girlfriend, Charisse,
suggests he try to buy a newer car, though he is reluctant to spend the money. Although Edouardo makes a
great living, his credit is in terrible shape due to a large number of unpaid medical bills, the result of an
accident. Edouardo has seen advertisements in the local paper for credit repair services, and wonders how
easy and how expensive it would be to fix his credit. Charisse makes a few calls for Edouardo looking into
credit repair agencies and is suspicious of them. Besides, she once successfully disputed a late payment on
her credit report. Edouardo and Charisse decide to see what they can do on their own to fix Edouardo’s
credit.

Can I really fix my credit?

Of course you can! Many of our readers (even yours truly) have cleared up a few blemishes on their reports.
And by the way: everything a credit repair clinic can do for you, you can do for yourself at little or no cost.
That being said, we know that sometimes people feel overwhelmed with the process and want to ask a live
person a question if they get stumped. If you do, you can set up a paid consultation with one of our
counselors for a small fee.

Make sure you also read our article, "The 5 Biggest Mistakes People Make in Credit Repair".

What the information provided in this page does is help you fix ERRORS on your credit report and clean up
those "questionable" items. While no one can legally remove accurate negative information from a credit
report, the law does allow you to request an investigation of information in your file that you dispute as
inaccurate or incomplete. On the other hand, *nudge* *nudge*, *wink* *wink*, it is perfectly legal to
challenge ANYTHING on your credit report. There is no charge for requesting an investigation. The whole
key to the credit repair procedure is that if the credit bureaus cannot verify information on your credit report
they must remove it. For instance, if a credit bureau cannot contact a collection agency which is reporting a
collection on your report, they cannot verify the information, and the credit bureau must delete the entry.
Let's meet Edouardo.

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Personalized phone conference to look at YOUR Personal

Credit & Debt Situation!

Confidentiality GUARANTEED!

Call Toll Free Now for booking!   1-877-933-6932

The 5 Biggest Mistakes People Make in Repairing Their Credit
June 6th, 2008  · 12 Comments ·  Credit Repair

by Kristy Welsh

Credit Repair is not difficult, but you can shoot yourself in the foot if you don’t pay attention to a few
little things. Here are common mistakes people make which can be easily avoided:
1. Failing to disputing with the credit bureaus FIRST. In credit repair, always dispute
your negatives with the credit bureaus before doing anything else. 10-20% of all items
disputed in an initial round of disputes fall off. Why not pick off the low hanging fruit in the
beginning so you can concentrate on the tough stuff? In addition, you cannot take legal action
as an individual against companies who are acting illegally by reporting you if you don’t
dispute first.
2. Failing to document your efforts. You should ideally be keeping notes and dates of all
your efforts. Make a note of anyone you speak to, when you send letter, and when you receive
letters. You should all make sure you send your disputes certified mail, return receipt
requested. How to organize is up to you. Putting everything in a notebook is ideal, but a plain
‘ole file folder will do if you just store bits of paper. You don’t have to get too fancy.
Documentation is especially important when you are disputing items with the credit bureaus.
Under the Fair Credit Reporting Act (FCRA), credit bureaus have 30 days to get back to you
with the results of an investigation on your dispute. If you do not hear from them, within 30
days, they must remove the item.
3. Disputing items online. Never do this! You will not have any written records of your
dispute (the return receipt), plus, you are making it easy for them by disputing online. Your
dispute will become a two letter code and will be sent (using  eOscar) to an offshore computer
for analysis. You will also not be able to dispute specific information  within the listing, for
instance, wrong high balance, wrong date account was opened, etc. You will not be able to
send documentation. In addition, if your name, SSN or address is incorrect, you have to send
your request in writing any way.
4. Being unrealistic. If your credit report is in bad shape, there isn’t a quick fix. The process
takes time, usually from 6 months to a year. In addition, some items are extremely difficult, if
 not impossible, to remove: bankruptcies, tax liens, judgments and child support. If you have
any of those listings, you may be in it for the long haul.
5. Giving up. The process seems overwhelming at first, especially if you are new to credit
repair. Take one step at a time. You don’t have to do everything at once. I usually tell people to
do things a few days or a week apart, and not to spend more than an hour at a stretch doing
anything. After the first dispute letters are mailed, you really shouldn’t have to spend any more
than 1 hour a month working on your credit. Isn’t it worth it?

