Contains all the information, forms and templates needed to repair and maintain credit.

A bad credit report can have a negative effect on your buying power and your life. It can mean youll have a difficult time purchasing a home or car, obtaining a credit card, entering into leases and other agreements and building the financial future you and your family deserve. When you dont keep tabs on your credit report, you can also be more susceptible to identity theft and credit fraud. You can take control and turn your credit around with this easytouse Credit Repair Kit. It provides everything you need to determine your credit status and repair your credit rating, including 14 forms and templates of credit letters.

TOPICS COVERED IN THE INSTRUCTIONAL GUIDE

credit ratings and reports
what your credit report discloses
common reasons for credit denial
how to get a copy of your credit report
credit scoring
your legal rights
10step strategy to repair your credit
how to gain creditor cooperation
turning around your bad credit rating
how credit clinics can ease bad credit
how to bolster your credit report
tax liens
bankruptcy

14 FORMS AND TEMPLATE LETTERS INCLUDED

request for credit report
request for free credit report
complaint letter to delete inaccurate information
request for removal of outdated information
reminder to respond
request to merge inquiries with account
demand for corrected credit report
addition of consumer statement
request for husband and wife file separation
request for addition of supplementary credit references
explanation for delinquent payment
creditor settlement agreement
request for reasons for credit denial
master credit data

All contents reviewed and approved by attorneys or industry experts.
System Requirements
All software products require a permanent registration code for full access.

Software purchased online as Downloadable Software already comes with a permanent registration code.

Compatible with all PCs running Microsoft Windows 2000, Microsoft Windows XP Home or Professional plus Apple Macintosh systems running Microsoft Windows. Not compatible with Apple or MAC O/S.

This product also requires

Adobe Acrobat Reader 6.0 or higher
Microsoft Internet Explorer 6.0 or higher
Microsoft Word 2000 or higher
Microsoft Excel 2000 or higher
Microsoft .NET Framework 1.1 Service Pack 1 SP1

This product is not intended to provide legal or financial advice or substitute for the advice of an attorney or advisor.

The purpose of this letter is to request and authorize a bank or credit card company to reissue monthly statements to you for a specific time period.

PLEASE NOTE To complete your monthly statements request, you will need to print and mail or fax the Request for Monthly Statements letter you create.The purpose of this letter is to request and authorize a bank or credit card company to reissue monthly statements to you for a specific time period. Generally, you should be receiving your monthly statements regularly. However, if a statement was misplaced or misdirected, you should immediately request such statement so that you can review it and/or submit payment against it. Further, with the increasing risk of identity theft, you may simply want to review past statements for possible fraudulent activity, ensuring that all transactions match up with your own records or recollection.

Use this letter to notify a bank or credit union that you want to stop payment on a check. This letter is commonly sent when a check has been lost or misplaced by the recipient and you are asked to reissue a new check.

In the Stop Payment on Check letter, the drawer is the person who writes the check or share draft, etc.. In nearly all states, a drawer may, by order to his or her bank, stop payment of any item payable on his or her account, but the order must be received at such time and in such manner as to afford the bank a reasonable opportunity to act on it. This means that the stop payment order must both a identify the check with reasonable accuracy, and b be received in time.

The purpose of this letter is to request that a password be required for any transactions on your bank accounts. Requiring a password helps prevent identify theft and fraudulent use of your account.

The letter requests the bank to require a password be given before a deposit, withdrawal, or other transaction takes place on your account with the bank. For example, if the password you select is Riverdeep and you attempt to withdraw money from your account, the bank should require that you give your account password before the withdrawal is authorized.

If you discover an account has been opened in your name without your authorization, you should contact the bank to close the account. The letter simply states that the account has been opened fraudulently or without your permission and asks the bank to close the account.

Note You should contact the bank immediately and use this letter as a followup.

If you choose not to call first, this letter can be used as a first contact with the bank.

The purpose of this letter is to allow you an opportunity to examine your bank account statements for possible fraudulent activity. Generally, you should have already received copies of your bank statements, but you may have destroyed them or misplaced them before becoming aware of the possibility of fraudulent activity.

