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Credit Report 101: A Beginner's Guide to Reading & Disputing!

By: Daniel Rosen Last updated: April 24, 2024

Are credit reports giving you a headache? Well, on this week's Podcast, I'm gonna break down how to read, understand and master them with confidence!

In the 20 years since releasing my first credit repair software, I've helped thousands of businesses build from the ground up. During that time, I experienced the very same challenges that Credit Heroes face, and I've learned proven ways to overcome them and succeed.

Like most of our Credit Heroes, the first problem I faced was the most difficult because my whole financial future was at stake.

A bank error didn't just hurt my credit score. It destroyed my life. I learned the hard way that if you don't monitor your credit and review your credit reports regularly, you can miss errors and other suspicious activity.

Back then, there wasn't a community of Credit Heroes to answer my questions or credit repair software to speed up the process. So I had to fix the problem myself.

I learned what many of you know, that the credit system is corrupt, the dispute process is slow, and credit reports are designed to confuse you. 

Eventually, I was able to fix my credit issues and rebuild my life. But I learned a huge lesson. It doesn't matter who you are or your relationship to credit. Learning how to read and understand credit reports is a skill that can change your life.

HOW THIS RELATES TO US

For those of you new to credit repair, Credit scores get all the attention, but credit reports do all the work. They contain everything from your personal information and account history to collections and public records. 

In other words, credit reports tell your financial story. Unfortunately, they don't always tell the truth. A staggering 79% of credit reports have errors, and those errors can destroy your life, just like they did to me. 

So, who's behind these reports? They're built and maintained by reporting agencies like Equifax, Experian, and TransUnion, the three main credit bureaus. But don't let their official-sounding title of "bureau" fool you. These are not government organizations. They're for-profit companies. 

So, if you want to be able to fight back against this system, dispute those errors and win, your credit reports hold the keys.

THE THING TO REMEMBER

The CFPB recommends you check your credit reports at least once a year, but credit profiles are updated at least once a month, so if you're serious about repairing your credit, or running a credit repair business, checking reports regularly is essential for success.
 
You can request copies of your credit reports as often as you want without hurting your credit because when you pull your own report, it's considered a "soft inquiry." 

If you don't already have copies of your credit reports or know how to request copies of your reports, you're entitled to one FREE report from each of the three major credit Bureaus every 12 months.

In fact, due to all the financial hardship resulting from the pandemic, you can actually get a free credit report each week through the rest of 2023.

All you have to do is go to AnnualCreditReport.com, fill out the short request form, choose which report you want to start with, then repeat the process for all three Bureaus.  

The only catch is these free credit reports do not include credit scores.

Federal law gives you the right to a copy of your credit report, but credit scores are calculated by the Bureaus when they plug your information into their formulas. It's why you have three unique credit scores. 

So, if you want your Credit Reports and Credit Scores from all three bureaus, you can instantly get all of that for $1 when you sign up for a 7-day trial of Credit Hero Score at CreditHeroScore.com.

WHY THIS IS IMPORTANT

If you want to learn how to read credit reports like the back of your hand and dispute errors faster, then open up or print out a copy of your report right now because I'm going to walk you through a full three Bureau report!

Trust me on this: the fastest way to learn something is through experience, especially when the results impact you directly. 

Sure, software tools are making it faster and easier to read credit reports, but if you don't understand the fundamentals of a credit report, you won't really know what you're doing. Any progress you make might just be temporary.

This is doubly true if you're running a credit repair business. Whether a report lands in your inbox or gets handed to you in person, you need to be able to read it on the fly, understand it, and provide actionable feedback. If you can't, then you aren't taking your craft seriously enough. 

The good news is by the time we're done; you'll have a better understanding of how to read credit reports. And it's much easier than you think!

If you need a second to pull up your credit report, hit pause, take a breath, and get ready to take notes!

WHAT YOU NEED TO KNOW

Credit reports can look different depending on the company producing them, so I will cover all the standard sections, line items, and moving parts. That way, you can read any report with complete confidence, no matter its source.

Now, there are two primary types of reports: single-bureau and 3-bureau. If your report is divided into three sections, with the scores on top and each of the three bureaus listed side-by-side, that's a three-bureau report. 

That's the kind we have at Credit Hero Score. 

Three bureau reports are the easiest to read, and they're the best for credit repair businesses. Their layout lets you quickly compare information and spot discrepancies, giving them an edge over single-bureau reports. 

But don't worry, if you're only working with a single-bureau report, everything I say still applies. It may just take you longer to cross-check all the details. 

