Posts Tagged ‘credit secrets’

What Always Works

No matter what credit course they buy, or even if they don’t buy one at all, many people find themselves consistently coming up short in one single area… and it happens to be one area that can have considerable negative impact on their credit.

One thing, that’s it. And it can be blamed for a good 75% (or more) of the FAILURE related to consumer credit repair efforts.

It’s the one common mistake that people make no matter what method they choose, no matter what course they buy, no matter how smart or stupid they are.

(Alright, so what is it already?)

Be patient dang it.  I’m getting there.

I don’t know why people so consistently make this same mistake.

  • Perhaps it’s because nobody told them that the credit bureaus and creditors don’t give a “rat’s a$$” about their credit.
  • Perhaps it’s because they think most people are “good people”, and that while “creditors” and “credit bureaus”  are not really definable as people, somehow this “good people” rule still applies to them.
  • Or, maybe they’re afraid.  Maybe they perceive the credit bureau as a dangerous monster (a fair description, I’d say) and they’re just scared to cross the monster’s path.
  • Or maybe they think they don’t deserve better credit. Maybe they think that if they reach for the cookie and their hand gets slapped, it’s a sign that wanting cookies is a bad thing and that nobody should ever reach for them.

SO, what’s this one “uber-mistake” that so many people are making?

It’s simple… so simple, you might think it’s kind of dumb.  Maybe that’s why it is so often overlooked.

Here it is:

People quit too soon.

Yep. That’s it.

They lack persistence.  They quit before the game is over.  When they meet resistance, they think that’s the end.  They try xyz method, and when xyz method fails, they get angry and say things like “this stuff doesn’t work!”

Please understand something: The credit bureau systems are DESIGNED to make you want to throw the credit repair book through the window and QUIT.  I mean it… they are

** D   E   S   I   G   N   E   D **

that way.

I’d offer up proof (which there is plenty of) but that isn’t the point of this post.

The point is, the ONLY “silver bullet” in credit repair is a consumer who refuses to give up.  Other than that, there are really no magic tricks.

Sure, you need knowledge, you need to learn the methods, you need to have a good “bag of tricks” and sometimes even someone to help tell you how to use the bag of tricks… but in the end, the one thing that will separate the successes from the failures is PERSISTENCE.

So I guess what I’m trying to say is…

Reach for the cookie. Don’t give up. Hang in there. If one thing doesn’t work, try something else.  If that doesn’t work, try yet another thing.  If you aren’t creative enough to come up with ideas on your own, sign up for the forum and we’ll help you brainstorm.  That’s really what it’s all about.

Til next time,

~brian

Becoming A Credit Bureau VIP

It seems to me that there may be solid, usable methods to getting into the “VIP Departments” of the credit bureaus, and that there may be some real advantages to doing so if you can pull it off.

If you don’t already know, each credit bureau has a “vip department” where the issues and disputes relating to “important” people get taken care of.

The most obvious way to become a VIP is to be someone who can do some damage to the credit bureau: an attorney, a politician, a high profile business person or celebrity. There may be other ways to have your disputes handled by the VIP department, though.

One forum member, for example, reported that their disputes were being handled by the “priority” department because they had an attorney contact the bureau on their behalf. Will this work for all of us? Probably not all the time, no, but we may have other options.

Are you a VIP? If so how did you get there?  Seriously, if you’re reading this and you care to share the details with the world, please feel free.

As for our part, we will keep working and researching to see what may come of this potentially powerful angle to credit repair.  Stay tuned, and I’ll try to keep you updated as we learn more about how to become a VIP.

~brian

CREDIT REPAIR: Indirect Action Methods

Today I thought I’d share a little snippet of knowledge that I believe is extemely useful and powerful.  I’ve been doing research for an upcoming advanced credit course, and this is something that has popped up a couple of times, and that I find really intriguing.  If you’re a member of the forum, there is a good chance you’ve seen this discussed in some form or another.

Here is the basic idea: instead of attacking your negative items head-on, find indirect ways of affecting your credit profile that will yield the same results.

The best example of this is disputing name and address variations.  Many consumers and professionals have found that by simply disputing old/outdated addresses and other similar personal information FIRST, some negative accounts just “fall off” their report automatically.  The reason this works deals with how credit reports are generated and how credit is reported by creditors… but regardless of the nitty gritty details, it does work.

Most professionals agree that the very first thing you should do when cleaning up your credit is get rid of all your incorrect and outdated addresses and personal information (name misspellings,etc).  This type of information is the easiest to dispute, meets the least resistence from the bureaus, and often results in more “difficult” items falling off without them ever even being disputed directly.

There are several more “indirect action” methods, as I’m calling them now, that when combined create a whole arsenal of under-the-radar tools for consumers and credit repair professionals that are both effective and low-impact.

~brian