This letter requests and authorizes the bank to reissue bank statements to you for a specific time period. Upon receiving the past bank statements, you should review them carefully for transactions that do not match up with your own records or recollection. Banks have differing policies regarding the fees for issuing past bank statements and costs of researching particular transactions. Prior to sending this letter, you may wish to call the bank to find out the amount of the charges, and whether a prepayment is required.

This document is used to loan or borrow money. It states the terms, rights and obligations that apply to a loan. It specifies the amount of the loan, the interest rate, the repayment terms and includes other specific provisions.

An Installment Promissory Note is a written document that specifies the terms, rights, and obligations that apply to a loan. The party making the loan is the Lender and the party borrowing the loan funds is the Borrower. The Note includes provisions regarding the amount of the loan, the interest rate, the date by which the loan must be repaid, and the amount of the payments. It may also include other general provisions that are important in enforcing the payment of the loan.

This Promissory Note is a document that specifies the terms, rights, and obligations that apply to a loan that must be repaid immediately by the Borrower at the request or demand of the Lender. The Promissory Note includes provisions regarding the amount of the loan, the interest rate, the date by which the loan must be repaid, and general provisions for enforcing the repayment of the loan.

The Due on Demand Promissory Note is a document that specifies the terms, rights, and obligations that apply to a loan. The party making the loan is the Lender and the party borrowing the loan funds is the Borrower. The Note includes provisions regarding the amount of the loan, the interest rate, the date by which the loan must be repaid, and general provisions for enforcing the repayment of the loan.
Due on Demand Promissory Note is payable on demand, meaning it must be paid immediately by the Borrower upon request by the Lender.

This statement can be used to organize information about your assets and liabilities, and also to present information about your income and expenses. This statement can be attached to an application for credit or loan. It may also provide a financial advisor or estate planner with a complete picture of your financial condition.

The Personal Financial Statement can be used to organize information about your assets and liabilities, and also to present information about your income and expenses. This statement can be useful if you are applying for credit and can either be used to present information to your lender or as an attachment to your credit application itself. Sometimes a financial statement is needed in working with a financial planner. You might also use it when preparing college financial aid documents for a child.

This statement can be used to organize information about assets and liabilities held by you and your spouse, and also to present information about your joint income and expenses. This statement can be attached to a credit or loan application. You can also use this form to provide a financial advisor or estate planner with a complete picture of your financial condition.

The Personal Financial Statement can be used to organize information about the assets and liabilities of you and your spouse, and also to present information about your income and expenses. This statement can be useful if you are applying for credit and can either be used to present information to your lender or as an attachment to your credit application itself. Sometimes a financial statement is needed in working with a financial planner. You might also use it when preparing college financial aid documents for a child.

This document is used to loan or borrow money. It states the terms, rights and obligations that apply to a loan. It specifies the amount of the loan, the interest rate, the repayment terms and includes other specific provisions.

A Loan Agreement is a written document that specifies the terms, rights, and obligations that apply to a loan. The party making the loan is the Lender and the party borrowing the loan funds is the Borrower. The loan includes provisions regarding the amount of the loan, the interest rate, the date by which the loan must be repaid, and the amount of the payments. It may also include other general provisions that are important in enforcing the payment of the loan.

Payback Options This form permits a wide variety of payback options, including the use of a balloon payment. In addition, the form provides an amortization table based on your selection of the payment frequency. You may also select a variety of optional paragraphs.

The first section of the Loan Agreement document is a financial worksheet. This worksheet can be used to enter the basic financial information and to choose whether the loan will be paid 
In installments of interest and principal interest and principal will be due in regular payments similar to monthly mortgage payments. 
In installments of interest only interest will be due in regular payments, but the principal will not be due until a future date that is specified in the loan. 
In full on a specific date no monthly payments; rather, all of the principal and interest will be due on a future date that is specified in the loan. 
On Demand in other words, payable immediately at the request of the Lender.If the Loan Agreement will be repaid in installments of interest and principal, a financial calculator automatically computes the payment amount, based on the entered variables such as interest rate, principal, and payment frequency. Further, the user can play what if by changing these variables to determine how such changes would affect the amount of the payment. For example, the monthly payment will automatically increase if the interest rate is increased. The information from the calculator is automatically transferred to the appropriate section of the loan.

