CREDIT REPAIR
GUIDEBOOK
How to fix your credit
reports, raise your credit
score, and get ready for a
better future
Copyright 2021 by Credit Deputies LLC
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Your Path to better credit
WHY CREDIT REPAIR?
Repairing your credit is one of the best gifts you can give yourself:
Credit reports and credit scores have a huge impact on your daily life and
financial future
Credit report errors are very common
By following this established repair process, you can improve your credit and
your quality of life
6 MONTHS FROM NOW
where Do you want to be?
Without credit repair: With credit repair:
Rejected for loans Easy loan approval
Turned down for jobs Career on the move
High interest rates Low interest rates
Trouble renting In a nice home
Stressed and anxious Excited for the future
Copyright 2021 by Credit Deputies LLC 1
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Your credit reports
CREDIT REPORTS
Your credit reports include the following info:
Personal information
Name, birthdate, SSN, addresses, phone numbers, and
employers
Credit accounts
Public records, such as bankruptcies
Recent credit inquiries
Who can legally view your report?
Lenders and Banks
Collection companies
Insurance and Utility companies
Landlords
Employers and potential employers (with consent)
Government agencies
you have 3 of them!
There are 3 different credit reporting bureaus:
Equifax
Experian
TransUnion
Each report may contain different information
It's important to review all 3 regularly
Copyright 2021 by Credit Deputies LLC 2
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Your credit reports
CREDIT REPORTS
how to obtain your reports
One free copy of each report per year
AnnualCreditReport.com
Paid services for monthly reports and monitoring
Visit smartcredit.com/creditdeputies for "3-bureau credit
reports"
What to look for: Personal information
Check for inaccuracies in:
Listed name variations and aliases
Any different SSN reported by creditors
Past and current addresses
Year of birth
Past and current employers
What to look for: account information
Check for inaccuracies such as:
Closed accounts reported as being open
Incorrectly reported as late or delinquent
Incorrect dates of last payment or date opened
Same debt listed more than once
Incorrect balance amounts
Copyright 2021 by Credit Deputies LLC 3
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Your credit reports
organizing info to be disputed
Start a document for each of the 3 reports including:
An entry for each negative account
Company name
Address
Any inaccuracies noted in report entry
Entries for any inaccurate personal information
YOUR LEGAL RIGHTS
fair credit reporting act
You have the right to know what is in your file
You have the right to dispute incomplete or inaccurate
information
Consumer reporting agencies must correct or delete
inaccurate, incomplete, or unverifiable information
other consumer reporting companies
Besides the 3 bureaus, there are many private companies that create credit
reports.
Unlike the 3 bureaus, you can opt-out of being reported on by these
companies
See the resource link in your guidebook for a full list of consumer reporting
companies
Copyright 2021 by Credit Deputies LLC 4
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Your credit reports
consumer reporting companies
Request a copy of your credit report from each
of the consumer reporting companies (data
miners)
Review these reports for inaccuracies
Prepare dispute folders as you did for the
credit bureau reports
protect yourself from data miners
The 3 credit bureaus also sell your information to lenders
and insurance companies
You have the right to opt-out and freeze your reports
Opt-out options:
Visit www.optoutprescreen.com
Call (888) 5-OPTOUT
CREDIT REPAIR OVERVIEW
plan on 4 to 6 month process
1. Identify credit report info to dispute
2. Write dispute letters to all 3 bureaus
3. Review bureau responses to disputes
4. Send method of verification requests
5. Send collector validation letters (if applicable)
6. Send 609 letters to bureaus (if applicable)
7. File an official complaint with CFPB
Copyright 2021 by Credit Deputies LLC 5
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Your credit reports
MY TASKS
complete the following steps
Request a credit report from each of the 3 bureaus and from
the reporting agencies
Suppress/opt out of data miner reports and freeze reports
Review each report and organize all info to be disputed
Complete the Credit Report Review Checklist in your workbook
Create 3 documents to organize all info to be disputed
Copyright 2021 by Credit Deputies LLC 6
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Your credit reports
ONLINE RESOURCES
1. Credit reports and scores key terms
2. Free credit report: www.annualcreditreport.com
3. Opt out from data miners
4. Opt out from consumer reporting companies
5. Fair Credit Reporting Act
6. FTC Credit Report Information
7. Fair Debt Collection Practice Act
8. Additional Source for Fair Debt Collection Practice Act
9. Fair Credit Billing Act
10. Metro 2 Compliance Source 1, Source 2
11. Attorney General’s Office: Find your states attorney general office
Where To Get Credit Reports:
Free Credit Click- Offers $1 Trial. Print out your credit report and save it to your
computer before canceling in 4 days before the trial period ends. Wait 30 days
and then order your report from the next provider.
