We Make Credit Repair EZ !
As a Client You Get Credit Repair Made EZ! With our EZ homebuyers Program we show you the strategies
to repair and establish your credit. Then we help you get poisoned to qualify for the best obtainable loan
when you are in the best position to do it -- after you have built a rock solid credit foundation. All this
amounts to literally hundreds of thousands of dollars over the course of a typical loan. Just another
advantage we offer our clients.
And, We Make It EZ – We Stake Our Name On It!
Good credit is essential in America today, because so many of the things we want to buy must be financed
or bought on credit, like the purchase of a home. And once you have a bad credit rating, it is nearly
impossible to avoid detection. A vast network of credit reporting agencies keeps track of every American
who does business or buys on credit.
These agencies are the gatekeepers of credit. Each time you apply for credit through a bank, store or
credit card agency, the prospective lender typically checks your current credit rating with one or more of
these agencies. There are nearly 2,000 credit bureaus in the United States, but there are only a few large
regional bureaus, which process millions of credit reports each year and boast tens of thousands of
business subscribers.
Subscribers are the many businesses that pay to obtain the credit information contained in a bureau’s
files. Subscribers rightfully believe that the information contained in your credit file is a good indication of
your credit worthiness, since how you have paid other creditors in the past is an indication of how you may
act in the future.
Subscribers also use your credit file to verify information you have provided on your credit application.
Making sure that your credit report is accurate and up-to-date is the first and best step you can take to
ensure the strength of your credit. Our EZhomebuyers program shows you how to access your credit
report and how to make the bureaus’ updates of your report work to your advantage. Start today to build
the credit you rating you need.
I know this may sound daunting, however, We Make It E-Z – We Stake Our Name It!
It’s EZ to Improving Your Credit.
So, how do you improve your credit?
It’s EZ. There are two steps you should take before you attempt to improve your credit worthiness.
Step 1
Before applying for any credit, check your credit report to be sure that there are no negative marks on it.
Even if you are new to the world of credit, or strongly believe that your credit rating is very good already,
check your report to be absolutely certain. Negative marks tend to show up more consistently than
positive marks because creditors hire credit bureaus to prevent them from making bad loans. Naturally,
creditors and credit bureaus are more likely to seek out and report negative information, so you must first
repair the negative marks and then begin to build a positive credit history.
By knowing how you will be evaluated, you can begin now to substantially improve your credit rating. Be
sure that prospective lenders see only positive things being reported about you.
Step 2
Score yourself. Most lenders use a scoring system to establish the level of your credit ability. A loan officer
or board will disqualify applicants who do not achieve a minimum number of points on the credit scoring
test. The number of points required is predetermined by the lender’s policymaking committee. Then it is
given to the officer, who uses it as a guideline in determining whether a loan should be approved. Lending
institutions utilize standardized scoring systems to make the process of approving loans more objective.
For instance, banks know from experience that individuals at a certain salary level can handle a combined
credit line of a certain amount on their credit cards. Questions on the scoring test clearly reveal your salary
level and patterns of living. While the loan officer’s personal judgment of the borrower is important, banks
try not to rely too much on the banker’s subjective evaluation of the borrower. By following the objective
standards set by the scoring system, the banks make fewer bad loans. Although each lender has its own
system and asks its own questions, the key questions are universal. By knowing precisely what lenders are
looking for, you can identify areas in your credit pro file that need improvement , pin point strengths and
ad just your credit image.
In addition to having no negative marks, you must have a positive credit history that establishes your
track record. Lenders have found that people who move frequently, don’t have telephones or can’t keep
steady jobs are poor credit risks.
The scoring system
Test yourself with this sample scoring system to get an idea of how lenders evaluate an applicant’s risk.
Add up your points for each question, then compare your total to the scoring list below.
Factors Points
1) Years at present job:
a) Less than one year 0
b) One to two years 1
c) Two to four years 2
d) Four to ten years 3
e) Over ten years 4
2) Monthly income level:
a) Less than $1,000 0
b) $1,000 to $1,500 1
c) $1,500 to $2,000 2
d) Over $2,000 3
3) Present obligations past due:
a) Yes 0
b) No 1
4) Total monthly debt payments compared to income (after taxes):
a) 50% 0
b) 40% to 49% 1
c) 30% to 39% 2
d) under 30% 3
5) Prior loans with lender:
a) No 0
b) Yes, but not closed 0
c) Yes, but closed, or with
two or fewer 11-day
notices per year 1
6) Checking account:
a) None 0
b) Yes, but with over
five rejected items
over past year 1
c) Yes, with no rejected
items over past year 2
7) Length at present or previous address:
a) Less than three years 0
b) Three years or more 1
8) Age of newest automobile:
a) Over one year old 0
b) Less than one year old 1
9) Savings account with lender:
a) No 0
b) Yes 1
10)Own real estate:
a) No 0
b) Yes 3
11) Telephone in own name:
a) No 0
b) Yes 1
12)Good credit references:
a) No 0
b) Yes 1
These questions, or something very close to them, appear on most credit scoring systems. The questions
are selected and the points assigned by the bank’s Consumer Credit Policy Committee. The policy
committee then prepares a set of guidelines for applying the scoring system to guide the loan officer.
Not only will this scoring system vary from bank to bank, but even within the same bank the criteria will
change, depending on national and regional economic conditions and the bank’s own competitive position.
Obviously, when loan money is abundant, the criteria will not be as strict as when loan money is tight. Now
put your score in perspective. In this sample, you could score a possible 22 points.
The guidelines provided to the loan officer might read like this:
0-11 points (0-50 percent of possible points):
Reject outright. Don’t waste time on this application.
11-13 points (50-60 percent of possible points):
Review very carefully. Do not approve unless there are other
good reasons indicating that credit should be granted.
13-15 points (60-70 percent of possible points):
Review with a bias toward approval. (This is the profile of the
typical consumer and indicates a reasonable risk.)
15-20 points (70-90 percent of possible points):
Grant the loan unless there is good reason to deny.
20-22 points (90-100 percent of possible points):
Automatically grant credit within reasonable limits.
If you fall in the lowest category, your application will be rejected outright. But don’t give up hope. You
may be able to obtain a small loan with some collateral, or perhaps by finding a co-signer. (A co-signer
uses his credit to guarantee yours by accepting responsibility to make good on the loan if you don’t.) An
example of this applicant might be a student without steady employment or a permanent address who
may be able to obtain a car loan if his parents co-sign.
If you fall in the 50-90 percent categories, you can expect a full review of your application for credit.
Someone in the lower range of this category may require a co-signer and/or collateral. If you are in the 90-
100 percent range you can generally get unsecured credit on your signature alone. Think about this
scoring system.
Obviously, each bank keeps its point system secret. Only a loan officer knows how many points you need
to pass the minimum requirement for credit approval. But you can improve your chances for winning credit
once you know the system.
It's EZ to Start a Checking Account and Auto Draft
Once you have chosen a bank you would like to work with, establish
credit with a checking account. Then set up Auto Draft for all the bills you normally pay, including your
house payment. This insures on time payments with out you having to do anything. When opening your
account make your initial deposit as large as possible.
During the next few months, when potential lenders check your credit with your bank, they will learn only
of your initial deposit. After a few months of deposits and withdrawals, your average daily balance for the
month will be reported to creditors who request credit information.
If you don’t have the cash on hand to open this account yourself, borrow from relatives or friends. Make
this a short-term loan and pay it back in the form of a check once the account is established. Start off on
the right step: Keep this new account balanced and never overdraw your account.
It’s EZ to Achieve Successfully Borrowing
Borrowing from a bank need not be difficult. Bankers need customers just as much as customers need
bankers, so don’t let their formality intimidate you. Bankers like to be in control of the situation, because
they are responsible for handling money that is not their own. They give the impression that
banking is serious business because it is a serious business. Lending another person’s money, on their
part, and borrowing money, on yours, involves a lot of responsibility on both sides.
However, don’t let the formality and responsibility get in your way, or prevent you from dealing effectively.
Bankers are people just like you. They are also business people. If they see that you are well-groomed and
appear reasonably intelligent and responsible, they will take you more seriously. If you appear to be a
choice customer, they will jump at the chance to serve you. Remember, banks make their money by
making loans, and as a responsible person you are quite important to them.
