How to Outsmart the Credit Bureaus

Most people are unaware that all of the major credit bureaus are in the business of making money selling your consumer credit information to the highest bidders. The 3 major Credit Bureaus are all listed as private companies inside the New York Stock Exchange.

Do not let the term "bureaus" confuse you. The 3 Major Credit Bureaus are NOT government agencies and they are NOT in the business of protecting your consumer credit rights.

The 3 Major Credit Reporting Agencies have, absolutely, no problem with the concept of selling your consumer information to other private agencies and/or destroying your credit, at the same time. Credit Reporting Agencies make millions of dollars a day manipulating and selling the data inside your credit file, everyday.

How to Outsmart the Credit Bureaus book explains how every individual consumer can protect themselves from the many tactics that the credit bureaus use to gather information on every consumer.

The 3 Major Credit Bureaus will tell you that it is against the law to knowingly dispute accurate information on your credit report and that is it punishable by law.

This simply is not true. An individual consumer has a legal right to investigate every single item inside his or her credit file. Contact your local Attorney General's Office inside your County or your local District. You have a legal right to dispute any information on your credit report. Do your research.

Does your credit report only require minor improvements or updates to become perfect credit? Complete credit restoration involves more than just removing negative stuff from your credit file. The book How to Outsmart the Credit contains complete credit restoration information.

Are you recovering from Bankruptcy or judgements or delinquent student loans? How to Outsmart the Credit Bureaus contains everything you need to know to rebuild even the most severely "damaged" credit reports.