Free Score 360- Offers a $1 Trial. Print out your credit report and save it to your
computer before canceling in 4 days before the trial period ends. In 30 days
create an account with our recommended provider.
Smart Credit- Our Recommended Credit Monitoring Provider. THE BEST CREDIT
MONITORING FOR BOOSTING YOUR CREDIT. This is the one we want you to keep
after you cancel the other two.
Copyright 2021 by Credit Deputies LLC 7
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Your credit reports
ADDRESSES
3 Main Credit Bureaus: Equifax Credit Information Services,
Experian Inc.
PO Box 4000 P.O. Box 740256
Allen, TX 75013 Atlanta, GA 30374
TransUnion
PO Box 2000
Chester, PA 19016
Data Miners: Request Suppression By Mail:
LexisNexis Individual Requests for
LEXISNEXIS Information Suppression
Security Freeze By US Mail: PO Box 933
LexisNexis Risk Solutions Consumer Dayton, OH 45401
Center
Attn: Security Freeze Request Suppression By Phone:
P.O. Box 105108 888-567-8688
Atlanta, GA 30348-5108 Request Suppression:
https://consumer.risk.lexisnexis.com/ Link To Online Form
Security Freeze Online: Request Your Consumer Report Online:
Link To Online Freeze Request Link To Order Report Online
Security Freeze By Phone: Request Report By Phone:
800-456-1244 888-497-0011
Copyright 2021 by Credit Deputies LLC 8
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Your credit reports
ADDRESSES
CORELOGIC
Data Miners: Security Freeze By US Mail:
CoreLogic Credco, LLC
INNOVIS Consumer Relations Department
Request Security Freeze By US Mail: Security Freeze Request
Innovis Consumer Assistance P.O. Box 509124
PO Box 26 San Diego, CA 92150
Pittsburgh, PA15230-0026
www.innovis.com Security Freeze By Phone:
Link To Mail-In Freeze Request (877) 532-8778
Security Freeze By Fax:
Security Freeze By Phone: (800) 237-6526
800-540-2505 Security Freeze Online: Link
Security Freeze Online: Link
Suppress Request: Link
Request Suppression: Link Request Report By Phone:
Request Suppression By Mail: (877) 532-8778
Innovis Consumer Assistance
PO Box 495 Request Consumer Report: Link
Pittsburgh, PA 15230-1689 Request Consumer Report By US Mail:
CoreLogic Teletrack
Request Your Consumer Report Online: P.O. Box 509124
Link To Order Report Online San Diego, CA 92150
Request Report By Phone: Attention: Consumer Disputes Department
1-800-540-2505
Copyright 2021 by Credit Deputies LLC 9
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Your credit reports
ADDRESSES
Data Miners:
SAGESTREAM CARS
Security Freeze By Mail: Security Freeze By Mail:
SageStream, LLC Consumer Office, Advanced Resolution Service, INC
P.O. Box 503793 5005 Rockside Road, Suite 600
San Diego, CA 92150 Independence, OH 44131
888-395-0277
Request online:
Security Freeze By Online: Link to online form
Link To Online Freeze Request
Security Freeze By Phone:
(877) 532-8778
Request Suppression:
Link To Online Form Security Freeze By Fax:
(216) 615-7642
Request Report Online:
Link To Online Request Form Request Suppression and Report:
Link to more information
Request Report Via Fax:
(858) 451-2847
Copyright 2021 by Credit Deputies LLC 10
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Starting your disputes
DISPUTE PROCESS
tracking and documentation are crucial
Track in a spreadsheet
Create a folder for each bureau containing:
Copy of each letter
Copy of each response
Copy of each version of credit report
Always communicate by mail
Some legal rights only apply when using written, mailed letters
Avoid communicating by phone, email, or website
Take photos of all letters before you mail them
personal identifier letters
Fix any incorrect personal information in your
reports by sending a personal identifier letter
as a first step
Send a letter separately to each bureau or
agency
Copyright 2021 by Credit Deputies LLC 11
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Starting your disputes