In addition, bankers are very knowledgeable about the credit world. Their job is to extend credit to
creditworthy people. By asking him or her the right questions, you can use your local banker as a free
consulting service. Your banker will be happy to give you the advice you need in order
to get your business.
Points to keep in mind
Your own bank may be best. If you have a good banking relationship with your local bank, start there. A
local bank offers you the opportunity to develop a good credit history. If you have a good relationship with
your own banker, you have a slight edge over the prospective borrower who has no
personal connection with his bank. Bankers can bend rules if they feel confident about you, even if there
are several questionable marks on your credit record, or your income isn’t quite high enough to justify the
loan you want.
Choosing a local bank may be helpful. Even if it’s not your current bank, choose a local bank. You will, in
time, be applying to nationwide banks for many of your loans or credit cards. Citibank and Bank of America
may not be in your neighborhood, nor do you need to start your quest for credit
through them. For now, a local bank is adequate to start the ball rolling. u Investigate many banks. Even
though you are focusing on a particular local bank, you should contact many banks in your area. If you are
developing ties with a dozen banks simultaneously, the odds are good that one
bank will come through with the credit you need. Nationwide banks may be too distant to visit in person.
You can, however, contact them by mail. Many also have toll-free telephone numbers to enable you to get
in touch personally.
Know the “SECRET” 20% Rule still used by many banks that can save you thousands!
A good relationship with your local banker is essential, so start developing it now. A good banking
relationship can help you do more than simply obtain a loan.
Free Report is specifically for people with ugly credit
“Leave your bad credit rating for Good!”
With our Trademarked EZhomebuyers Program we show you the secrets you:
• Online resources to make credit repair EZ!
• Consumer Credit Laws that work for you
• State Bar Associations for free legal advice
• Negotiating with your creditors
• Reaching an agreement with creditors
• How your credit and tax liens can be fixed EZ!
• Why to avoid using credit clinics
• Adding positive accounts to a credit report for FREE!
We have all the forms to dispute mistakes on your credit, tips on gaining creditor cooperation, getting
updated and merged Consumer Statements, setting up a creditor worksheet, and more.
Did you know you can successfully turn even current bad debts into a positive credit rating? Your goal is
to approach these creditors and negotiate repayment plans that sincerely demonstrate your ability to make
regular payments on time, pay off the debts you owe, and revive their interest in you as a customer. In
return you are going to ask your creditors to restore your positive credit rating.
Working with creditors and save on attorney costs
TIP Even if your account has already gone to a collection agency, deal first with the original creditor. The
creditor will not be as persistent as a collection agency, as it may have already given up any expectation of
full payment. By dealing with the creditor, you may have more flexibility to negotiate the time or the
amount to pay. When and when not to get an attorney. That information can save you time and money.
We can show you how to pay as little as possible while saving your credit.
It's EZ to Save Thousands of Dollars
We have a Free Report that could save you years of bad credit and thousands of dollars!
“25 Credit Scams to Avoid”
• Credit offers that are too good to be true
• Loans and cash advances
• Tricks credit companies play on you
• Repair kits and companies to avoid
• The pitfalls of credit interest
People who are most anxious for credit are those most vulnerable to credit scams. Most credit scams are
clearly illegal. Others stack the deck so heavily against the borrower that while legal, they are simply
unconscionable. Credit scams prey upon ignorance and desperation. Some of the largest
corporations in America are nothing more than sophisticated pool hall loan sharks who routinely fleece their
clients. Because credit is big business, all the pressure that Madison Avenue and modern technology can
bring to bear is used to convince you to sign on the dotted line and enter into a credit “deal” that is rarely
in your best interests.
Your only defenses? Patience. Knowledge. Suspicion. Learn to be patient even
when desperate. And understand thoroughly anything that requires your
signature. Aggressively question. Trust, but confirm. Be an educated skeptic!
Our goal is to make you a home owner 9 Proven Ways To Improve Your
Credit
The TOP 10. LIST of best ways to improve building and repairing your credit.
10. Work with a mortgage broker who is knowledgeable in the ever changing field of credit correction. Ask
us who we recommend.
9. Learn what your current FICO® Credit Score is and what appears on your credit report.
8. Don't open new credit cards that you don't need just to increase your available credit. This approach
could backfire and actually lower your score.
7. Try to keep your total account balances as low as possible. High outstanding debt may negatively affect
your score, as you have a greater chance of missing payments.
6. Correct any incorrect information that might appear on your credit report.
5. If your credit is severely damaged, or you have a very short credit history, there are still ways to
improve your credit over time. Consider opening new accounts responsibly and paying them off on time.
4. If you fall behind on paying a bill because of illness, unemployment, or family issues, write a short
explanation to the credit reporting agencies. They will add it to your credit report.
Also, call your creditor to explain the circumstances and, if possible, work out a payment schedule you can
meet.
3. To minimize the number of inquiries on your credit report, don't apply for multiple credit cards over a
short period of time, or for a card you're not likely to get. Apply for new credit accounts only as needed.
2. Make all of your payments on time. If forced to miss a payment, be sure to pay the following month.
Accounts more than 60 days past due will be indicated on your credit report.
And the #1 way to help your credit is:
1. Continue to check your credit report regularly, correcting errors and inaccuracies that can damage your
credit score. Once you know where you stand, you can make efforts to improve your situation. Often times
credit can be improved simply be correcting errors on your credit report.
Concerned about your credit or if we can help? Just ask us.
It’s EZ to Get More Help
EZ Credit Secrets for our client's help get you on the road to the home ownership goal.
• THE SOLUTION TO BAD CREDIT
• STRUCTURE OF SOCIAL SECURITY NUMBERS
• THE CREDIT SYSTEM
• CREDIT CARD INSIGHTS
• SIX CREDIT CARD SECRETS BANKS DON'T WANT YOU TO KNOW
• ESTABLISH AAA CREDIT IN 30 DAYS
• THE LURE OF BANKRUPTCY
• BOOKKEEPING MADE SIMPLE
• STOP COLLECTION AGENCIES IN THEIR TRACKS
• IF SOMEONE OWES YOU MONEY
• YOUR CONSUMER RIGHTS
• THE FREE CREDIT CARD TRAP
• HOW TO GET FREE RENT
• YOUR MONEY GUIDE TO FREE GOVERNMENT GRANTS
• IMPROVE YOUR CREDIT BY PAYING BILLS LATER RATHER THAN SOONER
• WINNING THE CREDIT CARD GAME
• WOMEN AND CREDIT
• HOW TO OBTAIN AN $800 LOAN BY MAIL - INTEREST FREE
• THE INSIDE SECRETS OF CREDIT REPAIR
• GUERRILLA TACTICS THAT WILL GIVE YOU A GOOD CREDIT RATING
• IS IT ETHICAL TO TRY AND REMOVE LEGITIMATE BAD CREDIT?
• FEDERAL CREDIT LAWS
• LEGAL WAYS TO GET THE BILL COLLECTORS OFF YOUR BACK
• CHOOSING A BANK THAT'S RIGHT FOR YOU
• HOW TO MAKE BIG MONEY WITH YOUR OWN BUSINESS FINANCING SERVICE 119
• 50 WAYS TO CUT COSTS
• NINE WAYS TO LOWER YOUR AUTO INSURANCE COSTS
• SURE-FIRE METHODS OF RAISING INSTANT CASH
• HOW TO ACHIEVE WEALTH THE EASY WAY
• CONSUMER RIGHTS
• BANKRUPTCY
• DIVORCE AND CREDIT
• FEDERAL/STATE CREDIT LAWS
• CREDIT LETTERS
• CREDIT REPAIR COMPANIES
• CREDIT DICTIONARY
• TELE-TERRORISTS
• SECRETS OF THE RICHEST PEOPLE
• CHOOSING AND USING CREDIT CARDS
• CONSUMER HANDBOOK TO CREDIT PROTECTION LAWS
• COMPLAINING ABOUT CREDIT
• FAIR DEBT COLLECTION
• HOW TO DISPUTE CREDIT REPORT ERRORS
• MANAGING YOUR DEBTS: HOW TO REGAIN FINANCIAL HEALTH
• READY, SET...CREDIT
• SHOP -- THE CARD YOU PICK CAN SAVE YOU MONEY
• 66 WAYS TO SAVE MONEY
• HOW TO GET LESS JUNK MAIL
Its EZ to get straight answers
What is a credit file disclosure?
