Part 3: First Step, Upgrading Your Credit.

If you missed Part 2, click on the link below;

 

http://brokermakesyoubroker.blogspot.com/2015/03/part-2-creating-your-plan-outline.html

 

One of the most beautiful houses in Havre de Grace, MD.

The first objective that we have to think about at age 18 is maintaining good credit. Creditors know that but they must get to you so that they can get you hooked on spending before you figure out how the system works. Banks, credit card companies, and other loan institutions will do their best to get you, the customer to depend on their institutions. Most people can't resist taking  financial loans from these financial institutions.

You and your children are under financial attack.

They are financial "dope dealers" and you love to use the dope. You take the money or dope and you buy mostly junk with it. Some of you for some reason think you don't have to pay for it. Some think that it is an extension of your pay check and go out playing big spender, saying to your friends, "Look at me. I am rich. Drinks all around. Let's see what else I can buy to show my friends and get immediate satisfaction. "

Many claim that you need it because you have to buy food for you and your family. Some of you are as big as the "Good Year Blimp" so the food lie is a bad excuse.  But you claim that you have to buy more food now because without it, you will die. Yea, right! Some of you have to get a new car every two years and you have an excuse to do that. You can't live on your pay because you have more bills than you had before. Never do you say that you can cut down on spending to control your debt.  Now you are behind in paying your debt and your credit report is messed up. Some of you will say that you know your credit is messed up then laugh about it.

That means that no one trust you to get low credit loans. Some don't trust you with a loan at all. Some will give you a loan at 30% interest meaning that for every dollar they lend you, you may pay back $1.30 per year.

I have a credit score in all three credit agencies higher than 770. My oldest daughter has a credit score higher than 800. That is the one that has the house in part 2. I am not bragging. I am stating a fact for a reason. You will see the reason later in this series.

Take steps to fix your credit now!

But now to do what I am talking about, you must take some steps to improve your credit. No matter what people tell you, most if not all this money you will have to pay back to the creditor if you want to obtain a system of making money with "no money down."

You will also have to start paying your bills on time, not pay a week or two later. You are late paying when you are one day late. They mark you 30 days late when that happens.   

Once you get into the debt dead beat system, you will have problems because the credit system is design to protect businesses not consumers. We all have seen the people who act like this, so don't be shock because I have the "balls" to bring it up.

Now let's do something about your problem before I show you how to benefit from your credit!

http://www.thecreditsolutionprogram.com/ck-def-d-btn-v2-gpf?utm_source=google&utm_medium=ppc&utm_campaign=interests_text_desktop&creative=33789363318&device=c&devicemodel=&placement=www.beyond.com&keyword=&matchtype=&network=d&utm_content=text_man_cheats&utm_term=Vocational_and_Continuing_Education&gclid=CL7cuciZnsQCFSxp7Aodny8ADw

Getting Started Repairing you Credit Report.

The system that I am about to teach you will make most of you twice as wealthy than you are now but to do this, you must follow some rules.


Look at your Credit Report and see where you stand!

https://www.youtube.com/watch?v=HdMR2wYNmt4

40 Million Mistakes: Is your credit report accurate?  


www.Equifax.com
http://www.equifax.com/credit-report-history/
 Equifax Credit Information Services, Inc
P.O. Box 740256, Atlanta, Georgia 30374
Equifax Phone Numbers:
1-800-685-1111: Credit Report Inquiries
1-888-766-0008: Place Fraud Alert on Your Credit Report
1-866-493-9788: Credit Reports, Scores and Identity Theft Monitoring
1-888-202-4025: Business Solutions

www.Experian.com
http://www.experian.com/consumer.html
 P.O. Box 9554, Allen, Texas 75013
Experian Phone Numbers:
1-888-397-3742: Credit Report / Dispute Information / Fraud & Identity Theft
1-877-284-7942: Triple Advantage Credit Monitoring Membership
1-888-243-6951: Business Credit Services

www.TransUnion.com
http://www.transunion.com/personal-credit/credit-disputes/credit-reports-disclosures.page
 P.O. Box 6790, Fullerton, CA 92834
TransUnion Phone Numbers:
1-800-493-2392: Credit Monitoring Service Inquires
1-800-888-4213: Purchase a Credit Report or Get Free Annual Report
1-800-916-8800: Dispute Items on Credit Report and Status Checks
1-800-680-7289: Fraud Alerts and Identity Theft Information
1-866-922-2100: Business Services Assistance
Free Credit Score, Summary & Consultation – call (855) 617-1318


If you find an inaccuracy of an agency’s report then contact them using their telephone number, website or mailing address. Or if you feel the Credit Reporting Agency missed important contact information, please let them know. They will make the appropriate updates as soon as possible.

If the product you bought is paid for, send a letter with proof of payment or information saying that the bill is charged to the wrong person to all three Credit Bureaus. Send a copy to all three credit reporting agencies, disputing the charges against you in the letter. Make sure you dispute the claim also send a letter to your state attorney general.

Get as much negative information off the report as you can before going on to the next step. Keep in mind, banks and other agencies use this report, good or bad to give you the lowest cost loans possible.

  https://www.youtube.com/watch?v=I3noWTD0t20
Credit Repair Exposed - What the bureaus are hiding

https://www.youtube.com/watch?v=FHUPMHT0Vhw
10 Mistakes to avoid when fixing your credit.

https://www.youtube.com/watch?v=78YKbZXun_Y
Increase Your Credit Score 100 Points  

Questions about you credit

1. How many credit accounting agencies should you write to for disputing a payment?

2. The better your credit report, the less you will pay for credit? (True or False)

3. You should check your credit score at least every year. (True or False)

4. Nothing will happen to you whenever you do not pay your bills on time. (True or False)

5. As long as you pay your bills on time, you credit report will not be affected. (True or False)

Answers to these questions

1. 3

2. True

3.  True

4. False, you will not get the lowest cost of credit.

5. False -- If you pay on time, over time, your credit rating will go up.



*********************************************************************

If you want a study Guide, get my book!

-
 

My Book; Building Wealth with Corporate Bonds

 

I told you many times about my last book published in 2003 called, "Building Wealth with Corporate Bonds." The price is $35.00. I am selling off my final copies of this book. After that, I do not plan to produce anymore.  Some of the topics enclosed are:

 

• Creating a Risk Policy

• Bull and Bear Markets

• What are Stocks and Bonds

• Corporate Bond Strategy

• Buying Corporate Bonds on Margin

• How to Place orders

 

 

You can buy a copy of my book by sending a donation of $35.00 money order to: Darnell L Williams

Building Wealth with Corporate Bonds

I/O Darnell L Williams

200 A Seneca Way

Havre de Grace, MD.  21078

 

I only have a limited amount of copies so order yours today. When they are gone, they are gone.