How to Repair Credit

When you click on the CREDIT REPAIR section in the road map the main tools to repair credit will be shown.

These are the areas you will use the most when repairing credit.

The first thing you should do is to go to the Knowledge Database by clicking the    button and read as much as possible, but at least, the REGULATIONS FOR CREDIT REPAIR ORGANIZATIONS in the legal category.

To show the ROAD MAP again just click the button

STEPS TO REPAIR CREDIT

1) Enter your basic customer information in the main screen
 

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2) Enter Social Security , Drivers License and Date of Birth in the User Defined Field accessible by clicking the     button.

Information entered in these and other fields will be used as merged fields in the Templates  Manager.

3) Click the  button  or the button (you will see the difference later).

The Template Manager interacts with four databases at the same time, the Credit Bureaus database, the Creditors database, the Contacts database and the Disputes database.

To select a template (letter) first select the category you want by clicking in the green field

The Category field will open and let you select a category.

The initial categories are: Collection Agencies Related, Creditors Relates, Disputing Credit Bureaus, Getting Credit Reports, Inquires Related, Legal and Miscellaneous.

You can add unlimited  categories and then add, duplicate and/or modify unlimited templates (letters) inside each category.

Once a category is selected, click on the letter that you want to use or see.

A template is comprised of text plus symbols that will be replaced (merged) with real data at the time of printing.

For example, let's use the PROGRESS STATUS FOR <<First-Name>> <<Last-Name>>  template located in the Miscellaneous Category.

The first thing that we see is the subject or name of the template PROGRESS STATUS FOR <<First-Name>> <<Last-Name>>  this is the title (subject or name) that you see in the template list.

This particular template has to MERGE SYMBOLS in the title <<First-Name>> and  <<Last-Name>> . These symbols were entered by clicking on the buttons .

Now, please notice the text in red. [[TEXT WILL CLEAR AUTOMATICALLY WHEN INSIDE DOUBLE BRACKETS]] . This text will NOT show when previewing, emailing or printing.

To achieve this, the text has to be enclosed in DOUBLE BRACKETS . This "trick" is very useful in templates that contain several paragraphs but only some of them are used for a specific situation. In this case you can hide or show at will those paragraphs just by adding or deleting the double brackets.

To ease this task you can click on the buttons located in the right margin of the template.

This particular template is used to report the case status to your clients with one click.

Please notice the <<PROGRESS>> symbol which was entered by click on the button

This particular symbol will be replace with any information entered in the PROGRESS area in the main screen

For example, it is very easy to click a button to select all your active clients.

and then email  this "PROGRESS STATUS" template to ALL your active clients with one click

This feature will save literally tens of hours a month simply by telling your clients that you will send them a Progress Report every so often instead of letting them to call you at will to know the status of their cases.

You should read all templates and get acquaintance with their content. This way you can handle all you clients from the Disputes Center  without having to go to the Templates Manager.

4) Enter the Dispute Center by clicking on the button or the button from the Main Screen.

You can highlight and paste dispute information from Credit Reports or type the information manually.

If you can get a Credit Report in text form (PDF files can be exported to text form for example) you can use the highlight and paste system.

The simplest way is to place the Credit Report in your Windows clipboard (usually by pressing CONTROL+A to select ALL text and then, CONTROL+C to copy the selected text to the clipboard then select the credit report you want to paste to either  and click the PASTE button to paste the report in the corresponding field.

This is a virtual window which means that only contains a few lines from the Credit Report.

To move up or down click the scrolling bar  at the right  of the field.

Also you can click the magnifier icon to display the whole Credit Report and position yourself in the area you want to use. When you close the zoom view, the correct area will be selected.

This is done this way so the view for the Credit Report is persistent even when you change Credit Bureaus or even if you change clients.

To add a dispute click the  button or the button at the top of the screen.

To enter a dispute description click on the button in the Description field.

and select the description you want or you can type it or you can highlight and paste it from the Credit Report. (more on this later)

Then, select verify that the Credit Bureau selected is correct for the dispute (it should be correct automatically)

To enter the Account ID (number) it is easier,  faster and more accurate to use the highlight and paste system.

First, highlight the account number you want to paste (possibly by double clicking on it)

Then, click on the button.

The text highlighted will be pasted in the current dispute account field.

Now,highlight the amount of this dispute (if any)

and click the button. The amount will be pasted in the current dispute amount field..

Now, select the creditor as appropriate by clicking the  button.

To enter new Creditors go to the Virtual Persona section located in the setup area.  There is a button in the top right of the Main Screen to go to the  setup area, then select the VIRTUAL PERSONA tab.

An important feature is to check those creditors that you  need to interact with for this client

and then click the button at the top of the checkmark column to select only those.

To insert a Creditor in the dispute creditor field just click on it.

Then, click the arrow to open the templates pull-down menu

Select the template to use. In case that you want to preview the template please click on the magnifier button.

Us the Notes field to enter you own notes (possibly the strategy that you would use with this dispute)

If you click on the current date and time will be pasted automatically in the Notes field.

