Credit Repair

Sample Credit Inquiry Complaint Letter

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The following letter is suitable for complaining about inquiries made on your credit report. Businesses and individuals are not allowed to "pull" your credit without a "legally permissible purpose." A permissible purpose generally requires your…

Credit Repair After Foreclosure

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How Does Foreclosure Affect My Credit? Foreclosure devastates credit--the only greater "derogatory" on a credit report is a bankruptcy. If you follow your FICO scores, you would tend to see a drop in the 120 to 150 point range. The amount of…
Credit Repair

Legal Form | Credit Repair: Method of Verification Demand

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-This is a sample "MOV" or "method of verification" letter. It's an advanced tool in a consumer's credit repair arsenal. Before using it, you should read about Method of Verification.Experian701 Experian ParkwayAllen, TX 75013RE:…
Credit Repair

Method of Verification - Credit Repair Device

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At least one major credit repair website touts "Method of Verification" as a "secret credit repair tool." Well, not exactly. Method of Verification, or "MOV," refers to a statutory right that consumers enjoy to demand that a credit reporting…

Stop Debt Collectors

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Debt collectors are restricted by powerful state and federal laws from a wide range of practices. You can stop debt collectors from harassing you by following a few guidelines.The principal law that protects debtors from harassment is the…

Legal Form | Sample Letter For Credit Repair

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-This letter should be used by an individual when writing to a credit reporting agency (equifax, Transunion, Experian) when seeking to correct false or incorrect information on one's credit report.Remember: The agency must investigate or…

Sample Form | Credit Inquiry Dispute Letter

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Sample Credit Inquiry Dispute Letter-This letter is used for a very specific purpose: to ask a person or company to justify, prove authorization for, or remove an "inquiry" (a "hit" or "pull" of a credit report) by an unauthorized person…

What Happens After Foreclosure

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Foreclosure is the process by which a bank or lender takes possession of collateral used to secure a loan. Put another way, foreclosure happens to a homeowner when he or she doesn't pay their mortgage. Two Types of Foreclosure There are two…