The Credit CPR

Credit Over Debit

5 main reasons to favor credit over debit:

-Builds credit profile

-Purchase protection

-Chargeback ability

-Points and rewards

-Pay over time

Example for Points & Bonuses:

• $500 groceries: 1.5X

• $150 gas: 1.5X

• $50 gym: 1.5X

• $250 Car & health insurance: 1.5X

• $200 Utilities: 1.5X

• $200 Clothes: 1.5X

• $350 Travel: 3X

• $300 Eating Out: 3X

= $2,000

= 4,125 Chase reward point per month

= 49,500 Chase reward points per year

= 74,250 Chase reward points per year when redeemed through travel!

** Valued at $742.50! **

How to get 6 figure cars with no money down

- Apply for auto loan with a big bank like Chase or BOA (or woodside or any other good auto lender)

- Find a car you want and have the bank finance as much as possible

-Apply to Lightstream Auto for the remainder needed. Lightstream will deposit the money right into your account, no title needed.

Bank finance + Lightstream deposit = No money down

Apple just launched a bank savings account paying 4.15% interest

Apple Card Hack - Get The Apple Credit Card Without An Inquiry Or FR

Go to your wallet, click on apply for Apple Card.

They will ask you some basic info including the last 4 of your ssn.

Once you accept the terms, if you’re approved, it will display your limit.

If you’re denied then it’s fine because this version of the application is a soft pull on your credit.

After you see the limit approval, quickly go to Transunion and freeze your credit. Once frozen, go back to the approval screen and accept the Apple Card offer.

Boom hard inquiry skipped.

Do not apply for this multiple times because it will drop the limit by $500 each time you apply. Only do this once.

If you don’t have iPhone or apple products - Go to the Apple website, Load up your Cart with at least $1500 worth of items, act like you’re checking out, then hit apply for Apple credit card.

This will lead you to follow the rest of the original steps on freezing your report

Enjoy. Post your results in the comments

Another client took action and followed the game plan.

Hard Inquiry MYTHS

1. They affect you for 2 years… Most people think/ are taught this. FALSE - they stay on the report for 2 years but only affect you for 6 months in most cases

2. Nothing you can do about hard inquiries once made… FALSE - if you got a hard inquiry and it DID NOT result in a credit line - dispute it directly with the CFPB

NOTE: If you remove a hard inquiry that resulted in a credit line, that credit line could be closed, unless done before the line reports


NOTE: You can remove inquiries for items that do not report to your personal report

Hard inquiries only make up for about 10% of your credit score

Hard Inquiry MYTHS

1. They affect you for 2 years… Most people think/ are taught this. FALSE - they stay on the report for 2 years but only affect you for 6 months in most cases

2. Nothing you can do about hard inquiries once made… FALSE - if you got a hard inquiry and it DID NOT result in a credit line - dispute it directly with the CFPB

NOTE: If you remove a hard inquiry that resulted in a credit line, that credit line could be closed, unless done before the line reports


NOTE: You can remove inquiries for items that do not report to your personal report

Hard inquiries only make up for about 10% of your credit score

Inquiry Removal: How To

Method 1:

3 bureau 24 hour express inquiry deletion

Call each bureau

Experian: 1-855-414-6048 - enter your social then press 2, then 1, then 2, then 3 - ask to speak to fraud department

Equifax: 1-888-548-7878

Transunion: 1-800-916-8800 press 0 to speak to a rep and then ask to be transferred to the fraud department

(These numbers change periodically)

1. Say that you noticed unauthorized inquiries on your report or that you noticed that someone applied for something in your name.