Now, if your report uses slightly different wording or it's arranged in a slightly different way, that's fine. All reports have the same basic structure: Credit Score, Personal Information, Risk Factors, Account Summary, Account History, Inquiries, Collections, Public Records, Creditor Contacts, and Consumer Statements. 

A quick reminder, if you're reading a free credit report, it won't have a Credit Score section, but most new reports will. 

Alright, let's dive in!

SECTION #1: Credit Scores

The credit score section is pretty self-explanatory. Each bureau score is listed along with the range it falls under, like "POOR," "FAIR," or "GOOD."

Some reports, like the ones from Credit Hero Score, include score updates, points gained or lost, and graphs that track change over time.

The only error you might find in this section is if one of the scores is missing. This usually means you don't have enough qualifying credit to generate a score, and you can fix that by contacting the bureau or building more credit.

SECTION #2: Personal Information

In the personal information section, you'll find names, alias, date of birth, social security numbers, addresses, and employment information. 

The first step of ANY credit dispute process is to go after low-hanging fruit, and the personal information section is notorious for errors. Those errors are often tied to negative information on your credit report. You may see a lot of crazy stuff in here. Because every time you apply for credit, the person typing all your information, whatever they type, goes directly into here, and they make a lot of mistakes. 

So if you find any misspelled names, incorrect dates, birthdays, social security numbers, or addresses, you should dispute them. 

Also, if you see names or addresses that you don't recognize, that can be a sign of identity theft, so dispute them immediately. 

SECTION #3: Risk Factors

Now, depending on the source of the report, the next section is a breakdown of risk factors and red flags found in your report. 

Not all reports include this section, but if you ever get turned down for credit, the risk factor section usually holds some clues as to why. 

The risk factors are usually listed in order of importance. They can be extremely serious and detrimental to your credit, like "Too Many Unpaid Accounts in Collections," or they can be simple things that are easy to fix, like "Lack of Credit History.

SECTION #4: Account Summary

The account summary section is a snapshot of everything inside the report. It includes the total number of open and closed accounts, delinquent accounts, collections, and derogatory items. It also lists the combined balance, monthly payments, public records, and inquiries. 

This section serves as a quick reference point, making it easier to cross-check and confirm that all three bureaus report the same information. If they're not, that's when you know you need to dive into the more detailed sections below. 

SECTION #5: Account History

The account history usually comes next, and it's by far the largest portion of your credit report. This section details everything about your lines of credit, both open and closed accounts.

With each account, you'll see the following:
The Type of Account (whether it's a Credit Card, Student Loan, etc.)
The Account Name and Number
The Account Standing
The Account Balance and Credit Limit
The Account Status (whether it's opened or closed)
The Date the Account was opened
The Date of Last Activity
Who's Responsible for the Account (whether it's an individual or joint)
Any Remarks, Statements, or Comments attached to the Account
The Number of Late Payments (if any)
The High Balance (the total amount borrowed)
The Monthly Payment Amount
The Current Payment Status
The Amount Past Due
The Name and Address of the Creditor on the Account
And a Calendar of the Account Payment History, a month-by-month, year-by-year list showing whether the account was Paid On time, Past Due, In Collections, Charged-off, in Bankruptcy, etc. 

I know that was a lot to take in, but each line of these accounts needs to be verified as accurate. If you find a discrepancy at any point, you should investigate it further.

For example, if Experian tags a credit card account as CLOSED while Equifax says it's OPEN, something's off. One of them is providing incorrect information, and it can be disputed. 

Similarly, if the DATE OPENED or the DATE OF LAST PAYMENT doesn't match between each bureau. One of them is providing incorrect information, and it can be disputed.

However, you can't just point out that the bureaus are providing inconsistent information and hope that will be enough to win a dispute. You have to emphasize that the specific item they are showing is incorrect. 

The account history section is massive, so be on the lookout for duplicate accounts and especially Accounts you don't remember opening. 

Make sure no duplicates exist, but if they do, review the impact they're having on your report and dispute them if necessary.

If you notice any accounts you don't remember opening, contact the creditor immediately for more information. It could be a sign of identity theft. 

There's a lot more to say about this section and a ton of dispute strategies that go along with it. But for now, you've got a solid foundation to start with.

SECTION #6: Inquiries

Every time you apply for credit and some company is pulling your credit, that is called an inquiry. The inquiries section is a record of every time your credit report has been requested and accessed. It includes details like the creditor's name, the type of business, the Date of the inquiry, and which bureau it came from.

