Fix Your Credit

Don't waste your money paying someone else to fix your credit report.
Author Daniel E. Ouellette spent years untangling his own credit reports, including accounts that belonged to another man with the same name. In this updated edition, he shows you step by step how to do it yourself, legally and for free.
Inside you'll learn how to:
• Get your credit reports and scores for free, every week
• Spot the most common errors, from mixed files to duplicate collection accounts
• Dispute mistakes with Equifax, Experian and TransUnion, and what to do when they say an item is "verified"
• Make debt collectors validate what they claim you owe
• Settle old debts, ask for goodwill adjustments and handle medical bills
• Protect yourself from identity theft with free freezes and fraud alerts
• Rebuild your credit once the errors are gone
Includes 9 ready-to-use sample letters, a tracking sheet, and current contact information for the credit bureaus and government agencies.
Written in plain English, with no legal jargon and no gimmicks. Just the steps that work.