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
Suing Credit Bureaus - 7 Tips You
Should Know Before Going to Court

2. Before taking on the task of bringing a
lawsuit against the credit bureau or a
collection agency, there are many
things you should know to be
successful when you get your day in
court. In this article, I will discuss 7
tips you should be aware of before you
file a claim in small claims court.

3. Suing credit bureaus Tip 1
What you must show during the lawsuit?
You must show that you were harmed in some
way due to the bureau's willful non- compliance.
For example, if you were turned down for a
home loan, if your interest rates on your other
credit cards went up, or if you were denied a job
based on the negative marks in your report,
their refusal or negligence in cooperating to
remove the negative marks will have led to
harmful developments.

4. Tip 2
Try to settle first?
Sending a demand letter to the bureau and
trying to settle your claim before going to
court presents you in a very respectable
light before the judge. Allow the bureau 10
days to respond to your letter, and if there is
no response, file a copy of the letter and the
certified return receipt with the court as
proof that you tried to settle. In your letter,
you should ask for changes to your credit
report and for punitive damages for violating
the law.

5. Suing credit bureaus Tip 3
Look for cases to support your argument
You can either go to your public law library or
use online legal research databases like
westlaw or lexisnexis or versuslaw or
jurisearch. Once you are at your public law
library, ask the librarian for assistance on
researching cases similar to your argument. A
legal encyclopedia is the best place to start
your research because they are indexed,
organized, covers a broad spectrum of
problems, and a good source to see how cour ts
responded to cases like yours.

6. Tip 4
Prepare before filing the claim?
You should take a trip down to your small claims
cour t and sit in on a few cases just to see the
procedure. Take notes on how long it takes to
present each case, type of interaction with the
judge, the type of proof presented, even the
appropriate manner of dress for court.

7. Suing credit bureaus Tip 5
Filing the claim?
Every court has dif ferent procedures, so go
online to your small claims court and review
their filing instructions. There will be a fee,
which is based of f of the amount you are
suing for. This fee is due at the time of your
filing. You can pay by cash, credit, debit
card, money order, or cashier check. The
claim can be filed in person, or at the after
hour drop box or by mail, and all documents
should be typed or written clearly.

8. Tip 6
After the claim is filed?
After the claim is filed, you are assigned a
case number and a court date which will be
set out to be heard in 90 to 120 days from the
filing date.

9. Know the basis of the claim?
You should have the following elements covered
explicitly in your claim:
* Who is your defendant? (The credit bureau,
collection agency, or creditor?)
* Describe the circumstances. (What
happened?)
* What law was violated? (FCRA or the
FDCPA?)
* What is the value of your losses? (How much
money
did you lose?)
* How were you injured? (By not being able to
qualify
for a loan? Through increased credit card
interest

10. As you can see, you will have to do the
leg work if you decide to pursue legal
actions against the big bad agency.
Now that you are empowered with more
information, go out there, and take
action.

11. 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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