The purpose CreditCheckMate5 (CCM), a software program, is to let you achieve and maintain complete control over the correctness of your credit profile that is collected and stored with the major Credit Agencies; Experian, TransUnion, and Equifax also called Credit Bureaus. The information that credit bureaus collect about you and provide to their business customers is your profile that the state and federal governments allows them to collect and maintain (the credit profiles) under very specific rules known as the Fair Credit Reporting Act (FCRA) and similar Public Laws in the State in which you reside. CCM is a credit repair software solution that does not require that you subscribe or enroll in a service. CCM is a credit profile error correction program which allows you to easily repair any errors contained on your Credit Report and in that way your Credit is made better or “repaired” which may also increase your Credit Score. CCM was designed for credit consumers to easily protect their credit identity from the harmful effects of poor record keeping and errors that are placed onto their credit profiles. CCM also includes credit scoring comparison and analysis reports that may give you a better understanding of how credit granters view your Credit Report and what factors affect your credit score.

Requirements

System Requirements:  Windows Vista/XP/98Me, Pentium  500 Mhz or faster, 128MB RAM,10MB of hard drive space , VGA screen with 16-bit color, Package Contents: Software, documentation

Getting Started

CCM is a user compatible program that interacts with you to provide a friendly session experience. Most users will not require any guidance to use CCM after they have entered their personal information. If you are comfortable with working with other Windows applications or programs then CCM will be very easy to use. Also CCM menus and screens handle your request with little as one click of your mouse and/or the Access keys. CCM Software Engine is a wizard based technology that will always have a solution to the tasks within the scope of the program.

         Animated Tool Bar | Append | Bureau Edit | Credit Score Report | Date Reported To Bureau 

Dates Report | Dispute Menu | Dispute Reason | Dispute Type | Edit Menu | Editing Your Personal Information | Entering Your Personal Information | Envelope | Envelope Print | Exit | Fed Letter | File Menu | First Time you Run CreditCheckMate | FollowUp Menu | FTC Site GetReport Menu | Help Menu | Installing CreditCheckMate 5 | Last Created Context Menu Mailing Instructions | Merchant’s Name | Minimize/Maximize the Ribbon | New Document   New User | Open | Print Preview   Ribbon user interface | Save | Score | Select Menu | Setup Page | ST Site | State Letter | Style Menu | TimesUp | Letter | Tools Menu |User Delete | User Edit
|Online Disputes|Spell Check|

 
Navigating the Ribbon user interface Access any command with a few keystrokes

Access keys provide a way to quickly use a command by pressing a few keys, no matter where you are in the program. Every command in CCM can be accessed by using an access key. You can get to most commands by using two to five keystrokes. To use an access key:

 1.   Press  ALT.

The KeyTips are displayed over each feature that is available in the current view.

2.   Press the letter shown in the KeyTip over the feature that you want to use.

3.   Depending on which letter you press, you may be shown additional KeyTips. For example, if the File tab is active and you     press F, the File tab is displayed, along with the KeyTips for the groups on that tab.

4.   Continue pressing letter until you press the letter of the command or control that you want to use. In some cases, you must first press the letter of the group that contains the command.

 Note    To cancel the action that you are taking and hide the KeyTips, press ALT.

The Ribbon user Interface is an optional feature you can just use the mouse instead.

Installing CreditCheckMate 5

Before you begin the installation make certain that you have write access privileges on your computer. If you don't have write access then you will get an "Access Denied" error message when you run CCM or Click on the CCM icon.

If you purchased CreditCheckMate 5 by download locate the file ccm5xx.exe on the path that you designated where the file was to be saved and click on that file. The ccm5xx.exe has xx to denote minor revisions the actual file name for example could be ccm501.exe.

If you purchased CreditCheckMate 5 on CD insert the CD in the drive. The installation should automatically begin. If install does not start then locate the file ccm5xx.exe on the CD and click on that file. The ccm5xx.exe has xx to denote minor revisions the actual file name for example could be ccm501.exe

The setup for CreditCheckMate5 will appear

Most users should click the No-Questions-Asked Installation. Continue by following the screens to complete the installation.

