So, What is the difference?

20 Different Trade Line Dispute Campaigns

Unlike other credit repair software where you select random dispute letters, Self-Credit Repair Dispute Software allows you to pick from 200 pre written letters and 20 different trade line campaigns that will assist you with fixing inaccurate, misleading, incomplete and unverifiable collection accounts, charge-offs, slow pays, public records and other inaccurate information on your credit report.

Dispute with Creditors and Collectors

Most consumer base credit repair software do not come with direct creditor and collector dispute campaigns, but this one does. Operating under the guidelines of the Federal Trade Commission, you will be able to challenge inaccurate and incomplete information directly with the creditors and collectors with powerful dispute letters. The software gives you the capability to respond to any stall letter the creditor/collector or credit bureaus send you.

Dispute Strategies and Techniques

Have you ever bought a credit repair software, but were confused as to what letter to send and what to do next if the credit bureaus refused to remove inaccurate, misleading, incomplete and unverifiable information from your credit report? Well, if that is the case, the dispute strategies and techniques in this software will show you step-by-step techniques on how proceed with each dispute campaign.

Credit Repair Training

Want to learn how to rebuild your credit, raise your credit score, settle your debts, protect yourself against identity theft, and get answers too hard to find credit repair questions?Well, in this powerful software, you will never have to ask yourself that question again. Learn these strategies and techniques through video, audio and text, and it’s free.


  • 3 Sure Fire Ways on How to Repair Credit

    If someone has ever had to deal with poor credit, they have also probably asked that all important question; how does one go about repairing their credit? In this article is three ways to do just that. Credit ratings are extremely important to take care of; there are many reasons that a person's credit rating can be bad; missed or late payments, foreclosures, and many outstanding debts just to name a few. The following is some helpful information about how to repair credit. (more…)

  • Free Credit Report4 Ways to Get Free Credit Reports

    Bad credit can be disastrous to one's financial being. In fact, a person who has a problem with their credit history may have trouble getting a mortgage, a car loan, or even a personal loan. A person may have to pay higher insurance premiums, or even lose out on employment opportunities. One may also have to deal with a high-interest credit card because that is the only kind they can get. However, there are ways a person can deal with this, starting by getting an official report. This is the way someone can tell what his or her credit rating is, and repair it. The Fair Credit Reporting Act, or rather FCRA, requires the nation's three credit reporting companies provide free credit reports, at a person's request, every year. TransUnion, Experian and Equifax are the three major players, and all are involved in this process. There are four ways to get one. (more…)

  • 5 Easy Ways To Find Home Loans for Bad Credit

    For those who dream of owning a home, but have less than perfect credit, there are still options. There are several creditors who offer home loans for bad credit. While these loans do not typically have prime interest rates, the loans make it possible for everybody to fulfill the American dream of owning a home. Once a person’s credit has been built up, refinancing is always an option. Here are Mark’s tips for finding a home loan with a fair to good credit score that doesn’t qualify for prime rates. (more…)

  • 5 Mistakes to Avoid when shopping for Bad Credit Home Loans

    For those who want to buy a home, but don’t have the best credit, there is still an option. Bad credit home loans are out there and can help a person buy a home. However, there are some mistakes that can and should be avoided at all costs before applying for a loan. Here are five mistakes every person should avoid. (more…)
  • 5 steps to a high risk merchant account for new credit repair companies 

    Starting a credit repair company can be a lucrative business that will ultimately help a great number of people. However, collecting payment for services rendered can be difficult due to the fact credit repair companies are issued a high risk merchant account status. High risk accounts will have higher fees that can eat up profits, but trying to circumvent the system by falsifying an application for a merchant account is not an option. It can cost a lot of time and money in the long run. The following are 5 steps for new credit repair companies to take to get a merchant account. (more…)

  • 5 Things a Consumer Better Know About Bad Credit Car Loans

    A car is often viewed as a necessity for most people. Reliable transportation is necessary in order to maintain a decent job. Without a job, it is nearly impossible to pay bills and establish credit. Unfortunately, for people with bad credit, it can sometimes be difficult to obtain a loan to buy a car at an affordable rate. However, there are bad credit car loans available for those who need them. Before seeking out a loan, Mark has 5 tips every consumer needs to know about these types of loans. (more…)

