Don't let your credit report hold you down from living a normal life.  Collection agencies can ruin your day with one phone call.  With todays economy it's hard to make both ends meet, gas at all time highs and groceries right behind.  Sure you may have a few late payments to creditors, but you still paid.  Maybe you have had medical emergencies that have piled up.  Marital problems could have helped create a bad credit report, maybe your spouse ran up bills without your knowledge during a divorce.

There are a million reasons someone gets behind on bills and is then punished on their credit report, sometimes for as long as 10 years.  When someone looks at your credit report for a loan, insurance, a new job or for any other reason, they just see the negative, that's what the credit report highlights.  You are not afforded the opportunity to try and explain why it's there, a loan officer pays for a credit report and that is what they will evaluate you with.  The time to explain why your report looks like it does, or the problems that led up to your negative credit standing and low credit score is not at the loan officers desk....IT'S NOW! 

Our Credit Windows of Opportunity are designed for helping you remove items on your credit report that should not be there.  If they can not be removed because they are legitimate, then you have a right as a consumer to explain the circumstances behind your debt and have it noted on your credit report.  If you have old items on your report, our credit report repair tools will show you how to dispute them and have them deleted from your credit file.

76% of all credit reports have items on them that should not be there and could be removed or corrected.  The credit bureaus are not in the business of checking every thing for accuracy, they place in the file what is given to them from creditors.  The burden then falls to you, the consumer, to check and dispute the information contained in your file.  Once you dispute something, the credit bureau has a limited time by law to investigate your dispute and either find it is warranted, or not, in which case they must remove it.  If you never check your credit report you don't really know what's there.  New laws require the 3 credit bureaus to give each consumer a annual FREE credit report.  They do not just send it to you, you must apply for it.  The information on how to do that and a link can be found on my resources page.
If you only take one bit of information from this site, let it be this; 

DO NOT FILE ANY DISPUTES YOU MAY HAVE.....ONLINE! 
 
There are a few reasons I say that.  The credit bureaus system online does not offer many choices for your dispute, or for your reasons for negative claims on your report.  Send your disputes by registered mail only, so you get a signature of someone who signed for your letter at the credit bureau.  Always send copies, never the original.  Keep good records of all communication with the credit bureau you are dealing with and dates.  The credit bureaus have a dispute form you must send them with proof of who you are, for privacy reasons and any other communication will not be accepted.

Open Up Your Windows Of Opportunity NOW!


All the information you need to do this work yourself is included in our Credit Report Repair Tool Package.  The laws favor the consumer, but if you do not know the laws, you can not take advantage of them.  Our credit report tool gives you all the information you need to "Do It Yourself".  Before you just jump in and start disputing every thing on your report, read through the information we offer, so when you do start the process, you have the knowledge and confidence to make a positive impact on your credit report.

Our informational tools are a one time fee of $19.95.  You are not billed monthly like some credit repair companies.  You will not pay $200-$500 or $800, as some advertise to clean up your credit.  You pay a total, one time fee of $19.95!

I am asked all the time why I offer this for such a low price...I make it affordable to everyone, not just a few.  I see no sense in adding debt to someone, by charging a outrageous fee.  In many cases the person needing this help already has financial stress, so I offer a "Do it yourself" system that if followed, can correct peoples credit reports, for much less.

We can offer lower pricing because...You do the work, on your own credit repair, which saves you hundreds of dollars, compared to what "the other guy" charges.  You do it in the privacy of your own home, at the pace you choose.  With the knowledge information we provide and the FREE credit reports you can receive, you can be on your way to financial freedom TODAY!  You have two steps to take to get there, first go to my RESOURCES page and apply for your FREE credit reports.  You can apply for all 3 by clicking the 3 in 1 ad for FREE CREDIT BUREAU REPORTS.....Step two is to go to www.CreditReportRepairTool.com and purchase your membership for repairing your credit.  You then are on your way to a better life style, which could be debt and worry free!