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MEMBERSHIP
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(6) https://www.creditadmiral.com/
WHAT DO I
BRING TO THE
PARTY?FIRST OFF , I
IMMEDIATELY KICK IN ON YOUR
PERSONAL CREDIT. THAT INCLUDES
HAVING YOU TALK DIRECTLY WITH
NOT ME BUT MATT MCCOY, THE
PRESIDENT OF THE NATIONAL BOARD
OF CREDIT EDUCATION AKA NBOCE
AND ALSO AN AFFLIATE CREDIT
REPAIR COMANY I WORK WITH HAND
AND HAND. WITH HIM, FOR ONE
COMPLETE YEAR, ON MY DOLLAR I
WILL PAY FOR HIM AND I TO DOUBLE
SIDE YOUR PERSONAL CREDIT, AND
WITHIN THE FIRST 21-30 DAYS AT THE
LATEST YOU WILL ALMOST CERTAINLY
(BY LAW CAN NOT GUARANTEE OR
ELSE I WOULD) SEE AT LEAST A 100150 POINT INCREASE IN YOUR TRUE
CREDIT SCORES, IF YOU SIMPLY
FOLLOW THE SIMPLE STEPS
CreditRepairSuperGURU
Business Funding &
Consulting, LLC.
CreditRepairChampionRAPID-RESCORING offers many types of packages to
meet your needs.
If you don't see a package that works for you please contact us.We WILL
MAKE A CUSTIMIZED PLAN FOR YOUR NEEDS AND ABILITY!
Our goal is to help you and we can come up with a financial solution that
works for your specific needs YET at a cost that does not sink us either. If you
are a professional broker, auto sales, jeweler, banker, or own your own credit
repair business even WE ARE A NO BRAINER------LITERALLY YOU CAN COLLECT
CreditRepairChampionRAPID-RESCORING SYSTEM'S
INQUIRY REMOVAL EZ1A PACKAGE:
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We Are Rated #1 In Achieving Credit Score Increases For the last 11 YEARS
CONSECUTIVE we have been rated #1 in over-all MULTI-NATIONAL credit
score increases IN NOT JUST PERSONAL CREDIT SCORES BUT ALSO BUSINESS
CREDIT SCORES (25 YEARS CONSECUTIVE IN BUSINESS CREDIT) . We pride
ourselves in personal attention and customer service. We customize each
repair in order to achieve maximum results. What separates us from our
Competition is that we address and repair all five factors that affect your
credit scores. Please review the pie chart below to see how your credit scores
are made up.
OUR PROCESS
We use a proprietary 5-Step Credit Repair Program
A 5 Step Credit Repair Program has proven 5 times more effective, yielding
the greatest increase in your credit scores, in the shortest amount of time.
FICO designed Credit Scores based on 5 very different fundamental factors.
Knowing this, we've engineered a 5 Step Credit Repair Program that
successfully repairs and improves all 5 of those factors
WHO WE WORK WITH
We Truly Care
We genuinely care about your credit and your experience, and it shows. Our
first-time customers continually become our long term customers time and
time again, choosing us for all their credit needs.
Our Promise to You
We promise to always provide value and outstanding service, regardless of
your situation.
General Consumers
Maybe you're trying to buy a house, a new car, building a business or simply
staying on top of your finances. We can help.
Fraud and Identity Theft Victims
If you have been the victim of fraud or have fraudulent items on your credit
report we can help. Give us a call for guidance and support.
Loan Officers
Tired of losing 75% of your leads because your client can't qualify. Call us
directly or have your client call us. We can get those missed opportunities
back in your pipeline.
Corporate Accounts and Financial Advisors
We manage credit for many executives individually and have corporate
accounts where we manage employees credit profile. Give us a call today to
discuss your needs.
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Please complete this form and one of our SUPER GURU Credit Experts will
contact you shortly.
*Required Fields
Please Read the Terms of Service.
NAME________________________ __________
ADDRESS _______________________________
CONTACT PHONE_________________________
EMAIL__________________________________
PURPOSE?(INDIVIDUAL/PROFESSIONIAL/TRAINING)__________________
COMMENTS:____________________________________________________
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CREDIT
EDUCATION
THE TRUTH ABOUT CREDIT SCORES
Many of you reading this article might think you have a pretty good idea of
how credit scores work. But do you really? You would be surprised to learn
that much of what you think helps or hurts your credit score will actually do
the contrary or have no effect at all. There are so many rumors, lies,
exaggerations and urban myths, when it comes to how exactly credit scores
are calculated. You will be shocked to know that only 35% of your credit score
is affected by your payment history. So what about the other 65%? What else
besides payment history is affecting my credit score?
