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Authorized User Trick

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Will adding someone as an authorized user boost their credit? Having a spouse, friend, neighbor, or relative add you as an authorized user on their...

Making Use of Small Banks and Credit Unions

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Smaller local and regional banks as well as credit unions are great resources for those with less than huge credit. They frequently provide credit-challenged...

Shopping Cart Loophole

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The shopping cart loophole is another creative way to get positive, open, active credit reporting. Be sure to clear browser history and disable pop-up...

Store Credit Cards

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Are Store Credit Cards a Good Idea? Store cards are not ideal because they are not versatile forms of credit and can only be used...

Overdraft Protection Trick

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Most banks and credit cards offer overdraft protection. Sometimes it is referred to as a “cash reserve”. Why this is included in the book...

Fair Credit Reporting Act ( FCRA)

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The Fair Credit Reporting Act (FCRA) The Fair Credit Reporting Act (FCRA) clearly states that items on a consumer credit report must be reported with...

Important Rules to Follow when Sending Letters

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Before Sending Letters rules to follow : Sending dispute letters to your creditors and the credit bureaus is a big part of the process of...

The Responses You Will Receive from the Letters

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The letters and dispute techniques we are about to share will result in you receiving correspondences in the mail from the credit bureaus and...

Experian “Suspicious Request” Letter

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Most readers who take action will receive this letter. This is simply a stall tactic form letter. Resend your original letter with enclosed documents (Drivers License,...

Transunion Results

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Below you can see the results of the Transunion Results.