 First Time you Run CreditCheckMate 5

Select user 1 from the New User menu item.

Some names and references in this these examples are used for demonstration purposes and are fictitious.

Entering Your Personal Information

User Information

After you click on User 1 the User Information tabbed panels will display. Completing the User Information and the CCM Score Check List accurately gives the best results. Click Save to finish. If your personal information changes you can access these panels later by selecting the Tools User Edit Menu. Now you are ready to begin using all the features of CCM. Also if you have another user you can add that user as User 2 now or later. It is important to note that both users are kept separate by CCM but User 1 sponsors User 2 and deleting User 1 data (using Tools Delete menu item) will also delete User 2 data.

CreditCheckMate 5  Main Screen Features

When you click Save CCM initializes your data files and analyzes your input for your credit score. The main CCM screen shown here displays the File menu Tab. Inside the Text Editor we have displayed a welcome letter to you which will appear for only one more launch. On the bottom of CCM screen is called the Status Panel that contains information about eight items that are changed by you or CCM. The items you change are current User Name, and current Bureau. You make the User Name change through the Select menu and User button located on the Animated Toolbar  located above the Status Panel.  This will become clear once you have click those buttons. The Ln, Col, and Pg numbers are updated each time cursor/caret changes line/column/Page position in the Text Editor. Credit Score Indicator, Credit Score Number, Page Number, and Credit Score Rating will change when parameters effecting them change due to analysis by CCM. The  Spell Check indicator will be visible when the Spell Check Button  is clicked.

The Text Editor receives all information from the CCM letter and report creator which uses 12 point Courier New type font only in the display. All files created by the Text Editor are in richtext format (rtf) and may be edited by other word processors such as Microsoft’s Word. If you use another editor to edit documents created by CCM you should save them in the rtf format or to another name/folder.

CreditCheckMate 5

File Menu Tab

New User is described in the First Time you Run CreditCheckMate 5 which allows you to setup User 1 and User 2.

Open opens a document from a user selected folder/path for editing into CCM’s Text Editor.

Save saves a document in CCM’s Text Editor to a  folder/path selected by the user.

Setup Page margins are the blank space around the edges of the page. In general, you insert text and graphics in the printable area between the margins. Most printers require a minimum width for margin settings, because they can't print all the way to the edge of the page. CCM’s default page margins are set to 1 inch which should be appropriate for most printers but you can change the margins to suit the needs of your printer.

Print Preview previews a document in CCM’s Text Editor before printing.

Print prints a document in CCM’s Text Editor.

Envelope is described in the Printing Envelopes which addresses and prints envelopes for  the Credit Bureaus, State and Federal consumer protection agencies contained in CCM’s data base.

New Document  creates and initializes a new workspace in CCM’s Text Editor.

Spell Check compares the words you type against the dictionary of over 100,000 words and if the word does not match then it is highlighted for correction. To turn Off Spell Check Click the Spell Check Button.

Exit releases all resources used and closes CCM.

Animated Toolbar  

CCM contains a animated toolbar for 23 buttons of the most used menu items. Once you hover the mouse pointer over the animated toolbar the buttons will animate up, grow to a larger size, so you can easily see the button you are about to click and have larger area to click.

Minimize/Maximize the Ribbon

The Ribbon is designed to help you quickly find the commands that you need to complete a task. Commands are organized in logical groups that are collected together under tabs. Each tab relates to a type of activity, such as Disputing or Following up. To reduce screen clutter, some tabs are shown only when they are needed. You can quickly toggle from Minimum to Maximum Ribbon. Click the CCM button to minimize:

     Click the  CCM button to maximize:

Tip  To minimize or restore the Ribbon, press CTRL+F1. Or use the access keys ALT + R.  If you prefer to use the keyboard instead of the mouse use the  keyboard shortcuts that enable you to quickly perform tasks without reaching for the mouse.

