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README.TXT
README FILE FOR
THE INSIDE SECRETS OF CREDIT REPAIR
INTRODUCTION
Thank you for trying The Inside Secrets of Credit Repair. The
program is designed to provide you with the knowledge and tools
to perform credit repair using the rights granted to all
consumers by Congress in the Fair Credit Reporting Act.
If you are not familiar with the process of credit repair,
perhaps a brief explanation will help.
INTRODUCTION TO CREDIT REPAIR
Companies whom you have (or had) accounts where payments are
being made to pay for merchandise or services (installments
loans, revolving charge accounts, etc.) can report to one or more
credit bureaus the history or current status of your account.
These reports may be positive (account in good standing, paid off
as agreed, etc.) or they may be negative (payment past due,
account charged off, etc.). While no harm is done to you by
positive reports, negative reports are potentially damaging. In
most cases these negative reports are accurate, i.e., they
reflect actual past due payments or other problems with the
account. Therefore, being accurate, you cannot have them removed
from your credit report simply by asking.
However, you have the right to question the validity or accuracy
of any entry. The Fair Credit Reporting Act specified the rights
of an individual in making sure that the credit bureaus report
factual and verifiable credit related information about them. The
Fair Credit Reporting Act, therefore, gave individuals a great
deal of power to insure that what is being reported about them is
accurate.
The ability to question entries in your credit report is the
foundation of credit repair. If, upon questioning the entry
(called disputing the entry) the credit bureau finds that the
information is not accurate, it must be changed promptly. This
will often lead to changing a negative entry to a positive entry.
And, as most people have learned, negative entries often lead to
credit denial because the creditor to whom you are applying may
assume that your poor credit history indicates that you will not
pay your debt with them as agreed. Whether this is fair or not is
not really the issue. Unfortunately, creditors don't have too
many other alternatives to determine if you will pay your debt
before they loan you the money or sell you their merchandise on
credit.
If the credit bureau can't get verification of the entry within
45 days of your dispute, the entry in question must be deleted
from your credit report, accurate or not. Not being able to get
verification is frequently the case. Companies go out of business
or can't produce the records on you (or can't be bothered). Thus,
credit repair is partly a process of seeking verification of
information reported about you. If the originator of negative
information can't back up their claim upon your request to do so,
such claim should be removed and no mention made of it again.
Your right to dispute entries in your credit report gives you the
ability to monitor, and possible change, what is being reported
about you concerning your credit history. As long as you are not
frivolous (discussed in the program) the results of properly
using your right to dispute credit report entries can be
rewarding.
Of course, there is much more to be learned about credit repair
using the Inside Secrets of Credit Repair. This has only been a
short introduction. Not only will you learn about credit repair
with the program, but you will find many valuable tools for
credit repair.
PROGRAM FEATURES
An example of the credit repair tools included in this program
are credit report request letters. By entering information
specific to you, these prewritten letters will allow you to
request your credit report from the three main credit bureaus.
There are many other prewritten letters included to make the task
of credit repair easy and effective.
In addition to many prewritten letters, you will find other tools
such as complete definitions of the codes used in your credit
report, sample dispute statements you can use, the full and
unmodified Fair Credit Report Act and a Case Study of credit
repair. In addition to these tools, the program has powerful
features such as on-line help, word searching and book marking to
help make credit repair an easy and rewarding task.
DISCLAIMERS, NOTICES AND RIGHTS OF PARTIES
Distributors, please read all information following. Users can
read selected sections that apply to them.
Before we get you started with the program, you are requested to
read the following information if it applies to you. It is
imperative that you understand what this program intends to do
for you and what your rights and obligations are pertaining to
the use of this program.
COPYRIGHT STATEMENT
All versions of The Inside Secrets of Credit Repair are
copyrighted and are the property of InfoTek, Woodbury, CT. Any
modification(s) and redistribution of such modification(s) is a
violation of copyright and present a hazard to subsequent users
who may follow the advise of someone not well versed in the
techniques of credit repair.
DISTRIBUTION AND REPRODUCTION RIGHTS
Read this section only if you intend to distribute this program.
This evaluation copy of The Inside Secrets of Credit Repair may
be sold as shareware by Distributors whose primary business is
the selling of shareware. No specific permission is required for
a shareware Distributor to copy and sell this program as long as
they abide by the restrictions contained herein. However, a
Distributor must discontinue the sale and distribution of this
program when notified by InfoTek in writing to discontinue such
sale and distribution.
Distributors may freely copy this evaluation copy of The Inside
Secrets of Credit Repair for purposes of selling it through their
normal channel of shareware distribution as long as the program
is copied in its entirety and reasonable care is exercised to
avoid contamination by computer and software viruses. The author
prefers that this program not be combined on a single disk or
hard drive with other shareware programs. However, if the
Distributor feels that the other programs do not impact the value
and usability of this program, and they copy it as a compressed
file or place the uncompressed files into its own directory, they
may combine this program with other shareware programs at their
discretion.
