Fernando's Blog

Poor Credit Scores hurt American Consumers

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Sat, 21 Nov 2009 11:07:00 -0600

Hello Friends,

I'd like to bring to your attention that complaining about the economy doesn't help create solutions in today's economy. It is time to start thinking outside the box and look at the bright future Americans have.

We Specialize in educating people in the importance of behavior on tough situations with their credit scores. We Teach people how to fight back with the (FCRA) Fair Credit Reporting Act.

We also educate people on 5 key components that make their credit scores.

1) 35% Paying on time never late

2) 30% Keeping balances on credit cards at no more then 33%

3) 15% Protecting credit history for the long hole by

applying number 1 & 2 components

4) 10% types of credit: -3 Credit cards, Auto loan, Mortgage loan shows for a good credit mix

5) 10% Inquiries: don't run your credit to many times

This are key components to start building and protecting your credit worthiness.

Lets look at the FICO Pie in the US population

42% Of the population are either overpaying or don't even qualify for a purchase through credit!!

Teaching people ways through education and help them become conscious about their situation is what we specialize in.

Lets take a look at a 30 year mortgage loan:

See the diference between 620 Credit Scores and 760 for 30 years!!

Lets look at auto insurance premiums:

It makes a difference between Great credit scores and poor credit scores, Doesn't it?

How About employment rate.Most people if they don't show a good credit worthiness won't event get hired in good pay Jobs.

A) Goverment Jobs

B) Police Department

C) Retail Stores

D) Casinos

And Much More. If people in America don't show good credit worthiness, then how are we expecting to move ahead?

It's time to move Americans Ahead with Education and Restoration.

Sincerely,

VR-Tech Coaching Network Founder

Credit Restoration Specialist

Fernando Ramirez

805.404.9877

PRBC Builds Credit History

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Sun, 06 Sep 2009 14:51:02 -0500

Add Money

Direct Deposit your paycheck.
Add cash at 135,000 locations.

Build Credit History

Show your payment ability.
We report your good behavior

Shop & Use ATM's

Get cash at ATMs worldwide.
Purchase with a prepaid card.

Pay Bills Online

You can pay anyone, anytime.
Pay your bills for free.

Build your Credit History
	Get Credit for Good Behavior			Annoying overdraft fees Can't Happen

Enroll in free Credit Builder and demonstrate your credit worthiness to potential creditors like landlords.

Unlike traditional banks, you'll never get an overdraft fee because you can only spend what you have in your AccountNow prepaid account.

Just pay your bills through AccountNow Bill Pay and we will automatically report your payment history to PRBC®, a national credit reporting agency.

Say goodbye to negative databases like ChexSystems that hurt how you're viewed by other financial institutions.

Credit Builder is an optional service which allows your payment history to be shared with PRBC®, a national credit reporting agency, to help you establish credit worthiness. Every time you make a bill payment with AccountNow Bill Pay, we will send your bill payment information to PRBC®, a national credit reporting agency. You can add Credit Builder when you sign up for your prepaid account or when you activate the AccountNow Bill Pay service.

Get credit for your bill pay transactions.

Build your payment history when you use AccountNow Bill Pay
Demonstrate your credit worthiness when applying for housing, credit, insurance, employment, and phone
It's simple - use AccountNow Bill Pay to pay all your bills such as rent, utilities, cable, insurance, and more
It's FREE when you activate AccountNow Bill Pay!

This is how it works:

Activate AccountNow Bill Pay and add the FREE AccountNow Credit Builder service.
Every time you make a bill payment with AccountNow Bill Pay, we will send your bill payment information to PRBC®, a national credit reporting agency.
Build a bill payment history to demonstrate your credit worthiness when applying for housing, credit, insurance, employment, phone, and utility hook-up by doing what you already do today - - paying your rent, electric, cable, insurance, and phone bills on time.
Only Bill Pay transactions will be shared with PRBC. Regular debit transactions using your AccountNow Prepaid MasterCard will not be reported to PRBC.

PRBC – Payment Reporting Builds Credit

PRBC will compile your bill payment information and create a Bill Payment Score^SM (BPS^SM). PRBC is a credit reporting agency just like Experian, Trans Union, and Equifax, but it is the first to give consumers a choice and an equal opportunity to show that they pay their bills on time.

Also, unlike the other national credit bureaus, PRBC does not charge consumers to view their own data, and does not sell mailing lists. PRBC makes money by selling credit reports for "permissible purposes" under the Fair Credit Reporting Act, with a consumer’s authorization.

You will be able to log in to PRBC.com, create a user name and password so you can review your personal file, add account information at any time -- all at no cost.

Who uses PRBC?

Home loan associations like Freddie Mac, Fannie Mae and Citicorp Mortgage use bill payment information as part of their decision-making process for home loans.

Soon, other companies including auto loan, credit card, and insurance companies may start using Bill Payment Scores to comply with the Nation's Fair Housing and Fair Lending laws.

PRBC will only release your bill payment information with your permission to authorized PRBC subscribers who have a "permissible purpose" under the Fair Credit Reporting Act to view it.

Paying bills can help consumers qualify for a loan. As an example, a consumer may be eligible for an FHA loan if that consumer can demonstrate they have 12-months of consecutive on-time bill payments that include a housing payment such as rent or a mortgage, and at least 3-other bills such as electric, cable and phone.

Credit Builder is an optional service that is made available to you at no additional cost as part of the AccountNow bill payment service. Credit Builder is only a service that provides your payment history to PRBC, a national credit reporting agency. Credit Builder does not improve or repair your credit record, credit history or credit rating. It also does not provide advice or assistance for the improvement or repair of your credit record, credit history or credit rating.

*The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. Guaranteed Approval is contingent upon successfully passing this mandatory identification confirmation. Certain fees and eligibility requirements apply.

Information provided by www.myiadvance.com:
How can I build credit history using my VR-Tech AccountNow Prepaid MasterCard?

Along with payment history, you also have the option to build actual credit history using your VR-Tech AccountNow Prepaid MasterCard. Easily access a short-term loan through your prepaid card, avoiding costly overdraft fees or pricey payday advances. iAdvance also reports to the credit bureaus, so you have the opportunity to improve your credit.

It’s as easy as 1-2-3. Here’s how it works:
1 – Establish continuous recurring direct deposit to your prepaid card.
2 – Enroll in iAdvance.
3 – Have money available to you in seconds.

How do I get an iAdvance^SM Line of Credit?

Once you establish direct deposit on your prepaid card, you will have the option to enroll in the iAdvance^SM Line of Credit. Borrow money 24 hours a day and have it loaded immediately on your prepaid card. The maximum amount available to borrow will be dependent on your direct deposits. For more information, visit www.myiadvance.com or call 1-866-782-0986 to speak to a customer service representative.

How much can I borrow?

The maximum amount of money that you can borrow under iAdvance^SM is dependent on your direct deposit amount, up to $120. Your credit limit is considered the maximum amount of money you may borrow under iAdvance^SM. Like other lines of credit, as you request money, your available limit will decrease. When the money is repaid, your available credit limit will be restored.

How do I pay back my loan?

You don't have to do anything - payments will be automatically made from your prepaid card. When the next direct deposit is made onto your prepaid card, your outstanding balance and finance charge will automatically be repaid in full. Any deposits (including your paycheck or benefit-related income, tax refund or other special one-time non-repetitive deposits) will be used for repayment.

If your direct deposit is not enough to repay the amount you owe, a partial repayment will be made resulting in an unpaid balance. iAdvance^SM will take repayment of the remaining unpaid balance from any funds on your prepaid card, including future deposits, until the amount you owe is repaid in full. You should consult the iAdvance^SM Terms and Conditions for additional repayment information.

How often can I borrow money?

You may access iAdvance^SM in $20 increments - up to your available credit limit. iAdvance^SM is designed to provide access to cash quickly and when you need it most. Since it is designed to be a short-term solution, if you use the service for more than 12 consecutive months, your iAdvance^SM account may be temporarily suspended for one pay period or 30 days, whichever is less.

Will my iAdvance^SM Line of Credit report to the 3 major credit bureaus (TransUnion, Equifax and Experian)?

Yes. Loan advances and repayment performance are reported to one, or more of the three major credit bureaus monthly. Managing your credit and making payments on time, especially after a period of late payment behavior, may help to raise your credit score over time. With iAdvance^SM you don't have to worry about getting your payment in on time - we do it for you automatically from your next direct deposit.

How much does it cost?

There is no cost to enroll in iAdvance. You only pay if we make you an advance. The cost is $2.50 for each $20 borrowed. This means that if you borrow $100, the cost (or finance charge) is $12.50. In any statement period that an advance is made, your monthly periodic statement will show a historical APR of 150%. There are no late fees or fees associated with paying your balance early. You should consult the iAdvance Terms and Conditions for more specific fee information.

You should carefully consider the costs of iAdvance. Alternative forms of short-term credit exist that might be less expensive and more suitable and advantageous to you as the borrower.

Sincerely,

Credit Restoration Specialist

Fernando Ramirez

805.404.9877

VRTech Marketing Group The Best Business Opportunity

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Thu, 25 Jun 2009 02:27:38 -0500

Not happy with your current job? Your income? Your hours?

Need extra money?

Check out the business opportunities at VR-Tech.

Why VR-Tech?

VR-Tech has set the industry standard as a company built on a foundation of integrity, character and an exceptional commitment to obtaining the best results possible for each client. You can be sure you are working with outstanding products as well as state-of-the-art support services.

What do we offer?

VR-Tech Marketing Group offers an exciting business opportunity that allows you to earn income with the convenience of a flexible schedule and very little investment. Be your own boss. Make your own schedule. As an independent sales agent, you choose the time you want to work. Stay at home. Sell online. As a company specializing in financial education, we offer a wide range of services with easy online customer enrollments. Reach limitless success. Sound too good to be true? Here's more.

Our lucrative compensation plan allows you to earn money six different ways:

Commissions from direct sales of any of our financial education services, including credit restoration, auto loans, wills and trusts or the VRTMG Prepaid card
CAB Bonuses for helping new recruits make their first sale
Financial Overrides and Leadership Bonuses from the sales of your downline Sales Agents
Field training bonuses as you help train others get a successful business start
A chance to earn even more with expense allowances and award gifts
VR-Tech provides the training, support, processing, accounting and all of the tools needed to be successful

We offer the best products on the market today!

VR-Tech offers two proven credit enhancing services to improve credit scores as well as educate consumers on the importance of good credit, and how to get and maintain it.

