Orlando FL – I mentioned in the last note that you’ll need to keep a file of records about your credit restoration process. This is an important part of the process, and deserves a bit more than a brief mention.

Get my Free, Step By Step Loan Modification Guide by clicking here.

The credit reporting companies have 30 days (by law), to investigate and handle the disputes submitted to them. This is why you submitted everything through certified mail.

That enables you to record the time firmly for the credit reporting firms to respond within. But it’s more than that. This file will become important for a long time for you.

Many people successfully removed items from their credit reports. Later on they found those same items show back up on their credit report months in the future! Having a record of your efforts and the results is needed to keep your record blemish free in the future.

Make your records easy to follow. You will need to keep the original copy of your credit reports here, as well as the copies you’ve made notes and comments on.

Keep copies of the letters you send to the credit reporting companies. Keep the Certified Mail slips. File any correspondence that the credit reporting companies send to you.

Keep a journal in your file of any telephone conversations you have with any of the creditors or credit reporting companies. Record in this journal the names, dates, times, and notes of these phone calls.

In addition, have a method to remind yourself of “action step dates” – those dates where you expect to have a certain action done by the credit reporting firms.

This can be a calendar you keep on the front of the file, or use Outlook’s calendar feature, or your calendar app on your phone.

This may seem like your credit report has become your new part time job, but with a little bit of organization and perseverance, it will be worth it!

Thinking about a loan modification?Our Orlando loan modification guide will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at gitta@gitta.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (407) 330-2181

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Gitta Urbainczyk.

Gitta is a Real Estate Broker at Keller Williams Heritage Realty . Orlando Short Sales Realtor:

Phone: (407) 330-2181. www.greaterOrlandohomes.com .

Gitta Urbainczyk specializes in loan modification assistance and short sales in Orlando Florida. Orlando Loan Modification Help, Orlando Short Sales. Orlando Short Sale Realtor. Orlando Short Sale Realtor Orlando FL Short Sales. Orlando Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gitta Urbainczyk, Keller Williams Heritage Realty , and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

The views expressed here are Urbainczyk’s personal views and do not reflect the views of Keller Williams Heritage Realty .

This information on Fixing Credit After A Orlando Short Sale Step 6: Why It’s So Important To Document Everything is provided as a courtesy to our viewers to help them make informed decisions.

Orlando FL – Once your strongly worded credit report dispute letters are written to each of the three credit reporting companies, then it is time to get it into the hands of their dispute department.

The goal is to get your letter read, taken seriously, and responded to.

Get my Free, Step By Step Loan Modification Guide by clicking here.

**Make sure you make a copy of whatever you are sending to the credit bureaus.** Just keep all your credit reports, letters, etc. in a file so you can use these later (this will be important.)

Send your letter, a copy of the credit report with the items you are disputing noted in Sharpie, and a copy of your driver’s license to each of the credit reporting companies.

This step CAN be a bit tricky, even though it should be the easiest step of all! Here’s why – the credit reporting firms don’t really like to deal with these dispute letters, and they change their mailing address for submitting these requests fairly often.

You will need to go to the website for Experian, Equifax, and Trans Union to get their dispute address.

BUT DO NOT SUBMIT YOUR DISPUTES ONLINE, like their websites pushes you to do. If you do this, your request is less likely to be taken seriously, and you won’t have any written record of what you submitted.

Send each of your letters as Certified Mail. Your local post office will help you with this.

Put the copy of the certification slip into your file as well. The certification slip ensures that you have a timeline started for restoring your credit.

Thinking about a loan modification?Our Orlando loan modification guide will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at gitta@gitta.com to request a Free Copy.

Or, click here to request a copy.

Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at gitta@gitta.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (407) 330-2181

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Gitta Urbainczyk.

Gitta is a Real Estate Broker at Keller Williams Heritage Realty . Orlando Short Sales Realtor:

Phone: (407) 330-2181. gitta@gitta.com.

What do you recommend

View My homes for sale at www.greaterOrlandohomes.com .

Gitta Urbainczyk specializes in loan modification assistance and short sales in Orlando Florida. Orlando Loan Modification Help, Orlando Short Sales. Orlando Short Sale Realtor. Orlando Short Sale Realtor Orlando FL Short Sales. Orlando Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gitta Urbainczyk, Keller Williams Heritage Realty , and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

The views expressed here are Urbainczyk’s personal views and do not reflect the views of Keller Williams Heritage Realty .

