After suffering from a poor credit report for years, Mark Clayborne went on a mission to study everything he could on restoring his credit. Concluding the extensive research, he repaired his credit report and learned various hidden secrets on how to improve a bad credit file. Because of this new found tested knowledge, Mr. Clayborne helped over a hundred consumers repair their credit and take their financial life back. Now, he wants to share these strategies with the world and as a result HIDDEN CREDIT REPAIR SECRETS was created which has sold over 1000 copies as of today. Mark is a certified credit consultant with over 100 articles written in the area of credit repair and a successful radio show titled “Who Else Wants Better Credit”, which is aired on Blog Talk Radio every Tuesday & Thursday at 7:30PM-PST. Mark educates his customers through articles, videos, his blog and various credit repair kits. He graduated from Virginia Commonwealth University with a Bachelor's Degree in Criminal Justice. He also holds a paralegal diploma. He currently lives in sunny California with a beautiful wife and lovely daughter.

1. Hiddencreditrepairsecrets.com
Presents
Legitimate Debt Relief Advice

2. Debt settlement is a good way for you
to save thousands or hundreds of
dollars, stop the creditors, collection
agents, and attorney's from harassing
you, and cleaning up your credit
reports. Nevertheless, before you enter
this game, there are five tips/questions
you should ask yourself before the
start of negotiations.

3. Debt settlement advice tip - Question 1
- Can I record the conversation with
the creditor?
Yes, and no; it depends on your state
laws. If your state is a one party state,
then you do not need the creditor's
permission to record the conversation
because you need only one person's
authorization, and that is yours. In a
two - party state, you do need the
creditor's permission to record the
conversation. See your state laws on
recording conversations over the
phone.

4. Debt settlement advice tip - Question 2
- Should I document my contact with
the creditor?
Yes, always document and keep
correspondences between yourself, the
creditor, and the collection agency.
Furthermore, keep all letters and
envelopes from the creditor as the
envelopes show the dates they were
sent. Documentation is needed in case
you have to go to court and prove to
the judge that you tried to settle the
debt.

5. Debt settlement advice tip - Question 3
- How many creditors or collection
agencies should I deal with at one
time?
Settle with each creditor or collection
agency one at a time. For example, find out
how much you owe on the first debt, then call
them up or send a settlement letter. Once
you have negotiated a deal, start with the
second creditor. If you call up multiple
creditors at one time, you may run out of
money to settle your debts.

6. Debt settlement advice tip - Question 4
- Should I write or call?
When dealing with the original creditor,
you should call them because they are
not as cold as the collection agencies.
Moreover, send all settlement letters
via certified mail with return receipt to
collection agencies as they have a
habit of not honoring their agreements.

7. Debt settlement advice tip - Question 5
- What should I say?
Contact the creditor by phone and ask
them for the customer service
department. Don't admit that the debt
is yours, or you can restart the state
statute of limitation. Politely provide
them with your account number and
inquire whether their company of fers
settlements. Keep your conversation
short and straight to the point.

8. In summary, remember the following key
points: recording the conversation if you
state allows it, documentation is crucial as it
servers as proof of your contract, always
deal with one old debt at a time, start
negotiations of f with a call or in writing, and
know what to say over the phone. Now that
you are empowered with more information,
go out there, and take action.

9. If you are ready to say goodbye to
credit rejection and debt collectors,
visit hiddencreditrepairsecrets.com
and sign up for the Free 8-Day E-Credit
Repair Course, and claim your Free
Gift-60 minute Podcast on Rebuilding
Your Credit
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