VR-Tech also provides other financial education services including an estate planning package complete with a Living Trust, Last Will, and Financial and Health Care Powers of Attorney. This service offers the opportunity to make plans for the future, as well as offering protection in the event of an unexpected life changing event, providing peace of mind at a superb cost.

Two additional services offered to enhance your selling portfolio are our easy auto loan program and the VRTMG Prepaid card. Both services give clients with less than perfect credit the opportunity to accomplish their financial goals and dreams.

Your success is limitless at VR-Tech Marketing Group!

Our 60-day activity requirement makes it easy to remain active and receive overrides for your first five levels. In addition, there are three generations of Leadership Bonuses available from your 6th level to infinity!

We make it easy for you to succeed by providing all of the training, support and software systems you need to monitor your sales and build your business. Only VR-Tech Marketing Group offers Sales Agents these proven tools for success!

Your very own Web site complete with all product information and online customer enrollment
Your personal online business office to manage your account information and provide you with a wide and extensive variety of business and sales reports
Information Hotline with pre-recorded sales opportunity and services information
Sales agent support office available 9:00 AM-5:00 PM daily
Weekly Business Opportunity and Training calls, in both English and Spanish
Weekly e-mail blasts with the latest information for sales agents
Monthly newsletters highlighting key sales agents and sales and marketing tips to grow your business
Local Sales Opportunity and Training seminars held regularly
Proven method of training for all new sales agents with our Field Training System program
Complete array of marketing materials available for individual or group meetings, such as business cards, banners and fliers
All of these business-building tools and resources* are available to VR-Tech Marketing Group Sales Agents absolutely free of charge!
*except marketing materials ordered through our printing service

Becoming a Sales Agent with VR-Tech Marketing Group is simple. Just click the online enrollment button or complete the mail-in form and you will have taken the first step towards being the CEO of your own company. For just $199, you can enjoy the benefits of a flexible schedule and the freedom of having your own business.

Join us today so that you can begin helping others realize their dreams of financial independence!

Watch the VR-Tech Marketing Group Business Opportunity video to learn more about how you can earn extra income

Click Here to view the business opportunity video.

** Coming Soon **

Interested in becoming an Independent
Sales Agent of VR-Tech Marketing Group?
[Click here] to enroll today and start earning!

Hear from others who have already started earning with VR-Tech Marketing Group!

	I had terrible credit until joining United Credit in April of 2006. The zero complaints the company had with the Better Business Bureau was so impressive and unbelievable I had to go to the corporate office and see for myself. During that visit, my life was changed forever. The team of professionals was totally focused, friendly and accommodating. After that visit, I knew credit education and restoration with VR-Tech and UCES was my mission! Robert Gould, Ambassador and Qualified Field Trainer

	I love people and I love life. I always told myself that I would find a way to help others because that is what I love to do. It is my passion. I’ve spent most of my life trying to find the best way to do that. Now, I have found it. With the opportunity that I now have, I can finally provide people with the second chance at life - the one they thought they would never have. I can offer them a way to improve their family lifestyle. Together we can help their children and loved ones take advantage of a lower interest rate or finally get that loan that they could not qualify for before now. But it’s more than that. This is also a business opportunity that comes at a time when our economy is struggling. People are finding it hard to make ends meet. Together we can help them to rise above the problems that come from recession and economical difficulty. Whether you work this business on a part time or full time basis, you have the potential to put yourself, your family, friends and complete strangers in a position to flourish; to be free of financial burden. You can teach them how to reach out to help others who are struggling just as you were. For me, it’s time to live the dream. My goal in life has always been to not only help those in need financially, but to offer a gift from my heart - the gift to fly. I have always dreamed of setting up a scholarship program for kids who were interested in flying. As I continue to work each day, I never lose site of the dream that I have of someday seeing the kids I’ve helped sitting in a plane similar to mine - piloting their own planes and flying off into the sunset to their dreams. Smiley E. Wilkins, Jr.

	Not since the vision of great leaders like the late Dr. Martin King Jr., John and Bobby Kennedy, Ray Kroc, Art Williams and Hubert Humphrey have I been so excited about the potential to experience unprecedented social, economic and fiscal change for anyone who dares to dream. Here is a genuine business opportunity that is the center of all financial planning with a proven field training system. This is the one with integrity, character and vision. This is the business opportunity of the century. This is the one with the company, concept and compensation to change your life forever. Join us in this crusade and let's change the world together. In just a few short months, our T.E.A.M. and I have experienced phenomenal growth. We have readjusted our goals to project MILLIONS IN INCOME in record breaking time! Fred Sanders, Ambassador and Qualified Field Trainer

http://www.vrtmg.com/framirez

VRTech Marketing Group Master Card will help increase your FICO scores

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Thu, 25 Jun 2009 01:40:57 -0500

How It Works
	Add Money Direct Deposit your paycheck. Add cash at 135,000 locations. Build Credit History Show your payment ability. We report your good behavior.		Shop & Use ATM's Get cash at ATMs worldwide. Purchase with a prepaid card. Pay Bills Online You can pay anyone, anytime. Pay your bills for free.

What is the VR-Tech Prepaid MasterCard?

The VR-Tech Prepaid MasterCard is a prepaid card that allows our cardholders to access funds deposited to an account. Our prepaid card can be used to withdraw money or pay for goods and services.

Once you have received your prepaid card, you can make purchases anywhere debit MasterCard is accepted. You can also use it to access cash at millions of ATMs worldwide.

Unlike a credit card, which extends a line of credit, our prepaid card is more similar to a debit card. Prepaid cardholders can only spend the money they load on the card. Since no credit is extended to prepaid cardholders, interest and overdraft fees are avoided.

How do you add money to prepaid cards?

There are many ways to load money onto our prepaid card.

The simplest way to load a card is to have the funds electronically deposited. Most companies allow payroll and government checks (such as Social Security, unemployment, tax refund, and disability checks) to be directly deposited into your account. You may also add money to your account from a checking or savings account. Cash can also be used to load a prepaid card. Money transferring services, such as MoneyGram, Green Dot, or Western Union, can be used to load cash onto your prepaid card.

Why use the VR-Tech Prepaid MasterCard?

There are many benefits of using a prepaid card.

For instance, more businesses are requiring credit or debit cards when dealing with their company. Most motels, hotels, car rentals, and airlines require a major credit card to be used when making a reservation. Also, most online shopping is done using a credit or debit card. With our prepaid card, those who normally deal in cash can use their card to secure reservations at various businesses, pay bills electronically, and shop online.

Our prepaid card can be used anywhere that debit MasterCard is accepted. Some establishments even prefer prepaid cards over credit and debit cards because they assure vendors that funds are sufficient.

Who uses prepaid cards?

Prepaid cards are often used by those who don’t qualify for a checking account or credit card, usually because of bad credit or other reasons. However, prepaid cards can be beneficial to others as well.

Prepaid cards can be a useful tool for teenagers entering adulthood. For those teens looking for a way to manage their income from an after school job, prepaid accounts don’t require a minimum balance like most bank accounts. Usually requiring only a valid Social Security number; teens can set up their own prepaid account or be a second cardholder on their parent's account.

For parents, prepaid cards eliminate the frustrations that come with giving their children cash allowances. Once their child has been added as a second cardholder, parents can give them an allowance by electronically adding funds or loading cash to the account. Also, since the parent is the primary account holder, they can check the activity of the account to ensure their child is spending their allowance responsibly. Even for children who head off to college, parents can continue adding funds to the account. Friends and family, who prefer giving money as gifts, can also add funds to the account.

For some, prepaid cards can be used as a way to discipline spending habits. Since prepaid cards only use deposited funds, excessive shoppers may see them as a healthier alternative to credit cards. By using a prepaid card instead of a credit card, items are not bought on credit, eliminating the headaches of high interest rates.

Also, people trying to establish themselves after bouncing checks or filing for bankruptcy often find prepaid cards as a useful tool for getting back on their feet.

The VR-Tech Prepaid MasterCard provides a tool for keeping up in a society that is becoming increasingly dependent on electronic forms of payment.

Top Of Page

We have a track record at VRTech Marketing Group Deleting negative items

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Thu, 25 Jun 2009 01:37:17 -0500

Check Out Our Success Rate!

Credit Report Classifications	# of Deletions
Late Payments (including Late Payment History)	114,877
Collections (including Collections, Charge-Offs, Settlements, Repossessions and Foreclosures)	260,908
Public Records (including Bankruptcies, Garnishments, Judgments and Tax Liens)	45,321
Personal Info (including Address Corrections, Name Corrections, Employment History and Inquiries)	12,066
Total Negative Items Deleted as of 6/25/2009	433,172

Our Credit Restoration Service

United Credit Education Services helps give consumers who are negatively affected by poor credit the opportunity to achieve their financial goals and dreams. Our service provides the industry's most comprehensive program to consumers who have been turned down for a mortgage, car loan, credit card or any type of credit due to credit problems. Our combined expertise and state of the art technology has helped thousands of customers to improve their credit standing and lower their debt.

As a consumer, you already know that your credit score plays a significant role in your financial well being. Low credit scores can have a negative impact on many different levels. They may prevent you from obtaining needed credit such as a mortgage, school or car loan, or they may cost you a great deal of money in higher interest payments on loans, credit cards and insurance. Conversely, the higher your credit score the better your chances are of obtaining credit and loans at the best possible interest rates. If you have been denied credit, would like to lower your interest rates, or would simply like to remove inaccurate information from your credit reports, our service can help.

Why Is Our Service So Important?

Consumers may be rejected for loans or jobs based on mistakes in their credit reports and not even know it. In a recent study, 79 percent of credit reports reviewed contained either serious errors or other inaccuracies in regard to trade account and personal information. What's more, there's a one-in-four chance your credit report contains an error serious enough to cause you to be denied credit. According to recent data, identity theft strikes more than 700,000 Americans each year and is growing at the mind-boggling rate of 40 percent annually. Our credit restoration service allows you the opportunity to review your credit file and identify and proactively challenge any accounts that do not belong to you.

How Does Our Service Work?

Our team of credit analysts will perform a thorough review of all items on the client's credit reports that negatively affect their credit profile and credit score. Our clients will regularly receive customized dispute letters to review, sign and send to Experian, Equifax and TransUnion. Dispute letters may be changed or modified at the individual's request. Clients are strongly encouraged to provide any support documentation that may assist and expedite the dispute process.

Watch the credit restoration video to learn more about this amazing service!

