Boost Your Credit Score Blog

We are changing.. contacting us

Tue, 25 Sep 2018 09:22:21 -0700

We are changing.. and with change comes new things. We apologize we shut down all of our websites, as they were no longer prevelant. Our base of customers comes from our partners. We only extend services to consumers. That said, we are implimenting in the next month a new consumer website where we can reach out to them and help. Until then you can email us, or contact us through one of our partnered real estate offices, mortgage brokers or bank representative. When we come back we will offer you something new for your credit make over.

Websites adjusting

Tue, 26 Dec 2017 23:15:27 -0800

We are wishing you a wonderful Holiday Season and while the season is upon us, it is a slower time for our company. We are changing all of our hosting and our networks to a new world wide web domain. In the meantime all of our company emails are down, but we have our gmail account click here to send us an email. We hope to be up in the begging of the new year with our new website and host. Our current customers have special contact methods for our services.

PrePaid Credit actually helps your score with the new scoring system

Sun, 10 Sep 2017 11:29:16 -0700

It used to be a statement credit professionals would avoid. But now with new scoring factors, prepaid credit can help your score significantly. FICO actually takes in consideration that people are trying to start with credit and when they see you get a pre-paid option, especially a powerful pre-paid card like ours http://credit-makeover.com/product-category/step2/credit-lines/?orderby=date-desc - they watch your balances and payment history - which in a course of one to three months, will boost your score. Don't think about getting a pre-paid credit card to help your credit scoreYou don't have too get a pre-paid credit card with usBut if you do, it will not only boost your credit score, it will change your life forever. You are may or may not decide to invest in one of our premiere credit cardsI think the smart people will.By now you might be able to invest in one of our prepaid cardsso have a look at what we have to offer http://credit-makeover.com/product-category/step2/credit-lines/?orderby=date-desc

What kind of Pizza after your new line of Credit ?

Mon, 03 Jul 2017 14:24:59 -0700

Today's question is what kind of pizza would you like to celebrate with you new line of credit?Our new platinum credit line is waiting for you and you are already approved! Today we are offering a platinum credit line that will help increase your credit. This is the safest way to go these days. Our credit lines are actual credit cards that help you build your credit the safe way.We have several different kinds of credit cards available to choose from depending on your credit.Why are you waiting to get your credit sorted ?We have helped thousands over the last 25 year. For more information, please visit our website at http://credit-makeover.com/product/step-2-platinum-card-credit-line/

FDIC Backed Tradeline Boost your Credit Score

Wed, 19 Apr 2017 23:00:40 -0700

We have changed boostyourcreditscore.info to www.improveyourcreditscore.info

Our Credit Score and Tradeline Support

Mon, 17 Apr 2017 13:52:23 -0700

Credit Score boosting, tradelines, getting lending. Everyone wants in on something that is legitimate and really helps people with their scores serious people.Sometimes we want to help more. Our websites have over 40,000 visitors per hour. It is really overwhelming for our technitions to keep up with speed, performance and updating our servers to handle the loads.Our phone lines are jammed as a result, we have a hard time filtering the serious people to the skeptical people, and we have private numbers just to handle our current clientle. It's because for the last 20 plus years we have been helping people. Not a lot of fancy gimics, or advertising. Just plain honest and simple FDIC backed programs that actually help people.When someone is geniune, you don't have to market "get rich schemes", you just have to market and educate people how they can get help.Unfortunately, you can lead a horse to water, but you cannot make it drink. This is so true in our business, yet we are growing as thousands drink the water, and see results and start their dreams.We are sorry that so many flood our support lines, we canot help presales calls, we can only respond to their emails until they decide to step out of the boat that is sinking, and get help.Please contact us by email if you need pre-sales questions, or just read our articles here and on our websites. Our products have gaurantees, and FDIC backing, so the only risk you take, is the risk of you ruining your new credit you just spent some hard earned money on.Mortgage brokers and lenders can write volumes of books on that story. Don't get yourself back into trouble, get yourself out of trouble. Watch our video and learn more.We hope you will choose the right path. It's all up to you. We are here to help, if and when you decide to do something about it.

Credit Score Boost Success Stories

Thu, 23 Mar 2017 23:50:04 -0700

The proof is in the pudding.. A client with scores in 500's now in high 600's in 15 days, but with these she can get financed and in another 30 days these should be in the 700's And another Increase So it's pretty simple, by adding some good credit from the start, sometimes it is all you need to boost your scrore. If you have negatives that effect you getting that loan, we can also help with that and late payment removal. Get your credit line / tradeline / or credit card to help boost your credit today. Click on the link below to get started or find a program that is right for you.http://credit-makeover.com/product-category/step2/credit-lines/?orderby=date-desc

2017 Time to renew your credit and your life

Sun, 22 Jan 2017 03:11:24 -0800

The new year has started, new things are happening, the government is going through a change. It's time to take a look at your credit and your financial portfolio. America is facing some huge challenges, Obama did not help with some of the things he did, with the credit card reduction act, and other bad decisions. Not knowing what the future economy is should make everyone wake up and think about some things. It's time to think about your future, including things like Paying your debt down Making sure you have the right kinds of savings and the right amounts Boosting your credit score Reviewing and cleaning up your credit report Planning your retirement savings and portfolios Making a little more money by creating some new passive income Making some solid investments The first four things I mentioned are things successful, people who have excellent credit and financial portfolios do every day. The last three are also part of their routine, whether it is daily, weekly or monthly. I did not even mention six other things you can do to change your financial situation. There are some staggering facts that I want to make you aware of before I guide you to the next steps. First of all every plan begins with vision. Vision is sometimes called dreaming. Visions take Motivation, Strategy, and Effort to make the dream come to reality. 318 million people live in the USA, but only 4.6 million have assets totaling more than 1 million dollars. 1 Million dollars is not enough to retire on, in these days it will be gone in a few years. What is staggering is this: 56 percent of US households headed by someone 45 or older only have net assets of 100K or more, barely enough to survive two years of retirement. Here is a question you can ask yourself, and when I ask it, don't say to yourself, this is impossible to achieve, because thousands are doing it. Could you quit your job today and never work again and live comfortably from the income that you earn passively ? Or is that just a dream ? Over half the US population will live in their retirement in poverty. 15-20 percent are already living in poverty. 45 million are living below the poverty But what if I told you that you can get out of poverty, if that is your situation. I have been talking about some serious issues, but maybe that is not your case. Maybe you are just someone that had a serious life event that damaged your credit. Maybe you were just fresh out of school, and had no one to mentor you to live responsible with your money and you got yourself in trouble. I have been there, and many people have and they managed to reverse their credit problems. Many people only lack the proper education, and resources to help them reverse some of these problems. This year I want to help you get started. First I want to let you know that most of my time is taken coaching people, that found our company through bank loan officers, mortgage brokers, car dealers or real estate professionals. Because of that, our phone support is limited to them, and their / our clients. However we have pre-sales email support that can help you answer your questions. However, if you read a little bit, your questions will be covered in the information I am going to share with you. First, if you just need to get your credit score, in a better situation, for example you need one or two tradelines (that are in your own name, not someone else's). So that you can boost your score to get a new loan or mortgage. Or you need a few other lending for your home projects, then visit our credit site here at http://www.improveyourcreditscore.info Ok maybe you need a little bit of the first option, but you also need some help cleaning up your credit report, paying down your debt, getting some savings started for your future, and planning your retirement savings. Then you want to visit our credit makeover site. http://credit-makeover.com/ Maybe you are a person that wants to learn about passive income, creating it, and getting started. Maybe you want to quit your job in the next 1-2 years and live off your passive income. Perhaps, you want to learn how to make some solid investments, and learn to be financially free. Then I encourage you to learn more and take the first step at our site here. http://financial-freedom-network.com/ I want to welcome you to make this next step, and we will be happy to share your success story.

