http://www.fixmyuglycredit.com/blog Improve Your Credit & Grab The KEYS.... Thu, 09 Sep 2010 09:00:22 +0000 en hourly 1 http://1.gravatar.com/avatar/d354b1f1a19c52dc38e16128662f566e?s=48&d= http://www.fixmyuglycredit.com/blog Bad credit repair - Step-by-step strategic help people need to repair credit fast & (finally) get whatever they want that \"good\" credit demands: 1. New Home - they want the keys to their new home; 2. New car 3. Good night\'s sleep - if you have credit issues, you know exactly what I\'m talking about; 4. Freedom from debt collectors - after days and nights of debt collection phone calls, you want to yank the phone off the wall and never hear another ring again...ever again; 5. \"Real\" cell phone and not a TracPhone; 6. \"Real\" credit card and no non-secured credit card; or EVEN 7. New J-O-B! More and more employers are pulling credit before hiring. Improve Your Credit & Grab The KEYS.... Mike Payne - Bad Credit Repair Advocate http://www.fixmyuglycredit.com/blog/wp-content/uploads/2010/04/credit-repair-podcast.jpghttp://www.fixmyuglycredit.com/blog bad credit repair, credit debt, repair credit fast no Mike Payne - Credit Repair Advocate Mike@fixmyuglycredit.com http://www.fixmyuglycredit.com/blog/bad-credit-repair-podcast2/ http://www.fixmyuglycredit.com/blog/bad-credit-repair-podcast2/#comments Thu, 08 Jul 2010 09:13:41 +0000 Mike http://www.fixmyuglycredit.com/blog/?p=3146 http://www.fixmyuglycredit.com/blog/bad-credit-repair-podcast2/feed/ 1 Bad credit repair advocate Mike Payne provides FREE podcasts for your eduTainment – please leave your comments, questions and/or suggestions below! Consumer Advocate Mike Payne helps people improve their credit & grab the keys to their new homes! Bad Credit Repair – How To Remove Late Pays & Resolve Consumer Complaints! Description: Bad credit repair advocate Mike Payne shows you one insanely powerful strategy CAN remove LATE PAYS & resolve costly disputes with companies (big and small). With my strategy: You don’t waste your time on customer service reps who are trained to get you off the phone without satisfaction. It’s not their fault. They’re doing their jobs. You don’t yell, scream & risk heart attack or anger management classes. You don’t lose your money. Click Read More below now to discover how you can remove credit score-crushing LATE PAYS and nearly any consumer issue where you have been wronged. Without doubt, this is my most powerful strategy…and my friends, family, customers & I utilize it with tremendous success. SECRET WEAPON TARGETS BANK OF AMERICA Enjoy this short podcast…. For more information, click the link. What you see below are facts about late pays and unresolved consumer issues: One 30-day LATE PAY can rip your credit scores for 90+ points! FACT…. One unresolved problem with a business (large or small) can leave you angry, cheated & without the service or product for which you paid. YES, I know just how damaging late pays can. YES, I know what it’s like to fight “customer service” when you’re wronged on a product you buy, service you expect or even the bank where you bank. I’m NOT going to take it any longer…. Here’s one quick example of a consumer complaint forcing me to use this exact strategy I’m offering you – a step by step strategy for resolving ANY consumer issue for YEARS to come. It’s priceless. Not long ago, my wife called Bank of America to redeem credit card award points off one of my cards. Customer “service” people told my wife my points had expired; therefore, they couldn’t be used. Calmly, I took the phone since it was my card. Of no surprise, they gave me the same answer, even when the same answer came from two different supervisors. Of course, I wasn’t going to throw in the towel. On this one card, I had enough bonus points to cover TWO ROUND-TRIP plane tickets to anywhere in the world. You’d better believe it was worth it, even if I didn’t value 2 plane tickets. I logged all names, titles & ID numbers of all people with whom I spoke, never losing my cool or wasting more time than necessary to confirm I had tried to resolve at front lines. I took all of 10-15 minutes to throw together my assertive response to the right people at the right time using the right words…and sending to them in the right way. The “right” way? YEP, there’s a right way. I’m telling you; I have this system down really well. All’s well that ends well! Of no surprise, within HOURS, not days or never, I received response from someone inside the bank PRESIDENT’S office. This