Credit Secrets 3 in 1: Boost Your FICO Score By 200 Points in Less Than 30 Days, Without Hiring Credit Repair Agencies. 609 Letter Templates Included + Bonus: 10 Secrets The Experts Don’t Share

BOOK 1 CREDIT SCORE HACKS Chapter 1: The FICO Score What is a FICO Score? How Do You Check Your Credit Score? What is a Good Credit Score? Increasing Your Fico Credit Score Access to Best Credit Cards Easy Access to Loan Lower Interest Rates on Loans Easy Approval for Rental of Houses and Apartment Better Job Applications Negotiating Power Chapter 2: 10 Credit Repair Myths Myth 1: Closing Credit Accounts Will Help Your Score Myth 2: You Can Increase Your Score by Asking Your Credit Card Company to Lower Your Limits Myth 3: You Need to Pay Interest to Obtain a Good Credit Score Myth 4: Your Closed Accounts Should Indicate "Closed by Consumer," Or They Will Hurt Your Score Myth 5: Credit Counselling Is Way Worse Than Bankruptcy Myth 6: Pre-Employment Screens Use Credit Scores Myth 7: The Worth of Your Account Age Will Be Lost When a Card Is Closed Myth 8: Once You Ruin Your Credit, You'll Never Rebuild It Myth 9: Checking Your Report Will Harm Your Score Myth 10: Bankruptcy Protection Will Be Excellent for Those Who Have Large Amounts of Debt Chapter 3: What is Bad for My Credit Score Multiple Inquiries Being Over-Extended Too Many Cards Applications Cancelling Cards Late Payment Loans Non-Paying Bill/Mortgage Payment Loans Chapter 4: 6 Steps to Repair Bad Credit Score Step 1: Review Your Credit Score Regularly Step 2: Pay All Your Bills on Time Step 3: Do Not Apply for a Loan Ever Again! Step 4: Get Loans from Banks, Not Credit Unions Step 5: Use Your Credit Cards Wisely Step 6: If You Can't Pay Off Your Debt, Pay It Off! Chapter 5: The 10 Secrets the Experts Don’t Share 1. Pay Bills on Time 2. Challenge Late Fees 3. Set Up Payment Alerts 4. Keep Your Older Accounts Open 5. Forget About Older Derogatory Accounts 6. Stop Buying Things on Credit 7. Mind Your Balances 8. Pay Down Your Debt at Lower Costs 9. Mix Up Your Credit 10. Limit New Credit Applications Note: Do Not Forget to Monitor Credit Activity Chapter 6: Mistakes You Should Avoid When Dealing with Your Credit Score Paying Just the Minimum Ignoring Your Billing Statement Canceling Your Credit Card Paying Late Loaning Your Credit Card Not Knowing Your Credit Card Terms Letting Your Card Get Charged-Off Applying for Too Much Credit Maxing Your Card Out Getting Pressured into Accepting New Cards Sharing Your Credit Card Number with Other People Paying Tax Bills with A Credit Card Applying for Credit Repair Recklessly Using Your Credit Card to Withdraw Cash Aiming for The “Rewards” Ignoring Your Credit’s Warning Signals Chapter 7: How to Compute Your Credit Score The History of Payment The Amounts That You Owe The Age of the Accounts What Types of Open Accounts Do You Have? The Number of Credit Applications How Exactly Is It Calculated? How to Check Your Credit Score Chapter 8: Checking Your Credit Report Where to Obtain Your Credit Report How Often Are You Allowed a Free Copy of Your Credit Report? Your 6-Step Credit Check Checklist The 2 Things You Must Do If You Find Errors on Your Credit Report Expert Tips 5 Bonus Tips Chapter 9: The Right Mindset for Credit Management Realization of Your Current Mindset Don’t Forget About Gratitude Take Responsibility for Your Debt Stop Seeing Debt-Free as a Solution to Your Problem Your Get-out-of-Debt Mindset Conclusion BOOK 2 HOW TO BOOST YOUR CREDIT SCORE Introduction Chapter 1: Pay Your Debts Planning Organizing Contact Negotiate Secured Credit Card Family Life Insurance Bank Borrowing Money Savers Chapter 2: Delete Bad Credit Legally Tax Liens Judgments Dismiss A Judgment Bankruptcy Deletion of Negative Public Records (Judgments) Chapter 3: Write A Credit Repair Letter 609 Keep All of the Records Add in the Identification Information Consider Bringing Something Up, even if it Doesn’t Seem Important Do Not Contact the FTC Send a Letter to Each Credit Agency Mention Section 609 in the Letter Mention the 30-Day Limit Use One of the Templates So You Know Where to Start Send a Follow-Up Letter Chapter 4: Delete Inquiries Like a Pro Chapter 5: Recognize and Avoid Common Errors in Your Credit Report Most Common Credit Report Errors How to Prevent Common Errors on Your Credit Report? Chapter 6: Consider Credit Piggybacking What is Credit Piggybacking? Why Piggybacking Can Be Worth It Possible Disadvantages of Credit Piggybacking Beware of paid piggybacking services What you should know before asking for the status of an