CREDIT REPAIR AND MONITORING KIT

Part of the Living Free and Clear System

EASY AS 1 2 3
BY TJ MARRS OF ASSET SOLUTIONS 2100, LLC

IMPROVING YOUR CREDIT EASY AS 1-2-3 Provided by Asset Solutions 2100, LLC If you have a less than excellent credit rating, you are not alone. Many Americans have damaged their credit rating by missing payments, carrying high balances and whether from inexperience, illness or unemployment, over extending themselves financially. It will take time, but you can improve your credit rating. You Can qualify for many loans out there at MUCH better rates, saving you thousands of dollars over a life time by improving and working on your credit. It takes diligence, but it is what the world know about you, be sure they get the best picture possible. The first thing to do is to make sure you understand what caused your credit rating to decline. Equifax makes this easy for you by offering online access to your credit file and credit score with Score PowerTM. The other 2 credit bureaus Trans union and Experian offer similar services as well. CREDIT BUREAU CREDIT MONITORING SERVICES ARE HIGHLY RECOMMENDED tools to use while repairing your file. Subscribing to this special service will allow you to be notified of all changes to your report as well as get FREE updates as needed. Your personalized Score PowerTM analysis will tell you which factors in your credit history most affect your credit score and therefore your credit rating. The five areas considered in the calculation of your credit score listed from most important to least important are:

Payment history Amount owed Length of credit history New credit Types of credit in use.

Next, lock away your credit cards. Don't cancel them because if your credit rating is very low, you may have trouble getting new cards. But don't use them. Right now your goal is to pay down your debt, not to increase it. Create a plan based on the analysis of your credit score to take actions that will improve your credit rating over time. Since payment history is the most important factor in your credit rating, the first order of business is to pay your bills on time. Pay at least the minimum balance on each bill within 30 days. If you are unable to afford to pay all your bills on time, consider credit counseling services. One such agency is Consumer Credit Counseling Service with more than 1,200 offices across the country. Call toll-free at 800-388-2227. Or write to the Federal Trade Commission, 6th and Pennsylvania Avenues, NW, Washington, DC 20004 for advice on paying off debt. Stay away from so-called credit-repair clinics. Avoid companies that say they will guarantee to remove late payments or bankruptcies from your report or that pressure you to buy their services immediately. Only you can fix your credit rating.

The final step is to keep at it. The longer you exhibit good credit behavior by paying your bills on time and managing your credit wisely, the more your credit rating will improve, until you once again achieve a favorable credit rating. HERE ARE SOME TOOLS TO HELP YOU ALONG THE WAY.

Monitor every move with your credit, with ID theft protection: http://prepaidlegal.com/hub/assets

HOW TO DISPUTE ITEMS ON YOUR CREDIT FILES

To dispute inaccurate information on your Equifax, Experian, or Trans Union credit report, write to the bureau that supplied the information. In your letter be sure to include:

Write several letters and keep a good record as you go. Letter should include:
1. Your full name, first, middle and last and including any applicable suffixes (Jr., Sr., II, etc.) 2. Your complete mailing address 3. Your date of birth 4. Your Social Security number (this is necessary to access your credit report 5. The name and account number of the creditor and item in question 6. The specific reason for your disagreement with the disputed item

Equifax Information Services P.O. Box 740241 Atlanta, GA 30374-0241 Web: www.equifax.com

1 (888) 781-8527

Experian Web: www.experian.com

1 (888) EXPERIAN

Trans Union Corporation P.O. Box 390 Springfield, PA 19064-0390 Web: www.tuc.com

1 (800) 916-8800

CREDIT DISPUTE LETTER February 8, 2007 Attn: Consumer Relations Name of Credit Reporting Agency Address City, State, Zip Code Phone Re: Dispute of Credit Report Please review the following inaccurate items listed on my (our) credit report: _______________________________________________________ _______________________________________________________ _______________________________________________________ _______________________________________________________ In accordance with the Fair Credit Reporting Act, I understand you will check each item with the creditors listed and remove any item(s) that cannot be verified. I further understand you will reinvestigate and reply to my request within 30 days. Sincerely, Your Signature Your Name Your SSN Your Address Your Phone Number (optional) Your Date of Birth

Dispute Investigation Findings

February 8, 2007 Attn: Consumer Relations Name of Credit Reporting Agency Address City, State, Zip Code Phone Re: Dispute Investigation Findings I disagree with the findings of your investigation concerning the following items: ______________________________________________________ ______________________________________________________ ______________________________________________________ ______________________________________________________ Please re-investigate and provide me with the company names and addresses of those merchants with whom you verified the information so that I may contact them myself. Please advise me of the re-investigation findings and forward to me an updated copy of my file. Sincerely, Your Signature Your Name Your SSN Your Date of Birth Your Address Your Phone Number (optional)

February 8, 2007 Attn: Consumer Relations Name of Credit Reporting Agency Address City, State, Zip Code Phone Re: No Response From Your Company to My Initial Dispute On (Date) I requested an investigation of certain items on my credit file. You will find a copy of my letter enclosed. The Fair Credit Reporting Act states a response is required from you within 30 days. I assume you have not responded because the disputed items cannot be verified. Therefore, please delete these items and send me a corrected copy. I understand you will also send an updated copy to everyone who has requested a copy of my file within the past 6 months.

Sincerely, Your Signature Your Name Your SSN Your Date of Birth Your Address Your Phone Number (optional)

CREDIT SETTLEMENT AND CLEAR ITEM FROM BUREAU SETTLEMENT LETTER This letter is designed to help you get a reduced PAYOFF of a credit item, AND get them removed as negative items from your credit files. It is especially effective regarding judgments, collections, and other smaller bills. We suggest you offer no more than .25 on the dollar for items older than 2 years past due. February 8, 2007 Attn: Consumer Relations Name of Collection agency or creditor Address City, State, Zip Code Phone Fax Re: Payment of pending credit item Regarding the item owed to you company in the amount of $_____________ Although we dispute owing this item, we are willing to tender an offer to settle and pay it off. We have currently assembled only enough funds to settle certain collection items in our credit file at a reduced amount. Therefore, we can offer no more than $_________ to settle this account in full. The only additional condition of accepting this offer are that you will immediately indicate to the credit bureau with whom the creditor deals, that adverse information regarding Debtors account is no longer verifiable and should be deleted from Debtors consumer report. This action is expected to be complete no more than 30 days from the date you receive the funds. If you are in acceptance if this offer, please notify us by phone, email or fax. The Fair Credit Reporting Act requires a response from you within 30 days. If you do not respond, we have the right to have this item deleted from our credit bureau files. Your signature below is all that is required. You may then mail or fax this letter in return. We will forward funds at that time. Sincerely,
Your Signature

Your Name Your SSN Your Date of Birth Your Address Your Phone Number (optional) Fax _______________________________________________________________________ CREDITOR SIGN AND RETURN ______________________________Printed Name X_____________________________ACCEPTED DATE _______, 2002

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ASSET SOLUTIONS 2100, LLC