Tips for resubmitting your credit dispute

 Be persistent! Become more insistent, but not more threatening, with each dispute. Make sure your
letters are clear and to the point. Remember, an employee at one of the credit bureaus has about 4
minutes to enter the dispute into the computer for analysis by e-Oscar. Remember if you call the
company, this resets the clock on how long they have to get back to you. If you are on day 29 of
the 30 days that they have to get back to you and you call, the clock resets and they have 30 more
days because you "provided them with more information". Just like any other consumer, you can
become frustrated and threatening as time passes. You may threaten to hire an attorney, you may
threaten to complain to the FTC and your state's attorney general, etc. But don’t overdo it.
 Be creative - Create and utilize other techniques that help further the idea that the dispute letter is
from a truly wronged and disadvantaged consumer. The checker is only interested in investigating
disputes that truly are erroneous and damaging.
 Do not bombard the credit bureaus with disputes (about the same listings, that is). Sending one
dispute right after another is wasteful and counterproductive, even if you do use a different reason
in your dispute. Again, you must remember to change the REASON for the dispute each time you
submit. Otherwise, the dispute can be deemed frivolous and the credit bureau is under no legal
obligation to take action. Also remember, that credit repair is a time-consuming operation requiring
great patience. The rule of thumb is to wait 60 days between disputes of the same listing WITH A
DIFFERENT REASON FOR DISPUTING.

Edouardo receives his responses from the credit bureaus within the time allowed by law and eagerly rips
open the envelopes. He was pleased to see that half of the collections were removed from his credit report
and the late payment on his credit card has been corrected. On 3 of the collection accounts on his Equifax
report, the results of the investigations were listed as "verified". Trans Union deleted all of the collection
account listings, but Experian only deleted one of them. The rest of the listing investigations were listed as
"verified".
Re: Unauthorized Credit Inquiry

Dear American Express,

I recently received a copy of my Experian credit report. The credit

report showed a credit inquiry by your company that I do not recall
authorizing. I understand that you shouldn't be allowed to put an
inquiry on my file unless I have authorized it. Please have this
inquiry removed from my credit file because it is making it very
difficult for me to acquire credit.

I have sent this letter certified mail because I need your prompt
response to this issue. Please be so kind as to forward me
documentation that you have had the unauthorized inquiry removed.

If you find that I am remiss, and you did have my authorization to

inquire into my credit report, then please send me proof of this.

Thanking you in advance,

Jane Caveat-Debtor

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 have enclosed a copy of the return receipt which you signed on some date.
As you are well aware, federal law requires you to respond within 30 days. It has now been over 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. For this purpose, I have included a copy of my original request, the
dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the
credit item you have mistakenly placed on my records.

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

CREDITOR AGENCY, acct. 123-34567-ABC

Please delete this erroneous item from my credit report as soon as possible.

Sincerely,

your signature

Your Name
SSN# 123-45-6789

Don't forget to provide copies of your original lett

Sample Leter 8 - Goodwill Letter

The following is a "Good Will Sample letter requesting a creditor to remove a late payment
because you've been a good customer.

Date

Company name
Address

Re: Acct # XXXX-XXXX-XXXX-XXXX

Dear CEO name,

I am writing to you today regarding my credit card account #4236-XXXX-XXXX-XXXX which I had while I
was a medical student at ------------------------------------. The purpose of my correspondence is to see if
you would be willing to make a "goodwill" adjustment on the reporting of this account to the three credit
agencies.

During the time period this account was established I had was very happy with the service, I was however
not the ideal customer and made mistakes with my handling of the account. I should have kept better
records regarding the account and I take full responsibility. I became aware of the unpaid balance when I
got a copy of my credit report in June of 2006.

I know that payment was my responsibility and I am not attempting to justify this breach of my user
agreement, I was however hoping you might review the circumstances under which this non-payment
occurred and consider removing the negative trade line associated with this account from my three credit
reports.

As soon as I became aware of the balance I contacted ----------------- and paid the balance in full. I provide
this not to justify why the account was unpaid, but rather to show that the issue with ----------- is not a
good indicator of my actual credit worthiness. I hope that ---------------- is willing to work with me on
erasing this mark from my credit reports.

I would like to STRESS that the information currently being reported IS accurate, (I am not disputing
anything with ---------------). I am simply asking -------------for a courtesy gesture of goodwill in having the
credit bureaus remove this account from my report. I do recognize that this request is unique and that it
may not be ------------- normal policy. Please consider that the Fair Credit Reporting Act does not demand
that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a
company does have legal discretion and permission to remove any account it chooses from the credit report.
I'm hoping that ------------- will do that in my case for this account.

Your kind consideration in this matter is greatly appreciated.

Best Regards

"My credit was such an embarrassing mess, that I pretty much just gave up on the idea of ever having good credit. I searched high and low
for a service like yours and you guys just seemed to make it easy. I still can't even believe where I am now after your service. I never thought
I'd have a chance like this again, and I couldn't be more thankful."