Our Process: 6 Simple Steps

Use our easy online enrollment process to begin your service.
Forward your required identification document to our credit specialists to complete your file.
Customized dispute letters will be prepared and sent to you for your approval. If no changes are requested, sign and send your dispute letters to the three credit reporting agencies. The credit bureaus will prepare a response to your request within 30 days of receiving your dispute letters.
Forward your updated credit reports to our offices. Your file will be updated and your next set of dispute letters will be prepared and mailed to you.
Clients may modify their dispute letters upon request. This is especially helpful in the case of mixed credit files among family members, identity theft, or inaccurate information in regarding accounts that are paid off. Please call our customer support department if you have any questions.
New dispute letters will be sent every 60 days until your service expires.

Why Choose Us?

United Credit is proud to offer the industry's first proactive and interactive customer service. In short, clients receive regular progress reports detailing the status of their credit file, including the number of dispute cycles completed and the number of deleted items. Our customer support team is on hand to personally answer any questions by phone or email, or clients may choose to access their account details on line any time of day or night. Let our professionals work for you. Enroll today and join the thousands of other clients who are enjoying the benefits of improved credit.

Money-back guarantee!
Members of the BBB
Outstanding deletion rate!
Monitor your file’s progress around the clock 24/7/365
Testimonials from happy, satisfied clients

Sample Results From Some Of Our Clients*

Three Powerful Bedrock Principles of Internet Marketing!!

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Wed, 12 Nov 2008 19:26:01 -0600

Three Powerful Bedrock Principles of Internet Marketing!!

Three Powerful Bedrock Principles of Internet Marketing

Hello friends,

I'd like to share with you three principles of success that have revolutionize the way I do Business
in the Internet, I hope this helps.

Principle:

2) Discover a bait that they're biting on.

Creating a bait is having something of value to them and that can be: The need to restore credit, the need to work from home, the need to become debt free, the need to purchase a home. When you discover the need of your product, now you can pursuade someone to render your service or opportunity to. The bait is; say, if someone is looking for a home based business; give away FREE stuff and that can be FREE LEADS http://www.orangeleads.com/?id=2579 and FREE website ads.

Programs like these don't cost you a penny. I've used this system which has allowed me to have 3700 viewers to my website and about 1 to 2 daily sign ups to my www.homebasebiz.biz opportunty.

I also have another FREE program to give away.These are domain names and FREE websites to add on to their current homebased business website page or opportunity, service. Whatever your offer is. This program is a kicker because they give your prospect 7 days of FREE service wether they choose to stick to the program or not, it is given to them at no Cost to try it:

http://www.website.ws/homebasebizcoach/FIRSTNAME&LASTNAME

Programs like this are the programs that have allowed me to explode and international organization. Here is the website of our FREE domain name 10 pages of FREE website that you can customize to your needs in addition to 10 free e-mail addresses. You can brand your business with different domain names and a unique website set up customize to you.

Principle:

3) Super charge your bait with a powerful USP.

Ultimate, Sensational offer and Powerful promise. If you discover and champion your ultimate advantage, if you create a sensational offer, and if you back it up with a powerful promise, you will have done more for your business than 99 percent of all businesses in this country.

If you really have FREE stuff to give away don't lie to people about your FREE gift. be sincere about your gifts because that can be your reputation on the line.

I remember signing up to programs that didn't work for me, all they wanted was may information to through garbage daily. Systems like that never work, you become more of a liability to a legit program and push people away from the people that realy mean FREE give aways.

It has taken me time and e-mails spam to find real give away programs, but it has been worth the investment of giving away my previous e-mails.

I love what I am doing daily to help others become successful, we respect your privacy and if you are not interested that is OK!!!

If you want to take advantage of my free stuff please enjoy my free gifts and help others with them and you'll end up helping your self as well.

Your Friend,

Qualified Field Trainer
VRTech Business Coach
Fernando Ramirez
(818)626-0569
www.homebasebiz.biz = Financial Services Home Based Business
www.creditfico.info = Credit solutions
www.homebasebizcoach.com = FREE domain Names and Free Website advertising

www.orangeleads.com/?id=2579 FREE Business Leads and FREE Website advertising

Three Powerful Bedrock Principles of Internet Marketing!!

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Tue, 11 Nov 2008 15:43:08 -0600

Three Powerful Bedrock Principles of Internet Marketing

Hello friends,

I'd like to share with you three principles of success that have revolutionize the way I do Business
in the Internet, I hope this helps.

Principle:

1) Find a school of hungry fish.

it is very important to look for prospects that are looking for your product or service and that equals to working the right market. When you find the right market develop a good promoting system to explode your market and that leads to the number two principle.

Principle:

2) Discover a bait that they're biting on.

Creating a bait is having something of value to them and that can be: The need to restore credit, the need to work from home, the need to become debt free, the need to purchase a home. When you discover the need of your product, now you can pursuade someone to render your service or opportunity to. The bait is; say, if someone is looking for a home based business; give away FREE stuff and that can be FREE LEADS http://www.orangeleads.com/?id=2579 and FREE website ads.

Programs like these don't cost you a penny. I've used this system which has allowed me to have 3700 viewers to my website and about 1 to 2 daily sign ups to my www.homebasebiz.biz opportunty.

I also have another FREE program to give away.These are domain names and FREE websites to add on to their current homebased business website page or opportunity, service. Whatever your offer is. This program is a kicker because they give your prospect 7 days of FREE service wether they choose to stick to the program or not, it is given to them at no Cost to try it:

http://www.website.ws/homebasebizcoach/FIRSTNAME&LASTNAME

Programs like this are the programs that have allowed me to explode and international organization. Here is the website of our FREE domain name 10 pages of FREE website that you can customize to your needs in addition to 10 free e-mail addresses. You can brand your business with different domain names and a unique website set up customize to you.

Principle:

3) Super charge your bait with a powerful USP.

Ultimate, Sensational offer and Powerful promise. If you discover and champion your ultimate advantage, if you create a sensational offer, and if you back it up with a powerful promise, you will have done more for your business than 99 percent of all businesses in this country.

If you really have FREE stuff to give away don't lie to people about your FREE gift. be sincere about your gifts because that can be your reputation on the line.

I remember signing up to programs that didn't work for me, all they wanted was may information to through garbage daily. Systems like that never work, you become more of a liability to a legit program and push people away from the people that realy mean FREE give aways.

It has taken me time and e-mails spam to find real give away programs, but it has been worth the investment of giving away my previous e-mails.

I love what I am doing daily to help others become successful, we respect your privacy and if you are not interested that is OK!!!

If you want to take advantage of my free stuff please enjoy my free gifts and help others with them and you'll end up helping your self as well.

Your Friend,

Qualified Field Trainer
VRTech Business Coach
Fernando Ramirez
(818)626-0569
www.homebasebiz.biz
www.creditfico.info
www.homebasebizcoach.com

Financial Services Credit Restoration Home Based Business

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Thu, 16 Oct 2008 19:20:03 -0500

Financial Services Credit Restoration Business

Work Your Financial Services Business From The Comfort Of Your Own Home

Home
Credit Restoration
UltraScore^TM
VRTMG Prepaid Card* <---Make your selction

Wills and Trusts
Auto Loan
Join Our Sales Team
Not happy with your current job? Your income? Your hours?

Need extra money?

Check out the business opportunities at VR-Tech.
Why VR-Tech?
VR-Tech has set the industry standard as a company built on a foundation of integrity, character and an exceptional commitment to obtaining the best results possible for each client. You can be sure you are working with outstanding products as well as state-of-the-art support services.
What do we offer?

VR-Tech Marketing Group offers an exciting business opportunity that allows you to earn income with the convenience of a flexible schedule and very little investment. Be your own boss. Make your own schedule. As an independent sales agent, you choose the time you want to work. Stay at home. Sell online.

As a company specializing in financial education, we offer a wide range of services with easy online customer enrollments. Reach limitless success.
There is no cap to the amount of money you can earn. Sound too good to be true? Here's more.

Our lucrative compensation plan allows you to earn money four different ways:
Commissions from direct sales of any of our financial education services, including credit restoration, auto loans, wills and trusts or the VRTMG Prepaid card CAB Bonuses for helping new recruits make their first sale

Financial Overrides and Leadership Bonuses from the sales of your downline Sales Agents Regular contests and promotions to give you a chance to earn even more VR-Tech provides the training, support, processing, accounting and all of the tools needed to be successful We offer the best products on the market today!

VR-Tech offers two proven credit enhancing services to improve credit scores as well as educate consumers on the importance of good credit, and how to get and maintain it.
VR-Tech also provides other financial education services including an estate planning package complete with a Living Trust, Last Will, and Financial and Health Care Powers of Attorney.

This service offers the opportunity to make plans for the future, as well as offering protection in the event of an unexpected life changing event, providing peace of mind at a superb cost.

Two additional services offered to enhance your selling portfolio are our easy auto loan program and the VRTMG Prepaid card. Both services give clients with less than perfect credit the opportunity to accomplish their financial goals and dreams.
Your success is limitless at VR-Tech Marketing Group!

Our 60-day activity requirement makes it easy to remain active and overrides for your first five levels. In addition, there are three generations of Leadership Bonuses available from your 6th level to infinity!

We make it easy for you to succeed by providing all of the training, support and software systems you need to monitor your sales and build your business. Only VR-Tech Marketing Group offers Sales Agents these proven tools for success!
Your very own Web site complete with all product information and online customer enrollment

Your personal online business office to manage your account information and provide you with a wide and extensive variety of business and sales reports
Information Hotline with pre-recorded sales opportunity and services information
Sales agent support office available 9:00 AM-5:00 PM daily
Weekly Business Opportunity and Training calls, in both English and Spanish
Weekly e-mail blasts with the latest information for sales agents
Monthly newsletters highlighting key sales agents and sales and marketing tips to grow your business

Local Sales Opportunity and Training seminars held regularly
Proven method of training for all new sales agents with our Field Training System program

Complete array of marketing materials available for individual or group meetings, such as business cards, banners and fliers

All of these business-building tools and resources* are available to VR-Tech Marketing Group Sales Agents absolutely free of charge! *except marketing materials ordered through our printing service

Becoming a Sales Agent with VR-Tech Marketing Group is simple. Just click the online enrollment button or complete the mail-in form and you will have taken the first step towards being the CEO of your own company. For just $199, you can enjoy the benefits of a flexible schedule and the freedom of having your own business.
Join us today so that you can begin helping others realize their dreams of financial independence!

Watch the VR-Tech Marketing Group Business Opportunity video to learn more about how you can earn extra income.

Interested in becoming an IndependentSales Agent of VR-Tech Marketing Group?[Click here] to enroll today and start earning!

Hear from others who have already started earning with VR-Tech Marketing Group!

I had terrible credit until joining United Credit in April of 2006. The zero complaints the company had with the Better Business Bureau was so impressive and unbelievable I had to go to the corporate office and see for myself. During that visit, my life was changed forever.

