Ok folks. I hope your ready because I'm about to show you how to quickly and efficiently repair/clean up items to your credit report. As we all know, there are hundreds if not thousands of companies charging thousands of dollars on how to clean up or repair a credit report of derogatory information. I plan to show you in great detail how to clean up or repair your credit in simple, easy and efficient steps. I will write a blog post only twice a week and plan to answer any and all questions. Why am I doing this? That's simple........because I CAN. I know I may offend some of you who may be in the "credit repair" business but I honestly believe that everyone with a Social Security number should have great credit. Your CREDIT SCORE is a reflection of "YOU" and is an important and necessary factor in all phases of daily life.

DISCLAIMER: I am not in the business of credit repair. I am not an attorney. Any information I may give is solely my personal opinion and not be taking as legal advice.

Now that I got all the legalities out of the way, lets talk about CREDIT and CREDIT SCORES. I wont go into the history of credit, what are credit scores and all the things you SHOULD already know. I will focus on derogatory credit and what already exists on your credit report. I'm sure most of you have already tried "credit repair" in the past by disputing some items on your credit report with the credit bureaus. What I mean is that you most likely mailed, or submitted online, a dispute with one or all of the three major credit bureaus contesting an item or items that appear on your credit profile. I call this the "shotgun" approach and some people do it for valid reasons and some do it as a tactic to hopefully have some negative items come off their credit report. This is not a "sane" way of doing things and we all know that if the credit bureau verifies the account, then they will no longer allow you to dispute that account so easily as they may call it frivolous. So what are the steps? What is the CORRECT formula for systematically removing items from your credit report? I will outline the first step in my next blog post. What I would like you to do in the mean time is to get a copy of your credit report and have it in front of you when my next blog goes up in about three days. Thats right! Every THREE DAYS, I will show you step by step on how it is done. If I somehow assist you, any mortgage referrals would be greatly appreciated. See you in three days!