A credit file disclosure provides you with all of the information in your credit file maintained by a consumer
reporting company that could be provided by the consumer reporting company in a consumer report about
you to a third party, such as a lender. A credit file disclosure also includes a record of everyone who has
received a consumer report about you from the consumer reporting company within a certain period of
time ("inquiries").
The credit file disclosure includes certain information that is not included in a consumer report about you to
a third party, such as the inquiries of companies for pre-approved offers of credit or insurance and
account reviews, and any medical account information which is suppressed for third party users of
consumer reports. You are entitled to receive a disclosure copy of your credit file from a consumer
reporting company under Federal law and the laws of various states.
How often can I request a free credit file disclosure?
You are entitled to receive one free credit file disclosure every 12 months from each of the nationwide
consumer credit reporting companies – Equifax, Experian and TransUnion. This free credit file can be
requested through this website, by phone or by mail.
How else can I request my free annual credit file disclosure?
If free credit reports are available in your state through the Annual Credit Report Request Service, you can
request a free annual credit report by phone or mail and it will be mailed within 15 days. However, you can
receive a report immediately by using this secure website. Click on this link to find information on how to
request a free annual credit report by phone or mail.
Should I order all my credit file disclosures at one time or space them out?
You are entitled to receive one free credit file disclosure every 12 months from each of the nationwide
consumer credit reporting companies through the Central Source. It is entirely your choice whether you
order all three credit file disclosures at the same time or order one now and others later. The advantage of
ordering all three at the same time is that you can compare them. (However, you will not be eligible for
another free credit file disclosure from the Central Source for 12 months.)
On the other hand, the advantage of ordering one now and others later (for example, one credit file
disclosure every four months) is that you can keep track of any changes or new information that may
appear on your credit file disclosure. Remember, you are entitled to receive one free credit file disclosure
through the Central Source every 12 months from each of the nationwide consumer credit reporting
companies – Equifax, Experian and TransUnion – so if you order from only one company today you can
still order from the other two companies at a later date.
What is a credit score?
A credit score is a complex mathematical model that evaluates many types of information in a credit file. A
credit score is used by a lender to help determine whether a person qualifies for a particular credit card,
loan, or service. Most credit scores estimate the risk a company incurs by lending a person money or
providing them with a service –– specifically, the likelihood that the person will make payments on time in
the next two to three years. Generally, the higher the score, the less risk the person represents.
How can I get my credit score?
You can purchase a credit score by contacting one of the nationwide consumer credit reporting companies.
Equifax - www.equifax.com
Experian - www.experian.com
TransUnion - www.transunion.com
You can also contact us to request your free credit report.
What about companies that claim they can improve my credit report for a fee?
The Federal Trade Commission (FTC) cautions consumers to be wary of companies that make claims
regarding credit repair. These companies, commonly called credit clinics, don't do anything for consumers
that consumers cannot do for themselves at little or no cost. Beware of any organization that offers to
create a new identity and credit file for you. The FTC and state attorneys general have filed actions against
those who pursue these fraudulent practices. Here are some warning signs that the FTC and others say
consumers should look out for to determine if they might be dealing with a credit clinic:
An organization that guarantees to remove late payments, bankruptcies, or similar information from a
credit report
An organization that charges a lot of money to repair credit
A company that asks the consumer to write to the credit reporting company and repeatedly seek
verification of the same credit account information in the file, month after month, even though the
information has been determined to be correct
An organization that is reluctant to give out their address or one that pushes you to make a decision
immediately
For a helpful brochure about credit clinics, you can write to the Federal Trade Commission, Sixth and
Pennsylvania Avenues, N.W., Washington, D.C. 20004 and request a brochure titled "Credit Repair: Self
Help May Be Best."
Am I entitled to a free credit report under state law?
In addition to consumers who are eligible for a free credit file disclosure through the Annual Credit Report
Request Service; consumers in some states are eligible for a free credit file disclosure under state law. The
following states have laws that make free credit reports available to consumers: Colorado, Georgia, Maine,
Maryland, Massachusetts, New Jersey and Vermont.
How do I contact the Federal Trade Commission (FTC)?
Federal Trade Commission
Consumer Response Center
Room 130
600 Pennsylvania Avenue, N.W.
Washington, D.C. 20580
www.ftc.gov/credit
It’s EZ to Get More Resources
Online
ABA Law Practice Management Section — Estate Planning and Probate Interest Group
URL: http://www.abanet.org/lpm/lpdiv/estate.html
American Consumer Credit Counseling
URL: http://www.consumercredit.com
American Express Small Business Services
URL: http://www6.americanexpress.com/smallbusiness/
segments/finding_money.asp
BayHouse WWW
URL: http://www.bayhouse.com/credit.html
Center for Debt Management
URL: http://www.center4debtmanagement.com
Commercial Law League of America
URL: http://www.clla.org
Consumer Counseling Centers of America, Inc.
URL: http://www.consumercounseling.org/about.html
Debt Counselors of America
URL: http://www.dca.org/home.htm
Debtors Anonymous
URL: http://www.debtorsanonymous.org
Equifax, Inc.
URL: http://www.equifax.com
Experian Information Solutions, Inc.
URL: http://www.experian.com
Federal Trade Commission-Consumer Protection
URL: http://www.ftc.gov/bcp/menu-credit.htm
Find Law Site Matches
URL: http://www.findlaw.com/scripts/search.pl?CiRestriction=credit
Lawlounge
URL: http://lawlounge.com/topics/corporate
‘Lectric Law Library Lawcopedia’s Consumer Rights & Protection Topic Area
URL: http://www.lectlaw.com/tcos.html
Legal Information Institute—U.S. Debtor and Creditor Law
URL: http://www.law.cornell.edu/topics/debtor_creditor.html
National Foundation for Consumer Credit (NFCC), The
URL: http://www.nfcc.org
Public Interest Research Group Consumer Credit & Privacy
URL: http://www.pirg.org/pirg/consumer/credit/index.htm
Trans Union LLC
URL: http://www.transunion.com
Victims of Credit Reporting
URL: http://members.aol.com/victcrdrpt/index.html
Consumer Credit Laws
Fair Credit Reporting Act
URL: http://www4.law.cornell.edu/uscode/15/1681.html
Fair Credit Billing Act
URL: http://www.law.cornell.edu/uscode/15/1637.shtml
Equal Credit Opportunity Act
URL: http://www4.law.cornell.edu/uscode/15/1691.html
Fair Debt Collection Practices Act
URL: http://www4.law.cornell.edu/uscode/15/1692.html
Related Sites
Institute of Certified Financial Planners
URL: http://www.icfp.org
International Association for Financial Planning
URL: http://www.iafp.org
Mortgage 101
URL: http://mortgage101.com/pg00015.htm
National Association of Personal Financial Advisors
URL: http://www.napfa.org
Pension and Welfare Benefits Administration
URL: http://www.dol.gov/dol/pwba
Legal Search Engines
All Law
http://www.alllaw.com
American Law Sources On Line
http://www.lawsource.com/also/searchfm.htm
Catalaw
http://www.catalaw.com
FindLaw
URL: http://www.findlaw.com
Hieros Gamos
http://www.hg.org/hg.html
InternetOracle
http://www.internetoracle.com/legal.htm
LawAid
http://www.lawaid.com/search.html
LawCrawler
http://www.lawcrawler.com
LawEngine, The
http://www.fastsearch.com/law
LawRunner
http://www.lawrunner.com
‘Lectric Law Library™
http://www.lectlaw.com
Legal Search Engines
http://www.dreamscape.com/frankvad/search.legal.html
LEXIS/NEXIS Communications Center
http://www.lexis-nexis.com/lncc/general/search.html
Meta-Index for U.S. Legal Research
http://gsulaw.gsu.edu/metaindex
Seamless Website, The
http://seamless.com
USALaw
http://www.usalaw.com/linksrch.cfm
WestLaw
http://westdoc.com (Registered users only. Fee paid service.)