DISPUTE PROCESS
suppress and freeze data miner reports
Before sending dispute letters to the credit bureaus:
Send your personal identifier letters
Suppress or opt out of all data miner agencies
Freeze all data miner credit reports
Wait 20 - 30 days before sending dispute letters
Can work directly with creditors during this time (see Module 4)
FIRST DISPUTE LETTER
Open the dispute files you created in Module 2
You will start with one letter to each of the 3 bureaus
repeat the process for each of the 3 bureaus
Tailor each letter to exactly what is in that
bureau's report
Use a dispute letter template to help you write
an effective dispute
Copyright 2021 by Credit Deputies LLC 12
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Starting your disputes
DISPUTE RESPONSES
expected timeline
Each bureau has:
35-45 days to investigate
5 more business days to send the results
Expect responses in 30-55 days
You will receive a response and a new copy of report
REVIEWING RESPONSES
what to look for in the letter
Disputed items may be listed as:
'Verified'
'Deleted'
A 'verified' label does not prove the bureau actually
checked the information thoroughly
what to look for in the credit report
Compare the new copy of your credit report line by line to the previous copy
Look for:
Disputed info that remains
Disputed info that was deleted
Any other changes
Copyright 2021 by Credit Deputies LLC 13
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Starting your disputes
what to look for in the credit report
Compare all 3 bureau credit reports to each
other and note any differences
Any discrepancies indicate incorrect info that
legally must be removed until corrected
You may need to send new dispute letters if you
find new discrepancies
RESPONSE TRACKING
documentation is essential for success
Continue documenting and tracking all letters
Save scans or photos of every letter
Record each response and its results
Track every item in a spreadsheet
METHOD OF VERIFICATION
when disputed info remains in report
Bureau must thoroughly document their
verification process for any disputed info
They must send you proof of this verification
when requested
Copyright 2021 by Credit Deputies LLC 14
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Starting your disputes
METHOD OF VERIFICATION
when disputed info remains in report
Send a Method of Verification request letter
If the response lists the info as 'verified'
If any disputed info remains in the report
Must be received within 15 days of the conclusion of 1st dispute
Best to mail next day after receiving response
dispute process
Write separate letter for each bureau, as needed
Use a method of verification template to help you write an effective letter
Take pictures and then mail with USPS tracking
Document and record in tracker
Wait for and track responses
If insufficient documentation of verification method is sent, you can file
a complaint against the bureau
We'll explore complaints in a later module
Copyright 2021 by Credit Deputies LLC 15
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Starting your disputes
MY TASKS
complete the following steps
Complete steps 6 - 7 in your workbook
Prepare your first dispute letter for each bureau
Document and track your disputes
Review and track the responses
Prepare method of verification requests, as needed
Review and track the responses
ONLINE RESOURCES
1. Dispute addresses and information
2. Prevent, report, and recover from identity theft
3. The Better Business Bureau-
a. If you aren’t getting the results you need after disputing with the creditors
and credit bureaus, you can file a complaint with the BBB online or over
the phone.
b. Make sure you gather all of your supporting documentation (previous
letters sent, responses from creditors and/or credit bureaus, proof of
mailing, etc.)
c. Be sure to include your desired resolution in your complaint.