This information on Fixing Credit After A Orlando Short Sale Step 5: How To Mail The Letter is provided as a courtesy to our viewers to help them make informed decisions.

Orlando FL – The next step in going over your credit reports is to really rank the items being reported about you to find ones that are the most negative. Rank the negative items with the MOST negative ones given the lowest ranking.

Get my Free, Step By Step Loan Modification Guide by clicking here.

You want to rank the ones that will cause the most damage to your credit score.

Here are the most damaging items (in order of damage amount): bankruptcy; foreclosure; repossession; loan default; court judgment; accounts in collections; payments that are past due; payments that are late; being denied credit; inquiries to open new credit.

One thing to note about disputing things on your credit report – items like court judgments and foreclosures and child support arrears are verified by a different system, and are rarely if ever disputable.

Here is one of the best suggestions that I have seen work well. Take a Sharpie pen, and mark on the unused copy of your report.

Circle the items you are disputing and write a SHORT note about why you are disputing that item – for example “Not my account” or “Not Late.”

I am not advising you to lie or make misleading statements when you write to the credit reporting company. However, I will tell you that if someone is reporting something about you, they should be able to prove that what they are saying is the truth.

The credit bureaus are required to check out and investigate all the disputes they get that are deemed to not be “frivolous or irrelevant.”

What that means is that you need to not dispute every single item on your report right now, and you need to be taken seriously.

This means DO NOT use the dispute form that they sent with your credit report. They see those forms as “frivolous” 9 out of 10 times.

DO NOT use their online dispute center – the credit bureaus don’t take those seriously because they think you can’t be too serious if you just click-click-clicked away to dispute it.

Thinking about a loan modification?Our Orlando loan modification guide will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at gitta@gitta.com to request a Free Copy.

Or, click here to request a copy.

Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at gitta@gitta.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (407) 330-2181

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Gitta Urbainczyk.

Gitta is a Real Estate Broker at Keller Williams Heritage Realty . Orlando Short Sales Realtor:

Phone: (407) 330-2181. gitta@gitta.com.

What do you recommend

View My homes for sale at www.greaterOrlandohomes.com .

Gitta Urbainczyk specializes in loan modification assistance and short sales in Orlando Florida. Orlando Loan Modification Help, Orlando Short Sales. Orlando Short Sale Realtor. Windermere Short Sale Realtor Windermere FL Short Sales. Windermere Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gitta Urbainczyk, Keller Williams Heritage Realty , and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

The views expressed here are Urbainczyk’s personal views and do not reflect the views of Keller Williams Heritage Realty .

This information on Fixing Credit After A Orlando Short Sale Step 3: Rank Items In Order Of Importance is provided as a courtesy to our viewers to help them make informed decisions.

Orlando FL – The next step in going over your credit reports is to really rank the items being reported about you to find ones that are the most negative. Rank the negative items with the MOST negative ones given the lowest ranking.

Get my Free, Step By Step Loan Modification Guide by clicking here.

You want to rank the ones that will cause the most damage to your credit score.

Here are the most damaging items (in order of damage amount): bankruptcy; foreclosure; repossession; loan default; court judgment; accounts in collections; payments that are past due; payments that are late; being denied credit; inquiries to open new credit.

One thing to note about disputing things on your credit report – items like court judgments and foreclosures and child support arrears are verified by a different system, and are rarely if ever disputable.

Here is one of the best suggestions that I have seen work well. Take a Sharpie pen, and mark on the unused copy of your report.

Circle the items you are disputing and write a SHORT note about why you are disputing that item – for example “Not my account” or “Not Late.”

I am not advising you to lie or make misleading statements when you write to the credit reporting company. However, I will tell you that if someone is reporting something about you, they should be able to prove that what they are saying is the truth.

The credit bureaus are required to check out and investigate all the disputes they get that are deemed to not be “frivolous or irrelevant.”

What that means is that you need to not dispute every single item on your report right now, and you need to be taken seriously.

This means DO NOT use the dispute form that they sent with your credit report. They see those forms as “frivolous” 9 out of 10 times.

