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Everything You Don't Want to Hear About Credit Repair

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Super-simple credit repair guide on how to write a dispute letter

Access the dispute letter worksheets at for the worksheets.

Credit repair shouldn't be difficult, writing dispute letters shouldn't  be complicated. This is why I've created elementary ways for consumers to take the FACTS directly from their credit report and create their dispute letters.

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The truth about credit repair and the bubble of yours that needs busting

The truth about credit repair & the bubble of yours that needs bursting You may be getting frustrated with your disputes and wanting to jump ship/throw in the towel/etc. I get it. Results are NOT easy to come by. It takes PATIENCE and it seems to be something that literally no one has these days. It takes HARD WORK. I could go on for like 2 hours about how lazy people are, looking for that next "get rich without lifting a finger and do it overnight" type of thing. Nobody wants to put on their big-boy pants.  Well, I'm here to break your little bubble.  Everyone else wants to feed you a lie and dig into your pocket. It's all about the sales gimmic. Oh, haven't you heard about the letter-to-end-all-disputes, the 14-day sweep, the 4-letter remove it or I'll sue you, the guaranteed deletion in 4 business days credit repair lies? It doesn't exist. If it did, you wouldn't be reading this because you'd be doing it or would have done it already and y…

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BAD CREDIT COSTS YOU MONEY and you CAN'T afford NOT to fix it

Have you ever needed to split payment for lunch with friends and pulled out your prepaid debit card while they pulled out their credit cards?

What about having to wait to schedule a night out with those friends because your paycheck that week goes to rent or other bills?

Or having to ride the bus because you can't afford to repair your car?

If you could get into a new car and afford to take your friends to lunch where you pull out a credit card to pay the full bill, what would that mean to you?

If I could make this happen in less than 9 months on average, what would that be worth to you?

When I ask that question, I hear replies like "$1000s", "priceless", "$25,000", etc. But the great part about this is that I can get you there without the pain, without breaking your bank and without waiting years.

BAD CREDIT COSTS YOU MONEY and you CAN'T afford NOT to fix it. Trust me, you're already paying for it, you just don't realize it.

So, instead …

Delete ANYTHING with the new Credit Crunchtime Power Course!

Brand new 8-week course!


Based on popular demand, I've created this to learn how to specifically remove charge-offs, collections, late payments, bankruptcies, other public records, inquiries, identity theft, personal info and more. Each negative item type will have its own module!

Why did I create this? Well, most consumers don't realize that there's a difference to disputing each of them and IT MATTERS! Credit repair is NOT something you should take lightly and if you're currently using dispute letter templates OR are with a company that does so, you are NOT doing your future any favors!

What will you learn, you ask? - How to dispute everything listed above - How to beat the bureaus @ their own game - 4 reasons using NOT MINE is suicide - 5 ways to dispute an inquiry - 3 reasons why factual disputes will remove a bk faster than blocking 3rd parties - 4 ways to remove a collections -2 biggest elements of an account to target highes…

Dispute Letter Tactics: The Stacking Technique for Credit Repair

Access the 2 downloads at for free - no email required!

Use this worksheet and map to create your Stacking Workflow (using the Stacking Technique). This is b asically where you just become a huge pain in the  behind and keep shooting at them with everything that you have.

You're going to break down your dispute letter and your dispute reasons and figure out whether to challenge or come at them with a new disputre reason.

You want to begin by looking at the following:

Was the account verified?

If yes, should you challenge or use a new dispute reason?

Should you use a simple request letter or a demand dispute letter?

Do you have a higher probability of result with a CFPB complaint or not?

Shoul you write the original creditor or the collection agency?

To achieve the highest number of deletions and the highest FICO, you need to learn to break down the process and use the best ammo against them. Attack the FCRA violations a…