D.I.Y Credit Repair part 1 of 5


Do It YourSelf Credit Repair

5 part series

I want to give this information to you in a way that makes sense and will help most people out. Please note my disclaimer:

“I am NOT a lawyer, I am NOT a tax professional, I am NOT a CREDIT Professional. I am just someone who has had great results with this information I have gotten from someone who owned a credit repair agency. I got this information for free to me and so I am sharing it with people who follow me. If you have questions, need more help or advice about any credit issue you please seek out your local credit professional.”

 Credit Report


Amounts Owed Tips

  1. Keep balances low on credit cards and other “revolving credit”. …
  2. Pay off debt rather than moving it around. …
  3. Don’t close unused credit cards as a short-term strategy to raise your scores.
  4. Don’t open a number of new credit cards that you don’t need, just to increase your available credit.

Anything you don’t want on your credit report, do this process! It does not matter if it”s a foreclosure, 60, 90 days late, collection, or bankruptcy. It does not matter if it’s your fault or not, it’s the process that will get this done.



  1. Signed receipt and (Post Office) certified mail
  2. Copy of your Drivers License
  3. Utility Bill (if you have one. if not its still okay)
  4. Copy of Social Security Card


Place no more than 5 negative items per letter per Credit Bureau

Ex: If Transunion has “6” negative items send 2 letters if Experian has “0” negative letters then send no letters.

Company Name               Account Number                Discrepancy

Chase Bank                      1234567890                          Never Late

Circuit City                       1234567890                         Not mine

Best Buy                            1234567890                         Paid prior to collection

Bank of America              1234567890                         No recollection of account

*Discrepancy is just to initiate the process. There is no legal ramifications if they return proof that you were late.

Because of the Fair Credit Reporting Act, you can request proof you were late if none is provided by the Accuser within 30 days, it is removed from your credit report.

Credit Bureaus:

Equifax Information Services

P.O. Box 740241

Atlanta, GA 30374

 Experian Information Services

P.O. Box 202

Allen, TX 75013

Trans Union

1561 E. Orangethorpe Avenue

Fullerton, CA 92831

Letter #1 (get things started)

Your Name


City, State Zip Code

SSN: 123-45-6789

DOB: 01/02/2016


Today’s Date


Customer Service

Credit Bureaus Address

I, Your Name  am personally forwarding you the attached request for corrected, credit report.

I request that the following inaccurate items be immediately investigated because they are incorrect.

Company Name               Account Number           Discrepancy


Please notify me when the items have been deleted. You may send an updated copy of my credit report to the above address. Also, please send me names and addresses of individuals you contacted so I may follow-up.

Best Regards,

Your Name


Please do not send this letter just yet. Tomorrow’s post works together with this post. You NEED them both before you start to take action. For now, you should have a copy of your credit report and have written all the letters you need to send out.


About Mastering You

"Mastering You, leads you to Understanding, Developing and Using the Master in You" Mr. Toliver teaches the "Process of Manifestation" as a vehicle that will allow people to master their inner self, through his book series called, "Mastering You". Having worked for more than 30 years as a social worker and as an entrepreneur he combines life experiences of overcoming depression, attempted suicides, managing additions, loss of friends from 9/11, his near death experiences and wraps them all up into talks that leaves every group spellbound. Connecting with his audiences through his animated, motivational and inspirational talks that are guaranteed to reach every group at every level. The process of manifestation focuses on honoring God and changing our thinking to gain success. Mr. Toliver teaches everyone how to overcome life's obstacles which clears a path to getting the things you want.
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