The team of professionals was totally focused, friendly and accommodating. After that visit, I knew credit education and restoration with VR-Tech and UCES was my mission!Robert Gould, Ambassador and Qualified Field Trainer
I love people and I love life.

I always told myself that I would find a way to help others because that is what I love to do. It is my passion. I've spent most of my life trying to find the best way to do that. Now, I have found it. With the opportunity that I now have with U Can 2, I can finally provide people with the second chance at life - the one they thought they would never have. I can offer them a way to improve their family lifestyle.

Together we can help their children and loved ones take advantage of a lower interest rate or finally get that loan that they could not qualify for before now.

But it's more than that. This is also a business opportunity that comes at a time when our economy is struggling. People are finding it hard to make ends meet.

Together we can help them to rise above the problems that come from recession and economical difficulty. Whether you work this business on a part time or full time basis, you have the potential to put yourself, your family, friends and complete strangers in a position to flourish; to be free of financial burden. You can teach them how to reach out to help others who are struggling just as you were. For me, it's time to live the dream. My goal in life has always been to not only help those in need financially, but to offer a gift from my heart - the gift to fly. I have always dreamed of setting up a scholarship program for kids who were interested in flying. As I continue to work each day, I never lose site of the dream that I have of someday seeing the kids I've helped sitting in a plane similar to mine - piloting their own planes and flying off into the sunset to their dreams.
Smiley E. Wilkins, Jr.

Not since the vision of great leaders like the late Dr. Martin King Jr., John and Bobby Kennedy, Ray Kroc, Art Williams and Hubert Humphrey have I been so excited about the potential to experience unprecedented social, economic and fiscal change for anyone who dares to dream.

Here is a genuine business opportunity that is the center of all financial planning with a proven field training system. This is the one with integrity, character and vision.
This is the business opportunity of the century. This is the one with the company, concept and compensation to change your life forever. Join us in this crusade and let's change the world together. In just a few short months, our T.E.A.M. and I have experienced phenomenal growth. We have readjusted our goals to project MILLIONS IN INCOME in record breaking time!
Fred Sanders, Ambassador and Qualified Field Trainer

Fernando Ramirez

Business Coach

Independent VRTMG Agent

Qualified Field Trainer (818) 626-0569

Credit Restorartion and Education

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Tue, 14 Oct 2008 19:18:09 -0500

Education And Restoration Of Your Credit Financial Life

The Credit Pie Chart Identifying exactly what determines peoples credit fico's, is very important for everyone It helps identify what affects FICO's scores.

1) Purchasing a home

2) Purchasing a car

3) Applying for credit cards

4) Qualifying for personal loans ETC. Our goal is to understand and identify areas of credit challenges to help tackle the challenge negative items affecting credit. What makes us different then any traditional credit restoration service company? We educate and restore, in addition to having our service department service our clients credit needs. We also give access to our company website, to review challenge areas and take a snap shoot of our clients Fico scores. Reading information is always important to make better decisions in who we are going to choose to get the help needed. Log in and read the information to understand the difference between poor, good and great credit:

http://activerain.com/blogsview/705906/National-Distribution-of-FICO Understanding the differences of credit FICO's is crucial to the well being of our financial lives. Our Goal is to equipped our clients and educate them in with our service we render in addition to restoring credit. Our company website gives all the details: www.vrtmg.com/framirez

Qualified Field Trainer

Business Coach

Fernando Ramirez

(818) 626-0569

Learning four different ways to make money in your life

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Sat, 11 Oct 2008 18:04:21 -0500

4 Diferent Ways To Make Money In Your LIfe

Wednesday, October 1, 2008

4 Diferent Ways To Make Money In Your Life

Cash Flow Quadrant:

Understanding different ways to make money is so important to the life of each and one of us. Because it allows the opportunity to understand choices in life.
Do you know that most people in the world only understand one of the four ways to make money? That is why very few of us know the money game and is simple to understand it ones we know it.

98% of the people in world are broke and 2% of the people are rich. Because the 2% that understands it, learns to apply the rules of the game in the Money game.
What you're about to learn today will forever change your life!! And do the world a huge favor, let them know about the Money Game.

The Rich keeps getting Richer and the poor keeps getting poorer. The Cash Flow Quadrant was introduce in to my life 8 years ago and when I learn and apply the Cash Flow Quadrant it allowed me to diferinciate where I was and where I can be.
I will show you a Graphic of the Cash Flow Quadrant and I'll explain it to you point by point , step by step:

1) The Letter (E) on the upper left corner stands for Employee, and That applies a rule Which is, the 40, 40, 40 rule. What the rule means is. Work 40 hours a week, for 40 years of your life, to retire with 40% of what you're currently making.
Let me ask you a question, How much money are you currently making right now? Now imagine retiring with 40% of what you are currently making, Where would that put you in your life today?

2) The letter (S) on your lower left corner stands for Self Employed. Which only means you have created a JOB for your self, You've hired your own self. Now you are going to work for your self and by your self for a very long time.
If your in sales, I want you to know that you'll only be as good as your last sale you've made, which means you'll have to sale again to generate a profit again until you heaven forbid become disable or to old to work and produce!!!
If you own a MOM and POP store your store will only produce if you open it, again heaven forbid imagine you become disable what would happen to your store? Or if you're a Doctor, Dentist, Attorney a RealEstate agent ETC. And there is nothing wrong with that, we all need the services of everyone but it is a very risky way to generate a profit.

3) The letter (B) stands for Business Owneron the upper right corner and what that means is having a system that runs your business like, let say MCdonalds, StarBucks, Microsoft, Dell Computer, VRtech Marketing Group. There is a huge capital initial investment to start all of them except for one? Which is VRTech Marketing Group with a similar system like the others only that on this one is a system that you work for about 3 to 5 years of your life to build the foundation to retired for the rest of your life.
There is two ways to Start a true business with a system. One is a huge Capital and Two is working the system to teach it and to duplicate it to others that want a similar lifestyle to yours.

4) The letter (I) stands for INVESTOR. is on the lower right corner. And investor is someone that has a business system running for them, Realestate properties and Also investments in the Stock Market. And Investor is where the majority of us would like to be in but, most of us don't know of ways or we just don't believe that systems like this even exist or we simply just don't want to change our circumstances and that is exactly what most people don't want to do is to change.
Keep in mind that life will give you what ever you are willing to fight for!!
Blessings to all.
GO,GO,GO, Qualified Field Trainer
Fernando Ramirez
(818)626-0569
www.vrtmg.com/framirez

HOME BASED BUSINESS SUCCESS 3 STAGES OF GROWING YOUR BUSINESS

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Sat, 11 Oct 2008 17:59:18 -0500

Home Based Business Success

October 5, 2008
Home Based Business Success

Treating your home based business with the respect it requires is the foundation of building an empire.

When able to understand the seriousness it requires to start building a home-based business than you start to see where your business will be five years from now, ten years from now and so on.

Starting to build your home based business empire starts with a dream, a firm decision that you are going to make it work no matter what.
Your home based business will go through three cycles.

The First cycle is the work hard and make very and I mean very little money to show for! You need to put together a list of potential buyers or prospects to recruit in to your business. So the first thing that you must do is create a list of names which will be your referral base to start from there. When putting it together, prequalify the list from the happiest prospect to the toughest prospect all the way at the end. You need utlist a minimum of 50 to 100 prospects to contact. Remember a very important point, don't prejudge anyone because of financial statues or position put everyone on your list.

The second thing now is the hardest. Now is the time to make the contact to move forward, if you don't make the call you won't move forward and I mean that, ofcourse I know that it is the toughest thing to do, pick up the phone and make the call, because most of us are afraid of a famous word call rejection.
I will teach you what to say when making the call, so pay close attention and memorize this phrases, it is very important. Before making the call I must emphasize on something very important with the company you are with. Tools. If your company has the tools to present for you than now we are in business.

1) Web-site 24/7
2) Pre-recorded calls 24/7
3) Conference calls
4) Three way calls with Qualified Field Trainer
5) Live Events

Now we are in business for sure, because we have the support tools to do the presenting for you, OK, so here is the script that I been meaning to share with you. "______ This is Fernando giving you a call CHIT CHAT for a few minutes and before hanging up say, By the way _ I'd like to get your opinion on something I've started to do on the side, get your hands of your check book, I'm your buddy, I just want your honest opinion on what I'm starting on the side. I'd like to introduce you to our company web-site to get your feed back, do you think you'll have the time to review it in the next 24 to 48 hours to give me your feed back? OK_ why don't you give me your e-mail address and I'll send you a link for you to review what exactly is it that I'm doing. Your prospect might ask, Fernando can you give me a bit of feedback on what is it that you are doing? Well do me a favor if you have 2 minutes, I'd like to introduce you to our pre-recorded call for more details. Get your phone and dial your prospect in to the call. After that than tell him I'll get back with you tomorrow, ____ Would you do me a favor, don't forget I am sending you the link for you to review our entire company information and I'll call you back tomorrow.

If you do that over and over again with your prospects your business will begin to unfold before your eyes. Be sure to connect your prospect with your upline after you've used those 2 tools with your prospect so you can see exactly how your upline over comes the objections with your prospect and folks, if you do the basic steps of introducing your prospects to your tools, you'll make your trainers job much more easier.

Keep in mind a very important factor. by you making your trainers job easier, your only making your job easier, because all your doing is conecting your prospects to your tools. and the system begins to unfold. You don't need to make it hard on your self, let the tools do the work for you!!!!

After going through your list of referrals, you'll end up doing business with about 10 to 15 of them as clients and have about 3 to 5 in your business as recruits that will do what you are doing. Keep in mind rejection will be the key factor to Make you, or Brake you.

The Second cycle of your business is. Work hard and make money. Now you can do serious prospecting at this point now you are making money, you are seeing client results you are recruiting teammates you now know how to run your company system, Now you are the Qualify Field Trainer you have put all your tools to work for you, now you can start teaching the system to build your second wave of clients and recruits in to your team, keep in mind that you will need about 25 direct people in your business to find 5 key leaders to duplicate the process. Keep in mind that 20% of your people will do 80% of the work, and 80% of the people will do 20% of the work in your business and that rule applies to every organization in life.

TheThird Cycle of your business is the Living the American Dream. now you are working very little and making lots of money, at this point you have develop a system that has others in your organization doing what you did. Now they are all looking at you as their mentor, their example of what their lives will turn out to be. You'll be now sharing your life story of how you did it. Dream Home, Traveling, Public Speaking, Kids in Private Schools, Living a legacy for family and Team Mates to follow.