State Bar Associations
DISTRICT OF COLUMBIA
District of Columbia Bar
1250 H Street, NW, 6th Floor
Washington, DC 20005
(202) 737-4700
Bar Association of the District
of Columbia
1819 H Street, NW, 12th floor
Washington, DC 20006-3690
(202) 223-6600
FLORIDA
The Florida Bar
The Florida Bar Center
650 Apalachee Parkway
Tallahassee, FL 32399-2300
(904) 561-5600
GEORGIA
State Bar of Georgia
800 The Hurt Building
50 Hurt Plaza
Atlanta, GA 30303
(404) 527-8700
http://www.kuesterlaw.com/
comp.html
HAWAII
Hawaii State Bar Association
1136 Union Mall
Penthouse 1
Honolulu, HI 96813
(808) 537-1868
http://www.hsba.org
IDAHO
Idaho State Bar
PO Box 895
Boise, ID 83701
(208) 334-4500
ILLINOIS
Illinois State Bar Association
424 South Second Street
Springfield, IL 62701
(217) 525-1760
INDIANA
Indiana State Bar Association
230 East Ohio Street
Indianapolis, IN 46204
(317) 639-5465
http://www.iquest.net/isba
IOWA
Iowa State Bar Association
521 East Locust
Des Moines, IA 50309
(515) 243-3179
http://www.iowabar.org
KANSAS
Kansas Bar Association
1200 Harrison Street
Topeka, KS 66601
(913) 234-5696
http://www.ink.org/public/cybar
KENTUCKY
Kentucky Bar Association
514 West Main Street
Frankfort, KY 40601-1883
(502) 564-3795
http://www.kybar.org
LOUISIANA
Louisiana State Bar Association
601 St. Charles Avenue
New Orleans, LA 70130
(504) 566-1600
MAINE
Maine State Bar Association
124 State Street
PO Box 788
Augusta, ME 04330
(207) 622-7523
http://www.mainebar.org
MARYLAND
Maryland State Bar Association
520 West Fayette Street
Baltimore, MD 21201
(410) 685-7878
http://www.msba.org/msba
MASSACHUSETTS
Massachusetts Bar Association
20 West Street
Boston, MA 02111
(617) 542-3602
(617) 542-9103 (lawyer referral
service)
MICHIGAN
State Bar of Michigan
306 Townsend Street
Lansing, MI 48933-2083
(517) 372-9030
http://www.umich.edu/~icle
MINNESOTA
Minnesota State Bar Association
514 Nicollet Mall
Minneapolis, MN 55402
(612) 333-1183
MISSISSIPPI
The Mississippi Bar
643 No. State Street
Jackson, Mississippi 39202
(601) 948-4471
MISSOURI
The Missouri Bar
P.O. Box 119, 326 Monroe
Jefferson City, Missouri 65102
(314) 635-4128
http://www.mobar.org
MONTANA
State Bar of Montana
46 North Main
PO Box 577
Helena, MT 59624
(406) 442-7660
NEBRASKA
Nebraska State Bar Association
635 South 14th Street, 2nd floor
Lincoln, NE 68508
(402) 475-7091
http://www.nol.org/legal/
nsba/index.html
NEVADA
State Bar of Nevada
201 Las Vegas Blvd.
Las Vegas, NV 89101
(702) 382-2200
http://www.dsi.org/statebar
/nevada.htm
NEW HAMPSHIRE
New Hampshire Bar Association
112 Pleasant Street
Concord, NH 03301
(603) 224-6942
NEW JERSEY
New Jersey State Bar Association
One Constitution Square
New Brunswuck, NJ 08901-1500
(908) 249-5000
NEW MEXICO
State Bar of New Mexico
121 Tijeras Street N.E.
Albuquerque, NM 87102
mailing address:
PO Box 25883
Albuquerque, NM 87125
(505) 843-6132
NEW YORK
New York State Bar Association
One Elk Street
Albany, NY 12207
(518) 463-3200
http://www.nysba.org
NORTH CAROLINA
North Carolina State Bar
208 Fayetteville Street Mall
Raleigh, NC 27601
mailing address:
PO Box 25908
Raleigh, NC 27611
(919) 828-4620
North Carolina Bar Association
1312 Annapolis Drive
Raleigh, NC 27608
mailing address:
PO Box 12806
Raleigh, NC 27605
(919) 828-0561
http://www.barlinc.org
NORTH DAKOTA
State Bar Association of North
Dakota
515 1/2 East Broadway, suite 101
Bismarck, ND 58501
mailing address:
PO Box 2136
Bismarck, ND 58502
(701) 255-1404
OHIO
Ohio State Bar Association
1700 Lake Shore Drive
Columbus, OH 43204
mailing address:
PO Box 16562
Columbus, OH 43216-6562
(614) 487-2050
OKLAHOMA
Oklahoma Bar Association
1901 North Lincoln
Oklahoma City, OK 73105
(405) 524-2365
OREGON
Oregon State Bar
5200 S.W. Meadows Road
PO Box 1689
Lake Oswego, OR 97035-0889
(503) 620-0222
PENNSYLVANIA
Pennsylvannia Bar Association
100 South Street
PO Box 186
Harrisburg, PA 17108
(717) 238-6715
Pennsylvania Bar Institute
http://www.pbi.org
PUERTO RICO
Puerto Rico Bar Association
PO Box 1900
San Juan, Puerto Rico 00903
(809) 721-3358
RHODE ISLAND
Rhode Island Bar Association
115 Cedar Street
Providence, RI 02903
(401) 421-5740
SOUTH CAROLINA
South Carolina Bar
950 Taylor Street
PO Box 608
Columbia, SC 29202
(803) 799-6653
http://www.scbar.org
SOUTH DAKOTA
State Bar of South Dakota
222 East Capitol
Pierre, SD 57501
(605) 224-7554
TENNESSEE
Tennessee Bar Assn
3622 West End Avenue
Nashville, TN 37205
(615) 383-7421
http://www.tba.org
TEXAS
State Bar of Texas
1414 Colorado
PO Box 12487
Austin, TX 78711
(512) 463-1463
UTAH
Utah State Bar
645 South 200 East, Suite 310
Salt Lake City, UT 84111
(801) 531-9077
VERMONT
Vermont Bar Association
PO Box 100
Montpelier, VT 05601
(802) 223-2020
VIRGINIA
Virginia State Bar
707 East Main Street, suite 1500
Richmond, VA 23219-0501
(804) 775-0500
Virginia Bar Association
701 East Franklin St., Suite 1120
Richmond, VA 23219
(804) 644-0041
VIRGIN ISLANDS
Virgin Islands Bar Association
P.O. Box 4108
Christiansted, Virgin Islands
00822
(809) 778-7497
WASHINGTON
Washington State Bar
Association
500 Westin Street
2001 Sixth Avenue
Seattle, WA 98121-2599
(206) 727-8200
http://www.wsba.org
WEST VIRGINIA
West Virginia State Bar
2006 Kanawha Blvd. East
Charleston, WV 25311
(304) 558-2456
http://www.wvbar.org
West Virginia Bar Association
904 Security Building
100 Capitol Street
Charleston, WV 25301
(304) 342-1474
WISCONSIN
State Bar of Wisconsin
402 West Wilson Street
Madison, WI 53703
(608) 257-3838
http://www.wisbar.org/
home.htm
WYOMING
Wyoming State Bar
500 Randall Avenue
Cheyenne, WY 82001
PO Box 109
Cheyenne, WY 82003
(307) 632-9061
We hope this information has been helpful. And we will be more than happy to assist you further is your
specific housing needs, whatever they may be. As you can tell we are devoted to helping you achieve you
ultimate housing goals.
We currently have over the best creative home buying program available (so much so that the government
is granting us a trademark)
So we can fit your needs please contact us at 260-436-5000 Ext. 222 to set up your FREE No-Obligation
consultation where we will meet to tailor a home to fit your needs and comfort levels for monthly payment
and investment.
P.S. If you would like to get started now please click here to fill out your application and we will contact you
to schedule a free consultation to help you get the home of your dreams with the best terms available...
regardless of your credit!
NOTE: Still wondering what good credit and the interest rate amount makes?