very nice lady apologized profusely and resolved my concern to my complete satisfaction. In fact, she included a gift for my “trouble” that nearly exceeded my reason for taking up arms in the first place. She thanked me for the way I handled the situation, actually stating she wished other people knew how to redress issues. Lo and behold, I decided I was going to teach others how to remove late pays and address ANY consumer issue. You don’t need to get anger or throw your hands in the air, disgusted with the “system.” The system is fine. It really is, except for the fact many business decision makers REMOVE common sense decision making from front line customer service reps and supervisors. No special treatment…either! Let me dismiss the thought you might be having [...] Bad credit repair advocate Mike Payne provides FREE podcasts for your eduTainment – please leave your comments, questions and/or suggestions below! Bad Credit Repair – How To Remove Late Pays & Resolve Consumer Complaints! Description: Bad [...] Bad Credit Repair Advocate Mike Payne 2:02 bad credit repair repair credit fast bank of america no http://www.fixmyuglycredit.com/blog/bad-credit-repair-debt-collectors/ http://www.fixmyuglycredit.com/blog/bad-credit-repair-debt-collectors/#comments Thu, 01 Jul 2010 09:37:47 +0000 Mike http://www.fixmyuglycredit.com/blog/?p=3163 http://www.fixmyuglycredit.com/blog/bad-credit-repair-debt-collectors/feed/ 0 Bad credit repair advocate Mike Payne provides FREE podcasts for your eduTainment – please leave your comments, questions and/or suggestions below! Consumer Advocate Mike Payne helps people improve their credit & grab the keys to their new homes! Enjoy this short podcast…. For more information, click the link. Bad Credit Repair – Don’t Pay Off Debt Collectors Until You Hear This! Description: Paying off a debt collector the wrong way will waste your money and drop your credit scores. Daily, I receive calls from people faced with debt collectors who call and call and call. Some debt collectors professionally do their jobs. They don’t scream, lie & threaten. Some debt collectors harass, threaten, lie & call your neighbors and family. Oh yes, some will and some do. Before you pay a debt collector even one penny, confirm you run this alleged debt through my sniff test: Is the debt yours? Is the debt accurately reported? How old is the debt? Don’t look on your credit reports for the date? Furnishers illegally re-age debt all the time to extend harassing you. Is the debt outside statute of limitations (on collecting)? Is the debt collector calling you on it? Do you have anything to lose or gain by doing anything about the alleged debt? That is, do you want something that demands you settle this alleged debt? Do you understand why your credit scores DROP when you pay off a debt collector…without a proper negotiated settlement? As bizarre (and illogical) as it sounds, you hand over your money and your scores drop! Worse, you hand over your money, your scores drop AND another debt collector hits you up for the same debt. Forget trying to talk to these guys. You don’t talk to debt collectors. You know your rights and HOW to fight back should you encounter an aggressive debt collector. What 8 costly, dangerous credit/credit repair mistakes do people make? Glad you asked. On my latest DVD, I review the exact 8 SECRETS TO A 680 CREDIT SCORE! Quickly, you will see the 8 common, dangerous & costly credit mistakes I see people make, killing their credit even further and stealing their money. Most of all, credit issues keep people from getting exactly what they want from “good” credit. If you have credit issues, check out this dvd. You will be glad you did. I assure you…. Bad credit repair demands you put your money away and not give a debt collector even one penny, until you understand HOW to settle accurately reported debt . What questions do you have about debt collectors and handing your money to a debt collector? Scroll down and ask your question, leave a comment or share an experience you’ve had. Thank you! Related Posts 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 Law Repair Destroys Sneaky Tricks Used By Debt Collectors To Hold You Captive & Steal Your Money! Credit Law Repair lifts your spirits against debt collectors, empowering you to fight back against creditors & debt collectors' tricks and traps to keep your credit scores LOW! Debt collectors are relentless! They call and call and call, sometimes using "Free Trip" on your Caller ID