Phreaker Tweaking Your Credit

I've had a few ideas about a product I'm promoting: Identity Theft Shield from prepaid legal. Ideas which are not necessarily intended, but which will offer you awesomeness in credit repair.

First, identity theft shield allows you to constantly monitor your Experian credit score and report. So you'll know what you're looking at. Your regular membership, usually a good idea to have at the same time, allows you to consult, over the phone, with a law firm in your state. Thus, beside paying your damn bills, you can ask for assistance on any derogatory information on your report.

So print out the report, and make a call about each item. Usually, there will be a dispute in the amount, or certain procedures or laws governing collections and reporting, are not followed. Therefore, your attorney may write a letter, or place a call to the credit bureau or the creditor/ collector. (this is included free: one call or letter per issue.) The letter/call will either either defend you, that the charges have increased unreasonably, and that you are unable to pay them, or perhaps request a settlement, or point out a violation of the law that makes the collection item invalid.

So, while it's not marketed as a credit repair plan, that's why I think this product could pay dividends if used in this way. It's a lot cheaper than other debt management programs, and doesn't have any risk.


Perhaps you could even temporarily erase bad credit history, and receive funding before the negative items reappear! It takes some time to get them back. Those that you aren't able to shake permanently, that is. There's usually a way to get rid of a few of those entries without paying. The letter from an attorney is usually the most effective one.

In addition, your provider law firm, will also send out collection letters for you, so, if anyone owes you money, get them sent an official bill on law firm stationary, and, if they pay, send the money to your collectors!

After action has been taken for you, keep looking at your score and note any improvement.

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-Second: fun with identity disputing-

Simply report collection items least likely access to your driver's license or other incriminating proof of who you are, as fraudulent or mistaken entries which didn't come from you!!!!

I didn't tell you this, and don't call me when they bring you to jail for fraudulently calling 'wolf.'

At the very least, this approach will remove an item from your report -or mark it- "Pending review" while it is being investigated.

There are private investigators working for Prepaid Legal, so, be careful.


(You didn't really think I meant this second part, did you? If you are dumb enough to believe this concept of pitting the system against itself, instead of taking it in jest, as it was meant, than, I can't do anything for you!