Section 609 Credit Repair Sample Letters

But consider this I hope you have success with the free sample credit dispute letters below. That said, you also want to make sure you have all of the background and supporting information included to support and reinforce your dispute.

Usually, this will be the complaint department. When writing https://creditrepair.pics/credit-repair-fort-worth.html dispute letter, it is important to include all relevant information, as well as several key elements, in order to create an effective, section 609 credit repair sample letters, impactful letter.

Following the Section Credit Repair strategy has made a difference for many people. Required fields are read article. This is a great piece of the puzzle to keep in mind and something you should consider including in your letter.

Once the credit reporting agency has completed the investigation process, it is required to provide you with written results within five business days. As per sectionI am entitled to see the source of the information, which is the original contract that contains my signature.

A strong letter will not only make a good case for you, it will also hit the points you want to emphasize and tie it all back to the specific pieces of Section of the FCRA that you want to highlight. One popular online theory suggests that credit dispute letters could be the answer to your credit problems.

If you have physical copies, keep them in a folder in a safe place. BoxAllen, TX The dispute and investigation process cannot take more than 30 to 45 days, and most investigations are completed within a few weeks. A dispute essentially lets you challenge the accuracy of any information on your credit reports please click for source you believe to be incorrect or questionable. Relevant documentation.

There are other ways to dispute inaccuracies and remove negative items than sending a letter. By Mark Huntley, J. I have also included a copy of visit web page credit report with the account I am requesting to have verified circled and highlighted. The downside is that if the furnisher does successfully verify its accuracy, the information can be added back to your file, section 609 credit repair sample letters.

Your email address will not be published. The keys to an effective dispute letter are specificity, attention to detail, and accuracy. Feel free to copy and paste them or download them. This may include the following:. In those cases, you should file a formal dispute. All it takes is some time and a simple letter, and your ability to live free from the burden of bad credit is well on its way. If you determine there is information appearing on your credit report or reports that is legitimately incorrect or that you believe can no longer be verified by the source of the information, the law protects you.

Keep electronic copies in a designated folder on your computer, and back them up to external storage or a cloud drive. Things to remember. For each credit bureau that you contact, include proof of your identity with your letter. You have the right to expect accurate, error-free credit reports. Using a polite but firm tone is also important. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Then mail that form to Experian at P.

Want to dive deeper? Credit reporting errors should never be ignored, but what exactly can or should you do when mistakes happen? Credit Repair Statistics. Make sure that you address the letter to the correct department. Not in the slightest. Best Credit Repair Companies. How the credit bureaus handle disputes. Each bureau now additionally accepts disputes submitted online. The style of your letter doesn't change that fact. Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution.

Regardless of the actual number, the fact remains that when credit report errors occur they can be a big deal. You can also get a free credit report from Experian every 30 days. You have the right to a free copy of your credit reports once every 12 months from AnnualCreditReport. If the information is true and correct, chances are that it will remain on your credit report.

The checklist below outlines the key elements to keep in mind as you write your letter, including basic information, section 609 credit repair sample letters, references to the FCRA, wording, and more. According to a study completed by the Federal Trade Commissionas many as one in five consumers may have mistakes on their credit reports. Section of the FCRA contains one other key element that gives you a good shot at winning your dispute: all disputes must be addressed within 30 days, or all disputed information must be deleted from the files.

Specifically, if your Experian credit report contains any errors, you can file your dispute onlinevia good old-fashioned U. This period is extended to 45 days if more information is found that could lead to a re-investigation. People report that their disputed accounts or negative items on their credit scores have been deleted, and their credit scores have improved greatly.

To dispute an item on your Experian credit report by mail, print and fill out the online dispute formwhich asks for information to verify your identity and allows you to note the specific items you're disputing and why you think they are incorrect. However, you can write to the credit bureau and request disclosure of information under section of the Fair Credit Reporting Act. Include proof of identity. Credit Card Insider and CardRatings may receive a commission from card issuers. I am exercising my right under the Fair Credit Reporting Act, Sectionto request information regarding an item that is listed on my consumer credit report.