The purpose of this letter is to notify various check verification companies about stolen checks or other fraudulent use of your checking account. Check verification companies are used by various banks and retailers to insure that the checks that their customers write are valid.

Therefore, once you notify the verification companies they will contact the companies that use their databases and inform them that there has been fraudulent use of your account. They will then determine if the identity thief has passed bad checks in your name and inform the companies that they are not to accept any checks from that account.

Note You should contact the verification companies immediately and use this letter as a followup. Read Important First Steps for a list of check verification company telephone numbers you can call first.

The purpose of this letter is to correct an unauthorized change to your mailing address. If you discover that your bank statement is being sent to another address that you have not authorized, you need to correct the problem immediately by contacting your bank. An unauthorized change to your mailing address may be indicative of identity theft and, as such, you should review your statement very carefully for unauthorized charges or transactions.

If you discover that your bank statement is being sent to another address that you have not authorized, you need to correct the problem immediately by contacting your bank. An unauthorized change to your mailing address may be indicative of identity theft and, as such, you should review your statement very carefully for unauthorized charges or transactions.

Note You should contact the bank immediately and use this letter as a followup. However, if you choose not to call first, this letter can be used as a first contact with the bank.

Please note, the bank may contact you to verify your identity and ask for further information regarding the unauthorized change of address.

This letter requests a copy of a corporate annual report.
Corporations usually are willing to send their corporate annual reports to anyone requesting a copy. Direct your letter to corporate headquarters, specifically, the corporate or public relations department. If you have a previous annual report, it will likely contain an address for requesting future reports. Other sources for corporate annual reports are your local library and your university's business library.

Sources for corporate addresses that are available from your local library include

Dun and Bradstreet Million Dollar Directory The Directory of Corporate Affiliations Standard and Poor's Register of Corporations, Directors and Executives Encyclopedia of Business Information SourcesOften corporations limit printing of their annual reports. If a corporation does not have enough annual reports printed, it may send you a photocopy of a report with information that you can use.
For more information about reading corporate reports, refer to the Encyclopedia of Business Information Sources available from your local library.

The purpose of this request is to advise the administrator of a 401k plan that an account balance should be rolled over to an IRA or another retirement plan.

The purpose of the 401k Rollover Request is to advise the administrator of a 401k plan that an account balance should be rolled over into an IRA or another retirement plan. Typically, this would occur when an employee leaves an employer because of either retirement or job termination.

Generally the plan administrator will provide several options, one of which will be the transfer of the current account as a direct rollover to an IRA or another retirement plan a Recipient Plan. The direct rollover option has the following advantages.

If your current account balance is paid directly to you, the distribution will be taxable to you, and you will likely have to pay income taxes. Further, if you receive the distribution prior to age 59 and 1/2 years, you will also have to pay an additional 10 percent tax, unless you qualify for a hardship exception. Thus, the direct rollover allows you to continue the deferral of income taxes on your account.It is possible to handle a rollover by taking a distribution of your account directly to yourself, and then rolling over all or a portion of it to an IRA or another retirement plan within 60 days after you receive the distribution. You defer income taxes on any amount that you roll over and pay income taxes on any amount that you retain. The risk of this approach is that you might fail to timely transfer the funds into an IRA or another retirement plan within the 60 days, with the result that you pay income taxes on the entire distribution. The direct rollover avoids this result by having the funds go directly from your current plan to the new account. If you want a partial distribution and are willing to pay the taxes, you can take a partial distribution from the new account.

The 401k Rollover Request form addresses only the safe option of requesting a direct rollover. Your plan administrator may advise you that you must make your request using the plan administrator's preprinted form. If you are locked into that approach and want to make a direct rollover request, carefully fill out your administrator's form, and in addition, complete this program's request form and give it to your administrator as a supplemental document.