SUMMER BUYING SEASON SPECIAL!!!

CREDIT REPAIR SPECIAL!!

(United States Only)

Because I love helping people buy homes, I have a fantastic Summer Special.  I have never done this before and may never do it again.  It is a "BUY 1, GET the 2ND One, HALF OFF" Special!


So, if you've been putting off fixing your credit, or, you are a Real Estate Agent with clients that would love to move into a new home this summer but their credit needs help, NOW is the time to raise that score and have a very pretty credit report!

Good Through August 2012 Only!  

Yep ~ this is a summer long special ~ Woo Hoo!

Here's what it includes:


Set up - includes a review of your credit report, consultation to go over the negatives on the report and dispute strategy session, letter set up for letters to collectors and the 3 bureaus.


Dispute letters - I will write original letters for up to 5 negative tradelines plus a letter to each of the bureaus disputing those same tradelines. They will be printed up, sealed in an envelope, labeled, have the certified mailing and receipt forms attached, all ready for you to take to the post office and mail. Letters to the bureaus only require a 1st class stamp.


Your price for all this is only $250 for the first client, and only $125 for the second client.  THIS IS AN AWESOME DEAL!  (Last year, my credit repair clients were paying $450 and up!  I have reduced my prices because of this economy and now you can save even more). 


So, how about husband and wife, brother and brother, brother and sister, sister and sister, friend and friend, Mom and Dad, parent and child. You don't have to be related. You don't even have to be getting ready to buy or refinance your home!  You just need to have that second someone. 
Clean credit is a great gift!


(Note: if you need to get rid of more than 5 negative tradelines, I am reducing my rate for those extra ones as well, from $30 each down to $25 each, the same cost I charge for follow up letters).

I have a 100% success rate of helping people 

repair their credit for almost 2 decades now. 

I use the laws written to protect 

consumers to remove those baddies!

FOR RE PROFESSIONALS ~

~REALTORS & LO'S.

Contact me for a nice referral fee when you refer your clients that need help to qualify for a refi or purchase loan. 


I am Completely NON-COMPETE. I help Your Clients repair their credit Only!  I do NOT Steal Your Clients. I am here to help you close more deals by getting your clients' credit where it needs to be to qualify!

VALENTINE'S SPECIAL!!

CREDIT REPAIR SPECIAL!!

(United States Only)

Now is the perfect time to start repairing your credit because I have a blowout deal for you! Not only have I drastically reduced my prices to be able to help more people in this economy, but I am giving a huge discount on top of the already super low prices.

Good Through February 2012 Only!

Set up - includes a review of your credit report, consultation to go over the negatives on the report and dispute strategy session, letter set up for letters to collectors and the 3 bureaus.

Dispute letters - I will write original letters for up to 5 negative tradelines plus a letter to each of the bureaus disputing those same tradelines. They will be printed up, sealed in an envelope, labeled, have the certified mailing and receipt forms attached, all ready for you to take to the post office and mail. Letters to the bureaus only require a 1st class stamp.

Your price for all this is only $175, a whopping $75 off my already super low price, which has been reduced by $200! So, what others have paid $450+ for last year (and quite a few prior years), you are getting at a HUGE BARGAIN PRICE! 

(Note: if you need to go after more than 5 negative tradelines, I am reducing my rate for those extra ones as well, from $30 each down to $25 each, the same cost I charge for follow up letters).

I have a 100% success rate of helping people repair their credit for almost 2 decades now. I use the laws written to protect consumers to remove those baddies!

FOR RE PROFESSIONALS ~ 

~REALTORS & LO'S. 

Contact me for a nice referral fee when you refer your clients that need help to qualify for a refi or purchase loan. 
I am Completely NON-COMPETE. I help them repair their credit Only!  I do NOT Steal Your Clients. I am here to help you close more deals by getting your clients' credit where it needs to be to qualify!

You Have Rights When It Comes To Your Credit Report

You do know you have the right to repair your credit don't you?  Well, the bureaus and many creditors would love for you to believe that what is put on your report has to stay there for 7-10 years. That is absolutely not true! In fact, there are tons of laws written to protect YOU, not them!

You have the right to challenge and dispute Anything on your credit reports that you don't agree with. It doesn't matter if it is basically true or not, you have that right. Just because you once signed a contract with a creditor, doesn't mean you can't dispute that item, especially if it has been sold to a 3rd party collection agency. Further, if anything is not correct, and I mean ANYTHING, that they put on your credit report, you can get it removed.  The law says that they have to report Only 100% Accurate information. I have seen enough credit reports over the last 2 decades to know that if you have negative credit, then you have some mistakes on your credit report.  

Think bad credit has to stay for 7-10 years? Nope, it doesn't. What the law actually says is that it cannot stay on longer than 7-10 years. It does not say anything Has to be reported at all. The limit is for the provider of the information and the credit bureaus, not you! But, all states have statutes of limitations. Your state may be less than the 7-10 years. Mine is. Mine is 4 years. What is significant about that is collectors/creditors cannot report you after the statute of limitations because it is time barred and one of the actions considered as collection activity, which is prohibited after it is time barred, is reporting on your credit report. If you dispute a time barred credit line and the reporting party verifies with the bureaus, that is also considered collection activity and it is not allowed, by law!

You have a right to a free credit report from every bureau every single year. You can use these free reports to start cleaning your credit.  You can challenge bad credit based on wrong dates, wrong amounts, wrong types of accounts, heck, many times what you need to dispute is with a collector or collection agency.  You had better dispute those. You never signed a contract with them, you signed with an original creditor. You by law, don't owe them a dime!

3rd party collectors are considered "strangers to the transaction" and the law goes on to say that they are mere volunteers who paid an alleged debt, but not with your permission or a request from you to do so. AmJur states that "the right of subrogation [the right to substitute] does not exist for a stranger to the transaction. This means not only do they not have the right to collect from you, they really don't have the right to report on you. They have NO CONTRACT with you.

Start cleaning your credit - its Your Right!  Start by getting your credit reports from Experian, TransUnion, and Equifax. Send letters to every collector demanding validation and make sure you remind them that they have no contract with you. Make sure you keep a copy and make sure you mail it certified with return receipt. That is important because it is your proof that you have put them on notice. When you do, you further protect yourself from them because the law says that until they validate the alleged debt, they must cease all collection activity. Remember, verifying with credit bureaus is considered collection activity, so it is against the law if they do it.

Once you get your green cards [return receipts from the post office] back, send off letters to the bureaus disputing the validity and accuracy of each of the collectors you just sent the validation demands to. Warn the bureaus that you have demanded validation from each one and none have provided validation. Let them know that if any of them verify and they update the report to show anything was verified, they are now liable for damages as well. They knowingly let information that is barred by law onto your credit report.

You can improve your credit. You can remove negative entries from your report. You don't have to wait 7-10 years, so don't. Do it now or get someone to help you do it. It does take commitment and consistent effort, but it is your right and so much better than paying off alleged debts to some grimy collection companies that have no legal right to demand anything from you. Play the game and beat them - that's your right too!