Repair Credit FAST!

Repair credit fast demands 5 secrets to “life” repair before Brian & Kate H. of California can focus on 8 Secrets To A 680 Credit Score!

Okay, bad credit is dragging you down.

All of us here understand how that works.

However, before you think about firing off a bunch of worthless dispute letters…or worse, wasting money on a credit DIS repair company, hear me out.

I’ve been at this a LONG time.

I personally have suffered from bad credit.

For over 10 years now, I have worked with people with bad credit.

Here’s what Brian & Kate H. of California experienced. Here’s what they discovered about credit repair and life repair.

What they share with you about “before” and “after” priorities might surprise you.

The 8 secrets to a 680 credit score pleasantly will surprise you, especially if you think it’s hard or impossible to score a 680 and stop getting rejected!

Head, health, family & faith BEFORE credit!

Before you commit to 8 “credit repair” secrets, you first must focus on 5 “life repair” secrets.

Stay with me – this will become crystal clear as you keep reading.

Life caught Brian (and his family) by surprise.

…unpleasant surprise, that is.

And in typical fashion, when it rains it pours.

What happened to Brian and his family usually destroys most families, resulting in health problems, divorce & bankruptcy.

Brian used to be 810 (middle credit score). His wife, three kids and he lived in a nice home; his wife and he drove nice cars & they vacationed more than two “weaks” out of the year.

He had a good job; his wife had a good job; they made good money; they both had good credit; and they had a great life.

Brian could get anything he wanted from good credit. No problem. He could get the best deal on anything he wanted; he had the credit and the cash. Life was GREAT!

And then it happened. Brian’s life began to cave in around him.

After 9 years of work at the “company,” Brian lost his job exactly at 10:20 AM on a Thursday morning with just a one-month severance.

One month and no insurance and no thank-you for 9 productive years.

Months after Brian lost his job, he contacted me. Brian felt obligated to tell me how that day unfolded, describing it as if it were yesterday.

I listened.

He told me he arrived at the office just like all the other days. Business wasn’t as good as it had been. He knew that. Business wasn’t good for anyone, it seemed.

He was up the ladder in Sales, he said.

He was safe, so he never saw that Thursday coming.

He told me he recalls walking in that day and feeling something different…something was not right. It was as if his colleagues knew something he didn’t know. Brian recalls Suzi at the front desk looking away while greeting him.

She never did that, Brian recalls.

And then it happened. Brian’s supervisor Becca called him to her office. Once there, Brian recalls seeing two other people, one a stranger who said his name was Bill something from HR and a security guard who said nothing.

The three sat down at the conference table, Brian sitting at one end as his supervisor and HR sitting at the other end. That was strange, Brian recalls. The security guard, like a statue, stood by the door. In a fleeting second, Brian’s mind raced through the entire morning and all the “strange” events.

At the time, he didn’t see any strangeness.

It was then that it hit him. Before his supervisor spoke, Brian turned to his supervisor (a friend) and remembers barely able to talk, “Are you letting me go?”

Before Becca could respond, Bill from HR rushed in, “We’re sorry, Brian, times are tough…..” That’s all Brian recalls hearing. The rest he doesn’t recall.

He kept looking at Becca, who wouldn’t look at him. She sat there staring toward the door and the security guard.

“…one month severance….”

“…clean out your desk…”

“…anything we can do for you….”

“We’re sorry….”

Becca got up, Brian recalls, giving him a sort of hug and pat as he sat there, stunned…not able to look or talk. He sat there.

Brian just sat there….

…with the HR guy fidgeting with papers, visibly uncomfortable.

“I don’t even recall much of that sit down,” Brian told me. The next think Brian recalls was the HR guy giving him a bunch of paper and asking him to go through it.

“I asked him if it could wait and he said I needed to get it done.”

At that moment, Brian returned to his office to clean out and leave, escorted the entire time by the no-name, no-talking security guard.

Brian’s world crumbled before his very eyes.

Just like that, it was over. Nine years and poof, it was gone.

And just like that, Brian’s credit crumbled too.

Two incomes become one income. Over the next 9 months, Brian’s family grew stronger as their finances grew weaker.

Brian’s wife Kate, whose hours and income were cut, tried to carry them as Brian desperately searched for work.

Brian & Kate fell behind on their house and their two cars. Just like that, Brian’s 810 middle score dropped as quickly as the stock market and everyone’s 401K and home values.

Sound familiar? Can you relate to Brian and Kate? Did you once stand on top of your own mountain…king of your own little world and then poof it was gone?

Brian & Kate never gave up on each other or their family.

