Our #1 Goal is to Help You Achieve Yours

You are here because you have poor credit and would like to improve your credit scores because they are keeping you from obtaining your desired home, starting your new business venture or getting low interest, unsecured credit cards so you can further build your credit. We've got the right solutions to your problems.

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You will save thousands of dollars because you don't have to hire a credit repair company to do it for you. We also help you gain a better understanding of credit and provide you with strategies to build your FICO credit score!

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We remove the pain of you having to figure everything out on your own by providing you with easy-to-follow step by step instructions!
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It's unfair to you that one simple mistake lowered your credit scores which takes 7-10 years for them to fall off. This is causing you to lose thousands of dollars that you can save for a future date. Stop letting the credit bureaus take advantage of your ignorance of the law and making billions of dollars by reporting your adverse items they never actually verified belongs to you (even if they do).
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Take Out 24 Seconds of Your Time to Check Out This Powerful Testimonial Below!

Follow These Steps to Get Begin Drastically Increasing Your Credit Scores

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Fill In Your DIY Dispute Letter Templates

After obtaining your Credit Healing Packet (which you will receive via download 1-2 seconds after your payment), follow the simple instructions to complete your letters. After completing them, you will print them out. This process is very easy.

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Bring Them To Your Nearest Notary Public

Take your letters to your nearest notary public to get them notarized. This step is only need for the dispute letters in the Gold Packet. This will cost you approximately $10 per notarized stamp so you will spend about $30 for all 3 documents. Click below to locate your notary by inserting a zip code of your choice.

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Mail Them Off Via The Post Office

Lastly, you will take them to the post office and mail them to the credit bureaus via certified mail. You will simply wait 30-35 days to receive your positive results in the form of a credit file in the mail. If needed, send the 2nd, 3rd, and 4th round of letters in the packet. Use the additional letters if needed as well. Feel free to contact us at anytime if you have any questions because we are here to help you!

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Don’t have the time or patience to repair your own credit? Hire us to do it for you!

Note: Your Credit Healing Packet will automatically download to your mobile device or computer immediately after your payment.

RUBY CREDIT HEALING PACKET


$49.99

ONE-TIME

  • * *Complete Gold and Diamond Credit Healing Packet**

Debt Settlement Letters

Stop Collection Agencies From Calling Letters

Dismiss Judgment Letters

  •  Remove 7 Year Old Account Letters

  • Chexsystems Removal Letters

Federal Trade Commissions Complaint Letters

Court (Legal) Dispute Letters

  • Tax Liens Dispute Letters

DIAMOND CREDIT HEALING PACKET


$34.99

ONE-TIME 

  • *Complete Gold Credit Healing Packet*

FREE Student Loan Removal Kit & Ebook

  • Late Credit Card Dispute Letters

HIPAA (Medical) dipsute letters

  • Repossessions Removal Letters

  • Follow-Up Letters (If Agencies Don't Respond)

Describe Investigation Process Letters

Bankruptcy Dispute Letters

  • Goodwill (Forgiveness) Letters

GOLD CREDIT HEALING PACKET

$14.99

ONE-TIME 

    • Easy-to-Follow Instructions
  • Simple Instructional Walkthrough Videos

  • 4 Rounds of Experian Dispute Letters

  • 4 Rounds of Trans Union Dispute Letters

  • 4 Rounds of Equifax Dispute Letters

  • Hard Inquiry Deletion Packet

7 Day Rapid Rescore Strategy

  • Creditors Dispute Letters

HARD INQUIRY REMOVAL PACKET

$6.99 FREE

ONE-TIME 

  • Hard Inquiry Deletion Packet 

This Is Why Our EASY Dispute Process is Guaranteed to Work!

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized

The Fair Credit Reporting Act REQUIRES the CRA's (Credit Reporting Agencies) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report.

(Website: https://www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf)

The FCRA Requires The CRA's To Verify All Accounts With Your Original Contract Along With Your Signature

The FCRA requires all CRA's to VERIFY all information received from the creditors BEFORE adding them to your credit file but since it will be time-consuming and costly, they are taking the shortcut by doing everything electronically which is not how the FCRA says it should be done. To help you know exactly where in the Fair Credit Reporting Act it says the Credit Reporting Agencies must provide copies of your signed documents that verifies the accuracy of your accounts in their files, I have provided you with 4 paragraphs (along with my paraphrasing of them for your understanding) so you know that your disputes are in 100% compliance with the law. Pay special attention to the italicized section of each clause. It reads:

Section 2 of Page 39 Of The FCRA States That If Asked, The Credit Bureaus Must Provide A Copy Of Your Original Contract

1. (2) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section. (Page 39)


Paraphrase: This is section is stating that if you ask in the right way, the CRA's must grant your request by providing you with the copies of the original documents you signed with the creditor(s).

