What's being said in your credit report and how is it holding you back?

This eFormKit explains in plain English how to decipher your credit report and repair any damaging information it might contain. It details when and how to obtain a copy of your report and when you are entitled to one for free. Let this kit walk you through the steps required to:

• dispute outdated, incorrect and misleading info in your file
• add information to your file that will help you get credit in the future

Download this eFormKit now and start finding out what your report is saying about you! (And avoid the shipping charges to boot.)

• Request for Credit Report
• Request Reinvestigation of Credit Report
• Request Follow-Up After Reinvestigation
• Request Removal of Inaccurate Information on Credit Report
• Request Removal with Creditor Verification
• Request Addition of Account Histories
• Request Addition of Information Showing Financial Stability

Operating system: Windows- and Macintosh-compatible. The computer you use to purchase an eFormKit must be the same computer you will download it to. (For example, don't purchase the eFormKit using your computer at work if you intend to download it later on to your home computer; instead, wait until you're on the computer you intend to download the eFormKit to and then make your purchase. After you've downloaded the file, you will be able to "transfer" it to another computer by copying it to external media or by email.) In addition, you will not be able to download this file if:

• cookies are disabled on your computer, or
• a firewall prevents you from downloading files from the Internet.

Software: Before you can use an eFormKit, additional software must be installed:
To expand the ZIP archive you download after making your purchase, you'll need:

• A decompression utility such as the following, both of which can be downloaded for free:

• 7-Zip (http://www.7-zip.org) (for Windows users).
• StuffIt Expander (http://my.smithmicro.com/mac/stuffit/expander.html) (for Macintosh). Please note: Many recently manufactured Macs have a native capability to decompress zip files. See your computer's user manual for verification of this and instructions for access.

To open and print an eFormKit, you need Adobe Acrobat Reader 5.0 or greater, or another program that "reads" PDF (portable document format) files. (Download Adobe Reader for free from http://www.adobe.com/products/acrobat/readstep2.html.)
To open, fill out and print word-processing forms included in an eFormKit, you need a word processor that "reads" RTF (rich text format) files:

• Windows XP & Vista both come with WordPad, an RTF-compatible word processor.
• Macintosh OS X comes with TextEdit, an RTF-compatible word processor; non-OS X users need Word 5.0 or greater, WordPerfect 2.1 or greater, or another RTF-compatible word processor.