That is the main reason why I love our Network Marketing Industry, Beacause it allows average Folks Like you and Me to live the American Dream.

May God Make You All Very Prosperous,

Go, Go, Go,
Qualify Field Trainer
Business Coach
Fernando Ramirez
(818)626-0569
www.vrtmg.com/framirez

OPPORTUNITIES ALREADY KNOCKING ON YOUR DOOR RIGHT NOW ACRES OF DIAMONDS

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Sat, 11 Oct 2008 17:53:29 -0500

Acres Of Diamonds In Your Own Back Yard

Acres Of Diamonds In Your Back Yard

A message to everyone looking for opportunities.
I've been in business for my self for the past 14 years of my life specializing in helping others improve their fianacial quality of life. Opportunities are within us. We are the opportunity and most of us don't have the belief in our selves that we are.

Sometimes we need to borrow the belief of others, until we begin to see it for our selves, and that is the main reason why I became involved in our industry.
The leader that I started to work with early on was somebody that truly believed in me. He gave me the push to believe in my self that I could do it, until one day, I started to believe in my self and started to compete among other team mates in our office organization.

When I broke the barrier that stop me from winning, my life unfold before my eyes. I started to win trophies, medals, plaques and most importantly money.
I began to recognize opportunities in adversity. I began to see acres of diamonds before my eyes. When I use to see people, I use to duck so I wouldn't have to talk to them, but when I saw opportunity in people, I approached them, because I knew I had something that they could need in their lives and that was, Hope and Opportunity for them to change their lives.

So when I read this story and heard of this story it stunt me forever and I hope it does the same for you.
Many Centuries ago in Persia, a farmer listened enthralled while a storyteller wove him a yarn. The tale concerned something called a "diamond." According to the storyteller a diamond was a "congealed drop of sunlight," a gem so precious that any man who discovered a mine of them would be richer than any king. The farmer had never heard of diamonds before. But now that he had, he burned with desire to lay his hands on such treasure.

It happened that this farmer owned many fields and orchards. He was a wealthy man. Yet from the moment he heard about diamonds, he felt like a pauper. The one thing in life that he coveted, he could not have. The thought of all those diamonds lying undiscovered, somewhere in the world, tortured him in his sleep. So one day he sold his lands and set out on a quest. The farmer wandered through Africa, Palestine, and Europe in search of Diamonds. At last he arrived in Spain, a bitter old man, dressed in rags. Overwhelmed with despair, he threw him self in to the sea and drowned. Never once, in all his travels, had he so much as glimpsed a single diamond.

Meanwhile, back in Persia, the man who had bought his fields made a startling discovery. He found a diamond embedded in a black stone. Further investigation revealed that there were literally acres of diamonds concealed beneath his property. In time, that humble farm came to be known as the diamond mine of Golconda, the richest ever found. If only the greedy farmer had been content to stay at home in his town! The wealth would have been his for the taking.

See folks We all know now we are going through a tough economy in our country. If you only see our opportunities our country has in store you'll be able to see how many opportunities unfold before your eyes. America is hurting and there are many ways to help someone improve their lives.

Remain positive and see what you can do to help someone. I have also learn this Quote From JFK And is " ASK WHAT YOU CAN DO FOR YOUR COUNTRY, DON'T ASK WHAT THE COUNTRY CAN DO FOR YOU."

Blessings to all.
GO, GO, GO,
Personal Field Trainer
Fernando Ramirez
(818) 626-0569
www.vrtmg.com/framirez

National Distribution of FICO scores

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Tue, 23 Sep 2008 18:54:03 -0500

Credit scores: Key to the best mortgage

BEND, Ore. (CNN/Money) - You say you want to buy a house. Before you start dreaming about floor plans and chatting with real estate agents, do yourself a huge favor: Check your credit score.

Your credit score, or FICO score, is a rating created by Fair Isaac to boil down all of the information in your credit report to three digits, ranging from 300 to 850, that tells lenders how likely you are to pay back your loan.

"Over the last five years, credit scores have been refined to the point where they are now one of the most important factors for lenders," said Anthony Hsieh, CEO of HomeLoanCenter.com.

Although lenders interpret credit scores differently, they usually reserve the best interest rates for borrowers with solid credit, or scores of about 700 or higher. Borrowers with scores in the low 600s, on the other hand, are considered risky investments and warrant higher rates.

In fact, recently a borrower with a score of 720 to 850 would pay 5.78 percent for a 30-year mortgage, while someone with a score of 620 to 674 would pay 7.59 percent, according to MyFICO.com, a division of Fair Isaac.

On a $150,000 mortgage, that's the difference of $180 a month in mortgage payments and about $65,000 in interest over the life of the loan. Who would have thought three little numbers could mean so much?

What's in a score?

Any time you take out credit, your information - including whether you pay your bills on time and how close you are to your credit limit - is reported to the three major credit bureaus, Equifax, Experian and TransUnion. As long as you've had one line of credit open for at least six months you probably have a credit score.

Under the Fair Credit Reporting Act, you can request a free copy of your credit report from all three of credit bureaus if you've been denied credit. But, if you want to see your credit score, you'll have to pay. In fact, because each of the three credit bureaus maintains an individual report for you, you actually have three scores.

You can access credit scores from all three bureaus at myFICO.com, which is run by Fair Isaac. For $12.95 per score you'll get an explanation of how your score is likely to affect your credit, information about what is helping and hurting your score and a snapshot of your credit history. (For $38.85 you get all three, as well as the full-blown credit reports.)

"The scores should be pretty close, but there can be discrepancies," said Ryan Sjoblad, a spokesman for Fair Isaac. Those discrepancies are likely to be the result of errors in your credit report.

Some errors are obvious -- such as an account that doesn't belong to you -- while others are less easy to pick out. For example, if the credit limit on your home equity line shows up as being smaller than it actually is you may be penalized for being too close to your limit.

To correct an error, contact the creditor directly and request that it update all three credit agencies and send you a copy of the correspondence for your records. Keep in mind, though, that it can take quite a while for these corrections to be reflected in your score.

If you don't have immediate plans to buy a home, you may be able to further improve your score by consolidating accounts or transferring balances, said Chris Viale, general manager for Cambridge Credit Counseling. For example, if you have several department store credit cards near their max, you might benefit by moving all three balances to a low-interest credit card with a higher limit, he said.

Just be careful, said Sjoblad, If you're applying for a loan in the short term it's probably not a good idea to open, close or consolidate accounts. "This could shorten your credit score or make it appear that you are near your credit limits," he said.

In any case, the biggest improvement to your score will come with time and responsible credit management. According to Sjoblad, the most important thing you can do is simply pay your bills on time and aggressively pay down your consumer debt.

It's not unreasonable to raise your score by 20 points within six months -- enough to make a difference in your interest rate.

We Specialize in Credit education and Credit restoration www.vrtmg.com/framirez

Personal Field Trainer

Fernando Ramirez

(818)626-0569

philosophy Attitude Activity Results Lifestyle

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Tue, 02 Sep 2008 19:55:19 -0500

Philosophy Attitude Activity Results Lifestyle

It is the inherent nature of success to be both puzzling and elusive, and to withhold its rewards from all but a handful of those who pursue it.

It is by an intricate design of nature that success is a condition that must be attracted and pursued. We achieve rewards and we progress not by our intense pursuits, but by what we become, for it is what we become, for it is what we are that finally determines the results we attract.

" To HAVE more we must BECOME more" is the very essence of the PHILOSOPHY of personal development, success and happiness addressed by Jim Ron in the Five major pieces
to the Life Puzzle.

It is our personal PHILOSOPHY that establishes our individual ATTITUDE that determines both the quantity and the quality of our level of ACTIVITY. That activity produces a final and proportionate RESULT, and the result provides the LIFESTYLE that we live.

The results and lifestyle are the effectsthe conditions we inheritbut our personal philosophy, attitude and activity which are the ultimate cause of the effect.

To change the effect, we must alter the cause, and yet most people curse the effect but continue to nourish the cause. www.vrtmg.com/framirez

That is the reason why our company is in business helping people see their financial future different, we work with people with less than perfect credit change their lives from "where and who they are to, where they ought to be and accomplish financially by changing them selves to the new person they always dream of becoming"!!! www.vrtmg.com/framirez is here to help you change your life forever.

Personal Field Trainer
Fernando Ramirez
(818) 626-0569

Credit repair credit restoration credit solutions credit problems credit fix credit FICO scores

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Tue, 02 Sep 2008 17:52:44 -0500

Check Out Our Success Rate!

Credit Report Classifications	# of Deletions
Late Payments (including Late Payment History)	90,290
Collections (including Collections, Charge-Offs, Settlements, Repossessions and Foreclosures)	197,260
Public Records (including Bankruptcies, Garnishments, Judgments and Tax Liens)	34,423
Personal Info (including Address Corrections, Name Corrections, Employment History and Inquiries)	8,853
Total Negative Items Deleted as of 9/2/2008	330,826

Our Credit Restoration Service
United Credit Education Services helps give consumers who are negatively affected by poor credit the opportunity to achieve their financial goals and dreams. Our service provides the industry's most comprehensive program to consumers who have been turned down for a mortgage, car loan, credit card or any type of credit due to credit problems. Our combined expertise and state of the art technology has helped thousands of customers to improve their credit standing and lower their debt.
As a consumer, you already know that your credit score plays a significant role in your financial well being. Low credit scores can have a negative impact on many different levels. They may prevent you from obtaining needed credit such as a mortgage, school or car loan, or they may cost you a great deal of money in higher interest payments on loans, credit cards and insurance. Conversely, the higher your credit score the better your chances are of obtaining credit and loans at the best possible interest rates. If you have been denied credit, would like to lower your interest rates, or would simply like to remove inaccurate information from your credit reports, our service can help.
Why Is Our Service So Important?
Consumers may be rejected for loans or jobs based on mistakes in their credit reports and not even know it. In a recent study, 79 percent of credit reports reviewed contained either serious errors or other inaccuracies in regard to trade account and personal information. What's more, there's a one-in-four chance your credit report contains an error serious enough to cause you to be denied credit. According to recent data, identity theft strikes more than 700,000 Americans each year and is growing at the mind-boggling rate of 40 percent annually. Our credit restoration service allows you the opportunity to review your credit file and identify and proactively challenge any accounts that do not belong to you.

How Does Our Service Work?
Our team of credit analysts will perform a thorough review of all items on the client's credit reports that negatively affect their credit profile and credit score. Our clients will regularly receive customized dispute letters to review, sign and send to Experian, Equifax and TransUnion. Dispute letters may be changed or modified at the individual's request. Clients are strongly encouraged to provide any support documentation that may assist and expedite the dispute process.

