Description
How to dispute credit report errors, remove inaccurate negative items, rebuild your credit and get funding, with FCRA dispute letters and a 90-day action plan.
Part One. Clean it up. Eleven chapters, one for every kind of negative mark: hard inquiries, charge-offs, third-party collections, bankruptcies, late payments, student loans, repossessions, evictions, medical collections, child support arrears and reinsertions. Each chapter gives you the statute that protects you, the step-by-step play and how to know you have won.
Part Two. Build it up. Eight chapters on the half most guides skip: what actually moves your score, the utilization play, goodwill letters, building from a thin file, credit age and mix, inquiry discipline, negotiating without restarting the clock, and turning personal credit into business credit.
Part Three. Run the play. A 90-day action plan, an escalation ladder, the scams to refuse, five ready-to-send letter templates, printable trackers and a plain-English glossary.
Educational material only. Not legal, tax or financial advice. No specific credit score, item removal or funding outcome is promised or guaranteed. Accurate, current and verifiable information cannot lawfully be removed from a credit report.