Shareware Distributors may add value to this program by including
user instructions, automated installation batch files, and so
forth. But, they must in no way modify the actual program to
accomplish this or modify or replace program related files or
otherwise impact the intended functionality of this program and
its related files.
Distributors may charge a fee that is consistent with the fees
they charge for other shareware programs they distribute, but in
no case shall the fee charged for this evaluation copy exceed
$10.00. Shareware Distributors are encouraged to offer a prompt
and unconditional money back guarantee, but this is not a
requirement for selling this program.
Distributors may request, in writing on their business
letterhead, the latest revision of this program. Unless InfoTek
or the author feel that the requesting party is not a legitimate
Shareware Distributor, a new or higher revision of the program
will be promptly mailed at no cost. If a higher revision is not
available at the time of request, notice will be sent by mail
that the revision in the possession of the Distributor is current
and no disk will be sent.
These shareware Distributor restrictions and policies have been
designed to protect users from obtaining a damaged or impaired
program and to insure that the price charged for this program is
consistent with other shareware programs sold for evaluation
purposes. In all cases, shareware Distributors are responsible
for their own conduct as it pertains to the sale of this program.
NOTICE TO PURCHASERS
Purchasers of this shareware program are requested to contact
their shareware Distributor to resolve any conflicts pertaining
to the sale of the evaluation copy of this program. If
satisfaction is not obtained with the Distributor, or if any
violation of the distributor restrictions herein are suspected,
the user is requested to notify InfoTek at 50 Lake Road,
Woodbury, CT 06798. InfoTek will not arbitrate the dispute or
refund the purchase price on the behalf of the Distributor,
rather will supply the user with a replacement evaluation copy of
this program for a flat fee of $5.00, inclusive of shipping and
handling. Distributors are encouraged to offer an unconditional
money back guarantee. However, this is at the discretion of the
Distributor.
Those other than shareware Distributors may freely copy this
evaluation copy of the program to allow others to evaluate the
program, but must keep the program and all associated files
intact and unmodified. Non-distributors may charge an amount
consistent with the cost of the disk used to convey the program.
FOR USE IN U.S.A. ONLY
These credit repair techniques are applicable to the United
States only. Distributors are requested to confine their
distribution of this program to the United States. If a user
acquires this program outside of the U.S.A., they are advised to
not use the program unless they had residence in the U.S.A. and
need to repair their credit with credit bureaus within the U.S.A.
RIGHT OF USAGE PRIOR TO REGISTRATION
You may use the program to prepare letters to request your credit
reports from the various credit bureaus without any obligation to
register with the author as a user. If upon review of your
reports, with the aid of this program to decipher the meanings of
the codes used in the reports, you decide to pursue credit repair
using this program, you are required to register with the author
to continue using this program for credit repair.
The author is confident that you will find this program
invaluable if you need to repair your credit report. If you do
not need to perform credit repair, you may wish to register
anyway so that you will continue to receive update notices as new
revisions are made available. This will also insure that you have
the program ready for use at a later date should you need it.
Full details about registration and what it includes is provided
from within the program. Just select "HOW TO REGISTER" at the top
right of your screen and follow the prompts.
NOTICE TO ALL USERS
Nothing in this program ever suggests stepping outside of your
legal rights as granted to you by the Federal Trade Commission.
You will not be advised to use unethical or questionable tactics.
If you engage in activities that extend beyond your legal rights
as granted you by the Fair Credit Reporting Act, you may render
your credit repair efforts ineffective and may subject yourself
to problems.
WARRANTY
NO WARRANTY IS EXPRESSED OR IMPLIED THAT, BY USE OF THESE CREDIT
REPAIR TECHNIQUES, YOU WILL REMOVE NEGATIVE CREDIT ENTRIES IN
YOUR CREDIT PROFILE. THE ACTUAL REMOVAL PROCESS IS BETWEEN YOU
AND THE CREDIT BUREAU IN CONJUNCTION WITH YOUR CREDITORS WHEN
APPLICABLE, AND IS SUBJECT TO A WIDE RANGE OF VARIABLES OF WHICH
THE AUTHOR HAS NO CONTROL. YOUR ACTUAL REMOVAL SUCCESS WILL
DEPEND LARGELY UPON YOUR DILIGENCE IN PURSUING YOUR CREDIT REPAIR
OBJECTIVES.
INSIDE SECRETS OF CREDIT REPAIR IS PROVIDED 'AS IS' WITHOUT
WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT
NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND
FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT IS ANY LIABILITY
ACCEPTED FOR ANY DAMAGES INCURRED, EITHER DIRECTLY OR INDIRECTLY,
AS A RESULT OF USING INSIDE SECRETS OF CREDIT REPAIR.
RATHER, THIS PROGRAM PRESENTS GENERAL GUIDELINES, TIPS AND
POINTERS FOR YOUR CONSIDERATION THAT, WHEN APPLIED PROPERLY, HAVE
BEEN SHOWN TO WORK AS THEY PERTAIN TO OPTIMIZATION OF CREDIT
PROFILES.