SOUNDS GOOD AND ALL, BUT IS IT LEGAL?

Although the credit bureaus would like to have you think otherwise, there is absolutely nothing illegal about disputing
items on your credit report. In fact, it is your explicit right by law to do so. (See Fair Credit Reporting Act) Credit report
repair is as legal as pleading "not guilty" in a court of law.

CAN I RESTORE MY OWN CREDIT?  

Disputing the credit report is easy. Getting results from the credit bureaus is amazingly difficult, complex, and infuriating.
It is not a coincidence that the Federal Trade Commission receives more complaints against credit bureaus than any other
type of business. Remember, the credit bureaus are primarily interested in protecting their profits. Investigating your
challenge consumes these profits. Short of sparking a mass number of lawsuits, the credit bureaus seem to do everything
in their power to discourage consumers from making progress in their restoration efforts.

Restoring your own credit is like repairing your own transmission or representing yourself in court; it is possible, but you
must decide if you are willing to take the time and assume the risks of doing it yourself.

Bad Credit? - Repair it here yourself!

There're many reasons you may want help for bad credit. We're here to help you understand what affects credit, what
makes credit bad, how and what entities define your credit, guide you through the credit definitions, financial concepts,
common misconceptions and provide you with information and tools that will help to solve your credit problems. Get help
for bad credit now! To achieve this, we provide you with Free Access to a wealth of credit related content, forms, tools and
calculators. We show you how to improve your bad credit step by step, reestablish your ability to borrow monies, how and
where obtain loans, credit cards, mortgages and other financing. Repair Credit now!

Check your credit rating? You don't. Lenders won't give it to you. This is an internal information that is kept
confidential. Another reason why you cannot check your credit rating is simply because every lender would
have a different rating for you.
One of the misconceptions is that the personal credit rating report can be obtained from a credit rating
agency... and that's because people think of it as a credit score... that it isn't... (But, of course, you can
check your credit score with credit bureaus.)
Improve My Credit Score

Tips to Improve Credit

Only Credit Agency knows for sure what will improve my credit score under the particular model used to
evaluate my credit application.
That said, scoring models generally evaluate the following types of information in credit report:
I pay my bills on time. ... Payment history typically is a significant factor. My score will be affected
negatively if I have been late, had account referred to collections, or declared bankruptcy.
How much is my debt? ... To improve my credit score, I try to keep the amount borrowed under 35% of
credit limit. Anything higher is likely to have a negative effect on my score.
Length of credit history? ... Having only few credit lines shorter than 6 months may have an effect on credit
score or negatively influence lender decision.

How your life can be affected by bad credit?

Good credit is even more important than in a past. You need good credit to get more credit. And if it is
lousy, you need to repair your credit. To buy a house, a car or kitchen appliances, to get college loan, or
even credit card tomorrow, you need to repair credit today. At least start working on it. To get more
insurance you need to have a good credit report. Even some employers check your credit history before
hiring you.
Most important of all, the better credit you have, the more favorable interest rate you get on your  
mortgage or car loan. Better interest rates will result in greater savings and less debt for you.
To repair credit some people need to reestablish it completely and some need just a quick fix or clean up. 
In any case cleaning up credit report should be the first step in repairing your credit.
You will have to take quite a few steps to repair your credit. Your very quality of life depends on how fast
you can repair credit and even more importantly, maintain it afterwards.

Repair credit - start here

Our warranty

Our service is backed by a warranty which entitles you to some

You may write me down in history

With your bitter, twisted lies,
You may trod me in the very dirt
But still, like dust, I'll rise.

Does my sassiness upset you?

Why are you beset with gloom?
'Cause I walk like I've got oil wells
Pumping in my living room.

Just like moons and like suns,

With the certainty of tides,
Just like hopes springing high,
Still I'll rise.

Did you want to see me broken?

Bowed head and lowered eyes?
Shoulders falling down like teardrops.
Weakened by my soulful cries.

Does my haughtiness offend you?

Don't you take it awful hard
'Cause I laugh like I've got gold mines
Diggin' in my own back yard.

You may shoot me with your words,

You may cut me with your eyes,
You may kill me with your hatefulness,
But still, like air, I'll rise.

Does my sexiness upset you?

Does it come as a surprise
That I dance like I've got diamonds
At the meeting of my thighs?

Out of the huts of history's shame

I rise
Up from a past that's rooted in pain
I rise
I'm a black ocean, leaping and wide,
Welling and swelling I bear in the tide.
Leaving behind nights of terror and fear
I rise
Into a daybreak that's wondrously clear
I rise
Bringing the gifts that my ancestors gave,
I am the dream and the hope of the slave.
I rise
I rise
I rise.