Welcome to the Credit Score Builder! I created this blog to share my many years experience in the mortgage and credit industry. In addition to being a mortgage professional for the last 9 years...I consider myself a "veteran" of do-it-yourself credit repair as evidenced by stacks and stacks of letters I've crafted over the years that have been used to successfully delete late pays, judgments, collections and even entire tradelines.

As a sales manager in the Subprime Wholesale Mortgage industry, I've seen and deciphered many heinous credit reports, and have become very well versed in how the CRAs (credit reporting agencies) tick. Since I became overwhelmed with credit reports with mid scores under 500, I was forced to do 1 of 2 things...turn away these potential borrowers, or find a way to improve their fico scores above the magic 500 mark. I found myself acting as an "unpaid consultant" advising these potential borrowers on repair techniques that I used successfully to build their scores and thus qualify for a loan.

However, I had serious credit cleaning of my own that required attention. So, for a solid 4 month period I had committed to my own credit repair efforts. With the help of an attorney who happens to be a good friend;-) I stumbled on to a strategy No one was using. We were literally pioneers in this area!

Before I knew it, I had developed a proprietary technique that no one else was using to dramatically increase fico scores. This technique goes way beyond dispute letters and involves using the courts In Pro Per(without the services of an attorney) to force deletions that creditors and the CRAs MUST abide by.

I'll never forget the day I walked out of that courtroom with a signed court order demanding that 12 creditors immediately remove ALL derogatory information they had been reporting!!

From that day on I knew that all I had to do was apply the very same steps to ANY credit report for the same results. I am now currently advising several friends, acquentances, business associates, referrals, etc of how I used the court to DEMAND the removal of negative information, and to DEMAND that the FCRA will be followed and not violated for the ultimate goal of improving FICO scores and cleaning up credit reports.

I will be posting here to discuss this technique, and would also like to hear from those who have maybe attempted to use the courts themselves, successfully or unsuccessfully,to remove derogatory credit.