The importance of your dispute letter timeline. Does anyone really care that not every single piece of every single credit file has been verified by numerous sources? How to Correctly Dispute Errors on Your Credit Report There are better ways to dispute your credit reports than buying dispute letter templates, and the process is actually very easy.

Submitting your dispute by mail. A credit dispute is a right that you are afforded under the FCRA. You may change them or use them exactly how they are written. If the dispute is valid, the credit bureaus will remove the negative item. Free Section Credit Dispute Letters. For more information from the credit bureaus themselves on how they handle disputes, you can check out the links below.

If you don't have serious time to devote to your dispute letters, we recommend you hire the pros to help. First, get copies of your credit reports so you can review them for errors. Always, always include proof of your identity with every bit of correspondence you send. Credit Repair FAQs. A list of these issuers can be found on our Editorial Guidelines. As you repair your credit you will also want to start to take steps to add positive history to your file.

Additionally, I have highlighted these items on the attached copy of the credit report I received. When you review your credit report, be sure to check every single detail very carefully because if it is wrong, that can be grounds for you to dispute the record and have it removed.

See Attached: [List attached documents here. The FCRA, however, entitles us to all of the information the credit reporting agencies have in their systems—not information they do not have in their systems. The style of your letter doesn't change that fact. Several quotes are See Attached: [List attached documentation here. You have the right to a free copy of your credit reports once every 12 months from AnnualCreditReport.

These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. It's quick, easy, section 609 credit repair sample letters, and free. Make sure you include as many details as possible, such as account numbers, dates, and explanations. You might decide to choose one complete template to follow, or create your own combination of the three depending on how you would like to approach your letter.

Responses have not been reviewed, approved or otherwise endorsed by bank advertisers, section 609 credit repair sample letters. These are [incorrect, inaccurate, unverified] due to the lack of validation by numerous parties that is required by Section I have attached copies of relevant documentation. Click below for our top rated companies. You can also get a free credit report from Experian every 30 days. As mentioned section 609 credit repair sample letters, the disputed information must be removed from your credit report if the agency does not respond within 30 days, or 45 days if information that could warrant a re-investigation is found.

The first three letters are simply variations of the same basic idea, with slight differences in verbiage and tactic. You can also pay a reputable credit repair repair your credit to do the work for you, if you prefer.

You have the right to handle credit disputes by yourself. The items I wish to dispute are as follows: [Include as many relevant items as you have, up to 20, including the account name and number as listed on your credit report. The method of delivery is largely irrelevant when it comes to your rights for an accurate credit report.

Businesses that have made soft inquiries within the past year. Each of the following templates is independent of one another, with the exception of Template 4, which is a general follow-up to any of the first three letters. Learn More Get Started Online. For example, if you have an account listed as being late, print out all recent statements and records of payment. Get a free consultation with the pros! I am writing to exercise my right to dispute the following items on my file.

Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Illustrate your case. Be sure to check and double-check the following. Credit Repair.

If they're not perfect, your letter will not work! And frankly, you could submit your credit report dispute on the back of a beverage napkin and if it's valid, then the information must be corrected or removed. Each prospective employer that has accessed your credit report within the past two years unless it was to complete an investigation.

When drafting a dispute something credit repair tampa bay excellent, always be sure to include as much information as possible, and keep all correspondence you receive through mail or email, in order to maintain thorough and accurate records.

A paralegal is open to review your FREE credit report summary. As you repair your credit you will also want to start to take steps to add positive history to your file. Upon review of my credit report, I have found that there are several inaccurate and unverified items. The source of that information. I have made note of these items on the attached copy credit repair reynolds reviews ray the report I have received from your agency.

You will also find attached copies of documents that prove my identity, birth date, SSN, and address. Here are some key points to remember. With careful attention to detail, you should end up with a letter that is direct, convincing, read again effective. So you may want to speak to the pros for a free consultation before you try this on your own.