Common Lies about Your Credit / Score

Wed, 16 Nov 2016 14:49:29 -0800

This year we saw the lies come out in the political campaign, and we really saw for what worth our Media is that covers so many lies to make profit. When you compare the information about your credit on the internet or even in person, your going to encounter many lies and much uneducated mis-information.Here are a few of those myths.1. Fix the credit report yourselfThis is a common myth and it is harmful misinformation. Your credit report is protected by over 250 laws and regulations, that you may or not know about. When you have a legal issue, you hire an attorney. It should be the same for your credit report! You should hire a professional or seek advice from a educated professional (in credit scores / reports / laws) to help you. If you do something wrong, the bureaus give you one chance to get it right, and you and a professional service may not be able to help you. 2. Talk to or settle with the collection agencyThis is the worse mistake. Many times the agency does not even have the legal right to contact you or see your credit file. Once you agree you already harmed your credit worse, and when you pay (or don't) pay them it will harm your credit even worse. There are simple things to do, and our expertise will definately help you. 3. Fix the errors on your credit report first then start applying for new creditWrong! Wrong! Wrong! This approach will hurt your score even more in 1 - 3 ways. First as you start removing your errors / illegal items on your credit report, your score can start to drop because you don't have sufficient credit to maintain the score you had. It is better to add the security of good credit first and build of the score you had. Second, your score could drop to zero / no score. We have seen this before with the stubborn people who want to do it "their way." Then you are like a highschool student starting all over trying to obtain credit, if you can. Third adding new credit after you fix the illegal stuff and errors / mis-information on your credit report, the bureaus will see that you are attempting to get in trouble all over again, and lower your score. What is the right thing to do?Great question! Get that good credit first 1 or 2 of our tradelines / credit programs will work. If you meet the FDIC bank's requirements, then get our Platinum line. If not you could get a secured card or a shopping club card to start. The platinum line has gotten people into the scores they need to get approved, in 15-30 days depending on when they ordered it - and when the bank reports the card to the bureaus. The most important thing is to get the right information at our websites: http://www.improveyourcreditscore.info/ orhttp://credit-makeover.com/ Then Get started with our programs backed by the FDIC and get your credit rating boosted Don't wait around for it to get fixed by itself, that will never happen. Remember to service our large base of exisiting clients from partnered mortgage, real estate and banks we only answer questions via email for pre-sales support or questions. After you get the credit programs, get started with our pay your debt down, this will help as you want to get exisitng credit cards paid down the quick and easy way. This will help the underwriters and the lending agencies get you approved quicker. Wishing you the best success and don't forget to share your testimony with us We are confident you will get your score boosted, because a person that has stopped adding negatives to their credit report and gets started with us, always see credit score improvements.

Don't let this Presidential Campaign distract you from improving your Credit

Mon, 24 Oct 2016 15:59:23 -0700

This year the Presidential campain has distracted people more than any other year from the most important thing - improving credit scores.Here are three ways you can improve your credit score in the next 15-30 days, sometimes 45-90 days depending on each persons credit report.1. Pay Early Paying your balances early avoids late fees. In fact pay your credit card balances 7 days or by the 21st of each month and watch your score improve a little. 2. Increase your creditIncreasing credit can help your credit score, as long as you don't have a bad history of credit problems and you are not trying to increase to a lot of credit. If you have no credit this is the easiest and fastest way to increase your credit score.3. Credit RatioAdding more credit to balance your debt to credit ratio will definately increase your score. Also paying down some of that debt. These are just a few ways you can improve your credit. We have the tradeliness and lines of credit you need to improve your score. You can also learn how to pay your debt down quickly with our programs.Visit our websites for more information, and get started today.http://www.improveyourcreditscore.infohttp://www.credit-makeover.com

Can you tell the difference this persons credit and the other?

Fri, 19 Aug 2016 22:38:45 -0700

Person number 1 Person number 2 Person number 1 just did the few basics to get their credit to a position to secure their funding. They may or may not have paid all their debt down, or removed all negative credit history. They took the first step and we congratulate them for it.25% of our customers don't even go that far, they look into what they can do, and then hope their credit problems will go away. 75% of our customers are able to qualify for a new loan, they added first a good line of credit to help them boost their score and some in 15 days others in 30 or 45 days had the credit score they needed. Of the 75% only 10% go on further and we can understand why some are happy with getting financed. Some Americans with financial woes are hoping that Trump or Clinton will fix things for them magically. They are not facing reality about their own personal issues. The only person who can fix your financial woes is Yourself. When you start to do something, this is where the process gets much easier. There are many other things you can do and you need to do Number 1 - Debt ReductionThis is really a simple task and we have pay down your debt programs available. These are programs you do yourself, not through a scam company like consumer credit counseling and many others that take 50% of your money that you use to pay debt down. 100% of your money goes to pay your debt down, in many different but simple methods our coaching teaches you. Number 2 - Adding some good creditEveryone can use more good credit . A few years ago, a person called me who was the financial advisor to a wealthy billionaire. Because of the Obama Credit Reduction Act (CRA), many banks, credit card companies where not only lowering credit limits as the credit was paid down, but also canceling people with large amounts of credit randomly. The billionaire used his credit card at his first stop, and the second stop the card was declined. He had a large credit limit, and that was why the credit card company canceled, so they were in accordance to the CRA. He needed a large credit line to help, and we helped him. When you get financed for something new, you are adding to your debt. Then again you will need another tradeline of credit to offset your debt. So whether you have no credit, not enough credit or a new loan, you credit score will increase when you balance that debt to credit ratio. Number 3 - Fixing the negative items on your credit reportEveryone has this issue. 99% of all credit reports now have false, inaccurate or illegal information contained on their credit reports. For example, inquiries. By law they have to have your permission to make an inquiry. There are soft and hard inquiries, to many hard inquiries, effect your score. How do hard inquiries get on your report without your permission? Advertising and Credit Card Promotions are one way. The bureaus fail to check this information and this information can easily be removed by a professional. But please when you take this step, get a professional. You would not go to court without a professional attorney. We have trusted partners that can help you. The big stuff - Person number 2This is the stuff many Americans who are overwhelmed by life or the economy that they think they don't have time for.Important things always get the time they deserve, a birthday party, a sports game, what we want to do we make for. The problem is the big stuff is not a high enough priority (important item). Did you know every person needs 5 different kinds of bank accounts to survive in life. Do you know what they are used for the percentage amounts of your income and monthly expenses should be deposited into these accounts ? What about Retirement and Retirement Health Insurance ? 57% of employed Americans have less than $25,000 saved for retirement, not even enough to live one year on. 56% of people over the age of 45 have assets less than $100K and that is not enough for a family to survive. Things that will keep you from your financial freedom1) It never occurs to you that you need to be wealthy or financially free / or you never had the role models to help you obtain financial freedom2) Many people never decide to be successful, and end up staying as they are.3) Procrastination, is the number one blocker, putting it off, day by day, week to week, month by month, year to year.4) Inability to delay gratification - people that spend their paycheck before they have it in their hands5) Lack of time perspective - the amount of time making and acting on important decisions in life (a person that puts $50.00 a month in an account so their newborn child can go to college has long term perspective). What about making safe investments that yield a nice Return of Investment ? This is the way rich people make extra money all the time. What about creating passive income? Passive income is money that is generated monthly from other sources while you are doing what you love to do most, spending time with your loved ones or family. Do you want to learn this by yourself, and make mistakes or do you want to learn from people who are already financially free ? What can you do today to turn your financial situation around ?1) You can make the decision to do something about it2) Then you can act on that decision and start doing something about it We are here to help. If you want to learn much more about your and take the steps we recommend you to go to our financial freedom network and start your free education. www.financial-freedom-network.com Maybe you are a real estate or mortgage broker and you want to help your clients in their financial freedom. You can also lead them to our network. If you are trying to qualify for lending and need some credit lines, or a loan you can visit our improve your credit score network. www.improveyourcreditscore.info If you are trying to pay down your debt and take some other steps to makeover your credit, and can visit our credit makeover networkwww.credit-makeover.com Congratulations on taking your first or next step to bettering your finanical situation and life.