Given the fact that credit plays a huge roll in our lives as American
consumers, dont you think that credit education would be a primary concern
for our youths? But you dont learn this stuff in schools. You dont learn this
stuff when you open a credit card.
According to Nellie Mae survey, 21% of undergraduates with credit cards
carry balances between $3000 and $7000.
Credit card solicitors pay colleges "admission fees" to come onto campus, set
up tables, and sell credit cards to students.
WHAT ITEMS ARE IN YOUR CREDIT REPORT?
Identifying Information (name, address, date of birth, employment
information. Updates to this information come from information you supply to
lenders)
Trade Lines (All of your credit cards and other accounts; date that you opened
the accounts, your credit limit, high balance, current balance payment history
etc)
Credit Inquiries (Voluntary and involuntary inquires such as: Account Review
Inquiries, Hard Inquiries, Promotional Inquiries)
Public Records and Collections (Collections, BKs, Foreclosures, Suits, Wage
Garnishments, Liens and Judgments)
Your credit score takes into consideration all of these factors. In some
situations, one factor can have a larger influence on one persons credit score.
This depends on each individual credit situations and credit history. It is
almost impossible to say exactly how much each factor will influence ones
credit score due to the limitless possibilities.
ADVICE GIVEN BY CREDIT BUREAUS IN REGARDS TO HAVING AN IMPROVED
CREDIT SCORE: manage credit responsibly over time.
other revolving accounts. Owing the same amount but having fewer open
accounts may result in a lower credit score. Keep as many of your revolving
account below 50% of the credit limits of high balance. It may be beneficial to
consolidate debt onto one account if you can get two or more account
balances below 50% of the credit limit or high balance that were otherwise
above that limit.
Dont open new accounts to increase your available credit. (This can backfire
and actually lower your score. This is most likely due to that idea that new
accounts may lower your credit score and add inquiries)
CREDIT INQUIRIES
A credit inquiry will appear on your credit report when your credit report is
pulled. There are many types of credit inquiries. Inquiries must be made with
Permissible Purpose. You do not necessarily need to give a creditor or party
authorization for them to have permissible purpose.
HARD INQUIRIES (These inquiries affect your credit score. When you apply for
a mortgage, auto loan, credit card or other type of account, you authorize the
lender to obtain a copy of your credit report. These types of credit inquiries
when prompted by your own actions appear on your credit report and will
impact your credit score.)
PROMOTIONAL INQUIRIES
In many cases a company will pull your credit report in order to send you preapproved credit offers or other promotional offerings. These inquiries do not
affect your credit score although there is much non-sense about an increase
of credit scores upon prohibiting the ability of creditors to pull a promotional
inquiry.
To prohibit the ability of creditors pulling your credit report for Promotional
purposes you must OPT Out by calling 888-867-8688
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&
GET BACK AT THE COLLECTION AGENCIES AND THE SAME CREDITORS WHO
DID YOU DIRTY , LEGALLY AND ETHICALLY AND THEY CAN DO ABSOLUTELY
NOTHING TO STOP IT BUT WHINE AS YOU WATCH IT SHINE ,LOL ---ALL AS
YOUR OWN FILES ARE BEING CLEANSED AND YOU ARE COLLECTING FEES
FROM THEM ON THEM NOT DEALING FAIRLY WITH THE DEBT THEY
ORIGINALLY ALLEDGE YOU OWED! WE CALL THIS METHOD THE SHELLING
THE SNAIL METHOD OF ADDING TRADELINES AT SAME TIME OF REMOVING
NEGATIVE ACCOUNTS ESPECIALLY COLLECTIONS. IT IS INDEED SUPER EASY
CHEESY AND THIS IS A FREEBY SNEAK PEEK FOR THE SPEACIAL FEW WHOM I
ELECTECTED TO SEND THIS MESSAGE TO. ONLY 3-4 PEOPLE IN THE WORLD
KNOW THIS TACTIC, WELL NOW YOU DO AS WELL! KEEP IT SECRET AS LONG
AS YOU CAN BECAUSE AS SOON AS IT GETS IN THE KNOWLEDGE OF THE
CREDIT BUREAUS BIG WIGS WE ALL KNOW NEW LAWS WILL BE CREATED TO
SOON SHUT IT DOWN. REMEMBER, AS LONG AS YOU ARE THINKING WITHOUT
Ive learned this over the years dealing with removing collections from credit
reports. In conversations I have with clients, Ive been told that in the past
while using a credit repair company that they were instructed not to settle
collections. Not to worry, theyll be deleted without settlement.