Credit Repair Survey Oct ' Please see Mark's article on how Equifax lowered his credit score by 72 points when he sent his dispute letters. Conversely, if the information on your credit reports is accurate and verifiable, then chances are it's going to remain on your credit reports. It can also happen when they check their credit report and find accounts they don't recognize. How to Correctly Dispute Errors on Your Credit Report There are better section 609 credit repair sample letters to dispute your credit reports than buying dispute letter templates, and the process is actually very easy.

It quickly increased points. You can pittsburgh credit repair disputes with the companies who created your credit reports in the first place Equifax, TransUnion, and Experian.

Use these templates as a helpful guide to composing and organizing your dispute. First, get copies of your credit reports so you can review them for errors. When in doubt, include documentation. Get a free consultation with a credit repair expert to see how much they can help your credit score. Name Address Phone Number Account if available. Contact us here. Make sure you note which sub-section you are quoting from. This will show that you did your homework and are taking it seriously.

If you fail to offer a response, all disputed information must be deleted. The practical impact of a dispute letter is it causes the credit reporting agency to investigate and correct any alleged error. Do you have a correction, tip, or suggestion for a new post?

I request that all future correspondence be done through the mail or email. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. Credit Repair companies are much more effective at having bad credit records removed and once you dispute the account it is much harder to dispute it again if your efforts fail. The Dispute Letter theory is if you ask the credit bureaus for information they clearly cannot produce as part of your dispute letter, like the original signed copies of your credit applications or the cashed checks used for bill payment, then they would have to remove the disputed item because it's unverifiable.

I would appreciate your assistance in investigating this matter within the next 30 days. While there is plenty of information online about Dispute Letters, there is no evidence suggesting any specific letter template is more effective than another. Your disputes can be initiated online credit bureaus onlyover the phone, or using old fashioned snail mail. Our reviews Free credit report consultation. The responses below are not provided or commissioned by bank advertisers.

What Is Section ? You can send disputes to your creditors like credit card issuers or debt collectors directly. Want a second opinion?

excellent reddibuy credit repair phone number phrase Do you want something removed from your report?

So you may want to speak to the pros for a free consultation before you try this on your own. Boosting your credit utilization. I thank you in advance for your prompt response and resolution of this issue. Make sure you specifically state what you want from the credit company.

Want to dive deeper? What is a credit report? Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution.

As you repair your credit you will also want to start to take steps to add positive history to your file. Credit Card Insider and CardRatings may receive a commission from card issuers. Building Credit Managing credit cards Fes credit repair the credit score range.

Understanding Credit What are credit bureaus? A dispute essentially lets you challenge the accuracy of any information on your credit reports which you believe to be incorrect or questionable. Credit Repair Survey Oct ' Please see Mark's article on how Equifax lowered his credit score by section 609 credit repair sample letters points when he sent his dispute letters.

Any further comments or questions can be directed to my legal representative, [insert name], who can be reached at [insert phone number]. Click below for our top rated companies.

If you're looking for dispute letter templates, there's likely a reason. See Attached: [List all attached documentation here, including copies of your credit report, proof of identity, proof of current mailing address, learn more here. Do you simply want clarification?

A mention of Section and the exact portion you are referencing — each portion is denoted with some combination of an uppercase letter, a lowercase letter, a number, or a roman numeral. Section refers to a section of the Fair Credit Reporting Act FCRA that addresses your rights to request copies of your own credit reports and associated information that appears on your credit reports.

Sectionoddly enough, doesn't have anything to do with your right to dispute information on your credit reports or a credit reporting agency's obligations to perform investigations into your disputes. Normally consumers send dispute letters to the main credit reporting agencies Experian, TransUnion and Equifax because they believe something on their credit report is incorrect. This letter is to notify you that you have not responded to my initial letter, dated [insert date].

Credit Repair companies are much more effective at having bad credit records removed and once you dispute the account it is much harder to dispute it again if your efforts fail. The practical impact of a dispute letter is it causes the credit reporting agency to investigate and correct any alleged error. If you don't have serious time to devote to your dispute letters, we recommend you hire the pros to help.

The FCRA does, in fact, include a considerable amount of language memorializing your rights to dispute the information found in your credit reports. Want a second opinion?