DO NOT use their online dispute center – the credit bureaus don’t take those seriously because they think you can’t be too serious if you just click-click-clicked away to dispute it.

Thinking about a loan modification?Our Orlando loan modification guide will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at gitta@gitta.com to request a Free Copy.

Or, click here to request a copy.

Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at gitta@gitta.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (407) 330-2181

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Gitta Urbainczyk.

Gitta is a Real Estate Broker at Keller Williams Heritage Realty . Orlando Short Sales Realtor:

Phone: (407) 330-2181. gitta@gitta.com.

What do you recommend

View My homes for sale at www.greaterOrlandohomes.com .

Gitta Urbainczyk specializes in loan modification assistance and short sales in Orlando Florida. Orlando Loan Modification Help, Orlando Short Sales. Orlando Short Sale Realtor. Windermere Short Sale Realtor Windermere FL Short Sales. Windermere Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gitta Urbainczyk, Keller Williams Heritage Realty , and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

The views expressed here are Urbainczyk’s personal views and do not reflect the views of Keller Williams Heritage Realty .

This information on Fixing Credit After A Orlando Short Sale Step 3: Rank Items In Order Of Importance is provided as a courtesy to our viewers to help them make informed decisions.

Orlando FL – Once you have gotten your credit report, the next step in the process of restoring your credit score is to go over it with a critical eye. Analyze what the report says.

Get my Free, Step By Step Loan Modification Guide by clicking here.

Put aside any emotion that looking at the report might stir up – you need to look at it objectively.

First, make two copies of your credit report. Save the original without any marks on it. You can make any notes you need on one of the copies, and put the other copy aside for a later step.

Your credit report will show all sorts of history on your credit accounts. Look for all the negative items on your credit report and highlight each one.

The credit reporting firms might not make it easy for you to know what they are considering negative with all the codes they use.

As a very general rule, Experian notes negative items with an asterisk or an inquiry; Equifax and TransUnion put “>>>” as a way to signal negative items or items that have a rating higher than l1, M1, or R1.

You can also look for these words: repossession, foreclosure, profit and loss write-off, charge-off, paid profit and loss write-off, paid charge off, settled, settled for less than full balance, included in bankruptcy, collection amounts.

Paid, unpaid (or anything indicating payment history); court accounts, liens, judgments, bankruptcy (chapters 11,7, or 13) divorce, satisfied liens, or satisfied judgments; or items that show more than 30, 60, or 90 day payments. All of these should get highlighted by you.

Once you’ve highlighted anything that is listed as negative, take out a pencil and put a note next to the items that are either inaccurate or inconsistent. Inaccurate items are the ones that aren’t yours, or show the wrong balance, etc.

An inconsistent reporting is where the same information on the report contradicts itself somewhere else. For example, showing one place that there are twelve 31-day-lates on an account, while also saying that the account was only reviewed for 4 months.

It is always surprising how often there are errors like that found on credit reports. Remember – there’s a whole lot of information being submitted each day to these companies, and mistakes can happen.

The next step will be important to take as soon as you finish highlighting your report. You will need to move quickly through these first few steps – your timing is all tracked and it’s important for you to be diligent so that your credit can be restored.

Thinking about a loan modification?Our Orlando loan modification guide will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at gitta@gitta.com to request a Free Copy.

Or, click here to request a copy.

Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at gitta@gitta.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (407) 330-2181

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Gitta Urbainczyk.

Gitta is a Real Estate Broker at Keller Williams Heritage Realty . Orlando Short Sales Realtor:

Phone: (407) 330-2181. gitta@gitta.com.

What do you recommend

View My homes for sale at www.greaterOrlandohomes.com .

Gitta Urbainczyk specializes in loan modification assistance and short sales in Orlando Florida. Orlando Loan Modification Help, Orlando Short Sales. Orlando Short Sale Realtor. Windermere Short Sale Realtor Windermere FL Short Sales. Windermere Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gitta Urbainczyk, Keller Williams Heritage Realty , and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

The views expressed here are Urbainczyk’s personal views and do not reflect the views of Keller Williams Heritage Realty .

This information on Fixing Credit After A Orlando Short Sale Step 2: Analyzing Your Credit Report is provided as a courtesy to our viewers to help them make informed decisions.