Raise your FICO® scores dramatically

*Free Case Analysis*

Fantastic credit score increases withOUT disputing accurate negative credit.

Everything strictly legal. 100% effective tactics that never fail.

I’m David Schram, author of the first book ever on how credit scores really work.

I’ve done radio shows across the nation and my printed newspaper and magazine articles have been published world wide under my pen name Dave Peters by Gannett Publishing, the owners of USA Today .

“CREDIT REPAIR” HURTS MORTGAGE LOAN CHANCES

I strongly advise against trying to dispute any credit information...

FALL 2008: “Disputed by consumer” on credit reports now causes huge mortgage loan underwriting problems and usually denied loans on FHA, Fannie Mae & Freddie Mac type loans. Because. . .

Summer 2007: The credit reporting agencies began changing how they deal with credit disputes. Credit repair became far less effective than before. I’ll tell you how to accomplish much of what credit repair used to do when it was successful at all.