Here you want to look for unauthorized inquiries that you don't recognize, soft inquiries that are incorrectly reported as hard inquiries, or duplicate inquiries. These all represent incorrect information, and it can be disputed.

SECTION #7: Collections

The collection accounts section lists any debts that have gone unpaid and been sent to collections. 

In it, you'll find the name of the creditor who is collecting the debt, the amount of the debt, the date the debt was first reported to collections, the date the debt was last updated, the status of the debt (whether it's open, closed, settled) and any remarks related to the collection.

Similar to the Account History section, each line of these collections needs to be verified as accurate. If there's a discrepancy at any point, you should investigate it further.

SECTION #8: Public Records

Due to recent changes in the laws, the only public records that are allowed to appear on a credit report are bankruptcy documents.

If you notice any public records besides bankruptcy documents, like tax liens, contact the bureaus immediately and dispute that. 

When it comes to bankruptcies themselves, review the details for discrepancies, but also pay attention to the filing dates. 

If there's a Chapter 13 bankruptcy that's over 7 years from the filing date or a Chapter 7 bankruptcy that's over 10 years from the filing date, they should've fallen off the report by now, and you can dispute that and get it removed. 
 
SECTION #9: Creditor Contacts

The creditor contacts (or the Furnisher Contacts) section is also pretty straightforward. It lists the contact information of any creditor that provided information about you to the bureaus.

There's not much to dispute in this section, but if you see a creditor you don't remember doing business with, investigate the issue. 

SECTION #10: Consumer Statements

Not all reports have the consumer statements section, but for those that do, it contains any statements you've given to the bureaus to clarify something about your credit.

For example, if you dispute an item but it's not resolved or removed from your report, you might file a brief statement explaining why you disagree with the piece of information in the report.

However, it's important to know that adding comments here can often backfire. Rather than helping, they can draw even more attention to a negative item you're trying to remove. So I recommend not having any consumer statements because they do not help you. And if you have any, ask the bureau to remove them. 

The better you get at reading and understanding credit reports, the less you'll have to worry about making comments about unresolved disputes. 

If you have any credit report questions, you can drop them in the comments.

And if you want 6 months of Credit Repair Cloud software for FREE, plus access to our advanced disputing and business courses, sign up for our Masterclass!

MY FINAL POINT

Your credit report tells your financial story. Take control of it. Learn how to read it. The better you understand it, the healthier you'll be. You're not just learning how to improve your credit. You're developing a lifelong skill – one you can use to build a business and change lives. 


I'LL END BY SAYING

If you still need a Credit Repair Cloud account, check it out. It's the software that most Credit Repair businesses in America run on. Sign up here for a Free Trial!

And if you'd like to change lives and grow your Credit Repair business, check out our Credit Hero Challenge!

Credit Hero Challenge 2023 (1)

It's an amazing program, and we've got another challenge starting in a few days, so grab your spot right now at CreditHeroChallenge.com!

So take care, Credit Hero!

And Keep Changing Lives!

Be sure to subscribe on your favorite platform below!

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Topics: Podcast

Transcript

Daniel Rosen  0:00  

Hey, Credit Heroes, our credit reports are giving you a headache. Well, today, I'm going to break down how to read, understand and master them with confidence. So you better stick around. So the big question is this, how can we take our passion for helping people with their credit and turn it into a successful business without taking loans without spending a fortune by bootstrapping it from nothing? So we can help the most people and still become highly profitable? That is the question, and this podcast will give you the answer. My name is Daniel Rosen, and welcome to credit repair business secrets.


If this is your first time listening to my podcast, every week, I give credit repair tips and advice on bootstrapping your business from nothing. So be sure to click subscribe now and get ready to start changing lives. Okay, let's get into this. In the 20 years since releasing my first credit repair software, I have helped 1000s of businesses to build from the ground up. And during that time, I've experienced the very same challenges that Credit Heroes face, and I've learned proven ways to overcome them and succeed. Like most of our Credit Heroes, the first problem that I faced was the most difficult because my whole financial future was at stake. A bank error didn't just hurt my credit score. It destroyed my life, I learned the hard way that if you don't monitor your credit and review your credit reports regularly, you can miss errors and other suspicious activity. 


