Richard Mansfield - Clean Up Your Credit!: A Black Ops Guide to Credit Repair and Restoration

is a copy of the check.

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is a copy of the dispute letter I sent to Experian.

Its the exact letter I give you as a template in the for medical disputes.

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is the Experian reply to my letter challenging the item reported by Collections Service Bur. You can see toward the middle of their letter, under the heading Credit Items and Outcome, it says, Deleted.

The Credit Service Bureau item was deleted, and I made $1,001 because they continued to call on a debt that they couldnt prove was mine. The so-called experts advise consumers to tell collectors to stop calling. I never want them to stop calling. The more they call, the better the chances theyll violate your rights. Once they violate your rights, contact a consumers rights attorney in your area.

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Heres another one I put in the win column. is a letter I received from a collection agency, Capital Management Services.

I pulled my credit reports and they had not reported my account as yet. I sent the letter shown in , I explain how unsigned contracts are valid under the account stated doctrine. According to the FCRA and FDCPA, once I notified the collector that I wanted validation of the debt, they have two options; reply to the request or stop all collection activity. Not only didnt they reply they reported the account to Experian! Credit reporting is legally an attempt to collect a debt and a big no-no since they didnt reply to my request for validation.

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I sued in Small Claims Court. They wrote me and asked me to call them. They offered $400. I countered with $1,200. We settled on $800, with the conditions that they would wire the money to me to be received the next day, that they would not resell the debt, and upon receipt, I would dismiss the suit. is the release I filed.

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Heres the basis for another suit I filed.

It is deceptive to have an image on an envelope that would lead the consumer to believe that the letter is urgent when it is not. In , the image says, Restricted Priority and it is in the same green color as certified mail and has what appears to be a certified mail number. This was sent regular mail and is deceptive, in violation of the FDCPA section 807(10)(2): A debt collector may not communicate by a format or envelope that misrepresent the nature, purpose or urgency of the message. It is a violation to send any communication that represents a false sense of urgency. The intent is clearly to misrepresent this communication, as a certified letter, and as such, a sense that this letter is urgent is a violation.

shows the complaint I personally filed in Small Claims/Justice Court against National Credit Systems. Indicated under Plaintiffs Claim, I told the court what I claimed that they violated. They violated Section 808 (1 & 2), section 809 (6), and 807 (10) of the FDCPA. State the violation(s) as briefly as you can. Theres no need to go into detail unless you go to trial. I never saw the inside of a courtroom on any of my suits. You more than likely wont either.

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Next is a judge, notifying me that I cant file this suit against National Credit Systems in small claims court, that this is a federal case, and that he has no jurisdiction. The judge told me I had to show him the legal basis for and cite the legal authority that allows me to file the complaint in Small Claims Court. is the judges letter.

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The judge agrees that he does have jurisdiction (see ), hears the case, I win $1,000, and nothing is reported to the credit bureau. Once again this was my delinquent account, but they broke the law trying to collect it.

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Heres another win. The date on this letter () and the date the settlement must be in by are the sameimpossible to comply with unless I paid a fee for a check by phone or sent something like a Western Union or MoneyGram. Its a violation of the FDCPA for them to require me to do anything that will incur a charge for me that isnt called for in the original contract.

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The email I sent to my attorney () explains this FDCPA violation in more detail.

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I sued Alpha Collections and won $1,000. is a copy of the check.

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Judgments are easy to remove! Theres a copy of the letter I used in the (page 154).

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show another judgment deleted!

Forty-three agencies have information about you. Forty of them youve probably never heard of.

Credit bureaus (also called credit reporting agencies, or CRAs) have information about you, from how you pay your bills and rent to the medications you use and possibly even your gambling habits. Big brother is watching you!