D.I.Y Credit Repair part 4 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.”

So they have sent NO proof at all. Well, we are not done yet! Now we send our ALLEGED CREDITOR LETTER.

Your Name


City, State Zip Code



Today’s date

Customer Service

Credit Bureaus Name


City, State Zip Code

RE: Company Name, Account Number

To whom it may concern,

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you and you have returned correspondence to me and stated you were able to verify these debts. How is this possible? Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and have been unable to get them to verify the information that they are reporting to you, they have not even verified that these are indeed my debts.

I enclose copies of my request to the creditors, asking them to validate my debts. These debts are not mine and I was given no evidence of my obligation to pay these debts to these creditors.

The FRCA requires you to verify the validity of the items(s) within 30 days. If the validity can not be verified, you are obligated by law to remove the item(s). There is a clear case of unverified debt here, and I urge you to remove this(these) item(s) before I am forced to take legal action.

I request that you send me a copy of my updated credit report showing the elimination of the items which I disputed on the attached letters. This copy must be postmarked within five days after signing the certified mail receipt for the letter you are holding.

If I do not receive an updated copy of my credit report with the disputed items dropped, my attorney will pursue my legal rights under 15 USC section 1618o of the Fair Credit Reporting Act, “Civil Liability for Willful noncompliance.”  Your credit bureau may be liable for:

  1. Any actual damages I sustain by your failure to delete the items
  2. Defamation
  3. Violation of Fair Credit Reporting Act
  4. Punitive damages as the court may allow
  5. Costs of the court action, plus attorney’s fees

Best Regards,

Your Name


Remember you need to attach (not a copy) the business card of a local lawyer who deals with credit. You don’t have to hire them you can just pay their office a visit and ask about their services. Upon leaving request a few business cards for friends and family. That should be enough.

Remember these letters have two things going for them:

  1. You are stating the law and you are giving them the actual location of the parts that are relevant to your case.
  2. You are showing them that you do have a lawyer and you are not afraid to use them.

That’s powerful and they will comply. No one wants a lawsuit!


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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