Frequently Asked Questions

Email #1 How can credit repair work for me? Not only do I have bad credit, I owe everybody money; Sears, student loan, Chevron, etc., thousands of dollars that I had accumulated over 5 years ago.

I now have a pretty good job $35-$40 thousand a year, but I have no idea how to even start paying these bills back. My goal is to buy a house.

I have the ability to make a house payment, but with my bad credit I feel like it will never happen. I am tired of paying rent for what could be a house payment.

I was given credit cards with a minimum wage, part-time job as soon as I had enrolled in college. I thought it was the greatest thing in the world then, but now I am 29 years old, and I realize that these companies are just taking advantage of college students, and really screwing up their future credit.

 I would willingly purchase your credit repair guide if you could reassure me that it could help my situation.

Author's Reply to Email #1 The Attorney's Guide To Credit Repair ™ is a perfect product for you! The reason I say this is your situation resembles the situation many people are in when they begin repairing their credit.

I agree, with you about the credit card situation and college. The very same thing happens to people just like you every day! That's why credit repair is need by so many people.

One of the first things you need to do is take care of the student loan. This is a very quick fix and can actually help your credit within 6 months. You can actually make payments for 6 months and it will be removed from the default status and reported on your credit reports as if you had never missed a payment - perfect status.

This is an incentive from Uncle Sam to encourage defaulted student loan holders to take care of their obligations.

Second, DO NOT pay anything off just yet, WAIT! You need to evaluate each and every item to make sure that you will not damage your credit even further by assuming the best thing to do is pay everything off.

My book teaches you what to pay and what not to pay and why. In some circumstances you can actually damage your situation further by paying-off a creditor.

There is something referred to as the 7-year cycle. This is the amount of time that a charged-off or delinquent account can stay on your credit report without any monetary activity.

 By just sending in a payment or signing an agreement to pay, you automatically restart the 7-year period from the date that they receive the monies or signed document from you.

You need to get your money together and negotiate with each creditor you are past due with, but first you need to dispute the negative credit items. After disputing has cleaned up its portion of derogatory items you then start negotiating with creditors. By doing this you can negotiate all of the negative items off of your credit report, how is this you may ask?

You have what they want and they have what you want. Creditors or collection agencies want money and you want a signed letter vowing to remove the negative items from your credit report.

This is how it is done, and believe me it works. Cash-money is a very powerful bargaining tool! If you have the money and your accounts are 3 or more years delinquent, you have an excellent chance for some very quick and most impressive results.

Email #2 Will your credit repair guide remove credit inquires? I shopped around for a new car and ended up with a lot of inquires that are now hurting my credit.

Author's Reply to Email #2 Yes, inquires can be a real problem for a lot of people as each inquiry can lowers your fico score by a few points.

The dealerships shop around your credit application. Each dealer checks with the credit bureaus to see if you qualify for their standards. Most Inquires stay on your credit report for a period of two years.

The inquiries that break this rule are inquiries by an existing account such as a visa that is simply checking your current credit status to either make sure you are still a good credit risk or to increase your credit limit.

These type of inquiries stay on your credit report for 1 year. You can get rid of the inquiries three different ways. The first by disputing the item under the premise that you have no knowledge of the account and it is misreported.

The second by contacting the company that put it on your report and telling them the same thing and that it is effecting your credit report and must be removed immediately. Have that company fax you something stating that it should be removed.

The third way is to wait until the two year period is up and dispute it off under the premise that the information is outdated and no longer relevant.

My guide shows you step-by-step how to do this and provides you with samples and examples and the forms to do it all. It teaches you this and to much more to mention that the credit bureau wish you didn't know.

Email #3 Okay, you say you can fix bad credit. But can you do anything about unpaid credit card debt & medical bills. I am unable to pay the amount of debt I have incurred. Will your program help me or do I need to file bankruptcy.

Author's Reply to Email #3 A bankruptcy should always be the very last thing you should consider, and YES, my book can help.
There is a section dedicated to debt reduction that one can use to reduce debt before doing anything as drastic and detrimental as a bankruptcy.

First of all never run from your problems. You need to contact every creditor that you have and talk to them. If you explain your circumstances you will see that they can put you on a plan to help relieve your debt without destroying your credit.

For instances, a credit card company can suspend all charging privileges on your account, without totally closing it, and put you on a payment plan that will drastically reduce your payments almost by 50%.

It is more advantageous for the medical billing companies and other creditors to work with you on payments than to sell off your account to a collection company for a smaller percentage of the amount owed.

This is not always the case, because some companies would rather sell off your account than deal with all of the hassles of billing, but my guide can help you deal with those types of companies as well. Avoid a bankruptcy if at all possible and work out the problem. My guide can definitely help you if you want to help yourself.

Email #4 Does the guide work in all 50 states?

Author's Reply to Email #4 The Attorney's Guide To Credit Repair is applicable to all 50 states including Guam & Puerto Rico. The guide has been sent and used effectively by many of our armed forces personnel as far as Japan, China and Germany.