Having a Paypal account will destroy your credit and business

Mon, 01 Aug 2016 06:35:06 -0700

Many people have paypal, but they don't know some important things about your credit.When you signup with a Paypal account, you should of read their terms, which discusses some things but many things are not disclosed.A Credit Check?The first is through credit report inquiries. According to the PayPal terms of service, your credit report may be reviewed in the following situations:Credit Report Authorization. If you open a Premier or Business Account, you are providing PayPal with written instructions and authorization in accordance with the Fair Credit Reporting Act to obtain your personal and/or business credit report from a credit bureau. You are also authorizing PayPal to obtain your personal and/or business credit report: (a) when you upgrade your Personal Account to a Premier or Business Account, (b) when you request certain new products, such as the PayPal Debit Card, or (c) at any time PayPal reasonably believes there may be an increased level of risk associated with your Premier or Business Account.When a company checks your credit reports, it creates an “inquiry” on the credit report that was used for the review. This inquiry can lower your credit scores, and result in a loss of several points. However they check at random, any time they want, and this is what hurts your score because the credit bureaus think you are applying for more credit and thus becoming a risk.Bad Credit = No PayPal?However, if you continue reading the terms of service, you’ll run into what appears to be an even more alarming clause: 9.1 Restricted Activities. In connection with your use of our website, your Account, the PayPal Services, or in the course of your interactions with PayPal, other Users, or third parties, you will not: Have a credit score from a credit reporting agency that indicates a high level of risk associated with your use of the PayPal Services; This is alarming for those with not so good credit. While there are anecdotal reports online of PayPal closing accounts due to poor credit scores – and leaving those customers in the lurch while they waited for the funds in their accounts to be unfrozen – these appear to have happened a few years ago. When we asked PayPal whether consumers’ accounts could be closed due to poor credit scores, they said no: “PayPal will not close user accounts solely based on a poor credit score.”Another way a PayPal account could potentially affect your credit is through bad debt.This issue appears to sometimes come into play when there is a dispute over something a seller has sold – either on eBay (which owns PayPal) or online – and payment was received via PayPal.So, for example, let’s say you sell your cellphone on eBay and receive $100 from the buyer via PayPal. Then let’s say you turn around and quickly spend that money on another electronic item.If your buyer later disputes the purchase, PayPal often refunds the buyer and tries to get the money back from you — the seller. But if the money has already been spent, and there is no backup form of payment available (such as a linked bank account), then that amount may be considered a bad debt. If that debt is turned over to collections, it potentially could appear on your credit reports as a collection account, and lower your scores.It’s also worth noting that when you check out using PayPal, you’ll be offered the opportunity to pay for your purchase using a service called “Bill Me Later,” which lets you pay for that item later. This service features a line of credit, and your credit report will be reviewed if you apply for one of these accounts. Bill Me Later is clear about how credit reports will be reviewed for this service:A credit report is reviewed when you apply for a Bill Me Later account and occasionally when you ask for an increase in your credit line. Periodically, updates of your report are obtained, but these updates have no impact on your credit score. Your account is reviewed quarterly. If for any reason your credit line is reduced, you will be notified of the reason in writing.Bill Me Later may affect your credit scores as a result of the inquiries that are reported as well as through the account that will be reported on your credit reports. The impact can be positive or negative, depending on whether you pay late or carry large amounts of debt.Has your PayPal account affected your credit scores? Share What is more alarming is this:Paypal violates over 120 laws concerning the FCRA or Fair Credit Reporting ActThis is very alarming not only to consumers but also to businesses, mortgage firms, banks, financial firms offering credit to people with not so good credit.There are over 120 laws alone that protect consumers and businesses in the Fair Credit Reporting act , however according to PaypalTerms and services AUP states any consumer or business that is trying to improve their credit or get approved for credit by a company violates their terms of service. Offering services that include adding a customer's name to an established loan or a line of credit with the intention of improving the customer's credit score. Paypal is in violation of the Fair Credit Reporting , Title 15 United States Code Section 1681 Act , the Constitution of the United States and other US laws. They are under investigation by the Federal Trade Commission, the Better Business Bureau, and other Governmental agencies. We also found out the Attorney General is looking into their serious violations. More of your rights under the constitution include: "natural rights" are "life, liberty, and property"; Private Property: (2) Tools needed for one's livelihood. (3) Personal property, which others may be denied the use of. Non-natural rights of personhood, (1) To enter into contracts, and thereby acquire contractual rights, to secure the means to exercise the above natural rights.[1,15] (2) To enjoy equally the rights, privileges and protections of personhood as established by law. (3) To petition an official for redress of grievances and get action thereon in accordance with law, subject to the resources available thereto. Non-natural rights or citizenship: (1) To enjoy equally the rights and privileges of citizenship as established by law. We just confirmed that the attorney general will pursue this case against Paypal's violation of the law. Would you like to read our open letter to Paypal click herePlease help us fight, by contacting the (click the agency title for the web link) Currently we have a growing list of over 22 million who wish to file a class action lawsuit against Paypal.FTCBBB of CaliforniaCalifornia Attorney GeneralNebraska Attorney Generaland any other agencies to file a complaint against Paypal for violating your rights. Also they violate hundreds of other laws, including fair debt practicing act and others. We advise you to open a Payoneer account, or other pre-paid card services to do your shopping online. Merchants never should open a Paypal or 2Checkout account! Stripe is something new and better.