Yes, they lost their house (short sale). Yes, they lost their cars (voluntary repos). Yes, their lifestyle changed overnight…no more dinners out…no more weekends away…no more lawn service. And yes, they lost some friends too.

All this BAD did not stop Brian and Kate…though it definitely affected them.

However, and you need to know this, Brian and Kate’s marriage never wavered. Brian told me they grew stronger as a family. Kate never blamed Brian.

They were a team and they stayed together. The kids never screamed about what used to be their lives. They stuck together as a family and life slowly began to improve as money wasn’t so tight.

Here’s something I want you to hear from me: I have faced personal tragedy as well. For years, I have worked with people facing personal tragedy. In my mind, here’s what determines your bounce:

1. How well you keep your head. Anger, pity & desperation go with the territory. Get angry fast and move on. Feel sorry for yourself quickly and move on. Suffer at least one panic attack and then get busy cutting all expenses except absolutely necessary expenses.
2. How well you keep your health. You will do no one any good if you drop dead from a heart attack. as it will if you believe it will.
3. How quickly you develop and implement your emergency plan so you can focus 100% on getting a better position.
4. How well you remain steadfast to your faith (and your like-minded network who care about you).
5. How well your family sticks together. In my mind, this is #1. I have witnessed more divorces and destroyed families over money. Dammit, it’s JUST money. It’s JUST stuff! Do NOT lose your family over a damn job and money.

Brian (and Kate) believed their lives would become even BETTER than their lives had been before “the day”!

Sure enough, it happened!

Eventually, Brian returned to work…an even better position with better income potential. He admitted on the phone he suffered dark days when he never thought he’d find a similar position.

Change is good, Brian states!

You might be surprised to hear that Brian and Kate are still renting and driving older, cheaper cars.

Turns out, something remarkable happened to Brian & Kate – they realized their “stuff” doesn’t matter to them. Turns out, Brian & Kate didn’t lose any friends at all – they were never friends after all.

It took a tragedy to create a BETTER life for Brian, Kate & the kids.

Brian’s life is more fulfilling.

Kate’s life is “richer.”

Their kids are happy with what they NEED.

Psst, it’s Credit Repair time….

Naturally, Brian and Kate didn’t want to deal with their credit.

I understand. Who wants to confront something that is bad, even if you have to. Once Brian & Kate began recovering, they knew they had to to face their bad credit.

This reality wasn’t going away.

They didn’t want or need anything from credit…yet.

They wanted the phone calls to stop. In their minds, they wanted to be “whole” again.

(NOTE: This is something different for me. Rarely do I encounter people who want to improve their credit to be “whole.” Mostly, I hear from people who want something that improved credit demands. In my experience, people only [perhaps I mean "mostly"] get serious about their credit when they want something.)

To improve their credit, Brian did what most people do. He hired out his credit repair. However, Brian & Kate experienced exactly what I personally along with 100s of real estate customers (and now 1,000s of people to this website) have experienced: credit disrepair companies don’t work….

Credit (DIS) repair companies don’t work!

Brian paid not one but 3 different credit “repair” companies. After the third, Brian and Kate accepted defeat (and loss of money) and turned their search in a different direction.

That’s when I met Brian.

That’s when Brian called me after reading this very blog for many straight nights.

When Brian called me, he admitted to calling just to see if I’m a real person.

Brian flat out asked me, “What’s the catch with your DVD?

“Is it a gimmick sort of CD or what’s the small print?” he said matter of factly.

My DVD 8 Secrets to a 680 Credit Score! is no gimmick!

On the phone, Brian told me his credit issues.

One by one, I addressed Brian’s options.

Already, Brian had wasted close to $1,000 on 3 different credit repair companies. Brian didn’t care to hear that secret #8 is all about credit disrepair companies — why they don’t work!

Brian grabbed my DVD. For the next 3 months, he stayed in touch regularly, asking questions while staying committed.

Brian took my first 3 newsletters, each addressing different credit repair and credit improvement strategies.

By the end of 3 months, Brian’s and Kate’s individual credit scores jumped from low 500′s to 675 (ish). To Brian, this was a miracle.

Brian discovers 8 powerful, proven credit improvement strategies:

Secret #1 Quickly & Easily Adds 25-75 Points To Your Credit Scores…Without Costing You Even One Penny! Watch the video above to discover how to take instant advantage of this powerful credit-boosting secret…now! How one phone call is all it takes to add a quick, easy 25-75 points to your credit scores..
How the BIG 3 are using “FICO ’08″ to stomp out AU fraud.

Secret #2 Quickly & Easily Adds ANOTHER 25-75 Points To Your Credit Scores! How to add one (or more) powerful credit accounts to your credit reports…even if you’re one day out of bankruptcy! Why you must increase your “high-credit” limit to improve your credit scores. Which companies will not scam you by making “too good to be true” offers.

