“My credit check with Equifax can’t be right. My scores dropped from 532 to the low 400′s! What happened? I did what I thought I needed to do to fix my credit. Please help. Thanks, Rebecca Castle”
Rebecca wanted to rebuild her credit!
She wanted the credit repair “easy button”…the same easy button everybody wants.
Rebecca thought she could pay a credit (dis)repair company to fix her credit.
She did what most people do when they ask me for a recommendation.
She threw her money at some credit repair company she thought looked good.
She came back and did not hear me say, “I told ya so.”
I can tell people all day long not to waste time or money on (dis)repair companies, but many have to go ahead and flush their money down the toilet before they “get it.”
Yes, I understand people’s “see it with my own eyes” mentality. I’m that way too.
Rebecca decided she was going to take it slow once she picked up my videos & book The Busy Person’s Credit Makeover to help her repair credit fast.
Once she came to terms with not being able to pay somebody to take her credit issues go away, she applied my step-by-step strategic credit improvement plan. Click over to the next page to discover Rebecca’s successful game plan.
REBECCA’S MIRACLE BEGINS HERE
QUESTION: “Was it because last year I paid off older hospital bills that were on my credit report? TransUnion and Experian have me between 620 and 638, and the only other credit I have is my car payment, which I’ve never been late on.”
RESPONSE 1: Rebecca, paying off the doctor bills doesn’t remove the payment history from your credit report. That negative information can stay on your credit report for seven years from the initial report of that delinquency but they don’t have to stay on your reports for 7 years.
I showed Rebecca how to recover from an uninformed move by paying off collections without negotiating first. In my book, Rebecca discovered Statute of Limitations, re-aging, etc.
QUESTION: “Also, I am an authorized user on my mom and dad’s credit cards. Does that help or hurt me?”
RESPONSE 2: YES, an authorized user account definitely will improve your credit provided your parents keep up with their bills and the payment history is reported on your credit report.
I shared secrets with Rebecca important questions both her parents and she needed to ask before pursuing this secret strategy. And most people believe this strategy is dead. Psst, don’t tell anybody that’s this secret credit-boosting strategy is alive and better than ever.
QUESTION: Will it hurt to apply for a secured credit card? If that application is denied, will it lower my FICO score? I have no other credit besides my car payment. The doctor bills that were on my credit report now are paid off. I’ve been renting my apartment for five years and been employed at the same job for four years.
RESPONSE 3: A secured credit card is a great way to rebuild your credit. However, not all secured cards are the same.
With Rebecca, we discussed which credit cards help repair credit fast? I explained why Rebecca should not randomly fill out credit applications & then cross the fingers. Rebecca discovered just how damaging inquiries are to her credit scores and how to choose credit-building strategies strategically. Rebecca also discovered why she should NEVER let “lenders compete for her business.” When I shared this with her, she couldn’t believe it, since all she would hear on TV was how beneficial it is to let lenders compete for her business.
“My Credit Check Left Me Feeling Hopeless Until I Discovered The Real Secrets To Repairing My Credit!” –Rebecca Castle. Don’t think you have to tackle everything bad about your reports in one sitting. Concentrate on what’s bad and what needs to happen to fix what’s bad. And then, take one step at a time. That’s it. It’s not a full-time job. It’s one step at a time.
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