Approved good credit how much do you need? What about Donald Trump?

Mon, 01 Aug 2016 06:06:42 -0700

People desperate for credit, flood our support centers with statements like this or "I need a large amount of credit." In todays informational blog we will talk about what you need.First of all we have to divide people into different kinds of groups.There are people with1) Excellent Credit2) Good Credit3) Not so good creditThis keeps it simple. No matter what group you fall in, everyone must have enough credit to offset debt. So let's talk about a controversial Presidental Candidate Donald Trump.Trump has a lot of money right ? Does this make his credit good ? Depends on what deal you are trying to finance. Surely his name maybe a alone enough or bad depending on whether you like the guy or not.I want to use him as an example because recently his agent called us. The broker asked for a me personally. The call went like this:"Hello my name is, so and so and I am driving my Rolls Royce down the street. I am an agent for Mr. Trump who you met last year at a business seminar. He wanted me to call you because Mr. Trump just suffered a problem where one of his unlimited account credit cards was cancelled. He used the card at one location, then the next location it was declined. As you can imagine who he is, how embarrased he was pulling out another credit card to use. We called the credit card company and they said because of a new law (one that Mr. Obama en-acted called the credit card reduction act) credit card companies had to cut down the amount of debt. They apologized that their computer did it randomly and was unfortunate that Mr. Trump was one that was affected by this. However now he would have to re-apply for a new credit, which would be significantly lower. Can you help Mr. Trump get some credit to offset his debt?" Now we don't have tradelines higher than $10,000 in a single amount, but we had a partner at the time that could help.The point is this no matter what your credit is, you have to offset that debt. Your available credit must outweight your debt more than 60% So if you had $4,000 debt you need $6,000 available credit to offset this at the bare minimum. It would be better to have $14,000 available. Depending on how much your income is, because if you have a lower paying job, your debt to income ratio would be affected if you are applying for a mortgage.So it is a balancing act, but it is always acheivable no matter what credit rating or how much debt you have. So what is the solution ? If you have way too much debt and you have time before getting the lending you need. We recommend first to pay your debt down. http:://www.credit-makeover.com But if you are already applied for credit or you need something quick even before you do some credit restoration yourself or with a professional, you need credit.http:://www.credit-makeover.com has the add some good credit option to help you. Okay maybe you are getting close to retirement, or you are reading how bad the retirement will be, then you really need some credit and you need retirement advice. Again we can help http:://www.credit-makeover.com Maybe you have enough credit but you are wanting to learn how to invest this credit and money you have, then we can help educate you http:://www.credit-makeover.com We have a 12 step program that can help people at all stages of their financial life. It is smarter to get started now, so why now learn more and visit our site today ? http:://www.credit-makeover.com We wish you the best success!

Your approved for credit , regardless of your credit status

Mon, 02 May 2016 10:00:26 -0700

Hello credit seekersYou can get approved for credit regardless of your credit status. We are flooded with thousands of emails asking for help. I need a 10,000 credit card, and I need a business loan. But, my credit is not so good. What do I do ?Be PatientThis is the first step A lifetime of credit problems, or a short setback in your credit does not mean that you can not get the credit you are looking for. Bad credit, Good Credit, Bad Credit report ... it doesn't matter there is help... But, you cannot come to a finanical firm in despirate need and say, "hello my name is Samuel Jones and I have some credit problems, will you please get me approved for $10,000 or more ?" The bank representative will probably laugh at you thinking this is a joke. But we understand, however you must realize that you have some issues that need resolved first. This is where we can help you. We can get you a secured credit card, or a tradeline with approval up to $7500 or more. We even have many lending options available based on your credit. Then you can say thank you to our team and move on to your dream.But, again whenever I get a phone call or email from people asking for a credit line of $10,000 or a loan. I tell them, this is not the service that I can help immediately with. But I can help you with something more important. Re-establishing your credit and also restoring your credit status. Then I can help you get the money, credit or loan you need.Some people don't want to wait, then 3 months later they are back knocking on our doors for help. Some sit and day dream, while their opportunites pass them by.Serious people read the information to see what service they qualify for , and then they take the steps and the affordable investment in their future.Are you one of those serious people, then contact me, or visit our websites.For credit re-establishment, tradelines, loans visit our website at http://improveyourcreditscore.infoFor a complete makeover, including restoring your credit, repair, securing your retirement, investments and much more, visit our sister website at http://credit-makeover.comWe look forward to serving you and helping your dreams come true.