Section (2)(E) of Page 39 Says That If The Accounts Are Outdated Or Cannot Be Verified, They Must Be Removed

2. (2), (E), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or cannot be verified. (Page 39)


Paraphrase: This section has two parts - one is stating that your adverse items must be removed if they are outdated and the other part, which makes this process very easy for you to succeed (smile), is saying the CRA must "verify" that the accounts are valid. The next clause describes how your account must be verified.

Section 1 of Page 40 States That The CRA's Must Provide A Copy Of The Original Contract You Signed Which They Don't Have

3. (1), a business... shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity. (Page 40)


Paraphrase: This section is stating that the CRA's must provide you with a copy of the original application or document you signed when you made a business transaction or applied for credit. Note: THEY DO NOT HAVE THESE ON FILE BECAUSE THEY RECEIVED EVERYTHING ELECTRONICALLY!!!

4. (2) Verification (B) of the information in the consumer's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. (Page 5)


Paraphrase: This section is stating that in order for your account to be considered verified, your CREDIT APPLICATION (i.e. a copy of the original document you signed) must be provided in which the creditors and lenders have in their possession - not the CRA's.

Proper verification according to the FCRA is that the CRA's must have copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files in order to place those items on your credit report, however, they don't ever review any documents or keep a copy of your credit application in their files.


The objective of these dispute letters is not to dispute whether your information that is being reported is valid or not, it is to dispute the CRA's RIGHT TO REPORT your negative items lest they provide you with a copy of the original documents you signed, in which they will never do because they never received them in the first place.

Therefore, according to the FCRA, all CRA's must provide must provide a copy of the verifiable original creditor documentation IF IT IS REQUESTED PROPERLY BY YOU THE CONSUMER, and since they don't have proof that the negative items are yours, then according to the FCRA, those items are classified as “UNVERIFIED”, and under the FCRA – all unverified accounts MUST BE DELETED. You have now been equipped with this POWERFUL knowledge... now you must use it to empower yourself!

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Features

COMPARE PACKAGE FEATURES

24/7 Customer Service

Easy-to-Follow Written Instructions


Simple Instructional Walkthrough Videos

4 Rounds of 4 Rounds of Experian, Trans Union and Equifax Dispute Letters 

Hard Inquiry Dispute Letters

Goodwill (Forgiveness) Letters

7 Day Rapid Rescore Strategy

Dismiss Judgments Letters

Late Credit Card Dispute Letters

Repossessions Removal Letters

Student Loan Discharge Kit and Ebook

Bankruptcy Dispute Letters

Medical Dispute Letters 

Federal Trade Commissions Letters

Cease and Desist on Collections Letters

Chexsystems Removal Letters

Request Credit Report Letters

Tax Liens Dispute Letters

And Much More!

Gold Packet

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Diamond Packet

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Ruby Packet

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"Before working with credit healing I had a credit score of 631 to 642. I went looking for a loan from Metro Credit Union and they told me to pay my debt to Bank of America first which was about $4,300. I found credit healing to be sincere, honest and true to getting rid of negative items. My credit score now is 795 and 790 and I paid absolutely nothing to Bank of America."

Kenold Joseph
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“I used Credit Healing – after my first dispute letter I had several deletions from all three bureaus. My FICO shot nearly 100 points. I just started my second round. Thank you!”

Jennifer Diaz
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“Great Great Product! Just simply follow instructions. It changed my life immediately. Best money I've spent and quite some time. Great investment!!!”

Maurice Jones
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“Thanks for the very helpful info and the willingness to help make peoples lives better. I am not affiliated with this company by any means - I am just a PROUD customer. Every question that I have had has been responded to FAST and with a clear understanding. So if you reading this and you are like me someone that was searching the web for weeks on credit repair. Look no further! It's WELL worth it or worth letting them do it for you. Thanks my man, good peoples here!”

James Jamison
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