Introduction
The credit reporting industry has gone through tremendous changes in recent years. Most of these changes are the result of pressure brought to bare on the industry by Congress and public interest groups. Needles to say, these groups felt that the consumer wasn’t getting a fair shake when it came to credit reporting and the effects of it. And rightly so with a history replete with stories of incorrect negative information on the credit files of unsuspecting citizen’s un-removed information and an industry that turned a deaf ear to outraged individuals.
This information package deals with some of the more important changes in the credit industry and is directed at equipping you with the necessary knowledge of how the industry works, how to effectively get the system to work for you the consumer and to prepare you with the facts that can turn a request for credit to a gratifying experience.
This report is not designed to encourage any illegal activity on the part of anyone reading it. This must be stated up front because there are so many unscrupulous peddlers of mayhem out there who are only to quick to take your money while providing inadequate information of the illegal sort.
It is really simple. It is not possible to get a completely new credit file overnight without doing it illegally. Anyone who says it is, is lying. We will discuss some of those credit repair scams in some detail later on to inform you of what to watch out for in the section “If It Walks like a Duck. “The principals laid down in this report are built upon the foundation of solid information known by the insiders of the industry and unfortunately, little know or understood by the average consumer.
Credit is a wonderful asset for personal financial management and a necessary tool for business growth. It is imperative that every citizen knows the inner workings of an industry that has such a profound affect on all our lives. It is to this end that this information package is designed.
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