Disputing errors in your credit report is a free, legal right available to you under the Fair Credit Reporting Act

Nothing you do as part of this program can be considered illegal. It’s your right!

We will provide you with all the tools necessary to take control and fix errors on your credit report.

Under the Fair Credit Reporting Act both the credit reporting company and the information provider (that is, the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report.

Rich Dad’s Credit Reset takes all the difficulty out of the credit repair process and leads you step by step to a successful outcome.

You might be thinking, “But I’ve had bad credit too long, nothing can help.”

We have seen the proof, so you can rest assured that success is not only possible, it’s likely.

It’s a little known fact that credit bureaus are only allowed to list negative items on your credit report for seven years…well, bankruptcies are another story.

But for most accounts, after seven years, the credit bureaus will automatically delete the negative items from your credit report.

But what happens if that doesn’t happen? That’s where Rich Dad’s Credit Reset program can help!

Credit card companies must investigate items in question within a certain amount of time, typically within 30 days.

They also have an obligation to forward all relevant data about the inaccuracy to the company, person, or organization that provided the information.

After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company.

If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies (Experian, Equifax, and TransUnion) so they can correct the information in your file.

Even if you’ve tried something like this in the past…

Lenders report both positive and negative information to the credit bureaus once per month.

So your credit scores can change a bit each month, depending on the information that’s landing on your credit reports.

If you’ve tried to repair your credit in the past, you should always make sure that information that’s being reported is accurate.

Some consumer advocates suggest that you review your credit report periodically.

Why?

• Because the information it contains affects whether you can get a loan—and how much you will have to pay to borrow money.
• To make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
• To help guard against identity theft.

Your time is valuable, and we don’t want to waste it…

Even one negative item can adversely affect your credit

That’s why we are giving you all the information to get started right now, so you can see results in a matter of days, or it could take several months.

Your results depend on how many items you have and a number of other factors that are outside of your control.

There are shortcut methods to speed up the process if you need to improve your credit in a hurry, as when trying to qualify for things like a mortgage.

If you’re an entrepreneur, did you know this program can help you too?

Business loans you seek are affected by your personal credit.

There is a big misconception that your personal credit score isn’t taken into consideration when it comes to starting your own business.

But this is false.

Lenders often look at your personal credit history to determine if you are a good fit for a loan.

Lenders see this as evidence of your credibility.

They want to know if you are a reliable borrower. If you have a questionable credit history, lenders might assume that you are too risky of an investment and your chances at a loan might get a little slimmer.

But whether you’re looking to buy a house or start a business…

A Study conducted by the Federal Trade Commission (FTC) Found that about 20 percent of consumers who identified errors on one of their three major credit reports experienced an increase in their credit score…

…that resulted in a decrease in their credit risk tier, making them more likely to be offered a lower auto loan interest rate.

For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards, auto loans, and mortgages.

These days, other types of businesses—including auto and homeowners insurance companies and phone companies—are using credit scores to decide whether to issue you a policy or provide you with a service and on what terms.

A higher credit score is taken to mean you are less of a risk, which, in turn, means you are more likely to get credit or insurance—or pay less for it.

To improve your credit score under most systems, focus on paying your bills in a timely way, paying down any outstanding balances, and staying away from new debt.

A lot of people don’t know that inaccurate information also affects their credit score. By removing the inaccurate information, you will see a positive impact on your credit score.

And for your safety and protection, we will never ask you for your information or collect your data…

Rich Dad’s Credit Reset is 100% Secure and Safe

This process is 100% secure. Meaning, only you have access to your information. We do not collect ANY personal information such as Social Security, Credit Report, etc. We simply give you the tools and let you handle the rest!

Even if you think you don’t have time to complete this program…

You Could Start Repairing Your Credit Before You Finish Reading This

How many times a week do you do laundry?

What if I told you that you could get your credit reports, find your discrepancies, and print out the material all in the time it would take to do one full cycle of laundry?

Would you do it then?

Rich Dad’s Credit Reset is easier than you think and you could start the process faster than doing a load of laundry.

Even better, you can see results in a matter of days.

The 2012 FTC study also found that one in five consumers had an error that was corrected by a credit reporting agency (CRA) after it was disputed on at least one of their three credit reports.

There are shortcut methods to speed up the process if you need to improve your credit in a hurry, as when trying to qualify for a mortgage.

The point is, if you don’t try, the errors will remain on your report and affect your ability to get loans, buy a car, and or even a house.

Managing your credit is more than checking your credit score. It’s actually ensuring that what’s being reported is true and accurate.

