45Credit.com - Take Control of Your Credit & Identity

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You must have a copy of your 3 credit reports in front of you. If you do not have a copy of your report you can obtain it for FREE be going online at www.annualcreditreport.com or you can order your reports for a small cost at www.myfico.com , www.experian.com , www.equifax.com , www.transunion.com , or many other websites. A lot of people tell us that they get all 3 reports from there car dealership or their mortgage person. Reports can be up to 90 days old but the more recent the report is the more accurate the information should be. DO NOT WORRY IF YOU CANNOT GET YOUR CREDIT REPORTS ONLINE INSTANTLY. 45CREDIT.COM ALLOWS YOU 45 DAYS TO SIGN UP TODAY AND GIVES YOU TIME TO RECEIVE YOUR CREDIT REPORTS BY MAIL.
There are only 4 easy steps that you input information per simple instructions. The 4 input fields are described below:

Input your name, address and the number of accounts that you have on your credit report. Even if you put the wrong number of accounts in, 45Credit allows you to adjust this in the following steps. (Might take you a minute to do.)
Look at the "Past Due" Column on the credit report. Type in the name of the creditor, the account number, the amount that shows in the "Past Due" column and date account was opened and closed. All of this information is on your credit report. (Might take you only 2 to 3 minutes .)
Look to see how many OPEN credit cards you have and fill-in the sections for each open, revolving credit card. Type in the Creditor name, Account number, balance and the Credit limit showing on the credit report. (Might take you only 2 to 3 minutes)
List below the negative credit accounts showing on the credit report that You Think are incorrect. (Check all dates, amounts, creditor information, payment history etc.) Negative accounts are accounts that contain any of the following: (Late payments, charge-off, repossession, foreclosure, collection, judgment, tax lien, bankruptcy, account included in bankruptcy, and settlements. After you have entered creditor name and account number, please go to the drop down menu and click on the dispute that best describes your situation. Here is where you will find over 20 different disputes, just choose the dispute closest to your situation.
BONUS: You have access to the 4 steps twice. Use it for you and a family member or friend.

Click the "Submit" button and (in PDF) you will receive more help & information than hiring an attorney that can charge you up to $3000. Just print, sign and mail. Here is what you can expect:

Dispute letters to the "Credit Reporting Agencies" with their name and address.
Dispute letters from other Federal Laws to the "Creditors". We call this "Dual Challenge" which gives you 2 avenues (instead of 1) to correct items fast.
Dispute forms to help expedite Identity Theft issues on your credit reports by using the Federal Trade Commission's (FTC) ID Theft Affidavit documents and other ID Theft solutions.
Access the banking institution's "credit report" called ChexSystems revealing vital information pertaining to your checking and savings account history. Use the forms to receive your FREE report and information on disputing.
Credit education based on the college course "Raise your Credit Score" in order to maintain the best credit score possible.
The "Credit Score Accelerator" otherwise known as the "Action List". The Action List gives you personalized, simple actions that you can do to further increase your credit score in as little as 3 to 5 days. This Action List finds other simple things that are hurting your credit score. Remember, 65% of the algorithm that makes up the credit score has nothing to do with negative credit.
Free month of the best ID Theft protection on this planet backed by a million dollar guarantee. You will receive an email 5 days after you sign up for 45Credit.com to utilize this incredible ID Theft protection service. If you wish to continue the special 45Credit.com cost is only $9 per month with no monthly contracts.
Lastly, our professional staff is only an email away to answer any question on 45Credit.com.