Now back then, there wasn't a community of Credit Heroes to answer my questions or credit repair software to speed up the process. So I had to fix the problem myself. And I learned what many of you already know; the credit system is corrupt. The dispute process is slow, and credit reports are designed to confuse you. Eventually, I was able to fix the issues on my credit report and rebuild my life. But I learned a huge lesson. It doesn't matter who you are in your relationship to credit. Learning how to read and understand credit reports is a skill that can change your life. Here's how this relates to us. For those of you who are new to credit repair, credit scores get all the attention, but credit reports do all the work. They contain everything from your personal information and account history to collections and public records. In other words, credit reports tell your financial story. Unfortunately, they don't always tell the truth. And an unbelievable 79% of credit reports have errors. And those errors can totally destroy your life like they did to me. 


So who's behind these credit reports? Well, they are built and maintained by reporting agencies like Equifax, Experian, and Transunion, who are the three main credit bureaus but don't let their official-sounding title of Bureau fool you. These are not government organizations. No, they are for-profit companies. So if you want to be able to fight back against this system and dispute these errors, and when your credit report holds the keys, here's the thing to remember, the CFPB recommends that you check your credit reports at least once a year, but credit profiles are updated at least once a month. So if you're serious about repairing your credit or running a credit repair business, checking reports regularly is essential for your success. You can request copies of your credit reports as often as you want without hurting your credit because when you pull your own report, it's considered a soft inquiry. 



If you don't already have copies of your credit reports or know how to request copies of your reports. You're entitled to one free report from each of the three main credit bureaus every 12 months. In fact, due to all the financial hardship resulting from the pandemic, you're going to actually get a free credit report each week through the rest of 2023. All you have to do is go to annualcreditreport.com. Fill in the short request form, choose which report you want to start with, and then repeat the process for all three bureaus. The only catch is these free credit reports do not include credit scores. Federal law gives you the right to a copy of your credit report, but credit scores are calculated by the Bureau when they plug your information into their formulas. It's why you have three unique credit scores. So if you want your credit reports with credit scores from all three bureaus, you can instantly get all of that for $1 When you sign up for a seven-day trial of Credit Hero Score at creditheroscore.com. 


Here's why this is important. If you want to learn how to read credit reports like the back of your hand and dispute errors faster, then open up or print out a copy of your credit report right now because I'm going to walk you through a full three Bureau report. Trust me on this. The fastest way to learn something is through experience, especially when the results impact you directly. Sure, software tools are making it faster and easier to read credit reports. But if you don't understand the fundamentals of a credit report, you won't really know what you're doing. Any progress you make might just be temporary. This is doubly true. If you're running a credit repair business, whether a report lands in your inbox or gets handed to you in person, you need to be able to read it on the fly. You need to be able to understand it and provide actionable feedback. If you can't, then you aren't taking your craft seriously enough. 


The good news is by the time we're done. You're gonna have a better understanding of how to read credit reports. And it's much easier than you think if you need a second to pull up your credit report, hit pause, take a breath and get ready to take notes. Here's what you need to know credit reports can look different depending on the company that's producing them. So I'm going to cover all the standard sections, the line items, and the moving parts. And that way, you can read any report with complete confidence, no matter what its source is. Now there are two primary types of reports, a single Bureau and three Bureaus. If your report is divided into three sections with the scores on the top and each of the three bureaus listed side by side, that is a three Bureau report. 


And that's the kind we have at Credit Hero Score. Three Bureau reports are the easiest to read. And they're the best for credit repair businesses. Their layout lets you quickly compare information and spot discrepancies giving them an edge over the single Bureau reports. But don't worry, if you're only working with a single Bureau report, everything I say still applies. It just might take longer for you to cross-check all the details. Now if your report uses slightly different wording or if it's arranged in a slightly different way, that's fine. All reports have the very same basic structure, credit score, personal information, risk factors, Account Summary, account history, inquiries, collections, public records, creditor contacts, and consumer statements. Now quick reminder, if you are reading a free credit report, it won't have the credit scores, but most of the new reports will.


Alright let's dive into section one. credit score's credit score section is pretty self-explanatory. Each Bureau score is listed along with the range that it falls under, like poor, fair, or good. Some reports, like the ones from Credit Hero Score, include score updates, points gained or lost, and graphs of the track change over time. The only error you might find in this section is if one of the scores is missing, and this usually means that you don't have enough qualifying information to generate a score. And you can fix that by contacting the credit bureau or building more credit sections to personal information. In the personal information section, you'll find names, aliases, dates of birth, social security numbers, addresses, and employment information. The first step of any credit dispute process is to go after the low-hanging fruit. And the personal information section is notorious for errors. those errors are often tied to negative information on your credit report. Now, you might see a lot of crazy stuff in this section because every time you apply for credit, the person who's typing in all your information, whatever they're typing, goes directly into here and then make a lot of mistakes. 


