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Index
Cover Page
American Credit Repair
Copyright Page
CONTENTS
Acknowledgments
Introduction
Chapter 1: The Basics of Credit Reporting, Part I: The Agencies and the Laws
Credit Reporting Agencies
The Fair Credit Reporting Act (FCRA)
The Fair and Accurate Credit Transactions Act (FACT Act)
Chapter 2: The Basics of Credit Reporting, Part II: The Data
Where Does Credit Report Information Come From?
Common Business Types That Report Information to the CRAs:
What Is a Credit Score and Why Should U Care?
The Five Main Factors That Make Up Your Credit Score:
Chapter 3: The Basics of Credit Reporting, Part III: Who Is Entitled to See Your Credit File
Permissible Purpose
Employers
Illegal Requests for Your Credit Report
Two Circumstances Which Prohibit the Use of Your Credit Report:
Chapter 4: Your Credit Report: Getting a Free Copy — For Real!
AnnualCreditReport.com
Annual Credit Report by Mail or Phone
FTC Facts for Consumers Brochure
Chapter 5: Understanding Your Credit Report: How to Read the Big Three
Personal Information
Employment Information
Scoring (Credit Score)
Public Records
Collections
Revolving Accounts
Installment Accounts
Mortgage Accounts
Inquiries
Chapter 6: Repairing Your Credit Report, Part I: The Dispute Process
FCRA Section 611
Inaccurate or Incomplete Information
FCRA Section 605
Outdated Negative Information
Negative Items That Do Not Belong to You
Chapter 7: Repairing Your Credit Report, Part II: The Dispute Letter
Verification Forms Used by CRAs
Fill-In Dispute Forms
Picking Your Battles
Writing Your Own Dispute Letter
Sample Dispute Letters
Sending Your Dispute Letter
What's Included in a CRA's Response to a Dispute
The Three Possible Outcomes of Disputed Items on Your Credit Report:
Chapter 8: Repairing Your Credit Report, Part III: When Things Don't Go Your Way
Sending a Second Dispute Letter
Word Consumer Statement
Speak to a Professional If Necessary
The Reality of Suing a Credit Reporting Agency
Chapter 9: Collection Agencies: How to Deal with These Bad Guys
How a Collection Agency Operates
The Fair Debt Collection Practices Act (FDCPA)
Validation of the Alleged Debt
Drafting a Verification Request Letter
The Three Items of Verification to Request from a Collection Agency:
State Licensing Requirements for Collection Agencies
Stop Calling Me
Stop Calling My Employer
How to Settle with a Collection Agency
Helpful Hints for Negotiating with a Collection Agency:
Chapter 10: How to Deal with Secured Accounts: Plus Student Loans & Tax Liens
Repossession
The Two Options for Dealing with a Repossession:
Foreclosure
Student Loans
Tax Liens
Chapter 11: Bankruptcy: The Pros and Cons of Filing
The Term "Bankruptcy"
Chapters 7, 11 and 13
The Differences Between the Bankruptcy Chapters:
Hiring a Bankruptcy Attorney
How Bankruptcy Affects Your Credit Report
The Three Possible Outcomes of Bankruptcy:
Chapter 12: Raising Your Credit Score in 10 Days: Fast Fixes When Applying for a Mortgage
The Rapid Re-Score
Determining the Factors That Are Affecting Your Score
Assembling Your Evidence
Fast Fixes That Do Not Require Money
Options for Raising Your Credit Score Without Spending Money:
Fast Fixes That Require Money
Options for Raising Your Credit Score When You Have Money to Spend:
Chapter 13: Marriage, Divorce and Credit: Being Prepared
Before You Get Married
During the Marriage
Planning for the Divorce
How to Handle Your Accounts and Creditors
Chapter 14: You've Been Served: What to Do When a Creditor Sues You
The Makeup of a Lawsuit
The Three Basic Parts of a Lawsuit:
Service of Process
The Three Common Ways Lawsuit Documents Can Be Delivered:
Your First Reaction
The Type of Court
Attorneys' Fees
The Three Ways Attorneys Charge for Their Services:
Chapter 15: How to Establish or Re-Establish Credit: The Building Blocks
Gasoline and Department Store Cards
Visiting Your Neighborhood Banker
Secured Credit Cards
Using a Co-Signer
Becoming an Authorized User
Maintaining Your Credit
Tips for Maintaining Your Credit:
Conclusion
Appendix A The FCRA: Fair Credit Reporting Act
THE FAIR CREDIT REPORTING ACT
TABLE OF CONTENTS
Legislative History
Appendix B The Fact Act; Fair and Accurate Credit Transactions Act
TITLE IV–LIMITING THE USE AND SHARING OF MEDICAL INFORMATION IN THE FINANCIAL, SYSTEM
TITLE V–FINANCIAL LITERACY AND EDUCATION IMPROVEMENT
TITLE VI—PROTECTING EMPLOYEE MISCONDUCT INVESTIGATIONS
TITLE VII—RELATION TO STATE LAWS
TITLE VIII—MISCELLANEOUS
TITLE I–IDENTITY THEFT PREVENTION AND CREDIT HISTORY RESTORATION
TITLE II—IMPROVEMENTS IN USE OF AND CONSUMER ACCESS TO CREDIT INFORMATION
TITLE III–ENHANCING THE ACCURACY OF CONSUMER REPORT INFORMATION
TITLE IV—LIMITING THE USE AND SHARING OF MEDICAL INFORMATION IN THE FINANCIAL SYSTEM
TITLE V–FINANCIAL LITERACY AND EDUCATION IMPROVEMENT
TITLE VI—PROTECTING EMPLOYEE MISCONDUCT INVESTIGATIONS
TITLE VII—RELATION TO STATE LAWS
TITLE VIII—MISCELLANEOUS
Appendix C The FDCPA; Fair Debt Collection Practices Act
TABLE OF CONTENTS
LEGISLATIVE HISTORY
Appendix D Bonus CD-ROM: The American Credit Repair Resource Center
Installation Instructions
Index
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