just to get you...... Bad Credit Repair OR Consumer Issue - One Powerful Secret Removes Late Pays & Resolves Consumer Issues! (podcast) Bad credit repair advocate Mike Payne provides FREE podcasts for your eduTainment – please leave your comments, questions and/or suggestions below! [/caption] Enjoy this short podcast…. For more information, click the link. Bad Credit Repair - How [...] Bad credit repair advocate Mike Payne provides FREE podcasts for your eduTainment – please leave your comments, questions and/or suggestions below! Enjoy this short podcast…. For more information, click the link. Bad Credit Repair – Don’t [...] Bad Credit Repair Advocate Mike Payne 3:04 bad credit repair, repair credit fast, debt collectors no http://www.fixmyuglycredit.com/blog/free-credit-report-podcast3/ http://www.fixmyuglycredit.com/blog/free-credit-report-podcast3/#comments Thu, 24 Jun 2010 09:16:10 +0000 Mike http://www.fixmyuglycredit.com/blog/?p=3158 http://www.fixmyuglycredit.com/blog/free-credit-report-podcast3/feed/ 1 Bad credit repair advocate Mike Payne provides FREE podcasts for your eduTainment – please leave your comments, questions and/or suggestions below! Consumer Advocate Mike Payne helps people improve their credit & grab the keys to their new homes! Enjoy this short podcast…. For more information, click the link. Bad Credit Repair – How To Remove Late Pays & Resolve Consumer Complaints! Description: Bad credit repair advocate Mike Payne pulls the curtain back on “free credit report” websites and shows you where you really can grab your credit reports…100% free! For entertainment, I enjoy the “free credit report” pitch ads. The jingle, “F-R-E-E…that spells free…freecreditreport.com-baby” Yeah, Baby…love that jingle. Once it gets in your head, it’s like some voo-doo Neuro-Linguistic-Programming message compelling you to pull out your credit card, turn off your brain & order your “free” credit reports. In this case, free is not free! Please hear this: Your credit reports are not free at these websites. Only ONE government-mandated website offers 100% free credit reports but no free credit scores (if you want your scores, you’ll pay ~$8 bucks x 3 bureaus: Experian, Equifax & Transunion) Beware credit scores touted as FICO scores. In essence, they’re “FAKKO” scores. In other words, they’re not accurate. Now, if you are working on your credit, you absolutely need to monitor your credit to confirm violations. That is, when you dispute the bureaus don’t always mark the disputed account “in dispute” and some Furnishers do not stop collection attempts. This is a violation of federal law. There’s more to it than this, and I give you the step-by-step in one of the training guides complete with video. For now, though, please understand there’s only one official website providing 100% free credit reports. What 8 costly, dangerous credit/credit repair mistakes do people make? Glad you asked. On my latest DVD, I review the exact 8 SECRETS TO A 680 CREDIT SCORE! Quickly, you will see the 8 common, dangerous & costly credit mistakes I see people make, killing their credit even further and stealing their money. Most of all, credit issues keep people from getting exactly what they want from “good” credit. If you have credit issues, check out this dvd. You will be glad you did. I assure you…. Want 100% FREE credit reports? Go to www.annualcreditreport.com. You can grab your full, 100% FREE credit report from each of the credit big credit reporting agencies: Transunion, Experian & Equifax. Note: you receive your reports free, not your scores. If you want your scores, you’ll pay around $8.00 per bureau (that is, ~$24 bucks).  Scroll down & leave me a comment or ask me a question if you don’t know what I mean by monitoring for credit reporting agency (aka “BIG 3″) and/or debt collection “violations.” Bad credit repair requires credit monitoring. I’m not slamming credit monitoring – rather, I’m slamming the sales technique used to sign you up. Free credit report websites rely on cute jingles and an old guy pounding ground hogs back into their holes to sign you up for monthly membership. Credit monitoring and convenient access to your reports helps you improve your credit, minimize damage from ID Theft & prove violations perpetrated by debt collectors and credit reporting agencies. Related Posts Bad Credit Repair Secret Helps You Improve Your Credit & Grab Keys To Your New Home! (podcast) Bad credit repair advocate Mike Payne provides FREE podcasts for your eduTainment – please leave your comments, questions and/or suggestions below! [/caption] Enjoy this short podcast…. For more information, click the link. Bad Credit Repair - How To Improve Your Credit When No One Will Give You Credit! Description: Bad...... Bad Credit Repair Panics Young Woman To Tears! Bad credit repair has hit [...] Bad credit repair advocate Mike Payne provides FREE podcasts for your eduTainment – please leave your comments, questions and/or suggestions below! Enjoy this short podcast…. For more information, click the link. Bad Credit Repair – How To [...] Bad Credit Repair Advocate Mike Payne 1:23 bad credit repair, repair credit fast, freecreditreport.com, free credit reports no http://www.fixmyuglycredit.com/blog/bad-credit-repair-podcast1/ http://www.fixmyuglycredit.com/blog/bad-credit-repair-podcast1/#comments Thu, 22 Apr 2010 18:12:06 +0000 Mike http://www.fixmyuglycredit.com/blog/?p=3134 http://www.fixmyuglycredit.com/blog/bad-credit-repair-podcast1/feed/ 2 Bad credit repair advocate Mike Payne provides FREE podcasts for your eduTainment – please leave your comments, questions and/or suggestions below! Consumer Advocate Mike Payne helps people improve their credit & grab the keys to their new homes! Enjoy this short podcast…. For more information, click the link. Bad Credit Repair – How To Improve Your Credit When No One Will Give You Credit! Description: Bad credit repair advocate Mike Payne shows you how to improve your credit scores 25-75 points quickly, easily and (more importantly) LEGALLY. Every day, I hear from people who want something that improved credit demands. Naturally, most people hope I have the “easy button” for them, with some people genuinely disappointed when I tell them there is NO SUCH THING as a credit repair easy button. What is your “it”? What do you want that demands “good” credit? Most people want: New Home – they want the keys to their new home New car Good night’s sleep – if you have credit issues, you know exactly what I’m talking about. Freedom from debt collectors – after days and nights of debt collection phone calls, you want to yank the phone off the wall and never hear another ring again…ever again. “Real” cell phone and not a TracPhone “Real” credit card and no more secured credit cards – you want to rent a car or book a plane seat. Sorry, they don’t accept cash. To be fair, some people can’t even qualify for a secured card. Employers Reject Bad Credit Applications…yes, they can! Perhaps more seriously, more and more people can’t get hired with bad credit. If you haven’t heard, more and more employers are checking credit before hiring. In their minds, your credit translates into whether you can do your job well enough…without distractions. Obviously, employers pulling credit want to hire people without credit issues. However, I believe there’s a better way to handle credit issues with prospective employers…and so does a top HR Director who has many years’ experience hiring people. In the 2nd issue of my newsletter THE BIG EXPLOSION this top HR Director confirms my strategy and provides tips of which I hadn’t thought. It’s powerful and proactive – much better than crossing your fingers and hoping HR doesn’t pull…doesn’t see…or doesn’t care. That’s a horrible strategy. From employers, I hear this and other reasons (explanations). Bottom line: with your permission they can pull your credit and reject your application based on credit…if they choose. Where do you start improving your credit? You start with your credit reports from this 100% free credit report site – this is the only 100% free site with no strings attached. Next, you grab my DVD 8 SECRETS TO A 680 CREDIT SCORE! Quickly, you will see the 8 common, dangerous & costly credit mistakes I see people make killing their credit even further and stealing their money. Bad credit repair requires YOU decide if what you want is worth improving your own credit. Unfortunately, you cannot rely on a credit (dis)repair company improving your credit. After more than 10 years searching for a legit credit repair company, I still haven’t found one. Related Posts 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, [...] Bad credit repair advocate Mike Payne provides FREE podcasts for your eduTainment – please leave your comments, questions and/or suggestions below! Enjoy this short podcast…. For more information, click the link. Bad Credit Repair – How To [...] Bad Credit Repair Advocate Mike Payne 1:53 Bad Credit Repair, repair credit fast, credit repair no