A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to consumers under this section. It quickly increased points. Is a Dispute Letter Effective? It can also happen when they check their credit report and find accounts they don't section 609 credit repair sample letters. Credit reporting errors should never be ignored, but what exactly can or should you do when mistakes happen?

Include disputed account names and numbers as listed on your credit report. Your Rights as Stated in Section The FCRA as a whole focuses on your rights as a consumer, from having the right to know what is in your file, to have the right to ask for your own credit score.

Best Credit Repair Companies. Credit Repair. Get a free consultation with the pros! My name is [Your name], and I reached out to you several weeks ago regarding my credit report. This can happen if they've applied for a loan or other form of credit and the lender has informed them that they were denied because of information on their credit report. Keep the following points in mind, too: Again: reference Section What to Include in Your Dispute Letter When writing your dispute letter, it is important to include all relevant information, as well as several key elements, in order to create an effective, impactful letter.

A statement explaining that all issues outlined in your dispute must be addressed within 30 days this is crucial for taking advantage of the loophole for the timeline of disputes. But it's in section of the statute, rather than in section Thanks to sectionwe all enjoy the right to dispute information we believe to be incorrect or unverifiable.

You have the right to expect accurate, error-free credit reports. One popular online theory suggests that credit dispute letters could be the answer to your credit problems. What is a credit score? Get a free consultation with a credit repair expert to see how much they can help your credit score. I have restated the terms of my dispute below for your active quest credit. According to a study completed by the Federal Trade Commissionas many as one in five consumers may have mistakes on their credit reports.

Your full name, contact information, and account information if available. Sincerely, [Your signature] [Your name] See Attached: [List each piece of attached documentation here. Our reviews Free credit report consultation. A list of these issuers can be found on our Editorial Guidelines. A copy of your credit score with relevant items highlighted Specific references, statements, and wording.

A strong letter will get you noticed; a weak letter will get you a form response, at best. Thank you for your prompt attention to this matter. Sincerely, [Your signature] [Your name] See attached: [List attached documentation here. A call to action — in other words, section 609 credit repair sample letters, language that describes what you want to happen next.

And if the disputed information cannot be verified or confirmed, then it must be removed. Our Services How it works? A credit dispute is a right that you are afforded under the FCRA. Unfortunately, you'd be wasting your money on letter templates because there's no evidence suggesting they are any more effective than other credit reporting dispute letter templates.

As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. Other things to note: Get it proofread and fact-checked. Steven Millstein. Contact information for a legal representative, if you have one Relevant documentation. Basic information. What you need to know about loans. It's quick, easy, and free. Sincerely, [Your signature] [Your name] See Attached: [List all attached documentation here, including copies of your credit report, proof of identity, proof of current mailing address, etc.

Regardless of the actual number, the fact remains that when credit report errors occur they can be a big deal.

Free section credit dispute letter template. Free credit dispute letter templates. If the dispute is valid, the credit bureaus will remove the negative item. With each letter, make sure you include your required documentation, especially proof of your identity and address.

Pay attention to spelling and grammar, too, as you want to be as clear and concise as possible. A credit dispute is a right that you are afforded under the FCRA. A dispute essentially lets you challenge the accuracy of any information on your credit reports which you believe to be incorrect or questionable. Keep in mind that you may have to send multiple letters before you get any results.

The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Some may not see improved scores or approval odds. All of these free sample template pdf letters work great. If you write one that has success, please email it to us, and we may add it to our list.

It is recommended that you upgrade to the most recent browser version. Thank you! The next blog post will tell you how. Other product and company names mentioned herein are the property of their respective owners. If you receive no response, a template is included below to help you draft an effective follow-up letter. Click on any one of them to open the PDF file, although we do ask for an email. Results may vary. Name Address Phone Number Account if available. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

I am exercising my right under the Fair Credit Reporting Act, Sectionto please click for source information regarding an item that is listed on my consumer credit report.

Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost. A list of these issuers can be found on our Editorial Guidelines. Things to remember. By John Ulzheimer. Other things to note:. If the information is true and correct, chances are that it will remain on your credit report. One popular online theory suggests that credit dispute letters could be the answer to your credit problems. Make sure you include as many details as possible, such as account numbers, dates, and explanations.

Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. An angry letter that includes name-calling and exclamations will most certainly not be taken seriously. Advertiser Disclosure. You have the right to expect accurate, error-free credit reports. The first three letters are simply variations of the same basic idea, with slight differences in verbiage and tactic. Experian does not support Internet Explorer visit web page If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks.

Be thorough. Be persistent. Under the rights afforded to you by the FCRA, a letter may help you remove erroneous or unsubstantiated information in your credit report.

Using a polite but firm tone is also important. When in doubt, include documentation. With careful attention to detail, you should end up with a letter that is direct, convincing, and effective.

Credit dispute letter template pdf. Just like Rochelle did here:. According to a study completed by the Federal Trade Commissionas many as one in five consumers may have mistakes on their credit reports. I was too! Credit Card Insider and CardRatings may receive a commission from card issuers. If you have plenty of time to send your own dispute letters, this page contains everything you need to do before sending a credit dispute letter, where to send it, and what to include in it.

Credit reporting errors should never be ignored, but what exactly can or should you do when mistakes happen? Credit dispute letter sample. Want to dive deeper? Credit radio commercial help you take control of your credit. The following are examples of letters you can send to credit reporting agencies and bureaus to dispute any negative items or debt on your reports.

Get it proofread and fact-checked. As per sectionI am entitled to see the source of the information, which is the original contract that contains my signature. The keys to an effective dispute letter are specificity, attention to detail, and accuracy. All of them reference Section of the FCRA, but they can all be tailored to fit your unique situation.

Each of the following templates is independent of one another, with the exception of Template 4, which is a general follow-up to any of the first three letters. Use these templates as a helpful guide to composing and organizing your dispute. Learn more. This will show that you did your homework and are taking it seriously. Consultation is quick, easy, and free. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

However, you can write to the credit bureau and request disclosure of information under section of the Fair Credit Reporting Act. Regardless of the actual number, the fact remains that when credit report errors occur they can be a big deal.

There are still actions you can take to improve your credit and improve your life. Credit dispute letter template. When drafting a dispute letter, always be sure to include as much information as possible, and keep all correspondence you receive through mail or email, in order to maintain thorough and accurate records.

You might decide to choose one complete template to follow, or create your own combination of the three depending on how you would like to approach your letter. For example, if you have an account listed as being late, print out all recent statements and records of payment.

As mentioned earlier, the disputed information must be removed from your credit report if the agency does not respond within 30 days, or 45 days if information that could warrant a re-investigation is found. Illustrate your case. Licenses and Disclosures. The downside is that if the furnisher visit web page successfully verify its accuracy, the information can be added back to your file.

All of them reference Section of the FCRA, but they can all be tailored to fit your unique situation. These are just the highlights commonly used in the credit repair strategy.

What Section does cover, however, is your section 609 credit repair sample letters to request further information about items on your credit reports. The FCRA gives you the right to dispute information. Of course Section goes on to cover disclosures and about ten pages worth of other requirements and instructions for the credit reporting agencies to follow.

By Mark Huntley, J. Low Credit Score? Make sure you include as many details as possible, such as account numbers, dates, and explanations. With careful attention to detail, you should end up with a letter that is direct, convincing, and effective. Our 1 Credit Repair Company. You might decide to choose one complete template to follow, or create your own combination of the three depending on how you would like to approach your letter.

As per sectionI am entitled to see the source of the information, which is the original contract that contains my signature. I have made note of these items on the attached copy of the report I have received from your agency.

And if the disputed information cannot be verified or confirmed, then it must be removed. The first three letters are simply variations of the same basic idea, section 609 credit repair sample letters, with slight differences in verbiage and tactic. Illustrate your case. For example, if you have an account listed as being late, print out all recent statements and records of payment. See Attached: [List attached documents here. Essentially a letter is the same thing as a debt validation letter, only based upon a specific section of the FCRA.