How Paypal Violates your Credit Rights

Sat, 13 Feb 2016 00:47:58 -0800

Found this article about how the Government knowingly allows Paypal to operate in violation of hundreds of laws. Paypal did not respond to the article because they have included all paypal users from 2006 to 2016 in a settlement, without their permission, and unless the user (or paypal merchant) excludes themselves from the settlement, the court deems, that the paypal account holder will not be able to sue them or ever do any litigation and all current/pending litigation against Paypal. The most disturbing part of the article (used by permission), was that of it's account holders right to pursue means of credit. Read it for yourself. 10 Things Paypal needs to do before it succeeds or loses against it’s competitors. Stripe, 2Checkout, Payoneer are just a few of new merchants doing business and Paypal is behind the times. As Paypal emerges from Ebay, it must first address some key issues.When we interviewed consumers and businesses who have used the Paypal service, they all have many things as the common denominator that caused them to leave Paypal behind.We investigated over 10,000 problems and complaints against Paypal and have listed them in the top 10 problems they need to fix. Fix their customer service: The number one reason consumers and businesses from small to large are leaving Paypal is customer service. Customer service for Paypal is dominated by it’s own world, separate from the world of first class customer service. Paypal thought that a tier level support system, hiding it’s dispute department, it’s Brand Risk Mangement, AUP (Acceptable Use Policy) Department, Executive escalation behind one of the most secure fortresses in the world. These are just a few of the multiple departments hiding behind the guise of customer service. Customer service has no authority to let the Paypal user talk with directly any of it’s back office people. This is unlike any bank in the entire world. Banks all across the globe allow it’s members (customers) to talk with departments and not hide. Paypal hides behind the wall of email correspondence, but the customer has no say, or is able to dispute any of their decisions. Paypal’s decision on the customers money or business is controlled by their own “Hitler driven” as some have suggested communist decision making. Paypal makes it’s decisions based on their interpretation of what the customer’s complaint or issue is. Whether this is a dispute as a consumer, or a dispute as a business or a AUP policy interpretation. Some interpretations we have investigated are clearly made up myth’s and are not based on any concreate evidence or explanation from it’s consumer. Things like a Ebay purchase that was made and the item is defective, Ebay does not have a guarantee on the sale. Ebay in return directs the consumer to Paypal. Paypal can either without any supported evidence, make the decision in the favor of the consumer or the business. Once a decision is reached, and many times without any feedback from the consumer or business, it is final and can never be disputed again. This is much unlike any FDIC protected bank or world bank. The user always has a say and can also engage the government to help in a unsatisfactory dispute. Abide by the laws of the land wherever they do business, in the United States, Europe or any other Country. Account limitations are the second reason consumers and businesses leave the service. This is another form of communism which Paypal proudly controls. In fact Paypal’s own CEO Daniel Schulman seem to be “above the law” concerning the reasons behind the limitations or any other problems a paypal customer has. Again the consumer or business has no recourse, except legal but once that is threated, Paypal will confiscate all funds on the account. See Zepeda, et al. v. PayPal, Inc and Fernando, et al. v. PayPal, Inc. If the Court approves the Settlement, and after objections and appeals are resolved, PayPal will obligated to implement or maintain certain business practices. Plaintiffs in this case allege, among other things, that PayPal improperly handled disputed transactions on PayPal accounts and improperly placed holds, reserves or limitations on accounts or closed or suspended accounts. Plaintiffs also allege that PayPal failed to provide them with annual error-resolution notices and monthly account statements allegedly required under the Electronic Fund Transfer Act. Paypal denies any wrongdoing and to deceive it’s members, they include all paypal customers in the suit, and state this “If you are a Claims Class Member, unless you exclude yourself, you are staying in the Claims Class, and that means that you can’t sue, continue to sue, or be part of any other lawsuit about the legal issuesreleased in the Settlement Agreement. It also means that all of the Court’s orders will apply to you and legally bind you.”Major violations of world wide governing laws. We found over 300 US laws and 50 European laws that Paypal violates. Whether it is a law to protect a consumer, or a law to protect a business, Paypal is among the biggest violator of laws. And unlike Eron, Tyko, AIG, and many other major corruption cases, Paypal is “above the law.” Many of the cases we investigated, are untouched by governments, except one case that is being investigated by the FTC at this moment. One of the biggest laws that Paypal violates is the FCRA (Fair Credit Reporting Act), this is the case the Federal Government is investigating. The FCRA has over 120 laws and everyone of them has been violated by Paypal. To explain, the FCRA protects consumers from seeking credit or repairing their credit. It also protects businesses to be able to offer these services. Paypal in it’s own AUP, clearly states in their email to a consumer who has used paypal to purchase a line of credit or credit repair, or a business offering those services this : “Those factors include: - Charging fees prior to the completion of advertised services.- Offering services that include adding a customer's name to an established loan or a line of credit with the intention of improving the customer's credit score. “But their website AUP does not include these items. When the consumer or business that was shut down contacted Paypal to intervene, they stolen from. The other laws Paypal clearly violate are clearly stated (see .pdf download) “(i) involve certain credit repair, debt settlement services, credit transactions or insurance activities, or”And these services also are protected under the FCRA, Title 15 of the USCS 1681 Act, and the US constitution.When we contact Paypal through a current Paypal customer, the customer service representative quickly quoted that paypal cannot allow anyone “who wants to improve their credit score or business to help them, or certain persons who have not so good credit” be a paypal customer. Whether the credit scan Paypal used is valid, the user has no recourse to fight back. The (CROA) Credit Repair Organization Act of 1996 prohibits a variety of false and misleading statements, as well as fraud by financial companies. It and the FCRA also allow the customer to dispute and challenge inaccurate information contained on a credit report, something Paypal violates and will not allow a potential or active customer do. We also found that the ECOA (Equal Credit Opportunity Act of 1974 prohibits discrimination in credit transactions on the basis of certain personals characteristics including “being a recipient of public assistance or exercising your rights under the CCPA (Consumer Credit Protection Act) all of these are enforced by the FTC (Federal Trade Commission). The Fair Credit Billing Act (1974) requires that a credit card company promptly credits your payments and corrects mistakes on your bill without damage to your credit score. It also lets you dispute credit card billing errors and withhold payment for damaged goods. See also Truth in Lending Act below. The Fair Credit Reporting Act (1970) protects you against inaccurate or misleading information in credit files maintained by credit reporting agencies. It requires that you must be told what’s in your credit file and have the ability to correct any errors. The Risk-Based Pricing Rule implements section 615 (h) of the Fair Credit Reporting Act. It gives you the right to a free credit report annually, protected access and accurate reporting. This act gives you the right to have inaccuracies fixed in a timely manner as well as the right to sue and seek damages for violations. The Consumer Credit Protection Act (1969) is an umbrella consumer protection law that includes the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Credit Reporting Act, Credit Repair Organizations Act, and the Truth in Lending Act. According to our email with the FTC (Federal Trade Commission) Paypal may not discrimintate based on your credit status. They may not discriminate if you do not have a phone number. They not refuse to consider you based on your credit status. And you have the right to get credit to help your credit score improve, or get credit with a cosigner. Cannot prohibit you from disputing or repairing your credit. They must verify whether or not items on a credit report are accurate under the FCRA. And most importantly prevents them from circumventing the law. All of these are enforced by the FTC. According to the FTC conduct that is not allowed- Contacting after you have been a customer, and requested to validate a debt or improve your credit score This is just the first part of the 120 violations of the law Paypal has violated. Paypal is liable for any of these violations, whether this be criminal, or civil. There are several class action lawsuits against paypal, including one that has over 22 million people who are in the process of joining. What can you do? If you have been a victim of this abuse, you can contact :FTCBBB of CaliforniaCalifornia Attorney GeneralNebraska Attorney Generaland any other agencies to file a complaint against Paypal for violating your rights and also file a lawsuit , damages can be in excess of millions of dollars depending on the violation. You can also boycott Paypal, or discontinue their service before they freeze your funds, and make your company inoperable. Will Paypal be another Enron, Tyco, Worldbank, AIG, that the FBI shuts down or another JP Morgan, and then what happens to your business or money ?Paypal must fix their bad image. Many consumers do not trust Paypal and will not do business with them, or any service using their payment processing. Trust is a serious issue and if consumers do not trust Paypal, paypal must address this issue, not in a superbowl commercial that talks about what Paypal can do, but in commericals and advertisements that help change their image. If the image is based on something Paypal is doing, then they must change what they are doing wrong.Stop suspicious activity lockouts. Paypal will lock an account for 6 months or more if they detect suspicious activity. A photo hobbyist who buys and sells cameras on Ebay was just one of the deemed suspicious activities that lockout the account. The customer had not recourse to dispute or unlock. Paypal’s hidden offices act as a “supreme God” in these issues. What bank do you know that you cannot walk into the Vice President’s or Presidents or Managers office ? None! But not Paypal, they are hidden behind a internet firewall and does not even have a brick and mortar location you can visit.Protect Chargeback Fraud. Paypal is known as the worlds biggest violator of this issue. A person purchases something, receives it, and then later charges it back. The business has no recourse to get the money back (also see #1).Protect purchases. Paypal offers virtually no recourse when a consumer purchases a defective, damaged or faulty product. Many times Paypal in this case favors the paypal business and offers no way for the consumer to prove or get their money back. Whether it is $20 or $2000 or more.Fix their wrong delivery addresses. This is the seventh biggest complaint by consumers, who use paypal, and provide a delivery address, but Paypal uses a wrong address. Paypal offers no refund for items delivered wrongly and not returned.Give the refunds back to the business. This is the 8th biggest complaint against paypal that we investigated. Paypal will issue a refund from the user, but keep it and never give it back to the business or allow the business to try and recover the refund.Quit being a small business killer. This is another big of the top 10 out of thousands we investigated. This just made number 9. One of the complaints involving a person selling products that help people learn new languages. In five days he made over 30,000 and had reoccurring billing. Paypal froze it even though the person had used Paypal for years. That meant he had no way to refund a customer, pay freelancers who helped in the language course or continue his business. Customers who had signed up stated lawsuits against him. This is just one of the problems being investigated by the EU commission, who may shut down paypal from using their services in Europe and heavily fine them.Fix their Paypal Credit problems. This problem involves many complaints. From Paypal pulling a credit report, giving a big credit line, damaging a credit score, and offering no way to fix this, to people who tried this and had a inaccuracy on their credit report (see #2) then being denied Paypal services, in which Paypal freezes the account. The biggest problem of all of these thousands of complaints is how Paypal freezes the accounts, and makes millions off of interest by the amount of money they have frozen for 6 months to a year, and that interest they profit off of, does not go back to the customer. Paypal claims, they have a right to this money because they (falsely or knowingly (fraudulently) locked out the account. You never here stories like this from banks or credit card companies. Paypal will have to address these issue, if they are not seized by the Federal Government, fined, or banned form other countries before they will survive.We have contacted Paypal before we are a getting ready to publish their story, but the only response we have gotten so far is that “Paypal cannot discuss the details of a specific account, or it’s policies and cannot help if we (the AP news organization) is not a current customer.”We will keep you posted after this story goes viral and Paypal possibly responds.