We have the solutions through our experts!!! www.vrtmg.com/framirez

Personal Field Trainer

Fernando Ramirez

(818)626-0569

WHY AREN'T YOU YOUR OWN BOSS?

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Mon, 01 Sep 2008 19:10:43 -0500

What's Holding You Back?

In the more than two decades since we pioneered the field of home-based business, we have interviewed, spoken to, worked with, and had the privilege of meeting thousands of men and women across the nation, each one of whom shared something in common: a burning desire to be his or her own boss. The facts bear this out. SEVEN IN TEN AMERICANS AT SOME TIME IN THEIR LIVES WANT TO BE THEIR OWN BOSS, TO OWN THEIR OWN
BUSINESSTAKING CONTROL OF THEIR LIVES AND THEIR FUTURES.

And, for many of these thousands of people, that's exactly what has happened. They have quit their Jobs to follow their dreams, leaving behind the security of a regular paycheck and cushy benefits package with an established company. They are among the more than twenty-two million small businesses in the United States responsible for creating two out of three jobs in the economymost of which were started by people just like you who decided to become their own boss.

But, for every person we've met who has become his or her own boss, there are many more who, for one reason or another, never make the desire leap to independence. Research studies report that, while one in every twenty-five American adults is making an effort to start his or her own business in any given yearsome seven million efforts a yearfewer than half get on under way. That leaves a lot of people who get stuck on the way to achieving their dreams.

You'd like to be one of those at least, right? But...there's a "but," isn't there? Maybe a whole lot of buts. What if you could get past those buts and really make something happen That's what www.vrtmg.com/framirez is all about__It's about getting the past the buts, without your having to change who you are or your values or intentions, turning your dreams in to a reality.

Personal Field Trainer with VRtech
Fernando Ramirez
(818)626-0569

The greatest Salesman in the World!! Today I begin a new Life!!!! READ

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Thu, 28 Aug 2008 17:49:03 -0500

When i read this scrolls and committed to following through each scroll, I began to see my life transform

from who i was to the new me!!!!

The Scroll Marked One

30 day commitment 3 times a day

Today I begin a new life.

Today I shed my old skin, which has too long suffered the bruises of

failure and the wounds of mediocrity.

Today I am born anew and my birthplace is a vineyard where there is fruit

for all.

Today I will pluck grapes of wisdom from the tallest and fullest vines in

the vineyard, for these were planted by the wisest of my profession who have

come before me, generation upon generation.

Today I will savor the taste of grapes from these vines and verily I will

swallow the seed of success buried in each and new life will sprout within

me.

The career I have chosen is laden with opportunity yet it is fraught with

heartbreak and despair and the bodies of those who have failed, were they

piled one atop another, would cast a shadow down upon all the pyramids of

the earth.

Yet I will not fail, as the others, for in my hands I now hold the

charts, which will guide through perilous waters to shores, which only

yesterday seemed but a dream.

Failure no longer will be my payment for struggle. Just as nature made no

provision for my body to tolerate pain neither has it made any provision for

my life to suffer failure. Failure, like pain, is alien to my life. In the

past I accepted it as I accepted pain. Now I reject it and I am prepared for

wisdom and principles which will guide me out of the shadows into the

sunlight of wealth, position, and happiness far beyond my most extravagant

dreams until even the golden apples in the Garden of Hesperides will seem no

more than my just reward.

Time teaches all things to him who lives forever but I have not the

luxury of eternity. Yet within my allotted time I must practice the art of

patience for nature acts never in haste. To create the olive, king of all

trees, a hundred years is required. An onion plant is old in nine weeks. I

have lived as an onion plant. It has not pleased me. Now I wouldst become

the greatest of olive trees and, in truth, the greatest of salesman.

And how will this be accomplished? For I have neither the knowledge nor

the experience to achieve the greatness and already I have stumbled in

ignorance and fallen into pools of self-pity. The answer is simple. I will

commence my journey unencumbered with either the weight of unnecessary

knowledge or the handicap of meaningless experience. Nature already has

supplied me with knowledge and instinct far greater than any beast in the

forest and the value of experience is overrated, usually by old men who nod

wisely and speak stupidly.

In truth, experience teaches thoroughly yet her course of instruction

devours men's years so the value of her lessons diminishes with the time

necessary to acquire her special wisdom. The end finds it wasted on dead

men. Furthermore, experience is comparable to fashion; an action that proved

successful today will be unworkable and impractical tomorrow.

Only principles endure and these I now possess, for the laws that will

lead me to greatness are contained in the words of these scrolls. What they

will teach me is more to prevent failure than to gain success, for what is

success other than a state of mind? Which two, among a thou　and wise men,

will define success in the same words; yet failure is always described but

one way. Failure is man's inability to reach his goals in life, whatever

they may be.

In truth, the only difference between those who have failed and those who

have succeed lies in the difference of their habits. Good habits are the key

to all success. Bad habits are the unlocked door to failure. Thus, the first

law I will obey, which precede all the others is --I will form good habits

and become their slave.

As a child I was slave to my impulses; now I am slave to my habits, as

are all grown men. I have surrendered my free will to the years of

accumulated habits and the past deeds of my life have already marked out a

path which threatens to imprison my future. My actions are ruled by

appetite, passion, prejudice, greed, love, fear, environment, habit, and the

worst of these tyrants is habit. Therefore, if I must be a slave to habit

let me be a slave to good habits. My bad habits must be destroyed and new

furrows prepared for good seed.

I will form good habits and become their slave.

And how will I accomplish this difficult feat? Through these scrolls, it

will be done, for each scroll contains a principle which will drive a bad

habit from my life and replace it with one which will bring me closer to

success. For it is another of nature's laws that only a habit can subdue

another habit. So, in order for these written words to perform their chosen

task, I must discipline myself with the first of my new habits which is as

follows:

I will read each scroll for thirty days in this prescribed manner, before

I proceed to the next scroll.

First, I will read the words in silence when I arise. Then, I will read

the words in silence after I have partaken of my midday meal. Last, I will

read the words again just before I retire at day's end, and most important,

on this occasion I will read the words aloud.

On the next day I will repeat this procedure, and I will continue in like

manner for thirty days. Then, I will turn to the next scroll and repeat this

procedure for another thirty days. I will continue in this manner until I

have lived with each scroll for thirty days and my reading has become habit.

And what will be accomplished with this habit? Herein lies the hidden

secret of all man's accomplishments. As I repeat the words daily they will

soon become a part of my active mind, but more important, they will also

seep into my other mind, that mysterious source which never sleeps, which

creates my dreams, and often makes me act in ways I do not comprehend.

As the words of these scrolls are consumed by my mysterious mind I will

begin to awake, each morning, with a vitality I have never known before. My

vigor will increase, my enthusiasm will rise, my desire to meet the world

will overcome every fear I once knew at sunrise, and I will be happier than

I ever believed it possible to be in this world of strife and sorrow.

Eventually I will find myself reacting to all situations which confront

me as I was commanded in the scrolls to react, and soon these actions and

reactions will become easy to perform, for any act with practice becomes

easy.

Thus a new and good habit is born, for when an act becomes easy through

constant repetition it becomes a pleasure to perform and if it is a pleasure

to perform it is man's nature to perform it often. When I perform it often

it becomes a habit and I become its slave and since it is a good habit this

is my will.

Today I begin a new life.

And I make a solemn oath to myself that nothing will retard my new life's

growth. I will lose not a day from these readings for that day cannot be

retrieved nor can I substitute another for it. I must not, I will not, break

this habit of daily reading from these scrolls and, in truth, the few

moments spent each day on this new habit are but a small price to pay for

the happiness and success that will be mine.

As I read and re-read the words in the scrolls to follow, never will I

allow the brevity of each scroll nor the simplicity of its words to cause me

to treat the scroll's message lightly. Thousands of grapes are pressed to

fill one jar with wine, and the grape skin and pulp are tossed to the birds.

So it is with these grapes of wisdom from the ages. Much has been filtered

and tossed to the wind. Only the pure truth lies distilled in the words to

come. I will drink as instructed and spill not a drop. And the seed of

success I will swallow.

Today my old skin has become as dust. I will walk tall among men and they

will know me not , for today I am a new man, with a new life.

Sincerely, www.vrtmg.com/framirez

Personal Field Trainer

Fernando Ramirez

(818)626-0569

Most Americans say Now is a Bad Time to Spend!!

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Tue, 26 Aug 2008 17:02:52 -0500

Most Americans say Now Is Bad to Spend! (edit/delete)

Most Americans Say Now Is Bad Time to Spend

Almost half say their finances are "getting worse" -- the most this decade

by Dennis Jacobe, Chief Economist

PRINCETON, NJ -- Forty-nine percent of consumers say their financial situations are "getting worse" and only 32% say they are "getting better" -- the worst consumer assessment of personal financial trends this decade.

Consumers' Expectations for Their Finances Are Worst of Decade

American consumers tend to be optimistic about their own financial future, particularly in comparison to their attitudes about the national economy. For example, immediately after the 9/11 terrorist attacks, in October and November 2001, the percentage of consumers saying their financial situations were getting better ranged between 45% and 50%. The previous low this decade for such an optimistic view was 40% in October 2002, and 43% held this view in March 2003 -- just as the Iraq war was beginning. Given this context, the current percentage of consumers who say their finances are getting better (32%) and the percentage who say they are getting worse (49%) are not only a complete reversal of consumer perceptions from a year ago, but, more importantly, are the worst reading on the measure this decade. (Gallup first asked about personal finances using this question in 2001.) www.vrtmg.com/framirez

Additionally, consumers' self-assessments of their current finances are more negative than at any time this decade. In the April poll, the percentage of consumers rating their financial situations as "poor" is 17%, while the percentage rating their situations as "excellent" or "good" is 45%.

Significantly, these are consumers' ratings of their own finances -- something they know much more about and tend to relate more accurately than when they are asked to rate the national economy. As has generally been the case, consumers' perceptions of their own financial situations are considerably more positive than their ratings of the national economy (83% of Americans now say the U.S. economy is getting worse, and 46% rate the national economy as "poor"). www.vrtmg.com/framirez

Negative Implications for Consumer Spending

Consumers' perceptions of their current financial situations and their expectations for future improvement can have a major impact on their spending intentions. When asked to consider their finances and assess their future spending, only 22% said they feel they are in a "good" position to buy some of the things they would like to have, while 74% said they feel it is a "bad" time to spend money. Gallup has asked this spending question only occasionally over the last 30 years, but the current readings are the worst of the six times it has been measured. More consumers feel now is a bad time to spend than the 53% who felt that way in September 2001 (just after 9/11) and the 67% holding that view during October 1991, just after the 1990-91 recession. www.vrtmg.com/framirez

From another perspective, only 29% of consumers say they would feel comfortable making a major purchase such as a home, a car, major appliances, or other significant purchase in the next three months -- down from 47% a year ago. Similarly, 37% of consumers say they are less comfortable making such purchases now than they were just three months ago. www.vrtmg.com/framirez

Could the Recession Be Worse Than Expected?