INTENDED USE
These techniques are intended for personal use only. They are not
to be used to repair the credit profile of a business (many of
the legal rights of an individual consumer are not extended to a
business). Also, this program is not to be used as the basis for
a professional credit repair service.
The development of programs to address credit repair for
businesses and a professional repairers version are under
consideration by the author. Please contact InfoTek to inquire
about the availability of these programs.
ENDORSEMENTS
This program is not endorsed by any Federal agency or body, by
any credit bureau or affiliate or by any professional credit
repair person or organization. Such endorsement has not been
pursued by the author since these techniques are based on the
rights of the consumer as stated in the Fair Credit Reporting
Act, and therefore need no further endorsement.
COMPUTER REQUIREMENTS
To use this software you will need, at a minimum, the following:
1. An IBM XT or compatible (AT or 386 preferable)
2. At least 512 kilobytes of free RAM
3. One 360 kb 5 1/4" or 720 kb 3 1/2" floppy disk drive.
4. EGA or VGA color monitor.
(Note: Monochrome monitors work but important color
coding is lost).
5. 360 kilobytes of free hard drive space
(If you elect to install this program on a hard drive)
6. DOS 3.3 or above.
OPTIONAL ACCESSORIES
1. A mouse is recommended (Microsoft is preferable). However a
mouse is not required to use the program.
2. A printer is necessary if you want to print letters, forms and
other information directly from the program.
3. A Word processor may be used to modify and print the Letter
Templates (provided as ASCII text) if you so desire.
GETTING STARTED
Thank you for reviewing the above. You are now ready to get
started with the program.
Your disk should include the following files:
GO.BAT The batch file used to start the program.
CREDIT.HCM The hyper text file containing the information.
HYPSHELL.CFG Start up configuration file.
INDEX.HIX The hyper text file's index.
HL.EXE The program needed to read the hypertext file.
RESTART.HSF A file used to store running information.
LETTERS.ASC The letters used in the program in ASCII text format.
README.TXT This readme file.
*.ADD Files containing credit bureau addresses.
*.DTA Files used to store information you provide from
within the program.
DO NOT ATTEMPT TO MODIFY ANY FILE.
NOTE:
If you were given an incomplete disk, you should notify the
Distributor or person who sold (or gave) you the disk. If you
cannot get a new and complete disk, send your name and address
with $5.00 to InfoTek, 50 Lake Road, Woodbury CT 06798. Request
an evaluation copy of The Inside Secrets of Credit Repair and
specify the disk size. If you purchased the incomplete program
from a Shareware Distributor, please advise us of the name and
address of the Distributor, we will insure that the Distributor
receives a complete disk.
INSTALLATION
To speed up the program, it is recommended that you copy all of
these files to your hard drive. To do this simply do the
following from DOS:
(Don't type in the ' marks.)
Step 1. Go to the root directory by entering 'C:\' and pressing
enter.
Step 2. Type in 'MD CREDIT' and press enter to make a new
directory called "CREDIT".
If you want to put the files on hard drive other than
the C drive or in a directory other than CREDIT, simply
substitute the drive and directory specifications with
your own.
Step 4. Change to the new CREDIT directory by typing in
'CD\CREDIT' and pressing enter.
Step 5. With the program disk in drive A, type in 'COPY A:\*.*'
and press enter. All files on the disk in drive A
will be copied to the CREDIT directory on your C hard.
drive.
Step 6. Remaining in the C:\CREDIT directory, type 'GO' and
press enter. The program will start.
Once you are in the program, just press the space bar to begin
moving through the screens. Follow the directions presented to
you from within the program. Make sure to spend ample time
learning the basic commands and functions of the program. This
will insure that you receive the most value from the program. If
you are unfamiliar with hypertext, make sure you review ABOUT
HYPERTEXT and USING HYPERTEXT which you select from the START UP
MENU.
Once again, thank you for trying The Inside Secrets of Credit
Repair. We are confident that you will find the principles of
credit repair interesting and, when used properly, will prove
rewarding.
Remember, the right to monitor your credit report and to dispute
inaccurate entries on your credit report is your legal right. Use
those rights properly and they will prove to be as valuable to
you as a good credit status.
Directory of PC-SIG Library Disk #3376
Volume in drive A has no label
Directory of A:\
ALL DTA 704 10-19-91 10:34p
CBI ADD 55 9-04-91 11:06p
CREDIT HCM 186322 12-27-91 1:36a
CREDIT HIX 15552 12-27-91 2:04a
GO BAT 31 11-18-91 10:37p
HL EXE 40940 9-09-91 1:44p
HYPSHELL CFG 540 12-15-91 5:54p
LETTERS ASC 12337 10-19-91 9:45p
README TXT 20252 11-16-91 7:45p
RESTART HSF 823 2-24-93 10:25a
SVEPLC DTA 32 2-24-93 10:25a
TRANS ADD 86 9-04-91 11:06p
TRW ADD 78 9-04-91 11:06p
13 file(s) 277752 bytes
36864 bytes free