Check out the difference in a good rate, do the comparison: click here
For a list of great homes on contract and the time to build equity and credit click here
And now for the legal speech;This EZhomebuyer information does not constitute the rendering of legal advice or services. This information is intended for informational use only and is not
a substitute for legal advice. State laws vary, so consult an attorney on all legal matters. This program was not prepared by a person licensed to practice law in this state and is not
intended to be rendering of legal or tax advice in anyway whatsoever.
As a Client You Get Credit Repair Made EZ! With our EZ homebuyers Program we show you the strategies
to repair and establish your credit. Then we help you get poisoned to qualify for the best obtainable loan
when you are in the best position to do it -- after you have built a rock solid credit foundation. All this
amounts to literally hundreds of thousands of dollars over the course of a typical loan. Just another
advantage we offer our clients.
And, We Make It EZ – We Stake Our Name On It!
Good credit is essential in America today, because so many of the things we want to buy must be financed
or bought on credit, like the purchase of a home. And once you have a bad credit rating, it is nearly
impossible to avoid detection. A vast network of credit reporting agencies keeps track of every American
who does business or buys on credit.
These agencies are the gatekeepers of credit. Each time you apply for credit through a bank, store or
credit card agency, the prospective lender typically checks your current credit rating with one or more of
these agencies. There are nearly 2,000 credit bureaus in the United States, but there are only a few large
regional bureaus, which process millions of credit reports each year and boast tens of thousands of
business subscribers.
Subscribers are the many businesses that pay to obtain the credit information contained in a bureau’s
files. Subscribers rightfully believe that the information contained in your credit file is a good indication of
your credit worthiness, since how you have paid other creditors in the past is an indication of how you may
act in the future.
Subscribers also use your credit file to verify information you have provided on your credit application.
Making sure that your credit report is accurate and up-to-date is the first and best step you can take to
ensure the strength of your credit. Our EZhomebuyers program shows you how to access your credit
report and how to make the bureaus’ updates of your report work to your advantage. Start today to build
the credit you rating you need.
I know this may sound daunting, however, We Make It E-Z – We Stake Our Name It!
It’s EZ to Improving Your Credit.
So, how do you improve your credit?
It’s EZ. There are two steps you should take before you attempt to improve your credit worthiness.
Step 1
Before applying for any credit, check your credit report to be sure that there are no negative marks on it.
Even if you are new to the world of credit, or strongly believe that your credit rating is very good already,
check your report to be absolutely certain. Negative marks tend to show up more consistently than
positive marks because creditors hire credit bureaus to prevent them from making bad loans. Naturally,
creditors and credit bureaus are more likely to seek out and report negative information, so you must first
repair the negative marks and then begin to build a positive credit history.
By knowing how you will be evaluated, you can begin now to substantially improve your credit rating. Be
sure that prospective lenders see only positive things being reported about you.
Step 2
Score yourself. Most lenders use a scoring system to establish the level of your credit ability. A loan officer
or board will disqualify applicants who do not achieve a minimum number of points on the credit scoring
test. The number of points required is predetermined by the lender’s policymaking committee. Then it is
given to the officer, who uses it as a guideline in determining whether a loan should be approved. Lending
institutions utilize standardized scoring systems to make the process of approving loans more objective.
For instance, banks know from experience that individuals at a certain salary level can handle a combined
credit line of a certain amount on their credit cards. Questions on the scoring test clearly reveal your salary
level and patterns of living. While the loan officer’s personal judgment of the borrower is important, banks
try not to rely too much on the banker’s subjective evaluation of the borrower. By following the objective
standards set by the scoring system, the banks make fewer bad loans. Although each lender has its own
system and asks its own questions, the key questions are universal. By knowing precisely what lenders are
looking for, you can identify areas in your credit pro file that need improvement , pin point strengths and
ad just your credit image.
In addition to having no negative marks, you must have a positive credit history that establishes your
track record. Lenders have found that people who move frequently, don’t have telephones or can’t keep
steady jobs are poor credit risks.
The scoring system
Test yourself with this sample scoring system to get an idea of how lenders evaluate an applicant’s risk.
Add up your points for each question, then compare your total to the scoring list below.
Factors Points
1) Years at present job:
a) Less than one year 0
b) One to two years 1
c) Two to four years 2
d) Four to ten years 3
e) Over ten years 4
2) Monthly income level:
a) Less than $1,000 0
b) $1,000 to $1,500 1
c) $1,500 to $2,000 2
d) Over $2,000 3
3) Present obligations past due:
a) Yes 0
b) No 1
4) Total monthly debt payments compared to income (after taxes):
a) 50% 0
b) 40% to 49% 1
c) 30% to 39% 2
d) under 30% 3
5) Prior loans with lender:
a) No 0
b) Yes, but not closed 0
c) Yes, but closed, or with
two or fewer 11-day
notices per year 1
6) Checking account:
a) None 0
b) Yes, but with over
five rejected items
over past year 1
c) Yes, with no rejected
items over past year 2
7) Length at present or previous address:
a) Less than three years 0
b) Three years or more 1
8) Age of newest automobile:
a) Over one year old 0
b) Less than one year old 1
9) Savings account with lender:
a) No 0
b) Yes 1
10)Own real estate:
a) No 0
b) Yes 3
11) Telephone in own name:
a) No 0
b) Yes 1
12)Good credit references:
a) No 0
b) Yes 1
These questions, or something very close to them, appear on most credit scoring systems. The questions
are selected and the points assigned by the bank’s Consumer Credit Policy Committee. The policy
committee then prepares a set of guidelines for applying the scoring system to guide the loan officer.
Not only will this scoring system vary from bank to bank, but even within the same bank the criteria will
change, depending on national and regional economic conditions and the bank’s own competitive position.
Obviously, when loan money is abundant, the criteria will not be as strict as when loan money is tight. Now
put your score in perspective. In this sample, you could score a possible 22 points.
The guidelines provided to the loan officer might read like this:
0-11 points (0-50 percent of possible points):
Reject outright. Don’t waste time on this application.
11-13 points (50-60 percent of possible points):
Review very carefully. Do not approve unless there are other
good reasons indicating that credit should be granted.
13-15 points (60-70 percent of possible points):
Review with a bias toward approval. (This is the profile of the
typical consumer and indicates a reasonable risk.)
15-20 points (70-90 percent of possible points):
Grant the loan unless there is good reason to deny.
20-22 points (90-100 percent of possible points):
Automatically grant credit within reasonable limits.
If you fall in the lowest category, your application will be rejected outright. But don’t give up hope. You
may be able to obtain a small loan with some collateral, or perhaps by finding a co-signer. (A co-signer
uses his credit to guarantee yours by accepting responsibility to make good on the loan if you don’t.) An
example of this applicant might be a student without steady employment or a permanent address who
may be able to obtain a car loan if his parents co-sign.
If you fall in the 50-90 percent categories, you can expect a full review of your application for credit.
Someone in the lower range of this category may require a co-signer and/or collateral. If you are in the 90-
100 percent range you can generally get unsecured credit on your signature alone. Think about this
scoring system.
Obviously, each bank keeps its point system secret. Only a loan officer knows how many points you need
to pass the minimum requirement for credit approval. But you can improve your chances for winning credit
once you know the system.
It's EZ to Start a Checking Account and Auto Draft
Once you have chosen a bank you would like to work with, establish
credit with a checking account. Then set up Auto Draft for all the bills you normally pay, including your
house payment. This insures on time payments with out you having to do anything. When opening your
account make your initial deposit as large as possible.
During the next few months, when potential lenders check your credit with your bank, they will learn only
of your initial deposit. After a few months of deposits and withdrawals, your average daily balance for the
month will be reported to creditors who request credit information.
If you don’t have the cash on hand to open this account yourself, borrow from relatives or friends. Make
this a short-term loan and pay it back in the form of a check once the account is established. Start off on
the right step: Keep this new account balanced and never overdraw your account.
It’s EZ to Achieve Successfully Borrowing
Borrowing from a bank need not be difficult. Bankers need customers just as much as customers need
bankers, so don’t let their formality intimidate you. Bankers like to be in control of the situation, because
they are responsible for handling money that is not their own. They give the impression that
banking is serious business because it is a serious business. Lending another person’s money, on their
part, and borrowing money, on yours, involves a lot of responsibility on both sides.