Copyright 2021 by Credit Deputies LLC 16
MODULE
4
working with collectors
DEBT VALIDATION LETTERS
Sent to collectors
Requires collection agency to either validate debt or stop reporting it
Can be risky to send, depending on circumstances
pros and cons
Collector may validate and sue you for debt
Collector has unlimited time to process the request
If account is fairly new and has a high balance, they are likely to sue for
payment
If collector fails to validate, you can file to have the debt removed from
credit report
While the request is being processed, collector is not allowed to:
continue reporting debt to the bureaus
continue collection activities
To determine if a debt validation letter is the right choice for you:
Check your state's statute of limitations
Check the amount of the debt
Check to see how many collectors have owned this particular debt
Copyright 2021 by Credit Deputies LLC 17
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working with collectors
DEBT VALIDATION LETTERS
process
Send debt validation letter to collector, if appropriate
Use a letter template
Send with USPS tracking
Save photos of letters
Track all letters in spreadsheet
Wait for response to see if validated or not
Collector has unlimited time, but cannot continue activity until validated
If no response, can choose to:
File a complaint to have removed from report
Negotiate a settlement
NEGOTIATING
when to settle
Some collectors will settle debts for pennies on the dollar
Good candidates for negotiation:
Older debt close to or past the statute of limitations
Debts owned by multiple collectors
Copyright 2021 by Credit Deputies LLC 18
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working with collectors
NEGOTIATING
statutes of limitations
Statutes on debt collections vary by state
Usually 3-6 years
Check your state for details
Can be reset by any new payment activity
Statute on reporting to credit bureau is 7 years from the date of first delinquency
pros and cons
Collector may sue you for debt once you get their attention by negotiating
A successful negotiation can remove debt completely for a low cost
Check statute of limitations and age of debt to help you make a decision
important tips
Do NOT acknowledge that debt is legitimate
Do NOT make any partial payments
DO dispute the debt but offer a small settlement payment
pay to delete settlement
Any settlement you agree to must include:
Fulfillment of all debt obligations
No further contact from collector
Permanent removal from credit report
Copyright 2021 by Credit Deputies LLC 19
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working with collectors
MY TASKS
complete the following steps
Review each debt in collections and determine if any are good candidates
for debt validation letters
Check responses to letters (or lack of responses) and determine if you
should attempt to negotiate settlement on any of the debts
ONLINE RESOURCES
1. State by state statutes of limitations on debt
2. Statutes of limitations info from CFPB
3. How can I verify whether or not a debt collector is legitimate?
a. Ask the caller for their name, company, street address, telephone number,
and if your state licenses debt collectors, a professional license number.
You can also refuse to discuss any debt until you get a written "validation
notice." Do not give personal or financial information to the caller until you
have confirmed it is a legitimate debt collector.
4. Check if Collection Agency Is Licensed and/or bonded in your state
Copyright 2021 by Credit Deputies LLC 20
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5
continuing your dispute process
609 DISPUTE LETTERS
Sent to credit bureaus
Dispute inaccuracies in your credit report
Info must be verified or removed from report
Can be risky to send, depending on circumstances
pros and cons
Bureau sends info on to collector who may sue you for debt as a
result of the investigation
A successful dispute process can result in removal of the negative
account from report
Check statute of limitations and age of debt to help you make a
decision
dispute process
Identify dispute candidates from each credit report
List the account name and number exactly as on that bureau's report
Include no more than 5 accounts per letter
Write multiple letters to a bureau, if needed
Keep letters simple with only necessary info
Copyright 2021 by Credit Deputies LLC 21
MODULE
5
continuing your dispute process
609 DISPUTE LETTERS
E-oscar dispute codes
E-Oscar dispute codes (see table on next page)
Use other tactics to beat system, such as:
Sending letters to multiple bureau addresses
Stapling letters
Using different fonts, heavy paper, and highlighting
Be sure to also read the provided handout "What is E-Oscar and why you need
to know about it on the path to repairing your credit?"
Copyright 2021 by Credit Deputies LLC 22
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continuing your dispute process
Copyright 2021 by Credit Deputies LLC 23
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continuing your dispute process
609 DISPUTE LETTERS
documentation and tracking
Before mailing, have your letters and credit reports notarized
Required in case you need to file a complaint
Send letters certified mail with return receipt
Track all letters in spreadsheet
Add photos of all letters and return receipts to files
bureau responses
Bureau may respond with stall tactics
Asking for additional info
Questioning identity
Only acceptable bureau responses:
Providing adequate proof of verification
Removing unverified debt from report
continuing the dispute process
If bureau removes some accounts but not all:
Repeat the 609 dispute letter process
Send up to 6 rounds of letters
Document and track all letters and results
If bureau stalls or claims verification without proof:
File an official complaint
Copyright 2021 by Credit Deputies LLC 24
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5
