“Repair credit fast promises cost me lost time and money,” says Tasheba M. of Orlando, FL. “Within 41 days, I added 74 points to my credit score. The best credit for me is the credit that never gets in the way of my life.” -Tasheba M. Orlando, FL
Tasheba is 100% dead on!
People spend time debating credit scores, when the BEST score is the transparent credit score that allows you to live your life without ever thinking about your credit scores. That 3-digit score is worthless! Don’t worry about some number.
All that’s important about credit scores is for that 3-digit number NEVER to get in your way!
For years, I’ve helped people improve their credit. What started as one detailed email lesson to one subscriber of my Credit-Success list has grown into thousands of subscribers, a membership site with a monthly newsletter & a book and videos.
With each lesson, I focused on responding to specific questions about credit & credit repair issues subscribers emailed me.
Subscribers asked about removing LATES; how to stop nasty debt collectors’ threatening phone calls; how to settle collections without getting screwed; how to add good credit & what kind of good credit to add.
And on and on.
Yet, most people didn’t even know what credit problems they had. All they knew was credit rejection, payday loans & living off cash. Many couldn’t get a checking account.
For all they knew, their credit problems condemned them to a life prison term.
They were amazed when I began sharing step-buy-step, easy-to-understand solutions to their credit repair problems. Below, I’ve grabbed 29 common credit issues cracked open in my book, The Busy Person’s Credit Makeover.
Click “read more” to see the 29 most common credit issues subscribers have asked me.
- How the “Goodwill Letter” strategy can permanently delete your late payment “black marks,” save you thousands of dollars in interest payments, and even have your creditors reimburse the postage money you used! (page 5)
- The 6 essential components you MUST KNOW about the Goodwill Letter. If you follow this simple checklist you are well on your way to deleting 75% of the harmful items on your credit report, and dramatically raising your credit score in the process! (page 6)
- The TRUTH about the Joint Account Holder strategy. Is it true that all you have to do is get added onto a friend or family member’s account in good standing, and you will reap the rewards of their good credit? Don’t even THINK of using this strategy until you’ve read this section! (page 10)
- The SINGLE easiest strategy for exploding your credit scores within 30-45 days. PLUS – exactly what time in the month to pull your credit so your scores are as high as possible! (page 10)
- How, within 62 days, you can be ready to get the keys to your new home or car, be approved for whatever credit card you desire, go after that job promotion or new job without worry, never be embarrassed about your bad credit situation ever again, or just get a good night’s sleep!
- Discover how James and Julie Metcaff used The Busy Person’s Credit Makeover system to explode their credit 211 points and buy the home of their dreams! And how YOU can do the same!
- How to INSTANTLY improve your credit profile, encourage potential creditors to flood your mailbox with genuine pre-approved credit offers, and have bankers tripping over themselves to earn your business, using just ONE simple strategy! (page 12)
- The power of the “PDF Factor” and why you shouldn’t give your debt collectors a red cent until you discover what it is!
- The TRUTH behind the so-called “free” sites where you can pull your credit report (like the ones you see on TV!) and the only “government approved” websites you SHOULD be going to… (page 19)
- How to become an expert at reading and deciphering your credit report in minimum time. Best Part – it will allow you to spot inaccuracies and flaws quickly and easily, making the credit boosting process infinitely easier! (page 20)
- How to ruthlessly and permanently delete inaccurate items from your credit report… my patented “mining for deletions” technique will make this brain-dead EASY for you… (page 27)
- The SECRET behind finding a “deletion in a haystack!” This 1-2 punch strategy uses the credit bureau’s strength against them… kinda like credit repair jiu-jitsu!
- Have you, or have you thought about talking to your debt collectors over the phone? If you have a collection, here’s why doing so is a DEATH TRAP for your credit rating! Here’s how you should handle your collections instead… (page 32)
- Forget boiler plate dispute letters from some CD Rom course at the office supply store… Here is everything you need to know to write a credit dispute letter that will get results! This is more effective than having your own credit attorney!
- How to soften up debt collectors and the credit bureaus with a crisp jab, then follow it up with a vicious cross for the knockout! Debt validating is the most misunderstood part of disputing errors on your credit report, but once you understand how powerful it is, it’ll be your 1-2 knockout combination! (page 35)
- The critical order in which you must attack your creditors and the credit bureaus. Do this correctly, and you’ve got state and federal law on your side. Do it out of sync and watch your hopes of raising your credit score get crushed… (page 35)
- Did you know that a debt collector’s favorite strategy to squeeze money out of you… is ILLEGAL? Here’s what it is, and exactly what to do about it in order to catch these weasels red-handed! (page 33)
- How to enlist the “Feds” to help you battle your debt collectors and the Big 3 credit bureaus! (page 40)
- The 3 most common credit reporting errors and how you can avoid them! PLUS – how to turn the tables on the credit bureaus and your debt collectors! Use their treachery against them to create enormous boosts in your credit rating…
- The slimy intimidation tactics that debt collectors will use to get you on the phone, get your bank account information, and try to scam you out of your money! You don’t have to let yourself get bullied once you know what these tactics are, and how to handle them! (page 44)
- Discover the little known, but highly powerful “MOV” technique, and how to use it to shake off those really stubborn inaccurate accounts! (page 53)
- Here’s the ONLY time you shouldn’t fire off dispute letters to your creditors about your Charge-Offs. If you don’t know when this is, you may very well stir up a hornet’s nest of trouble!
- Bankruptcy means an automatic low credit score, right? WRONG! Here’s the most overlooked but easiest way to boost your credit score, despite having an ugly bankruptcy on your record!
- Did you know that you may be paying off a bad debt that you no longer owe on? Here’s what you need to know about the two different Statute of Limitations that exist, and how they can save you thousands upon thousands of dollars!
- When you can tell a debt collector to “shove it” and not suffer any consequences! Once you understand what your creditors can and can’t do within the law, you’ll know exactly when to play the “friendly consumer” and when you can literally TELL them to go to hell!
- 3 essential letters that will save you from a debt collector’s noose. Not only will these letters save you untold amounts of future interest payments, they will dramatically increase your FICO score (page 57)
- Are you sending your dispute letters to the credit bureaus with the correct mail delivery? This one tip alone could mean the difference between you getting your letter read, and having an office administrator toss it in the garbage!
- 3 dispute letter tips that the boiler plate credit repair programs will NEVER tell you about… but works like a charm every single time!
- A comprehensive credit glossary containing 27 of the most commonly misunderstood words and phrases in credit repair. If you cannot comfortably use and understand these words in your communication with the bureaus, your dispute letters have a high probability of getting ignored! Don’t let that happen! (page 65)
Repair credit fast help doesn’t have to be expensive or “Ph.D required”. It should be affordable, effective & life-changing. You might want to give The Busy Person’s Credit Makeover book and videos a try. Instead of a book filled with fluff, this book and videos tackle your credit issues head-on and with specific step-by-step, easy-to-understand guidance. Get started now!
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