However, don’t let the formality and responsibility get in your way, or prevent you from dealing effectively.
Bankers are people just like you. They are also business people. If they see that you are well-groomed and
appear reasonably intelligent and responsible, they will take you more seriously. If you appear to be a
choice customer, they will jump at the chance to serve you. Remember, banks make their money by
making loans, and as a responsible person you are quite important to them.
In addition, bankers are very knowledgeable about the credit world. Their job is to extend credit to
creditworthy people. By asking him or her the right questions, you can use your local banker as a free
consulting service. Your banker will be happy to give you the advice you need in order
to get your business.
Points to keep in mind
Your own bank may be best. If you have a good banking relationship with your local bank, start there. A
local bank offers you the opportunity to develop a good credit history. If you have a good relationship with
your own banker, you have a slight edge over the prospective borrower who has no
personal connection with his bank. Bankers can bend rules if they feel confident about you, even if there
are several questionable marks on your credit record, or your income isn’t quite high enough to justify the
loan you want.
Choosing a local bank may be helpful. Even if it’s not your current bank, choose a local bank. You will, in
time, be applying to nationwide banks for many of your loans or credit cards. Citibank and Bank of America
may not be in your neighborhood, nor do you need to start your quest for credit
through them. For now, a local bank is adequate to start the ball rolling. u Investigate many banks. Even
though you are focusing on a particular local bank, you should contact many banks in your area. If you are
developing ties with a dozen banks simultaneously, the odds are good that one
bank will come through with the credit you need. Nationwide banks may be too distant to visit in person.
You can, however, contact them by mail. Many also have toll-free telephone numbers to enable you to get
in touch personally.
Know the “SECRET” 20% Rule still used by many banks that can save you thousands!
A good relationship with your local banker is essential, so start developing it now. A good banking
relationship can help you do more than simply obtain a loan.
Free Report is specifically for people with ugly credit
“Leave your bad credit rating for Good!”
With our Trademarked EZhomebuyers Program we show you the secrets you:
• Online resources to make credit repair EZ!
• Consumer Credit Laws that work for you
• State Bar Associations for free legal advice
• Negotiating with your creditors
• Reaching an agreement with creditors
• How your credit and tax liens can be fixed EZ!
• Why to avoid using credit clinics
• Adding positive accounts to a credit report for FREE!
We have all the forms to dispute mistakes on your credit, tips on gaining creditor cooperation, getting
updated and merged Consumer Statements, setting up a creditor worksheet, and more.
Did you know you can successfully turn even current bad debts into a positive credit rating? Your goal is
to approach these creditors and negotiate repayment plans that sincerely demonstrate your ability to make
regular payments on time, pay off the debts you owe, and revive their interest in you as a customer. In
return you are going to ask your creditors to restore your positive credit rating.
Working with creditors and save on attorney costs
TIP Even if your account has already gone to a collection agency, deal first with the original creditor. The
creditor will not be as persistent as a collection agency, as it may have already given up any expectation of
full payment. By dealing with the creditor, you may have more flexibility to negotiate the time or the
amount to pay. When and when not to get an attorney. That information can save you time and money.
We can show you how to pay as little as possible while saving your credit.
It's EZ to Save Thousands of Dollars
We have a Free Report that could save you years of bad credit and thousands of dollars!
“25 Credit Scams to Avoid”
• Credit offers that are too good to be true
• Loans and cash advances
• Tricks credit companies play on you
• Repair kits and companies to avoid
• The pitfalls of credit interest
People who are most anxious for credit are those most vulnerable to credit scams. Most credit scams are
clearly illegal. Others stack the deck so heavily against the borrower that while legal, they are simply
unconscionable. Credit scams prey upon ignorance and desperation. Some of the largest
corporations in America are nothing more than sophisticated pool hall loan sharks who routinely fleece their
clients. Because credit is big business, all the pressure that Madison Avenue and modern technology can
bring to bear is used to convince you to sign on the dotted line and enter into a credit “deal” that is rarely
in your best interests.
Your only defenses? Patience. Knowledge. Suspicion. Learn to be patient even
when desperate. And understand thoroughly anything that requires your
signature. Aggressively question. Trust, but confirm. Be an educated skeptic!
Our goal is to make you a home owner 9 Proven Ways To Improve Your
Credit
The TOP 10. LIST of best ways to improve building and repairing your credit.
10. Work with a mortgage broker who is knowledgeable in the ever changing field of credit correction. Ask
us who we recommend.
9. Learn what your current FICO® Credit Score is and what appears on your credit report.
8. Don't open new credit cards that you don't need just to increase your available credit. This approach
could backfire and actually lower your score.
7. Try to keep your total account balances as low as possible. High outstanding debt may negatively affect
your score, as you have a greater chance of missing payments.
6. Correct any incorrect information that might appear on your credit report.
5. If your credit is severely damaged, or you have a very short credit history, there are still ways to
improve your credit over time. Consider opening new accounts responsibly and paying them off on time.
4. If you fall behind on paying a bill because of illness, unemployment, or family issues, write a short
explanation to the credit reporting agencies. They will add it to your credit report.
Also, call your creditor to explain the circumstances and, if possible, work out a payment schedule you can
meet.
3. To minimize the number of inquiries on your credit report, don't apply for multiple credit cards over a
short period of time, or for a card you're not likely to get. Apply for new credit accounts only as needed.
2. Make all of your payments on time. If forced to miss a payment, be sure to pay the following month.
Accounts more than 60 days past due will be indicated on your credit report.
And the #1 way to help your credit is:
1. Continue to check your credit report regularly, correcting errors and inaccuracies that can damage your
credit score. Once you know where you stand, you can make efforts to improve your situation. Often times
credit can be improved simply be correcting errors on your credit report.
Concerned about your credit or if we can help? Just ask us.
It’s EZ to Get More Help
EZ Credit Secrets for our client's help get you on the road to the home ownership goal.
• THE SOLUTION TO BAD CREDIT
• STRUCTURE OF SOCIAL SECURITY NUMBERS
• THE CREDIT SYSTEM
• CREDIT CARD INSIGHTS
• SIX CREDIT CARD SECRETS BANKS DON'T WANT YOU TO KNOW
• ESTABLISH AAA CREDIT IN 30 DAYS
• THE LURE OF BANKRUPTCY
• BOOKKEEPING MADE SIMPLE
• STOP COLLECTION AGENCIES IN THEIR TRACKS
• IF SOMEONE OWES YOU MONEY
• YOUR CONSUMER RIGHTS
• THE FREE CREDIT CARD TRAP
• HOW TO GET FREE RENT
• YOUR MONEY GUIDE TO FREE GOVERNMENT GRANTS
• IMPROVE YOUR CREDIT BY PAYING BILLS LATER RATHER THAN SOONER
• WINNING THE CREDIT CARD GAME
• WOMEN AND CREDIT
• HOW TO OBTAIN AN $800 LOAN BY MAIL - INTEREST FREE
• THE INSIDE SECRETS OF CREDIT REPAIR
• GUERRILLA TACTICS THAT WILL GIVE YOU A GOOD CREDIT RATING
• IS IT ETHICAL TO TRY AND REMOVE LEGITIMATE BAD CREDIT?
• FEDERAL CREDIT LAWS
• LEGAL WAYS TO GET THE BILL COLLECTORS OFF YOUR BACK
• CHOOSING A BANK THAT'S RIGHT FOR YOU
• HOW TO MAKE BIG MONEY WITH YOUR OWN BUSINESS FINANCING SERVICE 119
• 50 WAYS TO CUT COSTS
• NINE WAYS TO LOWER YOUR AUTO INSURANCE COSTS
• SURE-FIRE METHODS OF RAISING INSTANT CASH
• HOW TO ACHIEVE WEALTH THE EASY WAY
• CONSUMER RIGHTS
• BANKRUPTCY
• DIVORCE AND CREDIT
• FEDERAL/STATE CREDIT LAWS
• CREDIT LETTERS
• CREDIT REPAIR COMPANIES
• CREDIT DICTIONARY
• TELE-TERRORISTS
• SECRETS OF THE RICHEST PEOPLE
• CHOOSING AND USING CREDIT CARDS
• CONSUMER HANDBOOK TO CREDIT PROTECTION LAWS
• COMPLAINING ABOUT CREDIT
• FAIR DEBT COLLECTION
• HOW TO DISPUTE CREDIT REPORT ERRORS
• MANAGING YOUR DEBTS: HOW TO REGAIN FINANCIAL HEALTH
• READY, SET...CREDIT
• SHOP -- THE CARD YOU PICK CAN SAVE YOU MONEY
• 66 WAYS TO SAVE MONEY
• HOW TO GET LESS JUNK MAIL
Its EZ to get straight answers
What is a credit file disclosure?