continuing your dispute process
MY TASKS
complete the following steps
Review each negative account in your credit reports and determine if
any are good candidates for 609 dispute letters
Track and document letters and responses
ONLINE RESOURCES
1. Dispute addresses and information
Copyright 2021 by Credit Deputies LLC 25
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filing a complaint
FILING A COMPLAINT
your rights
If bureau claims to have verified debt but did not provide documentation:
Can file a complaint against credit bureau
If negative info remains on report during dispute:
Can file a complaint against credit bureau and collector
consumer financial protection bureau
CFPB is a U.S. government agency that makes sure banks, lenders, and
other financial companies treat you fairly
CFPB seeks to:
Empower and educate consumers
Enforce fair practices
when to file
After a method of verification request
If credit bureau claims debt is verified but does not provide adequate
documentation of verification
After a debt validation request
If collector does not respond but keeps reporting the account
After a 609 dispute letter, if bureau:
Claims debt is verified but does not provide adequate proof
Does not validate debt but keeps reporting it
Uses stall tactics
Copyright 2021 by Credit Deputies LLC 26
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filing a complaint
FILING A COMPLAINT
complaint process
Complaints are submitted on CFPB website
www.consumerfinance.gov
Submit a separate complaint for each bureau or collector
Follow the process on the site to submit your dispute and documentation
Credit bureaus must respond to CFPB directly
You will be notified by email
You can dispute their response through the site
CFPB will review your dispute and force removal of unverified info from
your report
Copyright 2021 by Credit Deputies LLC 27
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6
filing a complaint
MY TASKS
complete the following steps
Check your tracking and documentation and identify candidates for filing
complaints
Submit complaints, with documentation, to CFPB
ONLINE RESOURCES
1. Consumer Finance Protection Bureau
2. Submit a CFPB complaint
Copyright 2021 by Credit Deputies LLC 28
MODULE
7
raising your credit score
CREDIT SCORES
Credit scores measure creditworthiness
FICO credit scores range from 300 to 850
Poor: 300 - 579
Fair: 580 - 669
Good: 670 - 739
Very Good: 740 - 799
Exceptional: 800 - 850
the 5 credit score factors
Your payment history: 35%
Total amount owed: 30%
Length of credit history: 15%
Types of accounts: 10%
Recent credit activity: 10%
YOUR CREDIT SCORE
where to get it
Obtain your credit score from:
A credit card or loan statement or online account
A non-profit credit counselor
A credit score service
A credit bureau or FICO
Scores from different sources may vary slightly
Copyright 2021 by Credit Deputies LLC 29
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raising your credit score
RAISING YOUR SCORE
deleting negative accounts from reports
Dispute and complaint process can remove info from report
Raises your credit score
Improves payment history
Lowers total amount owed on report
If prior disputes did not remove all negative info:
Wait 30 – 90 days and begin again
Start with a new dispute reason for the negative account
Send a new round of up to 6 dispute letters
secured loans and credit cards
Set up secured loans or credit cards with a cash deposit
Use the card and make timely payments
Ensure the lender reports to all 3 credit bureaus
Raises your credit score
Improves payment history
Increases mix of account types
retailer credit cards
Sign up for a store card at your choice of retailer
Use the card and make timely payments
Ensure the lender reports to all 3 credit bureaus
Raises your credit score
Improves payment history
Increases mix of account types
Copyright 2021 by Credit Deputies LLC 30
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raising your credit score
RAISING YOUR SCORE
authorized user
Become an authorized user on a credit card of a relative with good credit history
Adds entire history of account to your credit report
Raises your credit score
Improves payment history
Potentially increases credit history length
payment credit for rent or utility bills
Sign up for a service that reports rental or utility bill payment info to the
credit bureaus
Check fees to weigh cost of service against potential score increase benefit
Raises your credit score
Improves payment history
paying down debt
Make a budget for paying down debt to get it below the 30% credit
utilization level
Raises your credit score
Improves payment history
Lowers total owed
Copyright 2021 by Credit Deputies LLC 31
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raising your credit score
RAISING YOUR SCORE
general tips
Make all payments on time
Keep your credit utilization low and pay down balances
Request an increase to your credit limit
Keep older accounts open even if unused
Be selective about opening new accounts
Diversify your mix of account types
why it matters
Your credit score impacts your ability to:
Obtain a loan
Get hired for a job
Rent a home
Higher credit scores qualify you for lower interest rates
Save tens of thousands of dollars over the life of just one loan
Copyright 2021 by Credit Deputies LLC 32
MODULE
7
raising your credit score
MY TASKS
complete the following steps
Obtain your current credit score
Complete steps 1 - 5 in your workbook
Plan a budget to make monthly payments on time
Make a plan to pay down large balances
Choose other actions from the module to raise your score
ONLINE RESOURCES
1. CFPB credit score info
2. FICO credit score info
3. New Coast Direct- RECOMMENDED MERCHANT CARD-You can get a 5k credit limit
with a small purchase. Buy the cheapest thing which will allow you to get the
account. Once the statement comes in, pay it off in full and never use it again!