authorized user Chapter 7: Order A Free Credit Report Be Aware of Imposters Chapter 8: Be Familiar with the Credit Bureaus TransUnion Experian Equifax Making the Best of Credit Bureaus How the Bureaus Get Their Information Chapter 9: Check If You Are a Victim of Identity Theft and How to Fix It How Identity Theft Happens What to Do If You’re a Victim of Identity Theft Protecting Yourself from Identity Theft Chapter 10: Acquire the Right Mindset Avoiding the Bad Credit with the Right Mindset Features of a Bad Money Mindset Qualities of a Positive Money Mindset Find Financial Balance A Money Mantra Chapter 11: Take Advantage of the Consumer Credit Laws The Fair Credit Acts How The Fair Credit Acts Protect You Chapter 12: Make Sure to Do Credit Monitoring What Happens with Credit Monitoring? Advantages Disadvantages Chapter 13: Get Rid of Your Collection Accounts Once and for All Collections Settling Large Collections How to Handle Medical Collections Will Paying My Collection Accounts Increase My Score? Collections: A Step-by-Step Process Chapter 14: Avoid Foreclosure at All Costs What is Foreclosure? The Two Types of Foreclosure Stages of Foreclosure What to Do When You Default? Effects of Foreclosure on Credit Scores Conclusion BOOK 3 609 LETTER TEMPLATES & CREDIT REPAIR SECRETS Introduction Chapter 1: What is Section 609? Section 609 Why Use a 609 Letter? Chapter 2: How to Open a Dispute Some Helpful Steps for Writing a Section 609 Letter Some Other Things to Consider Chapter 3: Tips to Have Success with 609 Include Documentation Be Thorough Illustrate Your Case Proofread the Letter Thoroughly Get Advice If Necessary What Not to Disclose in Your Letter Make Sure Everything Is Readable Do not Bypass the Credit Reporting Agency Chapter 4: What Next? How to Proceed with the Letters? Emails Doing it All Online Telephone Mail Certified Mail Chapter 5: 12 Templates of 609 Letter Letter #1: Initial Letter to Credit Bureau Disputing Items Letter #2: When You Don't Get a Response from Letter #1 Letter #3: Request for Removal of Negative Items from Original Creditor Letter #4: If You Don't Receive a Response from Letter #3 Letter #5: If the Credit Bureau Doesn't Remove Negative Items Disputed Letter #6: Affidavit of Unknown Inquiries Letter #7: Affidavit of Suspicious Addresses Letter #8: Affidavit of Bankruptcy Letter #9: Affidavit of Erroneous Entry Letter #10: Affidavit for Account Validation Letter #11: Affidavit of Request for Method Verification Letter #12: Affidavit for Validation Chapter 6: How to Avoid Wrong Inquiries Hard Inquiries Soft Inquiries Managing Inquiries Chapter 7: Frequently Asked Questions about Credit Score Can Credit Scores Change Very Much Over Time? What Are the Minimal Requirements for a Credit Score? What Are the Various Types of Late Payments and How Do They Affect My Credit Score? How Do I Reduce the Negative Impact of Bankruptcy? Collections—How Should I Deal with Them and What Do They Do to My Credit? How Do I Go About Establishing a Credit History? How Do Lenders Use FICO Scores in the Context of Credit Scores? How Can I Obtain a Free Credit Report and Credit Score from Each Bureau? How Long Can Negative Information on My Credit Report Remain? Can I Improve My FICO Score if My Only Credit Account Is a Charge Card? Will Closing a Credit Card Account Boost My FICO Score? What Impact Would the “Credit Squeeze” Have on Me? How Can I Keep My Credit Safe if Disaster Strikes? Do you have any kind of overdraft protection? What Exactly Are Inquiries, and How Do They Affect My FICO Score? Would Getting My Credit Reports Harm or Lower My Credit Score? Does Paying My Bills to Help My Credit? Would a Charge Off or a Collection Account Be Removed from My Credit Report if I Pay It Off? Is Credit Repair Simple? Will Consumers Do It on Their Own? Are the Credit Bureaus a Government Branch? If I Successfully Delete a Negative Item from My Credit Report, Will It Reappear on My Report? Is It Legal for Creditors to Exclude a Negative, Accurate Listing from My Credit Report? Is It True That Items Remain on the Credit Report for Seven Years? Chapter 8: Goodwill Letters Goodwill Letter Template Cease and Desist Letters Chapter 9: More Tips Tips on Filing a Dispute with Section 609 The Necessary Documents before Sending the Letter Where to Send Your 609 Letters? Tips for Letter Writing Chapter 10: How to Reach 800+ Credit Score Chapter 11: Credit Repair Lifestyle Changes and Financial Strategies Pay Bills on Time Pay More than the Minimum Maintain Low Credit Card Balances Pay Maxed-Out Cards First Conclusion