  • 5 Things to Know About a Surety Bond When Starting A Credit Repair Company

    A credit repair company is an excellent business to get into and can become very successful with a little hard work. As with any new business startup, there are some safeguards that must be put in place before “opening the doors” so to speak. One of the things every credit repair company needs is something called a surety bond. Most states require one of these bonds before a business can be legally registered. The following five items are what every person considering starting a credit repair business needs to know. (more…)
  • 5 Things to Know About a Surety Bond When Starting A Credit Repair Company

    A credit repair company is an excellent business to get into and can become very successful with a little hard work. As with any new business startup, there are some safeguards that must be put in place before “opening the doors” so to speak. One of the things every credit repair company needs is something called a surety bond. Most states require one of these bonds before a business can be legally registered. The following five items are what every person considering starting a credit repair business needs to know. (more…)

  • 5 Ways to find the best secured credit cards

    A person who needs to repair, or build up their credit, may want to look at signing up for one or more secured credit cards. With this type of card, a person makes a deposit and can then make charges up to that amount. One can charge purchases, and either pay off the balance or make minimum payments over time. The credit card holder, though, is responsible for ensuring the company that supplied the card reports it to the three major credit bureaus. There are five main things a person can do to find the best secured cards. (more…)

  • How to increase credit score6 Tips on How to Increase Credit Score

    Knowing how to increase credit score is something that needs to be a concern for anyone and everyone. In today's world getting a loan or line of credit is often times essential, but without a good or even great credit score a person will inevitably be denied. Now is the time to start working on bettering credit scores. The following is six tips to help do just that. (more…)

  • collection agency from harassing your6 Ways to Stop a Collection Agency from Harassing You

    A person who is under constant harassment from a collection agency knows just how agonizing it is to get constant phone calls and other communication. This may happen if one is behind on some bills, or even accidently targeted through a case of mistaken identity. It does not have to have such a big impact on a person's life, though. There are things a person can do to stop the harassment from happening. The Fair Debt Collection Practices Act prevents debt collectors from taking certain actions, like those that are deceptive, unfair or abusive towards consumers. (more…)

  • Can Credit Repair Software Help Raise My Credit Score

    For those who have suffered the effects that a bad credit score can have, the question of whether or not credit repair software can work to help mend the damage done to this life altering number is certainly one of intrigue. The notion of a simple software program that can be a ‘fix it all’ for a low credit score is certainly appealing, yet many are not informed as to how these programs truly work. The truth is, there is no ‘fix all’ for a poor credit profile, but credit software does offer some unique tools to help get to a more ideal credit score. Take a look at some of the ways credit software can help to remedy a railing credit score. (more…)

  • Credit cards for bad  creditCredit Cards for Bad Credit: What You Should Know

    For those individuals who suffer from bad credit, considering credit cards for bad credit, also calledsecured cards, might seem like an ideal option to help rebuild their credit scores. However, before signing up for any credit card, no matter how appealing it may sound, there are five important considerations that consumers need to keep in mind before attaining a secured card.


  • Credit help: Five Tips When looking for Credit Help

    In the past, people may not have paid a great deal of attention to their credit score, but nowadays, it is very important to have healthy credit. Poor credit may keep a person from fulfilling their dreams of owning a new car, buying a house or even buying new furniture. The standards for getting a loan have dramatically increased, which means it is necessary to take action now to get the credit help that is necessary. The following five tips will help raise a credit score and ultimately, achieve those dreams.

    1-Do some research before contacting any company or organization for credit help. Unfortunately, there are plenty of folks out there who are willing to take money and make promises they cannot keep. Ask friends or family members who have used credit repair services for advice, contact the BBB and do some online research before hiring a company.

    2-Once a company has been decided upon to help repair the damaged credit, get everything in writing. It is important to have a clear understanding of the fees that are associated with the service, how long it can be expected to be in the credit repair program and how the money put into the program will be distributed to creditors.

    3-Be prepared to be held accountable for your spending. Credit repair will require the client to buckle down a bit and a budget will need to be set in place. Each person must be willing to follow the advice of the professionals. If a company does not offer any kind of credit counseling with the service, it is a good idea to look for one that does.

    4-A person must be open to changing their ways, closing down certain accounts and ultimately, curbing their spending. The company offering the credit help will do all of the heavy lifting so to speak, but everyone must be willing to stick to the plan.