2. Make them aware that according to the FCRA (Fair Credit Reporting Act), legally these unverified and unauthorized items MUST be removed

3. List all the accounts that are not attached to your open or closed accounts

4. If they as you about submitting a FTC/Police report of these accounts, say you have already done this

5. If they asks if you have contacted the original creditors, say that you have done this already

6. They may place you on hold - DO NOT PANIC - when they come back they should say they will investigate and it could take up to 30 days to complete the investigation. However, the following business day all of the inquiries you asked to be deleted - should be deleted. Equifax may take longer, but max 48 hours

7. Just like everything, this may take a few calls if the first is not successful.

Removing inquiries for OPEN accounts is possible with this method because they can be removed before the actual account is reported to Experian, which generally takes 15-45 days and your dispute only 24-72 hours - so the agent will not see an account tied to the inquiry upon review if dispute is done within days of the inquiry. (Generally more risk than it’s worth though)

Method 2:

72 hour inquiry removal method

This method can be used to remove unauthorized inquiries that are fraudulent on Experian - however it may work for the other bureaus as well

Experian dispute: 855-414-6048

1. Identify inquiries that did not result in open credit accounts because removing inquiries on open credit accounts may result in account closure

2. Call Experian dispute center number and connect to a rep in the fraud department. Let them know that you suspect your information is being used to obtain credit and you need help adding a security freeze and fraud alert to your report (save the PIN you are provided with after the alert is set) Make sure you remove these before applying for anything else

3. The agent will now ask you to review your report and identify the unauthorized inquiries. You will now list every inquiry you want to remove. If you tell the agent you applied for credit and the creditor pulled your report - this will not work. Once inquiries are identified, they will be removed in 24-72 hours.

4. Just like everything, this may take a few calls if the first is not successful.

Removing inquiries for OPEN accounts is possible with this method because they can be removed before the actual account is reported to Experian, which generally takes 15-45 days and your dispute only 24-72 hours - so the agent will not see an account tied to the inquiry upon review if dispute is done within days of the inquiry. (Generally more risk than it’s worth)

Method 3: Hire a professional credit repair agency to remove them (like us)

**Inquiries associated with accounts not reporting to personal report can be removed

What Is a Credit Report and How Does It Affect Your Credit Score?

A credit report is a detailed record of your credit history. It can include information such as your payment history, balances, and available credit. Your credit report is used to calculate your credit score, which is a three-digit number that lenders use to determine your creditworthiness.

Your credit report can have a major impact on your credit score. It’s important to review your credit report regularly to make sure all of the information is accurate. You should also look for any signs of fraudulent activity, such as accounts you don’t recognize.

If you find any errors or incorrect information on your credit report, you should dispute it with the credit bureau and have it removed. This can help improve your credit score and help you get access to better loans and rates.

give me hashtags

Understanding Credit Card Interest

Understanding credit card interest rates is important if you have credit cards or are thinking of getting one. Credit card interest rates are determined by a variety of factors, including your credit score, the type of card you have, and the terms of the card. Here are some tips for understanding credit card interest rates:

1. Know what type of interest rate you are getting. Credit card interest rates can be fixed or variable. A fixed rate is set for the entire period of the loan and does not change, while a variable rate can fluctuate over the life of the loan.

2. Understand how your credit score affects your interest rate. Your credit score is a major factor in determining your credit card interest rate. The higher your score, the lower your interest rate will be.

3. Know the terms of your credit card. Different credit cards have different terms, such as annual fees or rewards programs, that can affect your interest rate.

4. Compare credit card rates. Shop around to find the best credit card interest rate for your needs.

5. Pay off your balance. Paying off your balance in full each month can help you avoid interest charges.

How to Establish Good Credit

Establishing good credit is an important part of financial health. Good credit can help you get loans and mortgages, lower interest rates, and even get better insurance rates. Here are seven tips to help you establish good credit:

1. Make sure to pay your bills on time. Late payments can have a major impact on your credit score, so be sure to pay all your bills on time.

2. Don’t max out your credit cards. Try to keep your credit card balances below 30% of your available credit limit.

3. Consider getting a secured credit card. A secured credit card requires a security deposit, but can help you establish a good credit history.

4. Monitor your credit report. Check your credit score regularly to make sure there are no mistakes or fraudulent activities that could be impacting your score.

5. Don’t open too many accounts. Opening too many accounts in a short period of time can negatively affect your credit score.

6. Don’t close unnecessary accounts. Keeping accounts open and in good standing can help improve your credit score.

7. Use credit responsibly. Make sure to use credit responsibly by paying off your debts and not overextending yourself

Five Tips for Improving Your Credit Score

1. Pay your bills on time. One of the most important aspects of having a good credit score is consistently paying your bills on time. Late payments can hurt your credit score, so set up automatic payments or reminders to help stay on top of your payments.