The guide has helped literally tens of thousands of consumers with their credit dilemmas. Thanks to the internet we are now getting much more exposure and recognition as the nations leading resource for all credit matters.

Everything in the guide is based on facts, the law, and actual true experiences. It is 100% legal. I'm are trying to assist consumers by providing legal and effective ways to use the credit laws established by the Federal Trade Commission.

Negative marks on your credit report will remain there for 7 to 10 years from the date of last activity, and possibly longer, unless you do something about it.

I encourage you to use the laws and the dispute process, to remove information on your credit report that you believe may be misleading, questionable, outdated, incorrect, or you believe to be in any way misreported.

I am sure you can find something wrong with a large percentage of the items on all three of your credit reports. Almost 99% of the time you can find something questionable in your credit reports. Yes, this guide can help you to avoid waiting 7 to 10 years to have bad credit removed from your credit reports

Email #5 Your guide sounds great but I am in my 2nd year of a chapter 13 Bankruptcy and I was told by a friend that I could get a new social security number or tax identification number and have NEW Credit, is this possible?

Author's Reply to Email #5 First of all getting a second social security number is totally illegal and I highly recommend that you don't involve yourself with anything of that nature.

A lot of the individuals selling or claiming they have information of this type are usually just taking advantage off desperate consumers.

Those that are actually doing this could possibly face severe legal problems. I don't promote nor do I condone any such process. On the other hand, my credit repair guide has been successfully used to remove even bankruptcies.

You may ask how is this possible and how can it be legal. It is totally legal and performed everyday. How it is done is by using the credit laws to your advantage.

You have the legal right to intervene into the processes of the credit bureau at any time to make sure that the personal information that they are selling about you is absolutely 100% correct.

You can challenge almost everything on your credit reports, even bankruptcy items and total bankruptcies, legally.

It is very common for human error to be a factor in a great deal of the items on your credit report. It is your job as a consumer to scrutinize every part of every item for any possible errors and believed errors.

Once you find one or believe you have found one, it is your right within the law to dispute that item and make the credit bureau prove that this item is reported exactly as it states.

If for whatever reason, in the case of public record items such as a bankruptcy, if it cannot be verified as being 100% accurate it must be removed per your request.

A frequent scenario is the credit bureaus and or creditors are understaffed to handle such requests. Maybe the information has been archived and their computer records are backed up and it requires too much time for them to retrieve those records. Whatever the case may be, if they cannot get that information within 30 days, it must come off if you request it.

Just as if you go into a courtroom to fight a speeding ticket and the officer does not show up, the ticket is dismissed and all charges dropped. Why, because you are innocent until proven guilty. Make them prove it or make them remove it.

You might as well use your freedoms to your advantage or if you want, you can just sit back and suffer the consequences, but don't complain if choose to do nothing about it!

Email #6 What does your guide consist of?

Author's Reply to Email #6 The Attorney's Guide To Credit Repair is basically a very simple to understand book. However, this in not just any credit repair book. It is an eye-opener! It will explain everything you need to know in order to restore your credit.

The guide reveals the credit repair process step by step, informs you of your rights and teaches how to DO IT! And it is a great resource not only for credit repair, but also for debt consolidation, bankruptcy, and rebuilding your credit!

The guide itself is a complete educational resource, and by far worth well over the $29.95 that I sell it for. The information can truly transform your quality of life. How do you put a price on that?

I cut strait to the chase and show you how to get results! It is like no other book on the internet. This book holds nothing back and shows you how to test the limits of the law.

The guide is comprised of 36 reports that will give you step-by-step examples on how to legally and effectively repair bad credit from all three of your credit reports.

It will also teach you (8) different techniques for reducing debt and rebuilding credit, how to stop debt collectors with a single letter, reduce bankcard interest rates in 5 minutes, and every legal credit cleaning technique the credit bureaus wish you did not know.

It is 100% legal and used by many mortgage and lending institutions across the nation because of its effectiveness to quickly get results for its users. Satisfaction guaranteed or your money back!

Many are still under the impression that if something is placed on their credit report that it is forged in time for a period of 7 to 10 years. Well it is, and in some instances for longer periods of time, unless you do something about it!

The credit bureaus are not affiliated with the government. They make their money by selling your personal information for a profit, so make them earn their money!

Laws such as the fair credit reporting act, written by the FTC, state that the individual has the right to intervene into the practices of the credit bureaus, to make sure that the information that is being distributed is absolutely 100% accurate.

Make them do their jobs of verifying the information. The Attorney's Guide To Credit Repair will teach you how to do it effectively and legally.


Email #7 I see that you have a 90 day money back guarantee. Will it take 90 days to clean up my credit?

Author's Reply to Email #7 In most case no. You can see accounts disappear from your credit report in as little as 30 days and a great majority of items will be deleted in 5 or 6 months. I just want to give you ample time to see just how effective the guide truly is.

But remember, credit repair is an ongoing process that will take time, depending on how bad your credit is. But even 1 year is a lot better than than 7 to 10 years!

The information in the guide will definitely enlighten you. There is a lot that the average consumer is not aware of when it comes to their credit and their rights.