    5-Look for a company that will offer some sort of a guarantee that backs up their services. A company shouldn't ask for money up front. The goal is to get out of debt and nobody needs a shady business pushing them further into the debt hole.

    Everybody runs into financial trouble from time to time. It is possible to raise a credit score with a little credit help from professionals who are familiar with what it takes to do so. Credit is too important to leave in the hands of just anybody.

  • Credit Repair Software: Can it Really Help Restore Credit

    It has become increasingly clear that a good credit score is imperative for those who wish to enjoy some of the finer things in life. The definition of good and excellent has changed in the past 10 years and a score that would have been considered good 10 years ago, is now considered acceptable or even poor. That means it is essential for people to do everything possible to restore their credit. Credit repair software is an option for those who prefer a do-it-yourself approach. These five tips will help those who are looking to use the software to repair their credit.

    1-Choose a credit repair software program that is affordable and does not have any hidden fees. There are plenty of programs that offer free services in the beginning and then exorbitant rates are charged every month. A program that charges one flat rate is ideal.

    2-Use the software to write letters to creditors that have reported inaccurate information. Things like late payments, inaccurate balances or judgments can all be disputed if a company has misreported the information to a credit bureau and negatively impacted a credit report.

    3-Research the results of other people who have used the software. Be wary of claims that sound too good to be true. One way to determine whether a company is legitimate is by checking out the website. A website that is filled with claims of overnight results or filled with articles that are full of grammar and spelling mistakes are often a sign of a fly-by-night company.

    4-Credit repair software that offers a money back guarantee is always a better option. It is important a person gets their money’s worth especially when debt is an issue. If a creditor refuses to cooperate, a guarantee means a person will get help with disputes.

    5-While repairing credit, a person will need to make an effort to pay down any existing balances. Even if a line of credit is paid off, it should be left open. This actually helps improve a credit score and shows a person’s ability to pay off balances. During the repair process, avoid opening any new lines of credit.

    Repairing a damaged credit score does not have to cost a lot of money or be extremely time consuming. One of the major benefits to using credit repair software is the ability to cut out the middle man, or in this case, a credit counseling service, which can save money. 

  • credit repairCredit Repair: How To Improve Your Credit Score

    Many Americans are searching for the answer to their credit issues, and many of these same individuals are wondering whether or not credit repair is even legal. Because a credit score dictates everything from housing approval to even job approval in some professions, it may seem like an untouchable number that one cannot alter for the better without penalty of the law. But, the truth is, credit scores can often be altered for the better through credit reparation. While this is not an overnight process, there are plenty of legal measures an individual can take to improve their credit score.

    Use a credit card - Having a credit card in which the balance is paid off on time each month can actually work in to improve a score over several months. The goal is to maintain low balances and pay off the bill in full each time it is received. For those who don't qualify for traditional credit cards, a secured card can also help in credit repair efforts.

    Dispute false items – In some occasions, individuals might have a poor credit score because of debt on their credit report that is not theirs. Protesting these discrepancies can often result in them being removed from a report, which can improve a credit score.

    Verify all current limits are correct – Sometimes credit bureaus will show credit limits as being lower than they actually are, which can depress a credit score. In this case the lender can be contacted to have the problem corrected.

    Contact lenders for potential late payment forgiveness – There are some lenders who will overlook some of the late payments that can affect a credit score after an individual has demonstrated a period of on-time payments. If this is the case, contacting a lender and asking to have these late payment marks against you removed can with credit repair.

    Reuse old credit cards – The credit cards that have been buried for years, but are still open can help to improve a credit score. The older credit history of an individual the better, so by using these cards for even small purchases, and paying them off monthly, they can actually help a sore more than ignoring them or closing the accounts altogether.

    These are just a few of the ways in which an individual can work to repair their credit score on their own and in a legal manner. However, keep in mind that credit repair should never be done through falsification of identity or misrepresentation of oneself or credit history. Attempting to improve a credit score through these methods is illegal.

  • During the course of an individual's life, many things can occur that cause their credit score to become damaged. When considering credit and credit ratings, consider also that everyone starts out with no rating at all. No matter which category someone falls into, they are now faced with trying to build their credit up. To many, this seems to be an extremely daunting task, but it does not have to be. The following is some of the top tips on how to build credit up so anyone can have great credit ratings. (more…)