You can get copies of your credit report from each bureau they all offer a 3 in 1 deal including your credit score (;;  You can also get your Free Report by going to

CLICK HERE ==>>How To Read Your Credit Reports Download

Use this to follow while watching the video.

CLICK HERE==>>Credit Repair Strategy and Goal Worksheet

About this Lesson

Understanding what is on your report and how to read it, is the foundation of credit repair.

If you don't know what to look for other than negative items your score will still be low and you'll never understand why.  Take the time to watch the video and get educated about how to read your credit reports.

If you don't understand this the rest of what I'm going to teach you won't matter and you'll never repair your credit and increase your credit score to a top level!

Add Your Questions Here


  • Anita Amos

    Reply Reply March 9, 2015

    Hello. Do you recommend in paying or settling the collection aacounts. Or should I just leave them alone. Do you think credit repai companies are a rip off? Im trying to work on my credit reports. I just don’t know where to begin. You any suggestions.


    • Steven

      Reply Reply March 22, 2015

      You should settle debt collections if they are validated. To answer your other question about credit repair companies… credit repair cannot be completed without having a debt settlement department. Most credit repair companies only try to repair the credit, but if a debt is validated a settlement is required and most credit repair companies are not experienced in doing debt settlements.

      You should begin with getting all 3 of your reports and dispute “validate” all the negative information that is on your reports. The items that are validated and you should read it to make sure it was really investigated by the bureau’s because sometimes they don’t really check. If you feel everything is correct about proving you still have to pay a debt then you should call up the collection agency and work out a settlement at a discounted amount.

    • Steven

      Reply Reply April 22, 2015

      You should pay off collections if they have been legally validated by the collector.

  • Anthony

    Reply Reply April 6, 2015

    Collection agencies, aren’t they considered 3rd parties? If I signed a contract with a specific company to pay them for whatever I purchased from them, then isn’t this strictly a contract between me and that specific company and not a 3rd party? What authority does the 3rd party company have in their attempt to collect from me when the initial contract was signed between myself and the initial company?

    • Steven

      Reply Reply April 6, 2015

      Debt collection company’s can be “Assigned” debt which allows them to represent the original creditor to collect a debt. They can “Assume or Purchase” the debt which allows them to legally collect on a debt if they can prove that the debt is legally collectible. They must provide all the information that the original credit had when the debt was started by the consumer. They get around this by people not being educated on how to “Validate” a debt. When a debt collector request payment in a letter they will specifically say that you have 30 days to ‘Dispute’ the debt they are saying you owe. If you don’t dispute it within the 30 days allowed you are actually saying that you are legally responsible for the debt. This is not the end of the line. You still have a right to validate the debt and during that process you can actually request all documentation including your signatures, etc. If they validate the debt your next step would be to negotiate a discounted settlement including a deletion of the negative mark on your credit report.

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