If you want a higher credit score in as little as 25-45 days just call Ron Krueger at 949-637-1842

In the mean time we have included a special report What the Credit Bureaus DONT Want you to Know!

What the Credit Bureaus

DONT
Want You to Know!

What the Credit Bureaus DONT Want You to Know!

In the past few years, lenders have tightened credit requirements, so getting a good interest rate - or a loan at all - requires that you understand how the scoring system, known as FICO, works for you personally.

In our post-crisis economy, good credit isnt just nice to have - its MANDATORY if you want to level the playing field with lenders.
Credit scores are three digit numbers lenders use to gauge your creditworthiness, and until the financial crisis hit, a 720 FICO credit score was enough to get the best loan terms. Even people with lower scores could get decent deals, and at the peak of the lending boom it seemed that no score was so low that it resulted in a rejection. These days however, lenders typically prefer 740 scores for the best mortgage rates. Lower scores mean higher rates or perhaps no loans at all. People with top scores get credit card and balance transfer offers. If their issuers raise their rates or lower their limits, they can move their business elsewhere. By contrast, people with weaker scores are finding their access to credit slowly strangled. Issuers can push them around, and credit seekers have little recourse. Less than the best credit can hurt in other ways. For example, credit information is used by:

Insurance companies to evaluate applicants and set premiums. Landlords to decide who leases apartments or homes. Employers concerned about higher risk of theft from those with troubled finances.

Clearly, cultivating good credit scores is an essential 21st century skill! The good news is that its possible to boost your numbers if you have a handle on your finances and you know HOW credit scores work. After all, the median credit score is 720 on the 300 -to-850 FICO scale, meaning half the adult U.S. population has a higher score and half has a lower score. Forty percent have scores over 750, and 13% have scores above 800. Thats according to the company that created FICO scoring, Fair Isaac (or not so fair Isaac as some people jokingly call them).

You CAN earn good scores, but first you have to recognize that:

You cant raise your scores if your finances are still messed up. If youre unable to pay you bills, you certainly cant fix your credit. However, real credit score improvement CAN and SHOULD begin while youre putting your financial house in order, so dont wait! Just make sure you have enough money to cover your expenses every month and get started! You cant raise your scores if you dont use credit! Credit scores try to predict how well youre likely to use credit in the future by how well youve used it in the past. So while living a cash only lifestyle may do wonders for your wallet, it wont boost your scores in fact, without continuing use of some type of credit, eventually your credit reports wont even generate credit scores because you become a type of credit ghost. Youll hear some people say you dont have to pay credit card interest to achieve great scores, but THEY ARE WRONG! Using credit is not the same as carrying a BIG balance on your credit cards. Carrying a big balance is expensive, bad for your finances and completely unnecessary. You CAN achieve a very high FICO

score while paying off your balances religiously but its not BECAUSE you paid them off religiously! Surprisingly, youll build and keep great credit scores FASTER by paying a little bit in credit card interest! Whats the optimum? Pay off nearly the entire balance but leave anywhere between $50 and $100 on each card after the payment. The FICO score calculating formula seems to reward you for paying ANY amount of interest, so pay the LEAST possible!

Doing it yourself, you cant expect overnight results. But youre likely to see some improvement in your scores within 30 days if you pay down significant chunks of your credit card debt. But otherwise, credit score improvement takes time, and how much time depends on the many details of your three credit bureau reports. If you have serious black marks, such as bankruptcies or foreclosures, you can see significant improvement in your scores as time passes, but you may have to wait until those negatives drop off your credit reports before you can join the 700 -Plus Club. That could be 7 years.

Dont Get Ripped Off! What They DONT Want You to Know!
Credit repair is supposed to be the removal of negative factors from a consumer's credit reports. Some of them are tax liens, late payments, charge-offs, collection accounts, foreclosures, bankruptcies or any other negative information. The process supposedly is done by disputing these items with the credit bureaus. The typical process involves the client (or their authorized agent like the credit repair company) writing letters to the creditors, reporting information and attempting to prove you did not make a late payment, or that the information being reported is somehow inaccurate, or misleading. They require the client to provide the information they need to assist in the dispute process, which can be a time consuming and a nerve wracking experience for the client. A credit repair company generally utilizes ONLY one of THREE laws in their dispute letters. Those laws are the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA) and the Fair and Accurate Credit Transactions Act (FACTA). In terms of client acceptance, it follows a protocol of welcoming any client who wishes to restore their credit. In letters, it uses canned/boiler templates. Moreover, only a few items, at a time, are disputed. Traditional credit repair often FAILS to deliver what has been promised to the client - speed. Why? Because its in the credit repair companies best financial interest to draw the process

out as long as possible because they charge monthly. So they drag it out to make it profitable.

How Is Credit Restoration Different and Why Is It Better?

For starters, we leverage the implementation of Section 609 of the Fair Credit Reporting Act (FCRA). According to U.S. Code 15 USC 1689, as consumers, you have the right to dispute information on your credit report which is misleading, inaccurate, or UNVERIFIABLE. Simply stated, we know how to FORCE the credit bureaus to meet the terms of United States federal law and the Fair Credit Reporting Act. By comparison, unlike credit repair services, we apply pre-litigation strategies in our disputes. This, in turn, allows ADDITIONAL consumer and commercial laws as well as DOCUMENTS IN NON-COMPLIANCE.