This may sound appealing, but however is not effective for a permanent
deletion.
In the small chance that the collection company doesnt answer the dispute
and is removed, theres a very strong probability that the collection will rereport. This will drop the scores again.
So any time you hear dont worry, well delete your collections, dont pay
them Id recommend finding another credit repair company.
Part of a successful credit score increase is being prepared for credit repair.
This preparation is having the finances to pay your debts. Before I enroll any
new client we have this discussion. If theyre not ready I advise them to
begin settling their debts, and then come back to us. Paid collections have a
higher deletion rate than unpaid, this is what makes our program and clients
successful.
How To
One of the most difficult obstacles people have is understanding how to raise
their credit scores. There are many ways to go about this, but where do you
begin?
Do you settle collections? Do you pay off your credit cards and close them?
Do you add yourself to another persons good credit account?
All of these questions will probably go through your mind, and you need to be
careful about what you do. Because you can make a mistake and it can not
be undone.
One of the first things I recommend is sign up for credit monitoring online.
This will give you access to all 3 credit reports from TransUnion, Experian, and
Equifax. It will also track your scores monthly. So as you make
improvements, you can see those reflected in your scores.
I personally recommend Privacy Guard or Credit Check Total . They are both
user friendly sites that have designed their credit reports to be easy to read
and understand. Their monthly costs are low (around $15-$20/mo.). Some
sites will charge from $30-$60 per month for the same information.
Once you have your reports, go through the account information and also
review the summary at the end of the report. It will highlight the positive and
negative issues with your credit. This is the starting point to raising your
scores.
There are 2 components to your credit scores that effect them the most,
payment history and credit card balances. These alone are responsible for
65% of your FICO scores.
The most immediate control you have over your credit scores are the
balances on your credit cards. Its advised to carry no more than 30% of a
balance/limit over a billing cycle. Once you carry larger balances and they
are reported to the credit bureaus, it begins to lower your scores.
Collection accounts are typically where your next focus should lie. Collection
accounts that are paid, still effect your scores as they are on the report. Its
best to remove those collections through a dispute process. Paid collections
have a 80% chance of deletion through my credit repair process. So it is
almost always advised to settle your collections. I say almost always,
because you need to note when the account was last re-aged to the credit
bureaus.
Understand that the collection company purchased the debt from the original
creditor at a discount. Sometimes 10%-30% of the original amount, and try
to collect in full. The difference is their profit. Knowing this, offer 40% of
whats owed. Youd be surprised at how much money you can save. Also ask
for a deletion of the account. Some will agree to this, but not all.
Can you improve your credit score by 100 points?
The lower a persons score, the more likely they are to achieve a 100-point
increase, he says. Thats simply because there is much more upside, and
small changes can result in greater score increases. Its harder to improve
scores when you already have a strong credit history.
If youre tracking efforts to improve your score, Griffin says, remember that
there are many types of credit scores. Make sure youre checking the same
score through the same company each time.
And bear in mind that there are no overnight fixes for bad credit. Time can
erase many negatives on your credit report but only if you make smart
choices in the meantime.
Here are three quick ways you can significantly improve your score:
After checking for errors, look for any accounts that might be past due,
advises Bruce McClary, spokesman for the National Foundation for Credit
Counseling. Payment history accounts for more than a third of the credit
score, so keeping accounts up to date is vital in order to maintain the
healthiest rating.
Bringing an account up to date wont undo the damage from past late
payments, so its still important to pay your bills on time. Late payments stay
on your credit report for seven years, and the more recent the delinquency,
the worse it is for your credit scores.
A single skipped payment can knock more than 100 points off a good credit
score, Weston says. The formulas dont really distinguish between a bill you
cant pay and one you forgot to pay.
You can boost your credit scores fast if youve got your financial act together
and some money to correct the errors of your past, Weston says. One of the
best ways to do that is to pay off your credit cards, particularly if theyre
anywhere near their limits.
Fortunately, your current credit utilization is all that matters. Once you get
your balances down to an acceptable level and it has been reported to the
credit bureaus, you wont be penalized for the past.
McClary says its best to keep balances to 30% or less of your credit limits. If
you cant pay them down that much, pay what you can, he suggests. Maybe
your tax refund can help you knock that debt down or out. You can also ask to
receive text or email alerts when your balance is nearing a limit you set.