Paypal doesnt want you/your broker/loan officer improve your credit

Thu, 01 Oct 2015 11:46:41 -0700

Paypal does not want you or your mortgage broker/loan officer to help you improve your credit scorePaypal Inc (PYPL) not only will shutdown any user, or business that works for a finanical firm, mortgage firm, real estate firm, or bank, they also prohibit users from with not so perfect credit from using their services.Paypal says "Any company that vioalates our Acceptable Use Policy:Those factors include:Under the Acceptable Use Policy, PayPal may not be used to send or receive payments associated with certain credit repair, loan modification, or other debt settlement services that it believes are high risk based upon consideration of one or more factors. Including: - Offering services that include adding a customer's name to an established loan or a line of credit with the intention of improving the customer's credit score. - Engaging in activities that are the subject of investigations or warnings by governmental agencies.PayPal, Brand Risk ManagementPayPalWhen contacted about advising people thier rights under the Fair Credit Reporting Act, Paypal says that no company or individual that wants to improve their credit score, can be a paypal customer.In addition, we have had users complain to us, that using paypal, is subject to a credit scan, whether or not the credit report is valid, the user has no defense to fight back, or repair their credit and reseek paypal approval. The Credit Repair Organizations Act (1996) prohibits a variety of false and misleading statements, as well as fraud by credit repair organizations.There have been over 2 million lenders, real estate professionals and financial firms shut down recently by Paypal.What laws do Paypal Violate ?Title 15 United States Code Section 1681 Act , the Constitution of the United States and other US laws. your rights under the constitution include: "natural rights" are "life, liberty, and property"; Private Property: (2) Tools needed for one's livelihood. (3) Personal property, which others may be denied the use of. Non-natural rights of personhood, (1) To enter into contracts, and thereby acquire contractual rights, to secure the means to exercise the above natural rights.[1,15] (2) To enjoy equally the rights, privileges and protections of personhood as established by law. (3) To petition an official for redress of grievances and get action thereon in accordance with law, subject to the resources available thereto. Non-natural rights or citizenship: (1) To enjoy equally the rights and privileges of citizenship as established by law.The Equal Credit Opportunity Act (1974) prohibits discrimination in credit transactions on the basis of certain personal characteristics including race, color, religion, national origin, sex, marital status, age, being a recipient of public assistance or exercising your rights under the Consumer Credit Protection Act. Enforced by the Federal Trade Commission, this act protects you from unfairness when applying for credit.The Fair Credit Billing Act (1974) requires that a credit card company promptly credits your payments and corrects mistakes on your bill without damage to your credit score. It also lets you dispute credit card billing errors and withhold payment for damaged goods. See also Truth in Lending Act below.The Fair Credit Reporting Act (1970) protects you against inaccurate or misleading information in credit files maintained by credit reporting agencies. It requires that you must be told what’s in your credit file and have the ability to correct any errors. The Risk-Based Pricing Rule implements section 615 (h) of the Fair Credit Reporting Act. It gives you the right to a free credit report annually, protected access and accurate reporting. This act gives you the right to have inaccuracies fixed in a timely manner as well as the right to sue and seek damages for violations.The Consumer Credit Protection Act (1969) is an umbrella consumer protection law that includes the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Credit Reporting Act, Credit Repair Organizations Act, and the Truth in Lending Act.According to our email with the FTC (Federal Trade Commission)Paypal may not discrimintate based on your credit status. They may not discriminate if you do not have a phone number. They not refuse to consider you based on your credit status. And you have the right to get credit to help your credit score improve, or get credit with a cosigner. Cannot prohibit you from disputing or repairing your credit. They must verify whether or not items on a credit report are accurate under the FCRA. And most importantly prevents them from circumventing the law. All of these are enforced by the FTC.According to the FTC conduct that is not allowed - Contacting after you have been a customer, and requested to validate a debt or improve your credit scoreThis is just the first part of the 120 violations of the law Paypal has violated. Paypal is liable for any of these violations, whether this be criminal, or civil. There are several class action lawsuits against paypal, including one that has over 22 million people who are in the process of joining.What can you do? If you have been a victim of this abuse, you can contact :FTCBBB of CaliforniaCalifornia Attorney GeneralNebraska Attorney Generaland any other agencies to file a complaint against Paypal for violating your rights.and also file a lawsuit , damages can be in excess of millions of dollars depending on the violation.You can also boycott Paypal, or discontinue their service before they freeze your funds, and make your company inoperable. We are switching to new processors that do not violate the law, please be patient with us as this transition takes place. We have over 300 waiting.