According to a 2016 Bankrate survey, only 29% of people check their credit scores a couple times a year and 21% check only once a year.

So what does “managing your credit” mean?

Not much if you fall in the statistics above.

That’s why it’s important to regularly check your credit reports and learn how to spot and handle discrepancies. Fine-tuning your credit report will not only help you raise your credit score, it will help protect your identity.

And while some people would claim that they let their spouses worry about that stuff, there is something you should know…

Your Credit is Separate from Your Spouse’s

One misconception about marriage, when it comes to credit scores, is that both spouses lose their individual credit scores and combine into one huge score.

That’s not true.

Each individual is responsible for their own credit score.

HOWEVER, one spouse’s credit score can affect the other when it comes to purchasing things TOGETHER.

For instance, if you and your spouse are ready to purchase a house together but you both have different credit scores, what does this mean when you go to get approved for a loan?

Well, when people say that marriage means having a collective credit score, it doesn’t mean that they combine and average your scores.

What they do is take what is called the “lower mid score” for each spouse. Each of the 3 major credit bureaus gives you a credit score based on their own findings.

The lender looks at all three scores for each spouse and takes the middle one for each.

For example, you might have 745, 755 and 733. Your spouse might have 610, 625 and 633.

The lender will pull your 745 and your spouses 625, and choose the lowest score out of the two, which is 625.

You don’t want to let your spouse down do you? Neither do we.

We’re not going to tell you to get rid of all your debt, or something crazy like that, because what some people don’t know is…

Debt and Credit are Two Different Things

There is a misconception out there that your personal debt and credit score are the same thing. They’re not.

Most people believe that the only way to improve your credit score is to pay off all of your debt and then avoid debt as a financing option.

This is just not realistic. 99.99% of us need debt because of home and vehicle ownership, postsecondary education, etc.

Yes, paying off debt can help improve your credit score but there’s more to it than that; paying bills on time, being responsible with the amount of debt you take on, and making sure to regularly check your credit reports for fraudulent information.

People get caught up in obtaining that “good score” but don’t know what that looks like.

Generally, a FICO Score above 670 is considered a good credit score

But to qualify for the best rates and terms on a home mortgage, you will need at least a 680 or higher.

Many lenders give their best rates to those with a 740 or better.

For credit cards and car loans, you should probably qualify for the best rates with anything over a 640, though some lenders make special offers for those with over a 700 score.

Anything below 620 will put you in the “sub-prime” category for home mortgages (meaning you’ll pay higher fees and get a higher rate).

If you have less than a 600 score, you probably won’t get approved for most unsecured credit cards.

Your goal should be a 770 score. And did you know…

35% of your FICO Score calculation comes from your payment history, according to credit.com. So make sure your credit report is squeaky clean!

Higher credit scores can help you qualify for low refinance rates on your mortgage and reduced rates on credit cards.

If you have an average amount of debt and improve your score from, say, 610 to 720, you could save as much as $350 to $450 per month.

Over a lifetime, that could add up to tens of thousands of dollars.

Even if you think you’re credit report is accurate…it’s worth checking…

According to the Federal Trade Commission, 1 in 5 consumers had an error on at least one of their credit reports in 2012. A follow-up study in 2015 found that those who reported an unresolved error on one of their reports believe that at least one piece of disputed information is still inaccurate.

So, if you think that your credit report is accurate, you’re in the small minority.

However, you are still able to dispute items based on trivial inconsistencies in reporting.

For instance, if an item shows “90 days late,” that could mean only that you have gone into the third 30-day period.

You really may only be 68 days late.

Therefore, you can legally dispute this item and the credit bureaus will have to validate it.

If they can’t (and we show you how to make it tough for them), then they will have to remove it from your report.

You’ll get all the tools to make that happen, and…

Get life-changing results with a one-time payment of $97.00.

If you could raise your credit score 5 points, is it worth it?

10 pts?

20 pts?

100?

No matter how little your credit score changes, it could mean a world of difference in your ability to get a loan, rent an apartment, or start with your first investment idea!

Yes! I Want to Enroll

If for any reason you are not completely satisfied, simply let us know.

We know that when you see the quality of our program, you will be impressed.

You can take a full 30 days to review it and make sure that it is everything we say–and more.

If it’s not, you can return the program for a full refund.

We want you to succeed, so even though our software makes everything easy, we realize that you may still have a few questions now and then.

To help answer your questions, you will have unlimited email support during the crucial first 30 days.

After that, we will take questions on a discretionary basis for an unlimited time.

Yes! I Want to Enroll

Rich Dad Company is NOT a credit repair company. This course gives you access and instructions to complete disputes on your own.