Edit Menu Tab

Every document that is created by CCM is sent to the Text Editor except the CCM Score Report which is sent to print preview. Documents in the Text Editor may use the features of the Edit Menu items which are all clipboard operations that follow Microsoft’s Windows applications that allow the same features. For example if you familiar with Copy and Paste feature of Word you can apply the same understanding to that of CCM’s Text Editor. To use an Edit Menu feature you first select or highlight the text by clicking and holding the mouse pointer at start of text position then holding the left mouse button down and then drag  mouse to the end of the text you want to select then release mouse. Click the button of the Edit Menu feature you want to use.

CCM’s Text Editor provides moderate word processing features that enable you to edit all documents created by CCM for the Text Editor and they are created in richtext format (rtf) which is compatible with most full featured word processors.

Tip the Font buttons toggle (on/off) the text effects

After you have clicked the selected (highlighted) text feature; to change back to regular text you click that button again. Example this is italic but now I want regular font.

Select Menu Tab

CCM considers all operations as User and Credit Bureau aware relationships. The Bureaus contain different credit profiles on you so when working with your credit report CCM verifies the current User and the current Credit Bureau.

The Select Menu highlights The current User and Credit Bureau. To Change to a different User/Bureau click on that User/Bureau or you can use the access key press ALT + S and then the key for the User/Bureau you want to make current.

GetReport Menu Tab

GetReport is a credit report request wizard that automates getting your credit report from the credit bureaus. The two ways that you request your credit report are free and paid. Most users will qualify for a free report but in subsequent credit report request may be paid request. You may select your free or paid request from one or all three Credit Bureaus of Experian, TransUnion and Equifax by clicking on the report(s) you want.

In this example the Free All button is clicked (instead you could use the access keys ALT + G + A) and the following Request Credit Profile menu is displayed.

The Request Credit Profile has six radio buttons for choosing the way that you are entitled to free credit report. In this example the “I have not received a Credit Report within the past 12 months” is ticked and the Paper or On-Line selection menu is displayed which has information to help you make your selection. If you choose On-Line CCM will provide the link to AnnualCreditReport.com to click. If you choose Paper CCM create a free credit report request letters for Experian, TransUnion and Equifax.

Clicking on the Paper button will send the request letters to CCM’s Text Editor. Next click the Print Preview in the Animated Toolbar which will display the Print Preview Dialog showing the request letters for Experian, TransUnion and Equifax. You can print from the Print Preview Dialog or exit Print Preview Dialog and Edit/Print from CCM’s Text Editor.

CCM saves most Created Documents in ccmreports/createsusr1 and ccmreports/createsusr2 folders. CCM saves these Created Document for the last report created. This is not the same as saving your edited document to a file. To save your edited documents to a folder use the Save button.

Envelope Print

The Envelope Print feature will print envelope for Experian, TransUnion, Equifax, Consumer Protection Agencies in all 50 States and The Federal Trade Commission on #10 size envelope in your attached printer. On the File menu Click the Envelope button.

The Print #10 Envelope menu will display. Before you print check with your attached printer’s documentation on how to load envelopes. Next select the orientation; portrait or landscape by ticking the radio button. In this example Portrait and Experian have been selected. The envelope to be printed is displayed. Click Print or Cancel.

Dispute Menu Tab

The Dispute Menu Items contain all derogatory categories that appear on credit bureau reports. CCM wizard based dispute module lets you properly request verification of an item’s accuracy, validity and to request removal of item due to validity or errors. You will need at least one current credit report from Experian, TransUnion or Equifax, however, the credit profiles from different credit bureaus may not be the same and therefore you should obtain a credit report from each bureau.

In this example click on the Late Payment button. The Dispute Item for [Equifax Letter] menu will display. Note that this dispute item is for the Equifax Letter because Equifax is the current Bureau selected and it will be for the current user.

Complete the Disputed Item menu items from your Credit Report

Dispute Type is a item from the drop down selection box. This has already been selected from the Dispute Tab.

Date Reported To Bureau is the date item was report to bureau. If date is not complete use the closest date. Example if date is 4/2005 use 4/1/2005.

Account No. is Account or Reference number.

Merchant’s Name is the Merchant’s name or Source for Example Los Angeles Court.

Dispute Reason is inserted but you can type a different reason.

Click the Add To Letter.  The Late Payment Dialog Box will display to add another example item click the Yes button.