If you have a bunch of maxed-out credit cards, you could boost your scores
by nearly 100 points by paying them all off, says John Ulzheimer, a credit
score expert who has worked at FICO and Equifax. You wouldnt have to wait
long, either.
If youre not sitting on enough cash to pull that off, consider a debt
consolidation loan that moves your revolving credit card debt over to the
installment side of the credit-scores ledger as long as you can score a
personal loan at a better rate than your credit cards have, Weston says
Rapid Rescore and Credit Repair Results
Weve designed the best way to raise a credit score in a very short amount of
time. Most are skeptical but nothing speaks volumes like results.
Below you can see the results of our process. We started this client on
11/3/2015 and just updated his credit report on 12/11/2015. As you can see
his scores were 589, 586, 586. His scores are now 730, 730, 734 which
boosted his scores 141, 144, and 148 points.
The proof in our process are in the results. Many credit repair companies can
take months if not years to see these kind of results, all the while they charge
you monthly fees. All of our clients need fast results and we deliver.
If you or anyone you know needs help raising their credit scores quickly and
need honest and specific direction on how we can help, please contact me
direct at 251-635-8885 or visit our website/EMAIL at
creditrepairchampionllc@hotmail.com or RodPeak@hotmail.com or
PeakBiz@aol.com
Sincerely,
They suck. Lol. At first, when I started making gobs of money online I swore off any kind of 'offline' strategy. I thought:
I have a concept I developed around month three called the 'Marketing Triangle'. If you apply it, it
will change your business.
You can learn if you are one of my first 100 clients, for free.
There's one thing that you'll need to make this work, though... and I will
continue to send you daily or every other day news-letters to update you on
what is and what is not working in the credit repair business.
AM I HIGH PRICED? YES I AM! IS MY SERVICES WORTH IT?
RATE OF ALL DISPUTED ITEMS) THEN YOU TRULY NEED TO SIT BACK AND
CONSIDER THE WEALTH OF KNOWLEDGE AND IT WOULD BOOMERANG YOUR
BUSINESS INTO OUTERSPACE!!!!!
I HAVE LITERALLY TAKEN A 1 MAN SHOP THAT HAD ONLY 3 CLIENTS IN 2
YEARS AND MADE HIM A MILLIONAIRE IN THAT VERY SAME YEAR, GRANTED
HE PURCHASED EVERYTHING I OFFERED AND HAD MY TEAM DO ALL THE
PROCESSING SO LITERALLY HE ONLY PUT UP A WEBSITE TO DRAW IN
CUSTOMERS THEN SENT ME THEIR INFO AND I DID THE WORK FOR HIM FIRST
HAND MYSELF PERSONALLY. I EVEN STAMPED EVERY DOCUMENT WITH HIS
COMPANY LOGO SO HIS CLIENTS WOULD HAVE NO IDEA HE OUTSOURCED
AND HE WOULD BE THE HERO. MY ONLY INTEREST IS IN THE LONGTERM
SUCCESS OF YOUR BUSINESSES AND WITH THAT THE GAINING OF YOUR
CONSULTING CONTRACTS AND TO BE YOUR ADVISOR! THAT IS WHY I GIVE
OUT SO MUCH FOR FREE, ITS FREE BUT IT BENEFITS ME AS WELL.
...and you can see that, here. Look out in your email tomorrow.
We'll put it all together......into a formula that will make you unstoppable.
See you then.
CHEXSYSTEMS SWEEP
REPAIRED
This program is perfect for people who have been denied the opportunity to
open a bank account. Sometimes old bank accounts and incorrect bank
reporting on overdrafts and bounced checks can harm you far into the future.
Dont let this hold you back. This program can remove:
Bounced Check reportings
Overdraft Reportings
Closed Account Reportings
Delinquent Closed Account Reportings
The process takes anywhere from 30-45 days to complete. In some rare cases
we have seen complete deletion in as little as 7 business days.
1
YOU NEVER HAVE TO WRITE
LENGTHY AND COMPLICATED
LETTERS TO CREDITORS OR THE
CREDIT BUREAUS.
2
CREDIT BUREAUS WILL
NEVER SEND YOUR DISPUTE
REQUESTS BACK BECAUSE THEY
FELT THEY WERE FRIVOLOUS
3
YOU CAN SEE RESULTS
VERY QUICKLY IT MERELY TAKES
DAYS TO GET THE DISPUTED
ACCOUNTS REMOVED.
4
THERE IS NO NEED FOR
DISPUTE OR VALIDATION LETTERS
Add Tradelines
to Your Credit
Report