Bad credit repair advice sometimes give you enough RED flags to keep you from disappointment or worse…getting your disputes flagged or sued!
This is B-A-D in so many ways!
And I’m trying to be kind.
Watch this video below. Please overlook all the spelling errors in the video. That’s not the worst part of this inadequate (and potentially dangerous) advice.
Connie L. of Provo, Utah, jumped at the chance to improve her credit scores.
A guy calling himself “creditrepairmaster” on YouTube caught Connie’s attention (see video above).
Apparently, Connie called him, took his advice & now is forced to respond to a summons.
Connie is being SUED!
When Connie contacted me for help, I quickly advised her to get an attorney who specializes in Federal Debt Collection Practices Act (FDCPA).
If you’re being sued, don’t waste time contacting somebody like me: I’m not an attorney. You need an attorney. And for heaven’s sake, please don’t go the “pro se” route (that is, don’t go it alone).
Connie sent me the YouTube video above titled “Step-By-Step Credit Repair.” According to Connie, it was this video that first caught her attention (see above).
Connie, Where’s The
Step-By-Step?
Connie admitted the title “step-by-step” caught her attention.
She also admitted the thought of easy, step-by-step credit repair urged her to contact this creditrepairmaster.
Unfortunately, there’s nothing step-by-step to this video.
Unfortunately, there’s also nothing “good” to this guy’s advice. See for yourself below:
What you see below is my response to CREDITREPAIRMASTER’s “poor” advice. Always, I try to remain professional when responding. Even so, I don’t expect my comment to remain active once CREDITREPAIRMASTER discovers (and deletes) it.
Credit repair STRATEGY is better advice than simply recommending bankruptcy!
When you’ve watched it, please tell me what you think about the video. What’s dangerous about this guy’s advice? Would you contact this guy for help based on this video or his website where he apparently wants to teach people to run a credit repair business?
I hope this “creditrepairmaster” starts his “teaching” with a clear examination of the Credit Repair Organizations Act.
Please tell me what you think of this video before you click away. If you can, please explain how people get brainwashed to believe credit repair or credit improvement is so easy. How do people get to the point they believe they blindly can fire off a bunch of worthless dispute letters and magically improve their credit?
Seriously, I cannot understand this. I spend more time reading emails from people who want me to give them (or pay for) a magic dispute letter template they can fire off.
Bad Credit Repair “advice” can get you sued! Beware the “experts” pushing dispute letters as a magic pill. For the umpteenth time, I say this: There is NO magic dispute letter to buy or download. It is NOT the letter; it’s the STRATEGY that improves your credit. STRATEGY….
Share and Enjoy:
Welcome back! Got a question for me...or an experience to share? Please go to the bottom of this article to ask a question or share an experience. :) Thank you!
"My Credit Check Should Not Have Caused Me To Scream In Horror!" "My credit check...," Jayne stammered, "is not correct. It's not correct, I tell you! Nobody has sued me...ever! What the hell is this judgment? What is it?" Jayne was fit to be tied. I feared she would pop a cork or fall into cardiac arrest. She was freaking out at......
Credit Law Repair Companies Get "Called Out" By Florida Attorney General Credit law repair scam complaints cause Florida's Attorney General to issue warning to citizens, anticipating even more credit (dis)repair complaints with desperate people latching on to these (dis)repair companies' ridiculous claims and guarantees. Florida's Attorney General Bill McCollum notices an alarming trend! Credit (DIS)Repair Companies are screwing people at a......
Help Stop Foreclosure Before Even More Children's Favorite Teddy Bears Get Tossed Into The Dumpster! Help stop foreclosure before it's too late! For many families...with children...the damage is done! The dreaded "F" word has tossed many children out of their homes and into the streets. As a country, we are in BIG trouble as 285,000 homeowners per month continue to receive DEFAULT notices...285,000 per month!......
Bad Credit Credit Cards Spring Deadly Tricks & Traps On "Sleeping" Card Users! Bad credit credit cards spring dangerous traps on "sleeping" card users. Today, it's not just the so-called bad credit card issuers and their tricks...it's all the other credit cards too. Discover how the banks are stealing your money and dropping your credit scores. Can't live with them; can't live without......