Win an overnight bag, summer improve your credit score

Fri, 07 Aug 2015 06:12:39 -0700

We are giving away a over night duffle bag like this for ladies or gentlemen. We want to help your credit improve, so when you purchase more than $250.00 in services on our sites, we will send you a bag like this. Your credit can be improved and the best way to improve your score is our tradelines.Head on over to improveyourcreditscore.info to get the tradeline, and head on over to credit-makeover.com to find another service of interest. Maintaining a good credit score is simple when you have the right amount of available credit balanced to the debt you owe. This is the key to great credit. Enjoy your summer and family

Check out this increase in just 30 days

Sat, 25 Jul 2015 03:26:08 -0700

Over 197 points on Experian and 180 points on Equifax !This client is celebrating, and now in the process of getting her new home. Thanks to our FDIC backed Tradeline, the top is yesterday's pull, the bottom when she started. She spoke with her mortgage broker today to pull and the scores were actually higher than the transunion report. She will also have a lower interest rate and save thousands, so he small investment, paid off big! As we are always educated , that debt to credit ratio is 40% of the score factor and all she needed was some positive credit to help it boost.Congrats!If your an individual contemplating about this excellent, program, we encourage you to wait no longer. If your a real estate professional or mortgage broker and you are not sending people to get started, we hope you reconsider, this will really help your pipeline to close.Now here is the link, and of course we have other products also --> http://www.boostyourcreditscore.info/product/6500-platinum-card-tradeline/And if your client is in need of some cleanup, look at this report below and follow the link to get them started. Here is the link to get started --> http://goo.gl/CB9m5J If you just need to pay some debt down then here is the link --> http://goo.gl/7YIbt8 If your real estate or mortgage broker is helping you get a checking and some savingsaccounts active before you close then follow this link --> http://goo.gl/ex5o1pMaybe you need a total credit makeover that will secure your future and retirement --> http://goo.gl/h70IlQ What ever you choose, we wish you success in advance.

Summer is a great time to get your credit score increase w/ tradeline

Thu, 16 Jul 2015 10:06:29 -0700

Well it is that time for family, fun, travel, and work. But relaxation comes in many forms. Here are some simple steps to take while summer is quickly passing by. 1) Go online to myfico and check out your scores2) Have a garage sale, or yard sale to put some money together (or sell some things on craigslist)3) Now go to our website to get the most trusted and FDIC backed Tradeline click here Here are some other things you can do you might not of known1) If you have credit cards or things that report to the credit bureau , make sure it is paid before the 20th of each month. You will sure to increase your scores for early payments, even it is due on the 1st of the month. Many times payments after the 24th are considered late.2) Instead of taking the family out to eat and blowing $100, get some other tools on our website that can help improve your credit3) Start thinking about your future. Do you have your retirement planned other than relying on Social Security ? We have programs that will help you secure your retirement.4) Think about building some passive income. How can you do that , our experts can help. Then you will have regular monthly income coming in, the next step is to increase the amounts so you can live off your passive income.5) Enjoy your summer

Summer is busy with tradelines, credit restoration, financial freedom

Sat, 04 Jul 2015 23:13:58 -0700

So maybe it's time you also take a look at what we have to offer. Tradelines, Credit cards, LoansCredit Restoration From Credit Restoration, to tradelines, to securing your retirement, or setting up emergency and planning savings accounts, or learning how to earn passive income. we can help with all of them. click this link : https://www.youtube.com/watch?t=173&v=N6BhydBCrzM Credit repair and how to clean up your credit report. Everyone that reads this I hope will watch the video , and then go to the site. Every American must think about this and do something about it. Here are some common subjects we are asked about and discuss in our services The challenges of living without a good credit scoreHow do get a credit cardPay down your debt fastEstablishing CreditFinancial IndependenceCredit ratingDo you want to learn how to obtain financial freedom? And improve your credit rating / score to Excellent ? Do want to learn the secrets of retirement planning? And how to make wise investments ? Do you want to learn how to pay down your debt quickly, And the do it the right way, so that your credit is not effected negatively? Would you like to have access to personal wealth and success coaches? Let me tell you why you need to learn this information, but most importantly why you need to have an excellent credit score and why you need to be financially secure. Please watch the video.

Buffet, Bloomberg, Trump agree you need financial freedom

Sat, 23 May 2015 03:08:34 -0700

@WarrenBuffett @MikeBloomberg @richardbranson @Forbes @realDonaldTrump all agreen you need to learn how to live financially free, get out of debt, build passive income. Things are always going to have their ups and downs. But it doesnt have to effect your finanical freedom Learn more http://goo.gl/TAUPB9

The truth about a good credit score and financial freedom

Wed, 06 May 2015 21:22:38 -0700

The economy is on a rollercoaster ride, and the credit bureaus and the FTC want you to believe the you can fix your credit yourself or not at all. Just reading that information causes people who are in financial difficulties to avoid the issue even more. That’s not what the Financial Freedom Network (FFN) has to say about it. The Financial Freedom Network program can restore good credit and help you achieve financial freedom in a relatively short amount of time compared the the years a person has suffered with these kinds of issues. The idea that you can have restored credit, available credit, lending approval and financial freedom - maybe for the first time in your life, would be like starting your life over again. So what’s this all about ?The Financial Freedom Network says there is a dirty secret behind the credit bureau industry. They say no matter what kind of financial problem you suffer from, whether it is bad credit, no credit, no income, bank problems, bankruptcies, foreclosures, public records, collections, late payments, is that these problems can be completely or partially reversed. There is something to the idea that the credit bureaus are out to create more credit report problems for consumers. Any collection agency knows first hand how much money is made off of people who have financial problems. As of December 31, 2014, total consumer indebtedness was $11.52 trillion, up by 2.1%. Aggregate consumer debt increased in the fourth quarter by $241 billion. Collection companies know they can collect on the same debts (illegally, but it is a common practice that the Government does not enforce) up to 7 times or more. This means the bureaus and the collection companies stand to profit over 1.89 trillon dollars. FFN says the three credit bureaus are privatized companies making money in more ways than just bad credit problems. The financial freedom network (FFN) explains how they make such a big profit. Take for example thehipaa privacy act of 1996 which protects your identity. FFN says a consumer “Jane Doe” who was unable to pay a hospital bill, whether the Obama Care act refused to pay, or insurance failed to pay, or they just could not afford it, eventually is sold to a collection company for pennies on the dollar. First of all it is illegal for the hospital to give out any personal information to anyone that you were cared for. Secondly the hospital has insurance for unpaid accounts, so the account was paid and then some times written off on taxes as bad debt, even though they got paid. This means Jane Doe’s bill was paid in full. The hospital profits some more when they sell part of the debt to a collection company. The collection company pays maybe $1,000 for a $10,000 of a $100,000 debt. The collection company calls and sendletters to Jane Doe requesting they she owes them $100,000 but will make a deal for half. After Jane is harassed at home and work and threatened she tells ABC collection company, she can’t afford that much, so ABC collection company says ok the lowest they can go is $25,000 (remember they paid $1000for only $10,000 of the debt, but they want to make as much as they can). Jane agrees to payment plans and pays them off in a couple years. The promise made to remove it was not kept, they only changed the status from “unpaid” to “paid”. Still ruining her credit. Then when 3 years expire, ABC collection tells their buddy partner XYZ Collections there is more debt to be collected. XYZ collections call the hospital,agree to purchase another $10,000 of the $100,000 and now Jane has a new collections for the same account. She swears it was paid, but has no proof, and XYZ will say she only paid part of it, not all of it. Ever see a collection reappear on your credit report after it was paid, and now a new collection agency is collecting on the same debt you thought you paid? That’s how it happens. FFN says there are hundreds of laws that protect the consumer for these types of issues. Not only that people suffering from bad credit can get approved and can get these credit report problems fixed. FFN will help you get a credit card, better credit score, credit approval, loan approval. They will teach you how to pay down your debt fast, establish good credit, create passive income, secure retirement and obtain financial independence. FFN says this help is extremely importantly why you need to have an excellent credit score and why you need to be financially secure. Check out this FREE VIDEO to see what it’s all about. http://goo.gl/T0kfVe

