2004 BRIAN T. MCGLONE
Welcome to the first step toward repairing your credit! This guide is based on my
personal experience and I make no claims as a professional credit repair consultant,
however the suggestions contained in these pages worked for me.
Lots of people ask if it is possible for their credit to improve and the answer is “Yes”. No
matter what how your credit appears, there are things that can be done to repair it and
make it possible to purchase things on credit. It will require much work on your part but
once you start seeing the results, you won’t regret it.
This guide is very straight forward and offers suggestions on “how to” go about repairing
your credit, the rest is up to you. First I will walk you through the steps to repair and
improve your credit and then make some recommendations on how to re-establish and
maintain your credit and keep it in good standing.
Know Your Rights
Knowing and understanding your rights is the first step toward improving your credit.
The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness,
and privacy of information in the files of every “consumer reporting agency” (CRA).
You can find the complete text of the FCRA at the Federal Trade Commission’s web site
Brian……..You can insert the outline attached if you so choose
Request a copy of your Credit Report
Enclosed are the names, addresses and phone numbers for all three Consumer
Reporting Agencies. If you have had credit declined in the past 60 days, you are entitled
to a free copy of your credit report from that agency. You will need a copy of the
“statement of credit denial” and include with letter #2. Sometimes a toll free number is
provided to request your copy of phone. There is usually a reference code to refer to
when making the call. If you have not been denied credit, you may request a co