This could include:

The Credit Card Accountability Responsibility & Disclosure Act (CARD) The Fair Credit Reporting Act (FCRA) The Fair Debt Collection Practices Act (FDCPA) The Fair and Accurate Credit Transactions Act (FACTA) Updated Section 312 of the FACTA, the Fair Credit Billing Act (FCBA) Federal Trade Commission Opinion Letters (FTC) The Gramm-Leach-Bliley Act (GLB)

The Health Insurance Portability and Accountability Act (HIPAA)

The Real Estate Settlement Procedures Act (RESPA) The Soldiers and Sailors Relief Act (SSRA), The Truth in Lending Act (TILA) The Truth in Savings Act (TIS) and Uniform Commercial Code (UCC)

These can be used in combinations of 2 or 3 laws per client case, so that the MAXIMUM number of resources are utilized on behalf of the client and it can be speedy!

In addition, we utilize a unique platform for disputing negative items on behalf of our clients: Automated Consumer Dispute Verification (ACDV). Its a legal FACT that if any of the three major credit bureaus arent able to provide documentation with your ORIGINAL signature on it, as verifiable proof, they CANT legally report that information! For these reasons, we assist our clients in disputing the credit bureaus legal right to report their private financial information due to the UNAVAILABILITY of verifiable proof on file! We petition the credit bureaus on our clients behalf to comply with the FCRA, by legally FORCING them to produce verifiable proof to support how they can legally report your private financial information. This means the credit bureaus MUST have a copy of an original document with your signature on it filed on location. If the credit bureaus CANT produce a document with your signature on it as verifiable proof and they do not delete or change an item they are reporting on your credit report, they are in VIOLATION of FEDERAL LAW and they subject themselves to a statutory fine for EACH unverifiable item they report. In other words, if the credit bureau CANT provide documentation with your signature on it, they CANT legally report that information! By Federal law, ANY negative item can be deleted from a credit report if the credit bureaus cant, or wont, provide VERIFIABLE proof that the item reported is YOUR account. Our process isnt permanent, but once the information is deleted or changed, it cant be easily re-reported without penalty, and the three main credit bureaus know that if they dont have the supporting documentation as verifiable proof, they CANT re-report a disputed item! We have a proven system which has an amazingly successful deletion rate. We also provide a program to educate clients on how the credit system works and how to maximize their credit scores by also adding positive information to their credit profiles.

How Does It Work?

Because of technology changes, the 3 major credit bureaus are literally not following the letter of the law! In 1971, Congress passed legislation to protect the credit ratings of consumers. The Fair Credit Reporting Act (FCRA) was enacted to force credit bureaus into showing backup documentation (verifiable written proof with an original signature) for ANY negative items they report about the consumer on their credit reports.

In reality, the vast majority of negative items on a typical credit report are valid. Therefore, if you simply dispute all the negatives on your credit report, those items that are valid will most likely be verified by the creditors and remain on your credit report. Credit repair companies only focus on trying to correct inaccuracies on your credit report. We focus on reporting violations.. With our program, it doesnt matter whether the negative credit item is accurate or not. Our process works on ALL negative credit because it disputes not only inaccuracies on your reports, but, more importantly, the credit reporting agencies right to report the negative credit item in the first place. Every credit repair company out there uses the dispute process allowed under the Fair Credit reporting act (FCRA) to attempt to repair your credit. However, with our process, the odds are in your favor because the dispute system is based on Section 609 of FCRA which is a United Stated federal law! We are disputing the REPORTING law NOT whether or not an account is yours, but whether or not the credit bureaus have the VERIFIABLE PROOF they are REQUIRED BY LAW to have on your account. Under the FCRA, the credit bureaus need to provide a copy of verifiable documentation if it is requested USING THE PROPER LEGAL PROCEDURE! The three credit bureaus are required by law to have a copy of that same verifiable proof on every one of the accounts they are reporting about you on your credit report. Stated simply, YOU have the legal right to receive a copy of the Original Creditors Documentation. But the three major credit bureaus do not have the verifiable proof of your accounts on file! Today, all credit bureau reporting is done ELECTRONICALLY via email or fax but thats NOT what the law says must be done. Since none of the three major credit bureaus (namely TransUnion, Experian and Equifax) are completely in compliance with Section 609 of the Fair Credit Reporting Act, they must permanently delete ALL items from your credit report that are unverifiable ALL OF THEM!

Thats where we come in, working on your behalf to RESTORE your credit, legally and effectively. No one else can accomplish this as fast & efficiently as we can.

EXAMPLES OF RESULTS WEVE CREATED

When you do business with someone, you like to know they deliver results, right? Then this will interest you! To achieve higher scores, in some cases, we restore credit, in others, we add positive trade lines that dramatically boost credit scores. Sometimes, we do both if thats what the situation calls for!

Client #1 exper ienced a jump in all three bureau scores in ONLY 27 days! A 554 score jumped to 675. A 552 score raised to 674. A 564 score hiked to 686. Again, in ONLY 27 days! To achieve a higher score, the client asked us to add positive trade lines. We did it and their score went 700+ Client #2 exper ienced a jump in all three bureau scores in ONLY 22 days! A 575 score jumped to 700. A 588 score raised to 645. A 579 score skyrocketed to 796. Again, in ONLY 22 days! Client #3 exper ienced a jump in all three bureau scores in ONLY 22 days! A 639 score jumped to 708. A 601 score raised to 742. A 617 score hiked to 714. Again, in ONLY 22 days!

What Will This Cost?

Well, first off, this isnt for everybody. And it isnt cheap, but it IS valuable! Second, the question REALLY should be what does this cost if I DONT do this? If you want to buy a home in a market thats appreciating, how many thousands MORE will the home cost if you have to wait 6-18 months or more to TRY to get your credit healthier? If you want to re-finance or get a first time mortgage on a property, how many TENS of thousands MORE will you pay in interest on that loan over the years because you DONT get our help?

This Doesnt Cost, it PAYS!

Everybodys credit situation is different. For a personalized quote, call Ron Krueger 949-637-1842 And also ask for the FREE REPORT: 9 Insider Strategies to RAISE Your Credit Score to 720 or Higher!