What are legal Tradelines underwritten by an FDIC Bank? Credit Score

Mon, 04 May 2015 20:48:37 -0700

Legal Tradelines underwritten by an FDIC Bank that will help boost your credit score. Click here to get started Use this coupon code at checkout to get 33% off our platinum tradeline: pl33m which is already automatically activated.Are tradelines legal?This is a question we get all the time whether it comes from a consumer or a mortgage professional.Another question tied to this one is how do we find a tradeline that is in SINGLE revolving account? We only offer Single revolving accounts.So we put a little chart together for youAs you can see from the chart above our tradelines and especially our Platinum tradeline are the only ones we know of that are available and secured by an FDIC bank.The other questions then should be answered because any tradeline outside of the ones we carry, are not legal. We have partnered with banks who provide solutions to people with credit issues. See video below.This is the big difference.So who will you choose?Click here to get started Use this coupon code at checkout to get 33% off our platinum tradeline: pl33m which is already automatically activated.Click here to get started Use this coupon code at checkout to get 33% off our platinum tradeline: pl33m which is already automatically activated.

Helping your potential customers get approved for credit

Mon, 04 May 2015 04:27:17 -0700

We are helping people get approved for credit everyday. Why refer your customers some other firm where they must pay thousands of dollars for help ( whether they are seasoned tradelines backed by small financial firms, or credit repair companies with high fees ) when they can have affordable options backed by FDIC banks through our trusted financial partners. When you do not address the applicants who have credit issues here is what happens: When they find help someplace else, and many times find our services, the usually find another lender. But if you put them in Your future pipeline, you can help them down the road in just a few short months.More than 75% of our customers are in the process of trying to qualify for a mortgage or loan, and all of them that follow our guidelines are being qualified because of the credit and the credit score increase this line of credit provides. We have been providing services fo over 20 years in the finanical industry and we have reputable partners who can help your potential clients. This is a great way to get more business from your Loan Officers and Mortgage Brokers that you work with. We are here to help you close more sales, but more importantly help your customers. When you find out they have some credit report problems. What if, you referred them to a company that can help them, and spend a little investment in them to help them get approved. I know what will happen, because I have seen if over and over.They will come back to you when they get their credit reportin order. Please don't forget stay connected with them throughout the process. Here is what we can do to help: 1) Many times their score is not enough and the report is finebesides the score. Our Unsecured Revolving Line of Credit underwritten by a FDIC Bank (not a finance company) reports all new active accounts every 3 business days to all 3 major credit bureaus We recommend ourplatinum tradeline http://goo.gl/YO7xXT they are approved in a few minutes and in 7-15 days it will post and they will start seeing results. It is important to add credit first. We also have other affordable options depending on their credit situation,when they don't qualify for the platinum line. 2) If they have more time before they need to close (i.e. 6-12 months), then we recommend our pay your debt down program as the second choice. (or fist choice). This will help them drastically reduce their debt and improve their credit. http://goo.gl/TAUPB9 3) Our credit restoration partners have several different options with monthly payment plans to help them start addressingthe negative items on their credit report. This includes paymenthistory correction, deleting collections, public records andinquiries, chexsystem resolution. http://goo.gl/TAUPB94) We take the customer on a journey helping the get the right savings accounts in place, helping them with retirement, investing, creating passive income, and other financial coaching to help transform their financial situations. http://goo.gl/TAUPB9 No matter what type of customer , we have programs to help them. We hope we can partner with you to help boost your pipeline. We are looking forward to working with you and we are here to assist each of your customers. I'll be happy to answer any questions you may have. Our GOAL to lend a hand and better position your customers for SUCCESS in the future.

Why add positive credit FIRST, like a tradelines to boost the score?

Tue, 28 Apr 2015 08:05:51 -0700

Why add positive credit FIRST, like one of our tradelines first to boost the score?Watch and find out Our experts have worked in the financial sector for many years and this is why our program is shaped to makeover your financial life in the best possible way. Because your score is effected by debt to credit ratio. Here is how to determine your debt to credit ratio. Add all your balances (debts) divided by all the avaliable credit limit amounts --------------------- Credit Ratio When you start disputing items on your credit report 1. Lenders are afraid to approve you for new credit or tradelines2. You start deleting any history you had, and the score can drop3. or drop to zero / no score What is a good credit ratio? On revolving credit accounts (credit cards) the average debt to credit ratio is 7%On installment accounts (mortages / other loans) the average is 35% (35% of the original loan amount is paid off) Now maybe you are beginning to see why our experts recommend adding good credit first. Becauseit is a faster way to help boost a credit score and keep it maintained. The other way is to purchases our pay your debt down program and start paying that debt down which can take more than the time frame you are need at the present moment. What is the best utilization of your c redit ratio ? 9% or less, you will see dramatic increases in scores. But also we have some other tips you might be interested in maintaining and improving that score What happens when you have too much debt and not enough credit ? Say you have a 680 score but now you have maxed out your available credit, you can lose 30 points or moreSay you have a 780 score and now you have maxed out your available credit, you can lose 45 points or more Am I just talking about credit cards? No because the FICO scoring takes into account your individual accountsand cumulative balances even if they are in a negative status or collections. So what's the ideal ratio? Well yes of course start out with some of our tradelines and credit options, then begin paying down your debt. ? Why paying down the debt second? Another reason you might want to consider paying down your debt second, is that with the Obama Credit reduction act,now lenders are reducing the amounts of credit limits, when you start paying those debts down, then what happens?Your score drops. So if you are a person with larger amounts of debt in credit cards, then we recommend starting withgood credit first. If your intested in repairing your debt to credit ratio and becoming financial secure, please click on the link below for more information.To go directly to our tradelines click here: http://goo.gl/OLfivSIf you want a total makeover then click here:Are you ready to find out more : http://goo.gl/TAUPB9