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More Than Just Credit Repair - This Is "Credit Education" Learn how to quickly and effectively remove all negative items from your credit reports in as little as 30 days and how to add positive references. Learn how to use the credit reporting agencies Dispute Process to challenge negative items on your credit reports (includes complete Dispute Process instructions) and also how to use Section 609 of the FCRA (Fair Credit Reporting Act) to force the credit reporting agencies to remove unverifiable items from your reports (includes Section 609 dispute letters). Author Ron James has over 30 years experience as a "Credit Insider" and will explain in detail how the Credit Reporting Agencies work and "think." The best way to address your credit problems is by understanding how the credit reporting system works. Give yourself an advantage with the "insider information" in this book.