How I Improved My Credit Score 224 Points! Watch This Video to Learn How You Can Improve Your Score Too!
Dear Perfect Credit Seeker,
I’ve been writing this letter to you for almost 2 years…
….that’s how long I’ve been putting this system together – The Credit Enhancement System (CES)
Well, the perfect time has now arrived! At MyMoneyEDU, it is our commitment and goal to help 100,000 people get the FUNDAMENTAL FOUNDATION to significantly improve their credit so they can start building wealth. We knew the first step was to create a place where anyone who had the desire to improve their credit and finances could join us, improve their credit and start building wealth for their family.
What I want to do now is go over some questions you might be wondering. Let’s figure out together if this system is right for you or not….[/text_block]
Question # 1
Why listen to me when it comes to fixing your credit?
Also,
There are a hundreds of companies and people other than myself that claim to be credit repair experts. Some of my credit repair accomplishments include:
>> Improved my personal credit score 224 points
>> I’ve Invested over $5,000 in credit repair systems, templates and information
>> I’ve helped over 7,136 people start the journey of improving their credit
>> My system has helped remove over 25,344 negative items from my customers credit reports
>> My system has helped people raise their score over 475,372 points and counting
>> Projected to help my customers remove over 40,000 negative items and raise their scores 750,000 points in 2018 alone.
Using the legal loopholes the credit agencies don’t want you to know about is the most efficient and effective way to remove negative items off your credit that’s holding your score down.
I’ve seen it over and and over again…
We have been able to successfully help hundreds of people improve their credit themselves while simultaneously helping them begin to start building wealth.
All thanks to my step-by-step system![/text_block]
Question # 2
Do I need to be an expert on credit in order for this system to work for me?
With this system we are able to take a person with virtually no financial background and zero understanding of how the credit score algorithm works and then show how to get a 720 plus credit score.
In fact, most of the people we help with this system are those who have no financial background and are literally starting with bad credit.
Many of our customers don’t even know how their credit score is even calculated…
If you are one of these people don’t worry. We are going to show you step-by-step exactly how to raise your score to over 700 points and maintain perfect credit for the rest of your life.
We also have many students who have already started improving their credit who just want to know how to raise their score faster so they can get approved for a new credit line or loan.
All of this can be achieved with this powerful system.
With the credit enhancement system we leave no rock unturned! [/text_block]
Questions # 3
Should I do this if I’ve already started working with a credit repair company or service?
And I always answer the same way – You’re the one that messed up your credit, so you should be the one to fix it.
No credit repair company to improve your credit without you being involved in some form or fashion. Even the companies that claim to do it for you still need to mail your dispute letters and have you sign them and send them back! So why not just save money by following a proven system and do it yourself? It makes total sense after we break it down.
Not to mention you’ll have the skills and knowledge to have perfect credit for the rest of your life! How awesome is that![/text_block]
Question # 4
How much will my score improve, and how quickly will this work?
Your credit score is three digit number which represents how good you are at returning “lunch money” a.k.a. paying back and managing loans. Officially, it’s a statistical metric to determine your likelihood of default within a 90 day period. Said another way, it’s a representation of your financial behavior.
The good news is my system teaches you how to remove all the negative items from your past, while at the same time, teaching you how to start building new credit history.
The most popular and used credit score algorithm is by FICO. Here is a breakdown
Now, the FICO score calculation has a credit scale ranging from 300-850. Here is a breakdown of how your FICO score is determined.
– 35% of your score is paying on time
– 30% of your score is total utilization or amounts owed
– 15% of your score is how long you’ve had credit
– 10% of your score is the type of credit you have
– 10% of your score is new credit or inquiries
Now, let’s look at this broken down into credit score points.
– 192.50 points of your score is paying on time
– 165 points of your score is total utilization or amounts owed
– 82.50 points of your score is how long you had credit
– 55 points of your score is the type of credit you have
– 55 points of your score is new credit or inquiries
When you break it down from percentages to points, you can easily see how obtaining a great credit score is possible.
This system is dedicated to show you how to maximize your points in each category, while teaching you step-by-step how to improve your financial behavior for greater long-term success! [/text_block]
Questions # 5
What will I receive once I invest in the Credit Enhancement System?
The tactics and strategies you’ll discover in The Credit Enhancement System can be implemented immediately – as in today when you invest!
The system is broken up into 5 steps, and has multiple action plans for any area that may be negatively affecting your score. [/text_block]
Step One
In this step, I’m going to break down the basics the credit algorithm is calculated, how to access your credit reports and scores for free, and what to do if you’ve already started repairing your credit with no success in the past.
I’ve helped thousands of people improve their credit to buy homes, cars and start businesses, and I can tell you with confidence that the moment I taught them the basics, they started making progress.
Step Two
In this step, I show you how to audit your credit report. Also, I walk you through how to access your account numbers, both delinquent and current, before we begin the disputing process. We need to make sure the following 5 areas are accurate and up to date.
- Personal Information: Name, date of birth, current address, etc.
- Account Summary: Total balances, types of accounts, inquires and negative items
- Public Records: Things such as bankruptcies, judgments, tax liens, civil suits, etc.
- Account Details: This section goes into each account that makes up your score. Items stay on your credit report for 7 years plus 180 days of the last activity date. Just because you’ve paid something off doesn’t mean it will be removed.
- Requests for credit and past inquiries: This basically has to do with who’s viewed your credit in the last two years. We cover the difference between soft and hard inquires and how to get them removed.
Step Three
This is a very important part of the credit repair process. Also, all credit repair companies that claim to fix your credit are not the reason why negative items get removed from your credit.
It’s important to know exactly what you should be disputing and why, as opposed to randomly sending dispute letters hoping they will work. That’s a big mistake! Items can be successfully removed from your credit when there is a violation of the Fair Credit Report Act.
Many people are clueless of their rights and how to use the current Fair Credit Report Act in their favor to get negative items removed. The system shows you how to do this and how to complete each dispute letter.
Step Four
Building new credit is just as important as getting the negative items removed from your credit. FICO (Credit) scores will consider your mix of credit cards, retail accounts, installment loans, finance company accounts and mortgage loans.
However, it’s not necessary to have one of each, and it’s not a good idea to open up credit accounts you don’t intend to use. Like I’ve said above, your credit score is broken up into 5 main areas.
Sixty five percent of your overall score comes from credit utilization (30%) and payment history (35%). In this step, I break down exactly when, where and how to apply for new credit without being declined.
Step 5
At this point in the process you will be well on your way to having excellent credit. The goal is to show you how to maintain perfect credit for the rest of your life.
Now there are two main types of credit you can have. Revolving credit and installment credit.
Revolving credit: is when a lender extends credit to you that remains the same amount month after month. Credit cards are the most common types of revolving credit. Once you’re approved for a credit line you no longer have to apply for it again.
Installment Credit: is a loan or a fixed amount of credit that is repaid back to the lender in regular installment or monthly payments. Normally each payment includes interest and a portion of principle. Examples of this would be student loans, auto loans, personal loans and mortgage loans.
This step is designed to show you how to start building wealth while maintaining excellent credit using the two most common forms of credit.
These Credit Enhancement Resources Are Waiting For You Right Now…
Normally these guides would sell for $97 each (or $1,552 in total) but I want you to have them as my gift, 100% RISK FREE when you sign up for The Credit Enhancement System for just $97…
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Here’s a quick look at the additional credit resources you’ll have immediate access to (remember, as a member you’ll also get access to live office hours, expert money classes, coaching support and accountability)
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The Powerful Bonuses Are Included