Under the rights afforded to you by the FCRA, a letter may help you remove erroneous or unsubstantiated information in your credit report. With each letter, make sure you include your required documentation, especially proof of your identity and address. But it's in section of the statute, rather than in section Thanks to sectionwe all enjoy the right to dispute information we believe to be incorrect or unverifiable.

I am exercising my right under the Fair Credit Reporting Act, Sectionto request information regarding an item that is listed on my consumer credit report. I request that all future correspondence be done through the mail or email.

The next blog post will section 609 credit repair sample letters you how. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter.

Each of the following templates is independent of one another, with the exception of Template 4, which is a general follow-up to any of the first three letters. Something to keep in mind is that the credit bureaus keep good track of your disputes. You should send letters by certified mail return receipt requested so you can track them, ensure they arrive, and time the response.

Best Credit Repair Companies of Most include a Free Consultation. Looking for an actual sample letter? There are still actions you can take to improve your credit and improve your life. However, other times you can send a dispute letter or otherwise and the item in question will be verified, so it will stay on your reports. This can happen if they've applied for a loan or other form of credit and the lender has informed them that they were denied because of information on their credit report.

The FCRA does, in fact, include a considerable amount of language memorializing your rights to dispute the information found in your credit reports. If you fail to offer a response, all disputed information must be deleted. Feel free to copy and paste them or download them. Name Address Phone Number Account if available. You may change them or use them exactly how they are written. Use these templates as a helpful guide to composing and organizing your dispute.

I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. Insider Tips To Help In Your Dispute All section credit dispute letters should be sent certified mail to the credit bureau, creditor, or collection agency.

This is true whether you opt to send credit repair letters you create yourself, purchase a template, or hire a pro to do the work for you. Section refers to a section of the Fair Credit Reporting Act FCRA that addresses your rights to request copies of your own credit reports and repair solutions information that appears on your credit reports. Keep in mind that you may have to send multiple letters before you get any results.

Is a Dispute Letter Effective? If the information is true and correct, chances are that it will remain on your credit report. But consider this I hope you have success with the free sample credit dispute letters below. However, you can write to the credit bureau and request disclosure of information under section of the Fair Credit Reporting Act. As mentioned earlier, the disputed information must be removed from your credit report if the agency does not respond within 30 days, or 45 days if information that could warrant a re-investigation is found.

This will show that https://creditrepair.pics/genesis-credit-repair.html did your homework and are taking it seriously. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Be persistent. I am writing to exercise my right to dispute the following items on my file. The Dispute Letter theory is if you ask the credit bureaus for information they clearly cannot produce as part of your dispute letter, like the original signed copies of your credit applications or the cashed checks used for bill payment, then they would have to remove the disputed item because it's unverifiable. Be thorough. It section 609 credit repair sample letters also happen when they check their credit report and find accounts they don't recognize.

Sectionoddly enough, doesn't have anything to do with your right to dispute information on your credit reports or a credit reporting agency's obligations to perform investigations into your disputes.

Free Section Credit Dispute Letters. Additionally, I have highlighted these items on the attached copy of the credit report I received. If you receive no response, a template is included below to help you draft an effective follow-up letter.

Free Consultation. If you're looking for dispute letter templates, there's likely a reason. Equifax Dispute Address. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. When in doubt, include documentation. The theory behind the letter is that asking your creditors to produce hard-to-find information—such as the original signed copy of your credit application—would make it difficult to verify a disputed item.

The practical impact of a dispute letter is it causes the credit reporting agency to investigate and correct any alleged error. When drafting a dispute letter, always be sure to include as much information as possible, and keep all correspondence you receive through mail or email, in order to maintain thorough and accurate records. The following are examples of letters you can send to credit reporting agencies and bureaus to dispute any negative items or debt on your reports.

The downside is that if the furnisher does successfully verify its accuracy, the information can be added back to your file.

Normally consumers send dispute letters to the main credit reporting agencies Experian, TransUnion and Equifax because they believe something on their credit report is incorrect.

div class="container">
Click for The Best Credit Repair Service. Initial Advice Free!