Listen! When it comes to your credit, there are certain credit repair secrets everyone must know. There are millions of people that are in debt and have horrible credit. Bad credit is keeping people from getting jobs, homes, cars, credit cards & starting businesses. Student loans are the biggest culprit. 70% of people have bad credit due to student loan debt. There are credit repair secrets everyone must know that you can use to help you possibly (very strong possible) rid yourself of student loan debt and other debts off your credit report and having to pay the debt at all.
In this blog post you're going to be absolutely blown away. You'll be able to answer that question, “how can I fix my credit myself?”
Credit Repair Secrets Everyone Must Know
Credit repair is a simple, yet tedious process. It's tedious because Credit Reporting agencies aren't very friendly to the customers they are supposed to be helping and working for. Luckily one of the credit repair secrets everyone must know is that there are laws under the Fair Credit Reporting Act that work in the favor of the customer.
Healing your credit is not hard. It's actually pretty easy and you don't need anyone else to help you do it. This book is going to teach you how to do it yourself. It's going to give you your power back and give you back your life.
Many times without a good credit score you can't get a nice apartment, you can't get utilities turned on, you can't get a phone, you can't get cable or internet, you can't get a good rate on a car loan or house loan, you can't get a good credit card that gives you rewards back on purchases, so it's a very important financial tool that can work for you or hurt you. I want your FICO score to help you from now on.
Secret #1 – How Information I Reported on Your Credit Report
You should understand that this type of reporting is all electronic. There is no paperwork, it's all digital. There is never a verification of any signed documents or contracts or anything. Every month, without fail, banks and credit card companies send electronic files with details of your account to the CRA's. The Credit Reporting Agencies or bureaus place this information into your credit report without VERIFICATION. No one is checking if this account is really yours. No one is checking if the information is CORRECT. No one is checking on the banks or creditors to make sure that they are doing the right thing.
Equifax, Experian and TransUnion believe the banks and credit card companies are reporting properly. This could be true, but without verification no one is really sure. The U.S. Government realized this was a problem and so came about THE FAIR CREDIT REPORTING ACT (FCRA). The FCRA is the law for CRA's. This law
is going to protect your rights as a citizen of the United States of America.
The FCRA states the bureaus must verify all information that they get from banks, credit card companies, etc before it's put into your credit report. What the CRA's must have is the ORIGINAL SIGNED DOCUMENT from when you opened your credit card or got your loan. But since all that paperwork for millions of accounts would be impossible to verify, not to mention how expensive it would be to do so, no one is verifying accounts in this manner. No verification of original signed contract document ever happens between CRA's and creditors.
If you ask to VERIFY the information the bureaus will send an electronic communication to the creditor asking if the information is correct and the creditor will most likely say “Yes.” But no one is looking at ORIGINAL SIGNED CONTRACTS.
No one knows this takes places (except for those in the know and you are now in the know). The CRA's are in violation of the FCRA but since people don't know their rights the Credit Reporting Agencies don't do anything about this.
But now armed with this new information YOU will be able to help yourself.
Many of the adverse items on a credit report may in fact be true. So, if you were to dispute the adverse items with a traditional dispute process most of those accounts will be “verified” and will stay on your credit report thus in turn keeping your FICO score down.
That is NOT what you are going to do. And never dispute your credit reports online.
SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letter disputes the CRA's right to REPORT the adverse account – NOT whether or not the adverse account is valid.
These letters will request, under SECTION 609 of the Fair Credit Reporting Act, that the CRA's send you a copy of the original contract that you signed – that they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so. BUT THEY DON'T.
And since they don't they can't provide you a copy nor can they legally verify the account. Under the Fair Credit Reporting Act they must provide you a copy if you request it. Since they will not be able to provide you such a document the account will be UNVERIFIED and under Federal Law any UNVERIFIED accounts must be deleted.
Secret #2 – How To Possibly Deleted & Not Have To Pay Those Damn Student Loans
Of all the credit repair secrets everyone must know, this is by far the most important. Pay attention here!
Essentially, we have to understand right now, when you look at your student loan debt, this debt that you owe is all basically a big pile of shit. I’m using strong language because it is what it is, total and utter bullshit. It is a scam, a ponzi scheme of the most sickest minds and by design to implode on itself and create what is happening right now. For instance, for an even deeper and sicker purpose, but I don’t want to get into that right now, I want to focus on how this applies to you right now. So, I’ll tell you a quick story on how the banking system or the banking ponzi scam really works.
When you apply for a student loan or a credit card for example, you are not the debtor, you are the creator of the debt. I know, it’s a little bit of a mind bend, and before I go on, let me just tell you, I’m just explaining to you in a very basic way in this short message to you and you probably might not get it, if this is the first time you are exposed to this kind of material. The material I’m going to show you about how to eliminate your student loan debt LEGALLY, I recently did this to free some of my family members of their student loan debt and it was extremely liberating. It allowed us to start thriving during this time and using our resources to prepare instead of pouring it into a black hole designed to fail and turn you into an economic slave.
When going through the process of eliminating your student loan debt (you will have access to the training and letters). It is important to note that what you are doing here is your asking for the original instrument of indebtness. If a financial institution cannot provide you with this original instrument of indebtness, then you do not owe this debt. Whoever owns the original instrument of indebtness owns the debt. As I said earlier, once you put your signature on that piece of paper, the financial institution will then sell that debt on the securities market so they NO LONGER have the original instrument of indebtness and therefore YOU NO LONGER OWE THEM ANY MONEY. This is exactly what Walter Keen explained in court and was able to have several homeowners in Utah have full title of their property during the mortgage crisis.
Secret #3 – Debt Letters To Send
This is the secret weapon to the credit repair secrets everyone must know. When the CRA's get these letter from you, they know you mean business.
You are going to gain ACCESS to an arsenal of letters and ebooks to equip you in cleaning up your credit. As you have seen, there are credit reporting laws to protect you againost your creditors and the CRA's. You just don't know what those credit reporting laws are. You will be equipped with 4 rounds of letters you can send to the CRA's demanding to see originally signed contracts they have on file. If they can't produce the letters, they must remove or delete it. You will even have access to training on how to sue and win if you have to take it that far.
These letters can also help you rid yourself of your student loans. Not all student loans, but some.
Secret #4 – You Don't Have To Pay The Collection Agencies
Collection agencies are a pile of shit as well. Watch this video by my mentor Brandon Weaver
These credit repair secrets everyone must know are going to save many lives including your. Take advantage of this information and put to use the dispute letter and information to help repair your credit
Go here to get access to my Process 609 Repair Your Credit Yourself. Download my dispute letters & direct creditor letters for only…
Marlon Hurd – The Valuenaire
P.S. Does Your Credit Need Some Lovin'? Need A Few Things Deleted – This Course Is For You! – CLICK HERE
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