A Fair Guide to Credit Repair by Mark Lyvers Takes the guesswork out of Credit Repair in 2020 and beyond. Covering the 609 Loophole, how to add positive credit to credit reports, how to remove negative credit and how to add notes on your own credit history. This guide is more like a kit, a kit to credit repair with tips and guidelines to help you. Including all the letter templates needed without paying extra for them or having to go to a website to download them.