609 Letter Templates
& Credit Repair Secrets
THE BEST WAY TO FIX YOUR CREDIT SCORE LEGALLY IN AN EASY AND FAST WAY
(INCLUDES 10 CREDIT REPAIR TEMPLATE LETTERS)
BRADLEY CAULFIELD
Table of Contents
Introduction
Congratulations on purchasing 609 Letter Templates and Other Credit Repair Secrets, and thank you for doing so.
The following chapters will discuss everything you need to know to finally get rid of some of that debt around you and get your credit score up and doing well in no time. There are a lot of things in our modern world that are going to rely on our credit scores being high and strong, and having a low score from any number of issues is going to be imperative to the success that we can have when taking out a loan, purchasing a home, and so much more. This guidebook will cover all of the tips and tricks that we need to know in order to get started with all of this as well.
The first part of this guidebook is going to spend some time talking about our credit scores and what we are able to do to increase them and make sure they are going to work well for us. If you have a low credit score, this part is going to help you out because it shows the steps we can take to get those scores up to something that will get lenders to look our way.
Some of the topics that we will discuss in this section include what the FICO score is all about, some of the ten secrets of credit repair along with some of the common myths that we need to be careful about to ensure that we can get our score up, what are some of our actions causing harm to our credit score, and even how to pay down our debt to get that score up. We will also take a look at some of the best tips and steps that we can take in order to not only get a good credit score but to get the score up to 800+!
Then it is on to the second section of this guidebook, where we are going to take a look at a little loophole found in the law books. This is completely legal to do, but it is also something that is not well-known, and many people don't realize how they can utilize it for their own needs to clear off their credit reports and get debts to go away. This is known as Section 609, and we are going to spend a good deal of time looking this over and figuring out the right steps to take to make it work for us.
In this section, we are going to take a look at what this Section 609 is all about, what rights it is able to provide to the consumer, and how we can write out some of our own disputes to make sure that we are getting things taken care of and ready to go. We will also look at how to proceed with the letters, what to do if no one responds, and some general advice that will make sure that you can really get the most out of these letters and get someone to respond to you.
You will also find that the third section of this guidebook is going to be particularly useful as well. This is the part where we are going to look at some of the templates of the letters that you can write out. It is sometimes hard to get started with these kinds of letters and to know what to say, and often getting started is going to be the hardest part of all. This section is going to include quite a few template letters that you are able to work with to ensure that you are set and can get started on this in no time.
No one wants to have bad credit follow them forever, and it is not fun to work through your credit and feel like you are not getting anywhere it at all. And in the traditional manner, it could take you months and even years in order to get the score up, especially if you are dealing with some bad collections and judgments that are going on in the past. Working with Section 609 will ensure that things get back on track and can help improve your credit score immensely in a short amount of time.
Many people do not know about the 609 code and may feel that it is a lot of work for just a little bit of profit. But it is a loophole that anyone is able to use, and if it works for you, then it is going to ensure that you are able to get through and clear up your credit score. When you are ready to learn more about your credit score and how it works, and what Section 609 is all about and how it can help raise your credit score, make sure to check out this guidebook to help you get started.
There are plenty of books on this subject on the market, thanks again for choosing this one! Every effort was made to ensure it is full of as much useful information as possible; please enjoy it!
Part 1
All About Your Credit Score
Chapter 1
All About the FICO Score
Before we are able to do much about our credit and ensure that it is no longer low and causing us issues, we have to learn more about our credit score. There are actually a few different scores available that we can look through, and each one will rely on a different algorithm to determine how high or low your score is. However, the score that we need to concentrate on is the FICO score. This is the one that most people who will offer you money as a loan will look at, so it makes sense that this is the one that we want to focus on.
What is a FICO Score?
To start with, we need to take a look at what the FICO score is all about. This is a three-digit number that is based on the different information that is found on your credit reports. It is going to help lenders figure out the likelihood that you will repay a loan or not. This, in turn, is going to affect how much you are allowed to borrow, how many months they will give you to repay, and how much you will pay in interest rates or the cost of the loan to you.
Any time that you decide to apply for credit, lenders need to find some manner that is fast and consistent with deciding whether it is a good idea to loan out some money to you in the first place. And it is pretty much guaranteed that they re going to take a look at your FICO score.
A good way for us to think about this FICO score is a summary of your credit report. It is going to take a look at a number of different features, including how long you have had credit, how much credit you have, how much you are using your current available credit, and whether or not you have been good about making payments on time or not.
Not only does this kind of score helps lenders and more make decisions that are faster and smarter about who they will loan money out to, but it is also going to help most consumers get fair and fast access to credit when they need it the most. Because these scores are going to be calculated based on the credit information that pertains to you, you can really influence your own score if you make sure that you don't carry on too much debt, you pay all of your bills on time, and you ensure that all of your choices are smart for your credit.
About 30 years ago, the FICO or the Fair Isaac Corporation debuted these scores in order to provide a good industry-standard for scoring how creditworthy each individual consumer was. This was meant to be a system that was fair to both consumers and lenders. Before this score, though, there were a lot of different scores, and all of them had different methods of calculating how good your score was. In fact, some of these factored in things like political affiliation or gender as well.