Secret #3 Shows How One Small Change To Your Credit Card Use Adds Up To 75 Points To Your Credit Scores…Quickly! 9 out of 10 people contacting me are shocked at how simple this credit score-boosting secret really is. Those same 9 out of 10 people had no clue this “secret” even affected their credit scores!
How the FICO scoring algorythm hammers you for not knowing the truth about credit cards. How this one simple truth typically hands people a 50-90 point score boost.

Secret #4 Pulls The Covers Off One Powerful Letter That Removes Point-Sucking Late Pays (And More)…Easily And Quickly! This letter magically gets CEOs wanting to help you improve your credit or resolve your “issue.” You can get LATE pays removed using this letter. You also can use this same letter for more than credit improvement. Recently, I fired off one of these letters to recover the 50,000 bonus points Bank of America tried to steal from me. That one letter put about $692.00 into my hands. This is just one example! Once you get your hands on this exact letter, you will use it again and again. How to compose this letter for maximum “punch.” Get this wrong and your letter hits the trashcan. How to get your letter into the right person’s hands as quickly as possible. This is not as easy as it might seem but I’ve figured it out. How to force decision-makers to want to help you. Pissing people off will not get you what you want. Make them want to give you what you want is what I’ll show you. How just one tiny twist in my mailing strategy cut the response time in HALF!

Secret #5 Reveals The Nasty Truth About The BIG 3 Credit Reporting Agencies & Why The Bureaus Do Not Want You To Improve Your Credit Scores…Without A Fight! How the credit bureaus ignore your VALID dispute letters…and get away with it with most people. Why you should never fire off template dispute letters you download off the Internet. Why you should never dispute accurately reported accounts…depsite what many credit “repair experts” tell you. How to force the Big 3 to take your disputes seriously.

Secret #6 Reveals The Shocking Truth About Paying Off Debt Collectors. How To pay a debt collector the “right” way. How paying a debt collector one penny will not improve your credit scores…regardless of what they “tell” you. How to determine whether or not you should even pay a debt collector!

Secret #7 Reveals One Common Debt Collection Trick Used To Destroy Your Credit Scores…Without You Knowing It! How debt collectors trick you into resetting the statute of limitations on unpaid (bad) debt. How debt collectors illegally extend collection time and get away with it.  How to spot an illegally reported account on your credit reports and turn the tables on the debt collector. It’s easier than you might think.

Secret #8 is a MUST-KNOW secret costing people $1,000s each year, getting them sued & destroying their dreams. How to avoid getting scammed by a credit (dis)repair company.  How credit (dis)repair companies trap you into paying them $299.00 setup fee and $99.00 /month…forever! How credit (dis)repair companies get you SUED!

Brian and his wife are recovering from their own shattered lives. They have hope. Brian never had given a second thought about credit. It always was there for him when he needed it. No doubt, Brian never expected to lose so much. Who does? Every day, I talk with people who never ever expected the collapse…the job loss…the loss of their home…their car(s)…their credit…their peaceful, normal lives…and in some extreme cases their HOPE.

To grab your own copy of my DVDD,
go to the top right of this page.

Do it now, but only
if there’s something you really want….

Hopefully, you and your loved ones have weathered this financial storm with your health and family intact.

Please stay together…fight together…and win together!

As you may or may not know, my main business is real estate. In the Sarasota-Orlando, FL, area I help homeowners avoid foreclosure. I work with buyers and sellers not facing foreclosure as well.

I face tragedy every day when I meet with people – real people with children- who are losing their homes.

Even when I help them avoid foreclosure (short sale), they still lose – they LOSE their home.

Even worse is when financial tragedy rips families apart. With my very own neighbors, I knew something was wrong. The husband didn’t come home any longer. Only occasionally did I see his car at the house to pick up his little girl.

Little did I know they were in the midst of a nasty divorce AND foreclosure.

Only after the wife was forced by the Sheriff to move out did I discover the extent of their problems – when the wife stopped by our house just the other day.

Losing family is the REAL tragedy!

I have faced foreclosure 2 times on investment properties.

YES, I know what it’s like to experience severe stress. Still, it’s just a house. Credit scores go up and down. You can fix credit and live okay with bad or even ugly credit.

You can buy another house…even with bad or ugly credit.

You can’t replace your family.

Of all the tragedies I’ve experienced in the last 3 years, by far the worst ones involve families breaking up with kids involved.

PLEASE scroll down and share your experience with foreclosure or financial difficulties. There’s no embarrassment or judging here. Ask me a question about credit improvement and/or credit repair. Together, we must try to help each other survive these challenging times.