2. Monitor your credit report. Be sure to check your credit report regularly to make sure there are no mistakes or fraudulent activities that could be impacting your score.

3. Reduce your credit card balances. Paying down credit card debt can help improve your credit score. Try to keep your credit card balances below 30% of your available credit limit.

4. Don’t open too many accounts. Opening too many accounts in a short period of time can negatively affect your credit score. Only open accounts when absolutely necessary.

5. Don’t close unnecessary accounts. Keeping accounts open and in good standing can help improve your credit score. If you don’t need an account, consider leaving it open and not using it.

https://topclassactions.com/lawsuit-settlements/privacy/experian-incorrect-residential-information-22m-class-action-settlement/?fbclid=IwAR2VjfJi-cvdD2N2mQLG2E6QSfEQ__OlDjyoyj5rPSDGCvB9UhJXc2l17Bk&mibextid=Zxz2cZ

Experian incorrect residential information $22M class action settlement Experian agreed to pay $22.45 million as part of a settlement to resolve claims it incorrectly reported residential information as high risk.

10 Steps to becoming a homeowner!!! Be Prepared‼️

Step 1: Check Your Credit Score A 580 Credit Score is needed to start for FHA, A 620-640 Credit Score and above for VA, USDA Rural development and Conventional (2 year job history)‼️
Step 2: Determine How Much You Can Afford and make sure you have enough down payment and closing cost saved‼️
Step 3: Choose A Lender And Get Preapproved For A Mortgage
Step 4: Find A Real Estate Agent
Step 5: Start The Home Search Process
Step 6: Make An Offer
Step 7: Get A Home Inspection And Home Appraisal
Step 8: Purchase Homeowners Insurance
Step 9: Do A Final Walkthrough
Step 10: Close On Your New Home

📣STUDENT LOAN FORGIVENESS APPLICATION IS NOW LIVE‼️

💎Forgiveness is up to $20,000.
💎All applications due by Dec 31st.
💎Approvals can take up to 4 weeks.

GO APPLY NOW‼️
Link below⤵️

https://studentaid.gov/debt-relief/application

$7.5 BILLION in Student Loans for over 200k Borrowers will be canceled! Check to see if your school is on the list. A lot of the debt is being cancelled due to fraud

Fill out the online application here: https://studentaid.gov/borrower-defense

Here is the link to the settlement and school lists:https://static.politico.com/44/1c/f367921d4769a66f0e6de5796b14/n.D.Cal._3_19-cv-03674-WHA_246_1.pdf

Click on link to read details ⬇️

static.politico.com

Another client getting results. For your credit repair contact us today!

Don’t be that person

🗣🗣🗣 CREDIT MAY BE PULLED IF INCOME REQUIREMENTS ARE NOT MET!!!

‼️‼️🆓 game 🗣 Here is a list of active lenders for the USDA Single Family Housing Program , the loans are guaranteed ‼️ ‼️MOST ARE NO CREDIT CHECK ‼️ let’s get these houses 🗣
https://www.rd.usda.gov/sites/default/files/RDGRH-AllStatesList.pdf

www.rd.usda.gov

When you are dealing with creditors over the phone, always record the call.
They do & they tell you that they are at the beginning of the call, so, as a clause in the Patriot Act, when 1 party tells the 2nd party that they are recording the call, 2nd party is under NO legal obligation to tell them they are also recording the call.

Creditors lie, ALL THE TIME

When they lie, they are in violation of the Fair Debt Collections Practices Act. The result is that they owe you $1,000 for EVERY violation.
IT'S NOT A FINE!!! THEY OWE YOU, PERSONALLY, THAT MONEY!!

It's a FEDERAL LAW stop letting people play in your face 💎

https://voyagesanantonio.com/interview/conversations-with-brotalk-brotalk/

Conversations with BroTalk - Voyage Sanantonio Magazine Today we’d like to introduce you to BroTalk BroTalk. Hello BroTalk, please kick things off for us with an introduction to yourself and your story. Jarmarcus – Well one word would sum this up and that would be God but BroTalk started when I was moved here on orders with US Navy. See 2019 was […...

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