You will keep adding all disputes as appropriate in this example I just duplicate the first dispute several times.

Now is time to enter your schedule strategy (very important)

Since  you should not send your clients's disputes .all at the same time, the Dispute Center provides a very easy way to schedule your disputes .

To this purpose three columns are used: the ORDER column, the DAYS (in between) column and the RECALCULATE column.

First enter the order that you want to print your disputes (do not worry about timing yet), possibly selecting the easy ones first to produce faster results for your clients.

You DON'T need to order then in its present order you can use any order and click on the button at the top of the column to sort it by order (either ascending or descending)

Now, after sorting by order and taking in consideration that the column means days in between disputes select your schedule strategy by selecting the days in between strategies.

For example this sequence (0 -4 -0 -2 ) represents TODAY, four days after today, then four days after today again and two days after the four days or six days from today.

Please notice the importance of knowing that the days numbers you enter are always days in between from previous dispute.

The first dispute (based on order) will be calculated based on today's date therefore a zero represents today for the first dispute but will represent the same date as the previous dispute for any other dispute.

Finally, click and the Dates will be populated as appropriate.

Only disputes with status will be taken in consideration.

Disputes IN PROGRESS or CLOSED don't change there dates (you can do it manually as necessary)

Also, only the current client is taking in consideration when recalculating dates.

Remember that you can have hundreds of clients and their disputes interacting the Dispute Center but you will be able to control all of them with ease as I will show you later.

Use the navigation bar at the top or bottom of the screen to more from dispute to dispute. In this way the current dispute can be identified by a green

background in the right side of the screen

When you have many clients' disputes displayed you can "jump" to the next/previous client by clicking the buttons.

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You can sort by many of the fields by clicking their tiles.

Days (in between ) cannot be sorted for obvious reasons.

5) Everyday you will click on the button so select all disputes due to print.

In this example only one would be selected but it could be dozens or hundreds.

Remember that you can have many clients at the same time and that you will select ALL disputes that should be printed from ALL clients at the same time this way you will spent only minutes to print dozens of letters.

To print a dispute click on the button.

You will be presented with two very important choices. (majority of times you will click enter to select the default option)

The first choice is weather or not you what to send the dispute to the Follow-Up System, usually you want this.

Then, the status of the Dispute will change to IN PROGRESS automatically and you can select if you want to log that you are printing this dispute in the client's PROGRESS field which will be used to report your client's progress status when you decide to do so.

The rest of options are printing options and usually you will keep pressing enter.

Then click the envelope button to print the envelope.

It is better to send the dispute by Certified Mail or Priority Mail the reason being is than you can track the delivery of the letter to the Creditor or Credit Bureau on the Internet from Follow-Up system and other places.

You should not pay for deliveries but your clients.

Use the FIND buttons at the top of the screen to select different views of your disputes.

Please notice the difference between FIND CURRENT and FIND ALL.

FIND CURRENT will find ALL disputes for current client (the client whose dispute on are on at this moment) while FIND ALL will find ALL your clients' disputes.

Of course, if you had hundreds of clients (many of them already inactive) and thousands of disputes then displaying of ALL clients could present a problem.

To avoid this potential problem there is a HIDE checkmark that will HIDE  not delete clients from disputes list when doing an ALL FIND.

Reasons to HIDE a client could be: work is finish so client is inactive, client stop paying (in case on instalment payments) so you will hide their disputes until they become active again

To reactivate a client, simply select the client in the MAIN SCREEN (contact scree) and click the . Then, all disputes from this client will be selected. Simple UN-CHECK the client to activate his/her disputes again.

Use to filter the disputes by the content of the field at left. Therefore, if you click the black arrow to the right of the Credit Bureau field while Experian is selected ALL disputes from CURRENT client for EXPERIAN will be selected.

Use the button to load a text credit report file from your hard drive instead of pasting it.

Use the ACTION BUTTON    as explained elsewhere in the manual.

Click to go back to the Main Screen.

FOLLOW-UP SYSTEM

Click on the button to access the Follow-Up System.

You use the Follow-Up system to track the letters you sent to Creditors and Credit Bureaus, etc.

In this example, only one item is displayed.

Item are color coded being YELLOW for OPEN items that are not due RED for DUE items and GREEN for CLOSED items.

Everyday you would click on the button to reset the dates in the search fields then click the button to select due items for ALL clients which they will show in red.

Also, enter your Certified Mail tracking number in the tracking field  and click the red action button to track its delivery on the internet.

When you receive response from a Creditor / Credit Bureau simply change the status of the item  to CLOSE  and it will become GREEN and it won't be selected in your next search.

In the center section you can query the Follow-Up database by changing the search fields and clicking the search button.

The rest of the options are self-explanatory or are explained elsewhere in the manual.

Based on the response from your Creditors / Credit Bureaus you will keep sending letter as appropriate until you the item is deleted or you realize that the information was accurately verified. Sometimes it takes more that one letter to achieve the desired results.