You Don't Owe Your Debt - Its All A Fraud!

You've been duped and you don't even realize it.  When you think you borrowed money, you are incorrect. When you think you have to pay back money for what you borrowed, you haven't learned the truth.

Most people grow up believing what they are told by parents, teachers, lenders, politicians (well maybe not so much them), our government. Few grow up challenging what they are being told. Few people stop and ask why or how. Few people stop and say, "Prove it!"  

I'm one of the few who has always questioned what I was told. I was always labeled as argumentative when I really was just looking for answers. Somewhere in my gut it seemed that things I was taught and things I was told was not the whole truth.  You may have had that same feeling at times in your life. But we are conditioned to just accept what we were told as the truth.  Its not our parents' fault. They didn't know any better because they were  raised the same way.  You just don't question authority and you should just respect your elders.  

Well, in my book, you should question what triggers a twinge of doubt in your gut and why respect your elders (lying government officials, lying banksters) when they are not telling you the truth and they have an agenda to keep you from knowing the truth.  Truth is power and they want to keep you from gaining any truth or power because they want it all for themselves.  Then they can control you and enslave you.

I've decided to post a video today. Please take the time to watch it. Its about money. Where it comes from, where debt comes from, and how its all a fraud that has been kept secret so you won't find out the truth.

There are 5 videos in this series. I encourage you to watch all of them when you have a chance.  They will help open your eyes to the scam that has been played on all of us.  I hope that it helps you understand that getting into debt is not your fault because that's how this system was set up - even if you maxed out credit cards, were allegedly irresponsible in your spending, and just got to a point where you had to walk away or give up trying to pay these bills for credit and loans. 

When the truth about this sinks in, you may get a bit angry, and rightly so.  I care about you and I want you to know the truth.  Please, if this video opened your eyes a bit, then share it. I would love it if you shared my blog with others. They too can watch the video right here but also, there's a lot of information that I give that may be what they need to help handle their own credit issues.

Thanks for reading, watching and sharing.  Enjoy!

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How Long Does It Take To Fix My Credit?

This is a question I get asked quite often. There is no way to put a date or time period to it. There is a general time line that you can expect, but you see, you are not in control of how soon or how long it takes for the credit bureaus or collectors/creditors to respond to your dispute.

So, here I want to explain a basic time line to give you a general idea.

• You get your credit report - same day usually, unless you request it by mail from the bureaus, then expect 15 - 30 days.
• Review and highlight the negatives on your report. Categorize them into collections, charge offs, and judicial. Usually, collections are 3rd party collectors, charge offs should be original creditors, and judicial will be tax liens, bk's, judgments, etc. Write their correspondence address on your list as you will be using this on your letters and for mailing. This can be done the same day you get your credit report, so you are still at 1 day.
• Start writing letters. You will write one type of letter demanding validation from the 3rd party collectors. You will write a different type of letter to original creditors. Now, you can demand validation from them, or if its something simple like 1 or several late pays, you can be specific and just tell them you want to validate the late pays because you don't recall ever being late. Then you request for them to remove the late pays from your report. Many times they do just that. Instead of the hassle of validating, they just remove them, especially if they are old.
• For the judicial entries, guess what? You can actually demand validation for those baddies! The thing is, courts don't verify or validate, so I would be shocked to hear that someone got validation back from the court. Tax liens are a different story though. Those would be disputed with the IRS. You would demand validation the same as you would of a 3rd party collector. That is what they are. The IRS is a collector and not a government agency. They've done a good job at fooling everyone, haven't they! Writing the letters can take you anywhere from a few hours to 2 days at most. So, I would say, you are now on Day 2.
• Now that you've finished the letters, you will need to mail them. These letters need to go CMRR (Certified Mail, Return Receipt). So, some time before you start your credit repair, or after, just trying to cut time here, pick up some green cards and green and white certified mailing supplies from the post office. They are free! It should take you no more than an hour to get everything addressed - envelope, green card and receipt, and ready to go to the post office. You do need to go to the post office to mail these. Cost is under $6 a letter. Okay, that is still day 2.
• Collectors and creditors will have 30 days to respond to your dispute. But, you should receive your green cards back within a week - 2 weeks, tops.
• Next step is to write your letters of disputes to the credit bureaus. These do not go out before you get the green cards back. You must wait till you get those first. 1 letter to each Experian, TransUnion, and Equifax. You can dispute every item on each one at the same time. But, DO NOT DISPUTE THE BK AT THIS TIME!!! So, getting the letters written, envelopes addressed and mailed, 1 day. You're up to about 2 weeks.
• The credit bureaus are to respond to your dispute in 30 days. So, the time line now is about 45 days 

You should see a little improvement at this time. You will repeat this process again and again, to get things off your credit. Each dispute with the credit bureaus needs to attack the negative item differently so that they don't label it frivolous and stop the process for 6 months.

The disputing process is a little more detailed than what I've given here because I'm just giving general info, but figure a 30 - 45 day cycle for each round of disputes till you get most or all of the items off.  Expect 2 to 3 rounds at the least and more like 6 -12 months, sometimes longer when there are BK's and things like that.

If you have any questions, please feel free to comment below or email me. I'll respond as soon as possible, usually within a day or two, many times, the same day!