Improve Your Credit Today Having blemished credit is both costly and stressful, but it does not have to be the end. Your situation may...
When Should You File for Bankruptcy? Since completing my introduction post, I have received several questions about personal finance. This one is coming from Cindy who...
DHL-lavel_Nr.zip email virus could rip apart your computer and throw you in to an identity theft nightmare!
Warning: PLEASE do not open any enticing email attachments from strangers…even strangers pretending to be DHL!
What you see below is the exact email attachment Monique A. (a Credit-Success member) opened (see below):
Dangerous email attachment preys on curious, uninformed people!
Monique emailed me the other day asking about this DHL email attachment (see above).
I too have received this exact email…many times in the last few months. For some really bizarre reason, Monique OPENED IT!
What the h*ll!
“Why, Monique, did you open it?” I asked her in a follow-up email.
Her response, “I thought my parents had sent me a package.”
If you know me, you know I’m not judging (or scolding) Monique. Hell no. If you recall, I’m the stupid one who left his wallet sitting in plain sight on the center console of his unlocked car with windows rolled down while playing basketball at a park with friends back in the 80s.
I lost my butt to identity theft over that act of stupidity.
I really don’t want to see you or Monique suffer what I went through.
Do you know what this virus does? Unless I totally lose my head, I will not take a chance opening or clicking on (unknown) attachments or links.
Please go below and leave me a comment or question about ID Theft. If you have faced ID Theft, please share your experience unless it’s too painful…in that case, I understand.
Whether DHL or UPS, this email virus scam is searching the Internet for careless “double clickers.”
DHL email virus attachment is just another attempt to mess with you. PLEASE download and update a virus protection software (a really good FREE one is at www.AVG.com). Also, turn on software firewall even if you have a hardware firewall in your router.
Repair Credit FAST Will Not Happen If One Of These Thieves Targets You! Repair credit fast (or slow or even at all) will not happen if you become a victim of Identity Theft! And I'm speaking from experience. I'm not going to jump into details about my two brushes with these cowards...it's too frickin' painful and unnecessary. You absolutely MUST take action on......
Repair Credit Fast "Intentions" Get Destroyed When Ugly Virus Infects Computer! Repair credit fast (or slow)...it doesn't matter if you screw-up as I did last week. This screw-up was bad, but it could have been worse. If you use a computer and you don't want to feel my pain, please pay attention. Okay, I screwed up, and I want you to......
Best Identity Theft Protection Saves Monica's "Life"...For Just Pennies! Best identity theft protection service was an unnecessary expense until Monica received the phone call she never, ever expected. Monica R. of Santa Monica, CA, never expected to need the ID Theft protection her husband purchased. In fact, Monica had convinced her husband to cancel the service and save the pennies......
Bad Credit Repair Snake-Oil Opportunists Plant Dreams & Steal Money! Bad credit repair ebook sellers, credit (dis)repair companies & greedy Internet Marketers conspire to separate you from your money, leaving you with something worse than worthless payment receipts. [/caption] PLEASE take 30 seconds to read Mark's email below. What he says concerns YOU. Below, you are looking at the exact......
Banking Online and Identity Theft Banking online is a relatively safe way to manage your accounts if you are careful and if you have ID...
Beware PayPal Fraud Ever heard of "Phishing?" According to Wikipedia it is an attempt to criminally and fraudulently acquire sensitive information, such as...
Home Network Security [/caption] Home Computer security 1. What is computer security? Computer security is the process of preventing and detecting unauthorized use...
Bad credit repair no longer includes free credit monitoring as more and more banks introduce sneaky (and costly) tricks to recover record losses and pay their “fat cat” execs.
Is Your Bank In Danger of Failing…just like the umpteen other “untouchable” banks that have dropped dead in this meltdown?
Why should you even care if your bank is about to fail or actually falls off the cliff. You need to be aware that your bank, my bank & every other person’s bank is conspiring to recoup some of its losses by STEALING from you and me.
They want MORE of our money, and I’m going to show you one sneaky little trick they’re using…right now.