A credit file disclosure provides you with all of the information in your credit file maintained by a consumer
reporting company that could be provided by the consumer reporting company in a consumer report about
you to a third party, such as a lender. A credit file disclosure also includes a record of everyone who has
received a consumer report about you from the consumer reporting company within a certain period of
time ("inquiries").
The credit file disclosure includes certain information that is not included in a consumer report about you to
a third party, such as the inquiries of companies for pre-approved offers of credit or insurance and
account reviews, and any medical account information which is suppressed for third party users of
consumer reports. You are entitled to receive a disclosure copy of your credit file from a consumer
reporting company under Federal law and the laws of various states.
How often can I request a free credit file disclosure?
You are entitled to receive one free credit file disclosure every 12 months from each of the nationwide
consumer credit reporting companies – Equifax, Experian and TransUnion. This free credit file can be
requested through this website, by phone or by mail.
How else can I request my free annual credit file disclosure?
If free credit reports are available in your state through the Annual Credit Report Request Service, you can
request a free annual credit report by phone or mail and it will be mailed within 15 days. However, you can
receive a report immediately by using this secure website. Click on this link to find information on how to
request a free annual credit report by phone or mail.
Should I order all my credit file disclosures at one time or space them out?
You are entitled to receive one free credit file disclosure every 12 months from each of the nationwide
consumer credit reporting companies through the Central Source. It is entirely your choice whether you
order all three credit file disclosures at the same time or order one now and others later. The advantage of
ordering all three at the same time is that you can compare them. (However, you will not be eligible for
another free credit file disclosure from the Central Source for 12 months.)
On the other hand, the advantage of ordering one now and others later (for example, one credit file
disclosure every four months) is that you can keep track of any changes or new information that may
appear on your credit file disclosure. Remember, you are entitled to receive one free credit file disclosure
through the Central Source every 12 months from each of the nationwide consumer credit reporting
companies – Equifax, Experian and TransUnion – so if you order from only one company today you can
still order from the other two companies at a later date.
What is a credit score?
A credit score is a complex mathematical model that evaluates many types of information in a credit file. A
credit score is used by a lender to help determine whether a person qualifies for a particular credit card,
loan, or service. Most credit scores estimate the risk a company incurs by lending a person money or
providing them with a service –– specifically, the likelihood that the person will make payments on time in
the next two to three years. Generally, the higher the score, the less risk the person represents.
How can I get my credit score?
You can purchase a credit score by contacting one of the nationwide consumer credit reporting companies.
Equifax - www.equifax.com
Experian - www.experian.com
TransUnion - www.transunion.com
You can also contact us to request your free credit report.
What about companies that claim they can improve my credit report for a fee?
The Federal Trade Commission (FTC) cautions consumers to be wary of companies that make claims
regarding credit repair. These companies, commonly called credit clinics, don't do anything for consumers
that consumers cannot do for themselves at little or no cost. Beware of any organization that offers to
create a new identity and credit file for you. The FTC and state attorneys general have filed actions against
those who pursue these fraudulent practices. Here are some warning signs that the FTC and others say
consumers should look out for to determine if they might be dealing with a credit clinic:
An organization that guarantees to remove late payments, bankruptcies, or similar information from a
credit report
An organization that charges a lot of money to repair credit
A company that asks the consumer to write to the credit reporting company and repeatedly seek
verification of the same credit account information in the file, month after month, even though the
information has been determined to be correct
An organization that is reluctant to give out their address or one that pushes you to make a decision
immediately
For a helpful brochure about credit clinics, you can write to the Federal Trade Commission, Sixth and
Pennsylvania Avenues, N.W., Washington, D.C. 20004 and request a brochure titled "Credit Repair: Self
Help May Be Best."
Am I entitled to a free credit report under state law?
In addition to consumers who are eligible for a free credit file disclosure through the Annual Credit Report
Request Service; consumers in some states are eligible for a free credit file disclosure under state law. The
following states have laws that make free credit reports available to consumers: Colorado, Georgia, Maine,
Maryland, Massachusetts, New Jersey and Vermont.
How do I contact the Federal Trade Commission (FTC)?
Federal Trade Commission
Consumer Response Center
Room 130
600 Pennsylvania Avenue, N.W.
Washington, D.C. 20580
www.ftc.gov/credit
It’s EZ to Get More Resources
Online
ABA Law Practice Management Section — Estate Planning and Probate Interest Group
URL: http://www.abanet.org/lpm/lpdiv/estate.html
American Consumer Credit Counseling
URL: http://www.consumercredit.com
American Express Small Business Services
URL: http://www6.americanexpress.com/smallbusiness/
segments/finding_money.asp
BayHouse WWW
URL: http://www.bayhouse.com/credit.html
Center for Debt Management
URL: http://www.center4debtmanagement.com
Commercial Law League of America
URL: http://www.clla.org
Consumer Counseling Centers of America, Inc.
URL: http://www.consumercounseling.org/about.html
Debt Counselors of America
URL: http://www.dca.org/home.htm
Debtors Anonymous
URL: http://www.debtorsanonymous.org
Equifax, Inc.
URL: http://www.equifax.com
Experian Information Solutions, Inc.
URL: http://www.experian.com
Federal Trade Commission-Consumer Protection
URL: http://www.ftc.gov/bcp/menu-credit.htm
Find Law Site Matches
URL: http://www.findlaw.com/scripts/search.pl?CiRestriction=credit
Lawlounge
URL: http://lawlounge.com/topics/corporate
‘Lectric Law Library Lawcopedia’s Consumer Rights & Protection Topic Area
URL: http://www.lectlaw.com/tcos.html
Legal Information Institute—U.S. Debtor and Creditor Law
URL: http://www.law.cornell.edu/topics/debtor_creditor.html
National Foundation for Consumer Credit (NFCC), The
URL: http://www.nfcc.org
Public Interest Research Group Consumer Credit & Privacy
URL: http://www.pirg.org/pirg/consumer/credit/index.htm
Trans Union LLC
URL: http://www.transunion.com
Victims of Credit Reporting
URL: http://members.aol.com/victcrdrpt/index.html
Consumer Credit Laws
Fair Credit Reporting Act
URL: http://www4.law.cornell.edu/uscode/15/1681.html
Fair Credit Billing Act
URL: http://www.law.cornell.edu/uscode/15/1637.shtml
Equal Credit Opportunity Act
URL: http://www4.law.cornell.edu/uscode/15/1691.html
Fair Debt Collection Practices Act
URL: http://www4.law.cornell.edu/uscode/15/1692.html
Related Sites
Institute of Certified Financial Planners
URL: http://www.icfp.org
International Association for Financial Planning
URL: http://www.iafp.org
Mortgage 101
URL: http://mortgage101.com/pg00015.htm
National Association of Personal Financial Advisors
URL: http://www.napfa.org
Pension and Welfare Benefits Administration
URL: http://www.dol.gov/dol/pwba
Legal Search Engines
All Law
http://www.alllaw.com
American Law Sources On Line
http://www.lawsource.com/also/searchfm.htm
Catalaw
http://www.catalaw.com
FindLaw
URL: http://www.findlaw.com
Hieros Gamos
http://www.hg.org/hg.html
InternetOracle
http://www.internetoracle.com/legal.htm
LawAid
http://www.lawaid.com/search.html
LawCrawler
http://www.lawcrawler.com
LawEngine, The
http://www.fastsearch.com/law
LawRunner
http://www.lawrunner.com
‘Lectric Law Library™
http://www.lectlaw.com
Legal Search Engines
http://www.dreamscape.com/frankvad/search.legal.html
LEXIS/NEXIS Communications Center
http://www.lexis-nexis.com/lncc/general/search.html
Meta-Index for U.S. Legal Research
http://gsulaw.gsu.edu/metaindex
Seamless Website, The
http://seamless.com
USALaw
http://www.usalaw.com/linksrch.cfm
WestLaw
http://westdoc.com (Registered users only. Fee paid service.)