During recent months, fears of a financial crisis have dominated the business news, and the relief experienced as a result of the Federal Reserve's and the Treasury's aggressive response to assist the financial markets has been palpable. However, this improved perspective on the part of the credit markets may be hiding a rapidly deteriorating situation on Main Street. www.vrtmg.com/framirez

Consumers are being squeezed not only in the credit markets, but also by record food and energy prices -- not to mention a worsening jobs market. Gallup's new polling suggests that the current consumer squeeze is more intense than the situations consumers experienced following 9/11, the beginning of the Iraq war, and the aftermath of the 1990-91 recession. In turn, this implies that the weakened consumer spending levels that many retailers are already anticipating may turn out to be too optimistic. Consumers' perceptions and their spending intentions suggest this recession could be somewhat worse than the "mild" downturn of the consensus forecast, and that retailers may be wise to plan accordingly. www.vrtmg.com/framirez

Survey Methods

Results are based on telephone interviews with 1,021 national adults, aged 18 and older, conducted April 6-9, 2008. For results based on the total sample of national adults, one can say with 95% confidence that the maximum margin of sampling error is ±3 percentage points.

Interviews are conducted with respondents on land-line telephones (for respondents with a land-line telephone) and cellular phones (for respondents who are cell-phone only).

In addition to sampling error, question wording and practical difficulties in conducting surveys can introduce error or bias into the findings of public opinion polls. www.vrtmg.com/framirez

Homebase Business with VRTech Marketing Group Nation Wide!!! By Fernando Ramirez

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Wed, 20 Aug 2008 21:38:07 -0500

Not happy with your current job? Your income? Your hours?

Need extra money? Check out the business opportunities at VR-Tech.
Why VR-Tech?
VR-Tech has set the industry standard as a company built on a foundation of integrity, character and an exceptional commitment to obtaining the best results possible for each client. You can be sure you are working with outstanding products as well as state-of-the-art support services.
What do we offer?
VR-Tech Marketing Group offers an exciting business opportunity that allows you to earn income with the convenience of a flexible schedule and very little investment. Be your own boss. Make your own schedule. As an independent sales agent, you choose the time you want to work. Stay at home. Sell online. As a company specializing in financial education, we offer a wide range of services with easy online customer enrollments. Reach limitless success. There is no cap to the amount of money you can earn. Sound too good to be true? Here's more. www.vrtmg.com/framirez (OR) you can listen to our prerecorded call @ (212)990-7059 Option 1 for services 2 for opportunity!!

Personal Field Trainer,

Fernando Ramirez

(818)626-0569

How much Credit Card Debt do Americans have?

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Wed, 20 Aug 2008 18:01:21 -0500

How much Credit Card Debt do Americans have?

There's an interesting article that crossed our desk today from AP (Associated Press) Study: Americans love-hate their credit cards, by Candice Choi. At first we thought "Let's file this under overstating the obvious", but then we read it through and we found an interesting paragraph with some very intriguing data:

Last year, Americans held about $850 billion in credit card debt, according to the Consumer Federation of America. That's about four times the amount of credit card debt held in 1990.
In 2005, 35 percent of credit card accounts - or 242 million cards - incurred a late fee, according to the federation.

Of course when the numbers get so big, they stop making sense, since we can't get a firm grasp on the underlying concept. We love numbers, and we like to take a look at the forest and the trees, and this is a case where the forest doesn't make much sense to the average person, and we would like to put the data in terms that we can all relate to, taking a look at the trees so to speak. Let's put some data on the line, complete with zeros and commas:

Total U.S. credit card debt: $850,000,000,000
Total U.S. households: 100,000,000
Total U.S. population: 300,000,000

So, doing the math we find that:

The average credit card debt per household is $8,500
The average credit card debt per American is: $2,833

That's astounding, there are households who have no credit card debt, that means that - statistically speaking - for each household that has no credit card debt, there's a very good chance that there's another household who has $17,000 in credit card debt. And $2,833 is a scary figure as well, since it counts every single American, including newborns, and individuals who have no debt whatsoever. Even more alarming is the fact that during the real estate good years, a lot of family rolled over their credit card debt into mortgage refinancing (refi) or into home equity lines of credit, or home equity loans. If those figures were available (I'm afraid they are not), how much would the average consumer debt be per household and per individual in the U.S.? Where do you and your family stand when compared to these statistics?

And most people with credit card debt have late payments which only means bad FICO's on top of that collections, and Bankrups!!! We are at the right place at the right time to help Struggling Americans www.vrtmg.com/framirez Or you can call (212)990-7059 press option 1 for more info!!

Personal Field Trainer

Fernando Ramirez

(818)626-0569

Most Americans say Now Is Bad to Spend!

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Sat, 09 Aug 2008 14:43:57 -0500

Most Americans Say Now Is Bad Time to Spend

Almost half say their finances are "getting worse" -- the most this decade

by Dennis Jacobe, Chief Economist

Consumers' Expectations for Their Finances Are Worst of Decade

Negative Implications for Consumer Spending

Could the Recession Be Worse Than Expected?

Survey Methods

Interviews are conducted with respondents on land-line telephones (for respondents with a land-line telephone) and cellular phones (for respondents who are cell-phone only).

In addition to sampling error, question wording and practical difficulties in conducting surveys can introduce error or bias into the findings of public opinion polls. www.vrtmg.com/framirez

Many Problems with USA rating!!!!

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Fri, 08 Aug 2008 18:53:44 -0500

Many problems with USA credit rating.

7/27/2008 2:58:43 PM

I have watched a few shows on tv in the last week concerning the growing USA credit situation and the outlook is not good. In the last year, the USA credit rating has dropped to a level not seen since the 1930's and is on the verge of being given a risk level rating. This is not good news for anyone who lives in America nor is it good news for investors worldwide. Bankruptcy filings are up 60% this year over last year and when we factor in the housing crisis, 16 straight months of job losses (over 60,000 jobs just last month), the corresponding rise in unemployment, the rising fuel prices, depressed salary and wage increases and other factors, we have the recipe for an economic depression that will make the 1929 stock market crash look like a walk in the park. Yes, the USA credit situation is an awakening giant and when fully awake we are in for economic problems never before seen in America. My advice is to prepare for this coming storm by paying off as much as you can and be as debt free as possible. A debt consolidation loan at a low fixed interest rate would be a wise move.

We are at the precise moment with the right company at the right time!! www.vrtmg.com/framirez

Fernando Ramirez (818) 626-0569

Our conference call tonight will cover credit solutions and business building strategies

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Thu, 31 Jul 2008 16:55:06 -0500

Our conference call tonight will cover credit solutions and business building strategies

OPPORTUNITY CALL TONIGHT THAT WILL CHANGE YOUR LIFE FOREVER. TONIGHT YOU WILL LEARN:

A) HOW TO PREPARE YOUR MENTAL BEHAVIOR TOWARDS WINNING!!

B) HOW TO RUN YOUR BUSINESS FROM THE COMFORT OF YOUR OWN HOME OR OFFICE!!

C) HOW TO USE THE TOOLS THAT ARE AT THE TIP OF YOUR FINGERS TO MAKE A FORTUNE!!

D) HOW TO APPROACH YOUR PROSPECT AND USE OUR TOOLS TO PROMOTE YOUR BUSINESS

E) FOLLOW UP.

AND OFCOURSE OUR MAIN HOST PRESIDENT OF OUR COMPANY OF VRTECH MARKETING GROUP MR.GEORGE COLE .

THE CALL WILL START AT 9:15 PM EASTERN AND THE NUMBER IS (212) 990-8000 PIN 0070#

i AM LOOKING FORWARD IN SEEING YOU THERE TONIGHT!!

Personal Field trainer

FERNANDO RAMIREZ (818)626-0569

READ how many negative items we've deleted from our clients FICO'S!!!!

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Wed, 30 Jul 2008 21:31:11 -0500

Check Out Our Success Rate!

Credit Report Classifications	# of Deletions
Late Payments (including Late Payment History)	86,655
Collections (including Collections, Charge-Offs, Settlements, Repossessions and Foreclosures)	189,197
Public Records (including Bankruptcies, Garnishments, Judgments and Tax Liens)	33,352
Personal Info (including Address Corrections, Name Corrections, Employment History and Inquiries)	8,436
Total Negative Items Deleted as of 7/30/2008	317,640

Our Credit Restoration Service http://www.vrtmg.com/framirez
United Credit Education Services helps give consumers who are negatively affected by poor credit the opportunity to achieve their financial goals and dreams. Our service provides the industry's most comprehensive program to consumers who have been turned down for a mortgage, car loan, credit card or any type of credit due to credit problems. Our combined expertise and state of the art technology has helped thousands of customers to improve their credit standing and lower their debt. http://www.vrtmg.com/framirez
As a consumer, you already know that your credit score plays a significant role in your financial well being. Low credit scores can have a negative impact on many different levels. They may prevent you from obtaining needed credit such as a mortgage, school or car loan, or they may cost you a great deal of money in higher interest payments on loans, credit cards and insurance. Conversely, the higher your credit score the better your chances are of obtaining credit and loans at the best possible interest rates. If you have been denied credit, would like to lower your interest rates, or would simply like to remove inaccurate information from your credit reports, our service can help.
Why Is Our Service So Important? http://www.vrtmg.com/framirez
Consumers may be rejected for loans or jobs based on mistakes in their credit reports and not even know it. In a recent study, 79 percent of credit reports reviewed contained either serious errors or other inaccuracies in regard to trade account and personal information. What's more, there's a one-in-four chance your credit report contains an error serious enough to cause you to be denied credit. According to recent data, identity theft strikes more than 700,000 Americans each year and is growing at the mind-boggling rate of 40 percent annually. Our credit restoration service allows you the opportunity to review your credit file and identify and proactively challenge any accounts that do not belong to you.