Click the ‘Read More’ link below to discover how to protect yourself from these nasty little banking tricks.
Bad Credit Repair "Expert" Advice CREATES Pain, Not Relief! Bad credit repair advice should come with a WARNING label. Who's giving the advice about cutting up & canceling your credit cards? Who's telling you about "guaranteed" A+ credit repair or about paying off a collection to improve your credit? Beware the well-intentioned "experts" dropping credit repair "bombs" all over......
Credit Repair Dispute Letters GET FAST, Easy & Killer Credit Scores! Credit repair dispute letters magically erase UGLY credit, easily allowing you to get whatever it is you want from A+ credit. It's easy. It's quick. And these exact letters can be yours right now! Today, Clayton Dorsey emailed me (see below), claiming he wants to help people improve their credit......
Bad Credit Repair Panics Young Woman To Tears! Bad credit repair has hit over 113 MILLION people now! Every day, countless people lose their jobs, unable to feed their families. Last month, employers threw pink slips to over 700 THOUSAND people! ...700,000 people! WTF! These hard-working people who did nothing wrong are losing their jobs, losing their homes,......
Credit Repair After Getting 'Hooked Up' Helps Detroit's Calvin M. Get His Cell Phone! Credit Repair After Getting 'Hooked Up' Helps Detroit's Calvin M. Get Exactly What He Always Wanted But Couldn't Have. Calvin desperately wanted a real cell phone, not a pay-per-go cell phone where they soaked him for $0.29 per minute. This is the pitiful truth about bad credit. Bad credit means......
Credit Repair Blunders Destroy Credit Scores...And Hope! Bad credit repair demands a game plan! Beware blindly firing off "magic" dispute or debt validation letters guaranteed to score deletions. I repeat, "THERE IS NO MAGIC DISPUTE OR DEBT VALIDATION LETTER!" Without a game plan, credit repair efforts often fail. When I say "fail," I mean some people (or......
Pertuity Direct Launches http://www.pertuitydirect.com/docs/launch_press_release.pdf Pertuity Direct Launches Next Generation Social Finance Platform Company Brings Together the Advantages of Capital Markets, Social Networking and...
Credit fix report errors stop first-time home buyers from grabbing the keys to their new home. Fannie Mae rushes in to review policy preventing scammers from hiding a bad credit past.
Angry & confused is what happens when new home dream disappears...for now! photo credit: tikibata
Maurice Roberts and his wife found their dream home.
They have 20% to put down.
They have W-2 verifiable income.
They also have good credit.
Should be a slum-dunk, right?
That’s what Maurice and his wife thought until their mortgage professional called them with some strange news.
Click Read More below right now to find out why you should not dispute INACCURATE credit file information if you want to buy a home. This is a little hard to believe.
Oh wait, it’s the government we’re talking about here.
Why didn’t you say so. Anything “shocking” is to be expected when the government’s involved.
Repair Credit Fast With One Phone Call To Stop Annoying Telemarketers Once And For All! Repair Credit Fast Efforts Stumble When Telemarketers Steal Your Cell Phone Minutes, Interrupt Family Dinner Time & Break Up Those Irreplaceable Special Moments With Your Children! Finally, I discovered the secret to getting those damn telemarketers' annoying phone calls out of my life... ...and off my CELL PHONE! Yeah, that's......
Credit Law Repair Turns Nasty Debt Collectors Into Wimpering, Obedient Puppies! Credit law repair includes some good ‘ole fashioned legwork and determination when standing face-to-face with growling debt collectors. While “mining for deletions,” Mark noticed one particular charge-off for $1,816.00. $1816.00??? To whom? Mark had no knowledge of this account. His report did not identify the (Original) Creditor, only a BIG-NAME......
Repair Credit FAST Truth Stirs Trouble With Credit (DIS)Repair Profiteers! Credit repair fast quick-buck promoters brainwash people (just like you) into believing in credit miracles…without the strategy…without the work…or without the ACTION. Every day people email and call me about their credit problems. They want a quick-fix! They want me to wave my magic wand or refer them to somebody......
