The Institute of Consumer Financial Education Do-It-Yourself Credit File Correction Guide takes you through a step by step process of getting your credit files, and explains how to read them. You'll find an easy to understand explanation, on how your credit files are created and how they are kept Current. In addition, you'll find out who else can have a look at your credit and debt repayment history. The Institute of Consumer Financial Education Do-It-Yourself Credit File Correction Guide 2008 Edition will help you to identify what data and other information can be changed, and what follow up procedures will insure your success. This guide includes a credit file request form, and over 10 sample letters to smooth your communications with the credit reporting agencies in such areas as covering disputes, old information, removing incorrect information, and making other changes and additions.
´┐_The ICFE´┐_s ´┐_Do-It-Yourself Credit File Correction Guide´┐_ credit letters on CD ROM includes 52 letters: 1) disputes of all kinds, 2) additional credit references, 3) unauthorized credit inquiry, 4) subscriber request information, 5) letter to close an account, 6) consumer 100 word statements, 7) complaint letter to government agency, 8) mail list restriction request, 9) free annual credit file request form, and 10) credit file freeze letters. The wallet-sized CD Rom requires Windows ME or newer and Office 2k or newer, excluding Vista. A menu screen appears showing all 52 letters. There is a complete set of 14 letters to each of the major credit reporting agencies (Equifax, Experian and Trans Union) and four open letters to third parties. In addition to the letters there are Extras which includes two PowerPoint shows and more information about credit files, top 10 complaints and top ten reasons why people experienced credit file problems, plus the truth about credit repair.