Chapter 1 – Congratulate Yourself

• What Do I Want To Accomplish?
• How Do I Know If I Am Successful?
• Let’s Agree On A Few Things
• Course Layout

Chapter 2 – What To Do About Collection Agencies

• Overview
• Ceasing Communication
• The Right Approach
• How To Be Proactive
• Step-by-step Instructions
• Step-By-Step Diagram: Stop Collection Agencies

Chapter 3 – Know Your Rights

Chapter 4 – The Internet – Pros and Cons

Chapter 5 – Understanding Credit Bureaus

• What Are They?
• Who Uses Them?
• What Looks Good And What Doesn’t Matter

Chapter 6 – Request Your Credit Reports

• The Big Three
• Equifax
• Experian
• TransUnion
• Why Consolidated Reports Are A Bad Idea
• Why Your Reports May Differ

Chapter 7 – Create A Plan

• What I Need To Do
• Set Personal Goals
• Do What Makes Financial Sense
• Manage Your Money Wisely
• Avoid Debt Consolidation
• Step-By-Step Diagram: - Create Your Plan

Chapter 8 – Verifying Information

• Remember To Do This First
• Overview
• What If This Does Not Work
• Controversial Topics
• Step-By-Step Instructions – Credit Bureaus
• Step-By-Step Diagram: Verifying Information - Credit Bureaus
• Step-By-Step Instructions – Creditors
• Step-By-Step Diagram: Verifying Information - Creditors

Chapter 9 – Negotiating Overdue Accounts

• Overview
• Main Objective
• Things To Remember
• Possible Roadblocks
• Time Proven Method
• Using Leverage To Your Advantage
• Step-By-Step Instructions
• Step-By-Step Diagram : Negotiating Overdue Accounts

Chapter 10 – Using Small Claims Court

• Overview
• Why Use Small Claims Court
• Things To Remember
• The Process
• What To Do In court
• If You Win
• If You Do Not Win
• Step-By-Step Diagram: Using Small Claims Court

Chapter 11 – How To Build Good Credit

• Overview
• Personally Consolidate Your Credit Cards
• Retail And Gas Credit Cards
• Secured Loans Against Savings/Checking Accounts
• Major Credit Cards
• Secured Credit Cards
• Find A Cosigner

Chapter 12 – Other Useful Information

• Wipe Out Debts Without Bankruptcy
• 100 Word Statements
• Should I Attempt File Segregation
• What About Excessive Inquiries
• Always Be Proactive

Sample Letters & Agreements

What To Do About Collection Agencies

• LETTER 1: Stop Communications - Collection Agencies
• LETTER 2: Stop Communications – Creditors
• LETTER 3: Remove Information – Collection Agencies

Request Your Credit Reports

• LETTER 4: Free Credit Report Request
• LETTER 5: Credit Report Request

Verifying Negative Information

• LETTER 6: Stop Reporting Negative Information – Collection Agency
• LETTER 7: Verify Information, First Letter– Credit Bureau
• LETTER 8: Verify Information, 1st Letter– Creditor
• LETTER 9: Verify Information, 2nd Letter– Creditor
• LETTER 9.5: Verify Information, Final Letter– Credit Bureaus

Negotiating Overdue Accounts

• AGREEMENT 1: Agreement To Creditor – One-time Payment
• AGREEMENT 2: Agreement To Creditor – Payment Plan

Using Small Claims Court

• LETTER 10: Small Claims Court Judgment

Other Useful Information

• LETTER 11: Remove Inquiries
  

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