Repair Credit Fast 'Secret' Saves Chicago Woman $1,346.85 & Stops Greedy Debt Collector! Repair credit fast secret rewards Desiree Brockhouse of Chicago, IL, who keeps $1346.85 in her pocket and stops another desperate debt collector's annoying phone calls. Most people have no clue how to dump illegally reported (& re-aged) accounts...the accounts that hang on despite expired statute of limitations. Chances are, you......
Screw The "Averages" As Depressed Economy Fires Pink Slips To Millions! Credit Debt help turns to emergency 911 trauma care today, amidst economic meltdown. For millions, it's survival mode. Forget the averages reported. If you're laid off, you're desperate! Millions of people once boasting "good" credit scores now are besieged by "bad" credit, late payments, collections, charge-offs & no savings or......
Basic Home Repair: Home Improvement DVD The Basic Home Repair: Home Improvement DVD is designed to provide complete details and lessons on home repair topics including...
How to fix credit after a financial tragedy throws people into two groups: those who make a plan quickly following disaster and those who stick their heads in the sand…for years.
Karen Myers of Port St. Lucie, FL, has more than suffered her unfair share of “loss”
She’s lost her job of 9 years.
She’s lost her savings while trying to find a job.
She’s lost her car to the repo man.
As if Karen hasn’t suffered enough, she’s losing her home of 7 years to foreclosure.
Karen should be emotionally and physically devastated…this kind of loss typically rocks most people to their very core…for years.
Not Karen. She remains upbeat, relying on her faith to provide her every need as she takes part-time work to pay the bills.
For now, this is what Karen has to do. To give her some breathing room, she’s filing for bankruptcy protection so she can remain in her home and save some money.
Karen knows she’s not alone…hundreds of thousands of others are suffering right along with her. The difference is that Karen has a plan, though she knows not what tomorrow holds.
Daily, this is the kind of story I hear…the tragic stories of people just like Karen and MD (below) who yesterday were enjoying their “normal” lives only to have the rug pulled out from under them today.
Foreclosures. Bankruptcies. LOSS…LOSS…& more LOSS. Where (and when) will this end?
In my credit forums at Repair Credit Fast, a person named “MD” indicated she/he is going through divorce, soon to be followed by a foreclosure. More loss…more confusion.
With all that’s going on, MD needs help making difficult financial decisions guaranteed to have long-lasting effects.
Click the “Read More” link below to get my response to MD’s questions about
Credit Law Repair Companies Get "Called Out" By Florida Attorney General Credit law repair scam complaints cause Florida's Attorney General to issue warning to citizens, anticipating even more credit (dis)repair complaints with desperate people latching on to these (dis)repair companies' ridiculous claims and guarantees. Florida's Attorney General Bill McCollum notices an alarming trend! Credit (DIS)Repair Companies are screwing people at a......
Credit Repair Blunders Destroy Credit Scores...And Hope! Bad credit repair demands a game plan! Beware blindly firing off "magic" dispute or debt validation letters guaranteed to score deletions. I repeat, "THERE IS NO MAGIC DISPUTE OR DEBT VALIDATION LETTER!" Without a game plan, credit repair efforts often fail. When I say "fail," I mean some people (or......
Bad Credit Repair 'SECRET' Arrives Unexpectedly From 15-Year-Old Boy! Bad Credit Repair 'secret' arrives unexpectedly from one very special 15-year-old Orlando (FL) boy. You must be thinking, "What possibly could a kid know about credit repair?" That's exactly what I thought before I watched the video. After, it was clear: C.J. of Orlando, FL, knows the secret. In fact,......
Bad Credit Repair Forces You To Fight Foreign "Checkers" Just To Clean Up Your Credit! Bad Credit Repair Roadblocks Forces Big-Time Consumer Advocate To Condemn Current Credit Reporting System In Front Of Senate Subcommittee! 80% of all credit reports contain reporting errors! 25% of credit reports contain reporting errors serious enough to get your mortgage application REJECTED! U.S. Public Interest Research Group (U.S. PIRG) further......
@drwhax PAYPAL arbitrarily closes accounts, holds YOUR $$$ hostage for 180 days & hides behind Cease And Desist letters. Read their TOS.... in reply to DrWhax2010-01-27