Our Process: 6 Simple Steps

Use our easy online enrollment process to begin your service.
Forward your required identification document to our credit specialists to complete your file.
Customized dispute letters will be prepared and sent to you for your approval. If no changes are requested, sign and send your dispute letters to the three credit reporting agencies. You will receive updated credit reports back within 40 days.
Forward your updated credit reports to our offices. Your file will be updated and your next set of dispute letters will be prepared and mailed to you.
Clients may modify their dispute letters upon request. This is especially helpful in the case of mixed credit files among family members, identity theft, or inaccurate information in regarding accounts that are paid off. Please call our customer support department if you have any questions.
New dispute letters will be sent every 60 days until your service expires.

Why Choose Us?
United Credit is proud to offer the industry's first proactive and interactive customer service. In short, clients receive regular progress reports detailing the status of their credit file, including the number of dispute cycles completed and the number of deleted items. Our customer support team is on hand to personally answer any questions by phone or email, or clients may choose to access their account details on line any time of day or night. Let our professionals work for you. Enroll today and join the thousands of other clients who are enjoying the benefits of improved credit.

Money-back guarantee!
Members of the BBB
Outstanding deletion rate!
Monitor your file's progress around the clock 24/7/365
Testimonials from happy, satisfied clients

Sample Results From Some Of Our Clients*



* Names have been changed to protect client identity.

Yes, I am a witness and it WORKS!! I didn't realize how much I needed this. I am a witness and it does work. My score went up 105 points in about 80 to 90 days! I made sure that I followed through with the letters I received back and did what I needed to do. I have since purchased a new car and my interest rate and payments are low.....I can't thank you enough. I will buy my first home soon! - Marsha, Dallas, TX

Above 700 Now!! As a result of your Credit Restoration service, our FICO scores have improved enabling my wife and I to re-finance our two mortgages at a better rate. We have also been able to secure better rates and larger loans for our growing business. Having a better understanding of our credit score has had a greater impact than we ever imagined! - Phil, Sacramento, CA

Repossession Gone I just wanted to say THANK YOU. I'm seeing a change in my credit report. I had a judgment on my credit report for a repossession and when I received my Experian credit report in the mail, it had been deleted from my file. I'm just so excited to know that it has been removed. I just want to THANK YOU once again. You don't know just how good I'm feeling right now. - Dinah, Quincy, FL

[Click here] for more success stories.

Lowering credit limits can hurt consumers credit scores!! RAED

Fernando Ramirez (VRTech Marketing Group Ramirez & Assoc.) — Wed, 30 Jul 2008 18:15:51 -0500

Lower credit limits can hurt consumers' credit scores

Newly cautious card issuers cut available credit, changing key ratio

By Dana Dratch

The latest victim of the lending crisis could be your credit score.

http://www.vrtmg.com/framirez

Even if you haven't been directly affected by subprime mortgage problems, your score could take a hit. That's because new research says a majority of credit card lenders are lowering credit limits to reduce their risk in the wake of the credit crunch.

When a customer's available credit goes down, for any reason, it brings the current balance closer to the limit. That can lower the consumer's credit score substantially.

Why? A key component of credit score calculations is the ratio of used credit to available credit -- the "utilization ratio." About 44 percent of cardholders carry a balance at least occasionally. For them, any reduction in credit limit lowers the ratio, lowering their credit scores.

"It's quite an issue," says Linda Sherry, director of national priorities for Consumer Action. When the organization conducted a recent online poll, 11 percent of participants reported they'd had credit limits lowered in the past six months. "It shows us that something is definitely going on out there."

Banks cut risk, hoard cash
"I think what we're seeing now is a lot of banks, big and small, are entering into capital preservation mode," says Peter Garuccio, director of public relations for the American Bankers Association.

A July 30, 2008, report by Javelin Strategy & Research says that of the 13 top-tier credit card issuers it surveyed, eight said that as a direct result of current economic conditions, they had reduced consumers' credit lines.

It's a move took Jerry Jacobs by surprise. About eight months ago, one credit card bank reduced his $10,000 limit to $6,200, just above his card balance. The Florida resident says he's never missed a payment or been late with a bill, and his phone calls to the company netted no real reason for the change.

"They said, 'It's just a random thing we do -- it's not directed at you,'" he recalls. Regardless, his card was suddenly maxed out and useless.

The same thing happened to Orange County, Calif., resident James O'Neill. With a $16,000 limit, a $3,200 balance, and a perfect payment history, he was satisfied with his credit situation. But then one company lowered O'Neill's limit to $3,400.

That made him so mad, he promptly paid off the card. Now he uses it only occasionally for small purchases, just to keep the account active. "I don't want to pay them any interest," says O'Neill. "I hate them."

How much could that credit score drop?
With the FICO score, the most widely used credit scoring model, the ratio of used credit to available credit counts for "almost a third of your score, so it's significant," says Barry Paperno, manager of consumer operations for Fair Isaac Corp., the company that pioneered credit scoring and formulated the FICO score.

With the alternative credit score VantageScore, credit utilization accounts for 23 percent of the score, according to Wayne Travers, vice president of media relations for VantageScore Solutions LLC.

With the FICO-based scores, it's best to keep balances below 50 percent of the limit, says Paperno. "But 40 is better than 50, and 30 is better than 40," he says. "The lower that utilization number is, the better it is for your score," says Paperno.

But some believe that even 50 percent is too high to maintain a good score. "You need to stay at 30 percent or below," says Gail Cunningham, spokeswoman for the National Foundation for Credit Counseling.

So how much could a credit reduction hurt your score? A lot of that depends on what your credit report looks like in the first place. It will likely have more of an impact on someone who has a short credit history or only a couple of credit accounts, says Paperno.

You could also drop faster if you have a higher score, he says.

FICO scores run from 300 (worst) to 850 (best), and the average is around 720, says Paperno. If your score is 750 to 800, taking a card from 10 percent utilization to 100 percent could drop your score 90 to 140 points, he says. If you're at 700 to 749, it could drop it 50 to 100 points. And if your score falls in the 650 to 700 range, it could drop 40 to 90 points.

"If you had one credit card, you could go from 810 to 640 overnight," he says.

And if other lenders follow suit, raising your rates or lowering limits on other cards, "it could be devastating," says Paperno. (See related story, What to do if a card issuer cuts your credit limit.)

Why?
For anyone reading the headlines, "it's clear we're in an economic environment that's quite challenging," says Lynne Strang, vice president of the American Financial Services Association, a member group of credit lenders. As a result, there's "an effort on the part of all creditors to scrutinize closely their borrowers," she says.

Credit lenders are lowering limits to reduce their risk, and "it's really being done on a case-by-case basis," says Strang.

Lender, heal thyself
What really worries consumer advocates is that credit lenders may be doing this more in response to their own missteps than those of customers. http://vrtmg.com/framirez

Fernando's Blog

Poor Credit Scores hurt American Consumers

PRBC Builds Credit History

VRTech Marketing Group The Best Business Opportunity

VRTech Marketing Group Master Card will help increase your FICO scores

We have a track record at VRTech Marketing Group Deleting negative items

Three Powerful Bedrock Principles of Internet Marketing!!

Three Powerful Bedrock Principles of Internet Marketing!!

Financial Services Credit Restoration Home Based Business

Financial Services Credit Restoration Business

Work Your Financial Services Business From The Comfort Of Your Own HomeHomeCredit RestorationUltraScoreTMVRTMG Prepaid Card* <---Make your selction

As a company specializing in financial education, we offer a wide range of services with easy online customer enrollments. Reach limitless success.There is no cap to the amount of money you can earn. Sound too good to be true? Here's more.

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All of these business-building tools and resources* are available to VR-Tech Marketing Group Sales Agents absolutely free of charge! *except marketing materials ordered through our printing service

The team of professionals was totally focused, friendly and accommodating. After that visit, I knew credit education and restoration with VR-Tech and UCES was my mission!Robert Gould, Ambassador and Qualified Field TrainerI love people and I love life.

Together we can help their children and loved ones take advantage of a lower interest rate or finally get that loan that they could not qualify for before now.

But it's more than that. This is also a business opportunity that comes at a time when our economy is struggling. People are finding it hard to make ends meet.

Not since the vision of great leaders like the late Dr. Martin King Jr., John and Bobby Kennedy, Ray Kroc, Art Williams and Hubert Humphrey have I been so excited about the potential to experience unprecedented social, economic and fiscal change for anyone who dares to dream.

Credit Restorartion and Education

Education And Restoration Of Your Credit Financial Life

The Credit Pie Chart Identifying exactly what determines peoples credit fico's, is very important for everyone It helps identify what affects FICO's scores.

1) Purchasing a home

2) Purchasing a car

3) Applying for credit cards

Qualified Field Trainer

Business Coach

Fernando Ramirez

(818) 626-0569

Learning four different ways to make money in your life

4 Diferent Ways To Make Money In Your Life

Cash Flow Quadrant:

98% of the people in world are broke and 2% of the people are rich. Because the 2% that understands it, learns to apply the rules of the game in the Money game. What you're about to learn today will forever change your life!! And do the world a huge favor, let them know about the Money Game.

HOME BASED BUSINESS SUCCESS 3 STAGES OF GROWING YOUR BUSINESS

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National Distribution of FICO scores

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The greatest Salesman in the World!! Today I begin a new Life!!!! READ

Most Americans say Now is a Bad Time to Spend!!

Homebase Business with VRTech Marketing Group Nation Wide!!! By Fernando Ramirez

How much Credit Card Debt do Americans have?

Most Americans say Now Is Bad to Spend!

Many Problems with USA rating!!!!

Our conference call tonight will cover credit solutions and business building strategies

READ how many negative items we've deleted from our clients FICO'S!!!!

Lowering credit limits can hurt consumers credit scores!! RAED

Work Your Financial Services Business From The Comfort Of Your Own Home

Home
Credit Restoration
UltraScore^TM
VRTMG Prepaid Card* <---Make your selction

As a company specializing in financial education, we offer a wide range of services with easy online customer enrollments. Reach limitless success.
There is no cap to the amount of money you can earn. Sound too good to be true? Here's more.

Our lucrative compensation plan allows you to earn money four different ways:
Commissions from direct sales of any of our financial education services, including credit restoration, auto loans, wills and trusts or the VRTMG Prepaid card CAB Bonuses for helping new recruits make their first sale

Local Sales Opportunity and Training seminars held regularly
Proven method of training for all new sales agents with our Field Training System program

The team of professionals was totally focused, friendly and accommodating. After that visit, I knew credit education and restoration with VR-Tech and UCES was my mission!Robert Gould, Ambassador and Qualified Field Trainer
I love people and I love life.

98% of the people in world are broke and 2% of the people are rich. Because the 2% that understands it, learns to apply the rules of the game in the Money game.
What you're about to learn today will forever change your life!! And do the world a huge favor, let them know about the Money Game.