Continue adding dispute items until there are no more items to dispute from your credit report. Each time you add an item the Dispute Item menu will display with a drop down selection box.

Click on the Build Letter to create the dispute letter and send to CCM’s Text Editor for Edit/Print.

Online Disputes

You can also dispute errors on your Credit Report Online. Click the Online Button and the Dispute Items Online Panel will display.

FollowUp Menu Tab

When you dispute an item on your credit report CCM keeps a record. The record of this disputed item(s) is shared with the FollowUp module. There are six button features of  FollowUp that help you remove errors and improve your credit profiles.

Dates button creates a Dates Report based on 30 days after you have disputed and mailed your dispute letter to the Credit Bureau.

TimesUp button creates a expiry letter to the Credit Bureau based on the Date Report.

Append button creates a Credit Bureau letter to add a statement to the disputed item(s) on your Credit Report.

State Letter button creates a letter template addressed to your State’s Consumer Protection agency.

Fed Letter button creates a letter template addressed to the Federal Trade Commission.

FTC Site button links to the Federal Trade Commission Consumer Protection web site.

ST Site button links to your State’s Consumer Protection web site.

Dates Report. Click the Dates button and CCM send the Dates Report to the Text Editor for Edit/Print.

Last Created Context Menu

To activate the Last Created Context Menu put the mouse pointer into CCM’s Text Editor and right click. The created letters will show enabled as well as not enabled items. Items are enabled when they are created. Clicking on an enabled item in the menu will load that letter into the Text Editor.

TimesUp Letter Click the TimesUp button and CCM send the TimesUp letter to the Text Editor for Edit/Print. Click the Print Preview button on the Animated Toolbar if desired.

Append Button lets you add a statement to the disputed item(s). Up to 100 words may be added for each item disputed in your credit profile and must be included on all subsequent credit reports. This is where you give a reason (get to tell your side or explain it away) for the disputed item. Click the Append button will display the Append To Dispute Item Letter menu. Click on the drop down selection box and choose a item that you want to add a statement to. The selections in the drop down box are examples from the disputed items.

Continue adding dispute items for each item you want a statement added. Click Build Letter. The Add Statement Letter is sent to the Text Editor for Edit/Print

State Letter Button will create a letter template addressed to your State’s Consumer Protection agency to CCM’s Text Editor.

Fed Letter Button will create a letter template addressed to Federal Trade Commission to CCM’s Text Editor.

FTC Site Button links to the Federal Trade Commission Consumer Protection web site.

ST Site button links to your State’s Consumer Protection web site.

Tools Menu Tab

The Tools Menu features contains the CCM Scoring, User Edit, User Data delete, and Bureau Edit modules.

Score Button sends a CCM Score Report to Print Preview.

User Edit Button lets you change your personal information.

User Delete Button initializes User 1 and User 2 data files and is a new start action.

Bureau Edit Button lets you change the Credit Bureaus addresses.

Compare Button send the CCM Comparison Report to Print Preview.

Click on the Score button and CCM sends the Credit Score Report to Print Preview.

Click on the  button and CCM sends the  Credit Score Comparison Report to Print Preview.

Editing Your Personal Information

After you click on Edit User button the User Information and CCM Score Check List Tabbed Panels will display. Your saved information will be retrieved from the data file. Change the information in the text and check boxes and click Save to finish.

User Delete Button displays the Delete User 1 & User 2 message box. Click the Yes button if you want to initialize new data files to start a new credit clearing campaign.

Bureau Edit Button lets you change the Bureau’s address.

Select the Bureau Name; example select Equifax from the drop down box. The default information is displayed for Experian, TransUnion and Equifax. You can change the displayed values for them except the Bureau Name. Verify that the changes that you entered are correct because this information will appear on all of your letters and envelopes. Click the Save button to finish.

Help Menu Tab

Click Help menu tab displays. Click the Mailing Instructions button.

The Mailing Instructions provides you with information and the basic requirements when mailing your request letters to the Credit Bureaus. Click on the Mailing Instructions button and CCM sends the mailing instructions to the Text Editor for Edit/Print.

Style Menu

Click on the Style drop down menu to change CCM’s skin Office 2007 Style color.