4. Shop Simplio- Another Merchant Card that helps rebuild credit.
5. Self Lender- Helps you build credit for any stage in your financial journey. No
credit score is needed to get started!
6. Credit Strong - Credit Builder Savings Account. Build Credit - Payments reported
to all 3 major credit bureaus. No Upfront Deposit - Pay as little as $8.95 to get
started today. Monthly Deposit Plan Options: $15, $30, $50, $48, $89, $96
7. Credit Builder Card- #1 RECOMMENDED SECURED CARD -Get two of these cards
to build credit fast (Reports up to 6x per month with two cards).
8. MileStone Card- #1 UNSECURED CARD. You can obtain at least a $500 credit limit.
Copyright 2021 by Credit Deputies LLC 33
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raising your credit score
ONLINE RESOURCES CONTINUED
1. Indigo Mastercard- #2 UNSECURED CARD. You can obtain at least a $500 credit
limit.
2. More Credit Builder Offers, Bad Credit Loan Providers & More: Find other credit
builder products to help reestablish your credit.
3. Rent Reporters- They can help you rebuild your credit in a matter of days by
reporting your last two years’ of on-time rent payments to TransUnion. The
addition of this significant payment history will have a dramatic impact on your
credit and allow you to move towards credit independence.
4. ROCK The Score Rental Reporting- Report the past two years of rent payments
for a possible boost to your credit score!
5. Bad Credit Loans- They have been helping people with bad credit since 1998.
6. Auto Financing and Refinancing- Average Customer saves up to $2000 or more…
7. Tradelines/Authorized User- Learn more about purchasing tradelines/
piggybacking as an authorized user.
8. CuraDebt: Debt Relief & Debt Consolidation Service. CuraDebt specializes in
Debt Relief aimed at consumers who need help to settle their debt.
9. Lend Grow Student Loans: Refinance/Consolidate Student Loans- They connect
people with student loan refinancing options, and personal loans.
10. LendKey: Student loan refinancing service provider. They can reduce your
interest rate and lower your monthly payments.
11. Student Loan Analyzer: They can provide you with all the available options to
help navigate and make the most accurate decision pertaining to your Student
Loan Debt.
Copyright 2021 by Credit Deputies LLC 34
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your ongoing credit journey
YOUR CREDIT JOURNEY
progress made during this course
Obtained and checked your credit reports
Disputed inaccurate credit report info
Contacted collectors to validate date or negotiate settlements
Filed complaints with the CFPB
Taken action to raise your credit score
impact of credit repair
According to financial site balancingeverything.com, 48% of consumers see an
increase of 100 points or more in their credit score after spending at least 6
months doing credit repair
MY NEXT STEPS
the journey beyond this course
Visit https://creditdeputies.com/boost-guide.html to get started on
additional steps for boosting your credit
Celebrate all your credit repair accomplishments
and keep the momentum going!
To Learn More About Our Other Products & Services Visit Us Online
www.CreditDeputies.com
Copyright 2021 by Credit Deputies LLC 35
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your ongoing credit journey
LEARN MORE
To Learn More About Our Other Products & Services Visit Us Online
www.CreditDeputies.com
DONE FOR YOU CREDIT REPAIR COMPANIES
Credit Saint: Credit Saint provides professional credit repair services that help
you restore your credit by removing inaccurate, misleading or biased entries that
lower your credit score. The company has more than 15 years of experience and
offers personalized restoration plans based on your needs. Credit Saint also
provides educational resources to help you maintain your credit score after it has
been repaired.
Lexington Law: Lexington Law is a consumer advocacy law firm and a trusted
leader in the credit repair industry. They have helped hundreds of thousands of
Americans work to improve their credit by working to ensure that client credit
reports are fair, accurate and substantiated.
START YOUR OWN CREDIT REPAIR COMPANY
Make money helping others rebuild their credit. More information can be found
here
Start your own credit repair business find out more information here
Start your own credit business using Method 2 Compliance(M2C) method or
learn how to use this method of credit repair found here
Training and software to start your own credit repair business. More information
can be found here
Copyright 2021 by Credit Deputies LLC 36