So if you find any misspelled names, incorrect dates, birthdays, social security numbers, or addresses that you don't recognize, you should dispute them. Also, if you see names or addresses that you don't recognize, that can be a sign of identity theft. So dispute them immediately. Section three, risk factors, now depend on the source of the report. The next section is a breakdown of risk factors and red flags found in your report. Not all reports include this section, but if you ever get turned down for credit, the risk factors section usually holds some clues as to why the risk factors are usually listed in order of importance that can be extremely serious and detrimental to your credit, like too many unpaid accounts and collections. 


Or they can be simple things that are easy to fix, like the lack of a credit history section for account summary. The Account Summary section is A snapshot of everything inside your report. It includes the total number of open and closed accounts, delinquent accounts, collections, and derogatory items. It also lists the combined balance of monthly payments, public records, and inquiries. This section serves as a quick reference point, making it easier to cross-check and confirm that all three bureaus are reporting the same information. 


If they're not, that's when you know you need to dive into more detailed sections below section five, account history; the account history usually comes next, and it's by far the largest portion of your credit report. This section details everything about your lines of credit, both open and closed accounts. With each account, you'll see the following that type of account whether it's a credit card, student, or loan, etcetera, the account name and number, the account standing, the account balance and credit limit, the account status, whether it's open or closed, the date the account has opened the date of last activity who's responsible for the account whether it's an individual or joint, any remarks statements or comments attached to the account, the number of late payments, if any, the high balance, which is the total amount borrowed, the monthly payment amount, the current payments status, the amount past due the name and address of the creditor on the account and a calendar of the account payment history a month to month and year by year list showing whether the account was paid on time past due in collections charged off in bankruptcy, et cetera, who now I know that was a lot to take in. But each line of these accounts needs to be verified as accurate. If you find a discrepancy at any point, you should investigate it further. 


For example, if Experienced marks a credit card account is closed while Experience says it's open, then you know something is off. One of them is providing incorrect information, and it must be disputed. Similarly, if the date open or the date of last payment doesn't match between each bureau, then one of them is providing incorrect information. And that can be disputed too. However, you can't just point out that the Bureau's providing inconsistent information and hope that that will be enough to win a dispute. No, you have to emphasize that the specific item they are showing is incorrect. The account history section is massive. So be on the lookout for duplicate accounts, especially accounts that you don't remember opening. 


Make sure that no duplicates exist, but if they do, review the impact that they're having on your report and dispute them if necessary. If you notice any accounts that you don't remember opening, then contact the creditor immediately for more information. It could be a sign of identity theft. There's a lot more to say about this section and a tonne of dispute strategies that go along with it. But for now, you've got a solid foundation to start with Section Six inquiries. Every time you apply for credit and some company is pulling your credit. That is called an inquiry. The inquiry section is a record of every time your credit report has been requested and accessed. It includes details like the creditor's name, the type of business, the date of the inquiry, and which Bureau it came from here; you want to look for unauthorized inquiries that you don't recognise as soft inquiries that are incorrectly reported as hard inquiries or duplicate inquiries. These all represent incorrect information, and they can be disputed in section seven collections. 


The collection accounts section lists any debts that have gone unpaid and have been sent to collections. In this section, you'll find the name of the creditor who is collecting the debt, the amount of the debt, the date the debt was first reported to collections, the date the debt was last updated, the status of the debt, whether it's open, closed or settled, and any remarks related to the collection. Similar to the account history section. Each line of these collections needs to be verified as accurate. If there's a discrepancy at any point, you should investigate it further. Section Eight public records due to recent changes in the laws. This is good news. The only public records that are now allowed to appear on a credit report are bankruptcy documents. If you notice any public records besides bankruptcy documents like tax liens, contact the Bureau immediately and dispute that. 


When it comes to the bankruptcies themselves, review the details for discrepancies but also pay attention to the filing dates if there's a Chapter 13 Bankruptcy that's over seven years from the filing date or a Chapter seven bankruptcy that's over 10 years from the filing date. They should have fallen off the report by now. And you can dispute that and get it removed. Section Nine creditor contacts. The creditor contacts or the furniture contacts section is also pretty straightforward. It lists the contact information of any creditor that provided information about you to the Bureau. There's not much to dispute in this section. But if you see a creditor that you don't remember doing business with, investigate the issue, section 10. Consumer statements, not all credit reports have a consumer statements section. But for those that do, it contains any statements that you give to the credit bureaus to clarify something about your credit. 


