Thousands of hours and countless trial and errors went into the development of this personalized Tool-Kit so that you will never have to experience any of the headache and hassle that comes with the workload personal credit repair. The work has already been done for you; all you need to do is simply FILL IN THE BLANKS. Included with this Tool-Kit is 6 chapters of documentation to explain the credit repair process; a long list of dispute statements you can use to challenge to the credit bureau (essential for getting your point across and getting action). This Kit includes everything you'll need to perform effective credit correction repair. Also included in the Tool-Kit is 12 Pre-Written Dispute Letters specifically designed to help you maximize the effectiveness of getting negative entries removed from your credit report. The Ultimate Credit Education Tool-Kit will guide you through all the steps necessary to restore as much of your credit rating as possible, legally and with the least amount of your effort and cost.