All over the internet you see credit repair programs. Credit repair ebooks promise you the secret to a perfect credit history in 30 days. Most of these books are overpriced and provide no real secrets because there are none.

There are debt counseling programs advertised every day on just about every TV channel and credit repair website. They set up a payment plan with your creditors, usually to the benefit of that creditor. Often, people are left in a worse situation because they were convinced to take a deal they couldn’t afford.

If you are looking for a credit repair program, you should build your own program around your specific credit repair needs.

The truth is, nobody can make any guarantees about their credit repair program. If they do, they are lying to you. They have no idea what your situation is.

So how do you build your own credit repair program? You read and learn about credit repair and what you need to get started. Much of credit repair is waiting for the results. Use that time to read up on the next step before you proceed.

Each credit report, and each account on the report, is different. Don’t believe that just because someone else had success with a credit repair program in a certain case that you will also succeed with it. But you may find it worth a try.

Here is the secret to building your own successful credit repair program:

The main thing you need to avoid when you build your own credit repair program is eliminating future possibilities. If you initially file a dispute about the balance of the account, how can later say it is not yours?

Always start with the most basic and generic dispute of “I have no knowledge of this account” so you can test the water. The creditor may not even respond, and if they do, you have left all of your options open.

Start at the very bottom and don’t skip any steps on the way up. Leave yourself open to pursue as large a variety of disputes as are available for the account in question.

Each step of the way, you should base your actions on what you expect you may have to do in the next letter and the next. Build your credit repair program from the courtroom on back. Introduce from the beginning exactly what you would like the judge to hear if the case were in court.

If any information you stipulate as fact goes unchallenged in the early stages, it can become fact in the eyes of the court. At the very least, it will make it that much more difficult to defeat later. Introduce early any fact you may want to use later.

A successful credit repair program will be like building a court case against the furnisher or credit reporting agency involved. Even though it is highly unlikely you will ever need to file suit, the same paper trail that would assure your victory in court also provides the leverage to stay out of court in the first place.

This entry was posted on Tuesday, March 31st, 2009 at 4:42 am and is filed under Mathematicians Tips. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.