For example, if you dispute an item, but it's not resolved or removed from your credit report, you might file a brief statement explaining why you disagree with this piece of information on your credit report. However, it's important to know that adding comments or statements can often backfire. Rather than helping, they can actually draw more attention to a negative item that you're trying to remove. So I recommend not having any consumer statements at all because they do not help you. And if you have any, ask the bureau to remove them. 


The better you get at reading and understanding credit reports, the less you'll have to worry about making comments about unresolved disputes. And if you have any credit report questions, drop them down in the comments. Now if you noticed a few strange-looking letters or numbers listed throughout your report, those are Bureau codes, and they're just used to categorize information Experian, Equifax, and TransUnion. They each have unique Bureau codes, and I can do a deeper dive into those in a later episode. In the meantime, if you want to review the codes, I'm going to add the official guides over there in the show notes. And if you want six months of Credit Repair Cloud software for free, plus access to our advanced disputing and business courses, go to creditrepaircloud.com/freetraining and sign up for our masterclass. 


Here's my final point. Your credit report tells your financial story. Take control of it, and learn how to read it, because the better you understand it, the healthier you'll be. You're not just learning how to improve your credit. You are developing a lifelong skill, one that you can use to build a business and change a lot of lives. And just a reminder, this podcast is brought to you by Credit Hero Score. Credit Hero Score is the only credit monitoring service that integrates directly with Credit Repair Cloud. Get instant access to your credit reports and scores by signing up for a seven-day trial for only $1. Sign up right now at creditheroscore.com.


And now, for my favorite part of the episode. Every week I feature one of our Credit Heroes inside our Credit Repair Cloud Facebook community so that you can see firsthand what real people are doing as they run and grow their businesses. And today's spotlight is on one Marrero, who posted a letter from LexisNexis in the community and a short message explaining what he just accomplished. His message said after eight months of disputing the bankruptcy from LexisNexis, they finally deleted it. I was about to give up. Well, you didn't give up once you fought and fought and did what you set out to do. You are amazing, and I can't wait to hear more of your wins. 


And I'll end by saying if you don't already have a Credit Repair Cloud account. Check it out. It's software that most credit repair businesses in America run on. Just sign up for a 30-day free trial at creditrepaircloud.com/freetrial. And if you'd like to change lives and grow your very own credit repair business, check out our Credit Hero Challenge. It's a live experience that has helped tonnes of Credit Heroes to get certified in disputing and gain confidence as they run their credit repair business on a solid foundation so they can change a whole lot of lives and make a great living in the process. We're starting the next challenge very soon. So you want to join before the doors close. Are you gonna have a long wait until the next one? So sign up right now at creditherochallenge.com if you're finding value in the things that I share on this podcast, click below to subscribe and follow. Also, give me a five-star review or share the show and help me to change more lives. If you'd like to read the show notes. They're posted on my blog. If you have a question or a comment, drop it down below because I read each and every one of them. I would love to hear from you, and I'll respond as soon as I can. If you want to win more credit disputes, check out my episode on the five mistakes to avoid. So take care, credit hero, and keep changing lives. And I'll end by saying if you want to win more credit disputes, check out my episode on the five mistakes to avoid. And if you'd like to get certified in disputing and gain confidence and grow your very own credit repair business, check out our Credit Hero Challenge. Doors are closing soon. So sign up right now at creditherochallenge.com And keep changing lives. 


Hey, everybody, it's Daniel again. And really quick, I'd like to invite you to join what I believe is the best thing we have ever created inside the Credit Repair Cloud community. And it is a challenge that we call the Credit Hero Challenge. If you're just planning out your business, or you're just getting started, and you dream of having a successful business of your own. So you can quit your nine-to-five and fire your boss and have financial freedom, or so you can add another revenue stream to your existing business. If that's your dream, you need to get into this challenge. We created this challenge to help you to create and launch your very own credit repair business to build a proper foundation for a really successful business. This challenge is going to help you to understand the strategy, the tactics, and all the things you need to be successful at credit repair. It really is the greatest thing we have ever built, and it will change your life. So I recommend you do it right now. Stop everything, pause this audio go online, and go to creditherochallenge.com That's creditherochallenge.com and join the next challenge. And there's a challenge that starts in just a few days. So go get started right now at creditherochallenge.com

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