State Bar Associations
DISTRICT OF COLUMBIA
District of Columbia Bar
1250 H Street, NW, 6th Floor
Washington, DC 20005
(202) 737-4700
Bar Association of the District
of Columbia
1819 H Street, NW, 12th floor
Washington, DC 20006-3690
(202) 223-6600
FLORIDA
The Florida Bar
The Florida Bar Center
650 Apalachee Parkway
Tallahassee, FL 32399-2300
(904) 561-5600
GEORGIA
State Bar of Georgia
800 The Hurt Building
50 Hurt Plaza
Atlanta, GA 30303
(404) 527-8700
http://www.kuesterlaw.com/
comp.html
HAWAII
Hawaii State Bar Association
1136 Union Mall
Penthouse 1
Honolulu, HI 96813
(808) 537-1868
http://www.hsba.org
IDAHO
Idaho State Bar
PO Box 895
Boise, ID 83701
(208) 334-4500
ILLINOIS
Illinois State Bar Association
424 South Second Street
Springfield, IL 62701
(217) 525-1760
INDIANA
Indiana State Bar Association
230 East Ohio Street
Indianapolis, IN 46204
(317) 639-5465
http://www.iquest.net/isba
IOWA
Iowa State Bar Association
521 East Locust
Des Moines, IA 50309
(515) 243-3179
http://www.iowabar.org
KANSAS
Kansas Bar Association
1200 Harrison Street
Topeka, KS 66601
(913) 234-5696
http://www.ink.org/public/cybar
KENTUCKY
Kentucky Bar Association
514 West Main Street
Frankfort, KY 40601-1883
(502) 564-3795
http://www.kybar.org
LOUISIANA
Louisiana State Bar Association
601 St. Charles Avenue
New Orleans, LA 70130
(504) 566-1600
MAINE
Maine State Bar Association
124 State Street
PO Box 788
Augusta, ME 04330
(207) 622-7523
http://www.mainebar.org
MARYLAND
Maryland State Bar Association
520 West Fayette Street
Baltimore, MD 21201
(410) 685-7878
http://www.msba.org/msba
MASSACHUSETTS
Massachusetts Bar Association
20 West Street
Boston, MA 02111
(617) 542-3602
(617) 542-9103 (lawyer referral
service)
MICHIGAN
State Bar of Michigan
306 Townsend Street
Lansing, MI 48933-2083
(517) 372-9030
http://www.umich.edu/~icle
MINNESOTA
Minnesota State Bar Association
514 Nicollet Mall
Minneapolis, MN 55402
(612) 333-1183
MISSISSIPPI
The Mississippi Bar
643 No. State Street
Jackson, Mississippi 39202
(601) 948-4471
MISSOURI
The Missouri Bar
P.O. Box 119, 326 Monroe
Jefferson City, Missouri 65102
(314) 635-4128
http://www.mobar.org
MONTANA
State Bar of Montana
46 North Main
PO Box 577
Helena, MT 59624
(406) 442-7660
NEBRASKA
Nebraska State Bar Association
635 South 14th Street, 2nd floor
Lincoln, NE 68508
(402) 475-7091
http://www.nol.org/legal/
nsba/index.html
NEVADA
State Bar of Nevada
201 Las Vegas Blvd.
Las Vegas, NV 89101
(702) 382-2200
http://www.dsi.org/statebar
/nevada.htm
NEW HAMPSHIRE
New Hampshire Bar Association
112 Pleasant Street
Concord, NH 03301
(603) 224-6942
NEW JERSEY
New Jersey State Bar Association
One Constitution Square
New Brunswuck, NJ 08901-1500
(908) 249-5000
NEW MEXICO
State Bar of New Mexico
121 Tijeras Street N.E.
Albuquerque, NM 87102
mailing address:
PO Box 25883
Albuquerque, NM 87125
(505) 843-6132
NEW YORK
New York State Bar Association
One Elk Street
Albany, NY 12207
(518) 463-3200
http://www.nysba.org
NORTH CAROLINA
North Carolina State Bar
208 Fayetteville Street Mall
Raleigh, NC 27601
mailing address:
PO Box 25908
Raleigh, NC 27611
(919) 828-4620
North Carolina Bar Association
1312 Annapolis Drive
Raleigh, NC 27608
mailing address:
PO Box 12806
Raleigh, NC 27605
(919) 828-0561
http://www.barlinc.org
NORTH DAKOTA
State Bar Association of North
Dakota
515 1/2 East Broadway, suite 101
Bismarck, ND 58501
mailing address:
PO Box 2136
Bismarck, ND 58502
(701) 255-1404
OHIO
Ohio State Bar Association
1700 Lake Shore Drive
Columbus, OH 43204
mailing address:
PO Box 16562
Columbus, OH 43216-6562
(614) 487-2050
OKLAHOMA
Oklahoma Bar Association
1901 North Lincoln
Oklahoma City, OK 73105
(405) 524-2365
OREGON
Oregon State Bar
5200 S.W. Meadows Road
PO Box 1689
Lake Oswego, OR 97035-0889
(503) 620-0222
PENNSYLVANIA
Pennsylvannia Bar Association
100 South Street
PO Box 186
Harrisburg, PA 17108
(717) 238-6715
Pennsylvania Bar Institute
http://www.pbi.org
PUERTO RICO
Puerto Rico Bar Association
PO Box 1900
San Juan, Puerto Rico 00903
(809) 721-3358
RHODE ISLAND
Rhode Island Bar Association
115 Cedar Street
Providence, RI 02903
(401) 421-5740
SOUTH CAROLINA
South Carolina Bar
950 Taylor Street
PO Box 608
Columbia, SC 29202
(803) 799-6653
http://www.scbar.org
SOUTH DAKOTA
State Bar of South Dakota
222 East Capitol
Pierre, SD 57501
(605) 224-7554
TENNESSEE
Tennessee Bar Assn
3622 West End Avenue
Nashville, TN 37205
(615) 383-7421
http://www.tba.org
TEXAS
State Bar of Texas
1414 Colorado
PO Box 12487
Austin, TX 78711
(512) 463-1463
UTAH
Utah State Bar
645 South 200 East, Suite 310
Salt Lake City, UT 84111
(801) 531-9077
VERMONT
Vermont Bar Association
PO Box 100
Montpelier, VT 05601
(802) 223-2020
VIRGINIA
Virginia State Bar
707 East Main Street, suite 1500
Richmond, VA 23219-0501
(804) 775-0500
Virginia Bar Association
701 East Franklin St., Suite 1120
Richmond, VA 23219
(804) 644-0041
VIRGIN ISLANDS
Virgin Islands Bar Association
P.O. Box 4108
Christiansted, Virgin Islands
00822
(809) 778-7497
WASHINGTON
Washington State Bar
Association
500 Westin Street
2001 Sixth Avenue
Seattle, WA 98121-2599
(206) 727-8200
http://www.wsba.org
WEST VIRGINIA
West Virginia State Bar
2006 Kanawha Blvd. East
Charleston, WV 25311
(304) 558-2456
http://www.wvbar.org
West Virginia Bar Association
904 Security Building
100 Capitol Street
Charleston, WV 25301
(304) 342-1474
WISCONSIN
State Bar of Wisconsin
402 West Wilson Street
Madison, WI 53703
(608) 257-3838
http://www.wisbar.org/
home.htm
WYOMING
Wyoming State Bar
500 Randall Avenue
Cheyenne, WY 82001
PO Box 109
Cheyenne, WY 82003
(307) 632-9061
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And now for the legal speech;This EZhomebuyer information does not constitute the rendering of legal advice or services. This information is intended for informational use only and is not
a substitute for legal advice. State laws vary, so consult an attorney on all legal matters. This program was not prepared by a person licensed to practice law in this state and is not
intended to be rendering of legal or tax advice in anyway whatsoever.