Top Credit Repair Companies – What You Should Know

Top Credit Repair Companies – What You Should Know

So you ask yourself who are the Top
Credit Repair Companies
Hi everybody welcome to the webinar
we're about to begin shortly but I just
wanted to jumping on here a little bit earlier
and just let you know what we're
discussing today and I've had jacked up
credit before I know what that feels
like not to say that you do but if
you're in a situation where you don't
have a 750 or higher and you're not
utilizing all the leverage you can
possibly use I'm basically I work with
hundreds of people hundreds of clients
and at the end of the day when I'm
finished they say oh my goodness
THANK YOU so much for that information I didn't know
that that's how Lexington Law worked or how
Sky-Blue worked I didn't know this is how
the credit bureaus work I didn't even
know my rights
I didn't even know how to begin to fix my credit
i'm so glad that I met you
thank you so very much so what I want to
do today on this webinar is give all
that information in so that I can
educate you on the credit score system and give you a
trusted way to boost your credit score
on a long way from other financial
benefit and we all need to take care of
as adults we have to be adults we have
to figure this out
I mean none of us ever took the class
are the courts on credit that wasn't
offered no one ever took the course and
TransUnion Equifax Experian and to learn
these things we've kind of thrown out
here in life as a dog and forced to try
to figure it out on our own and then
some of us we still don't know we still
don't have a clue a lot of people think
they know and then they don't know
there's so much information bad and
wrong information floating around the
internet
I'm about scores and what you should and
should not do people are getting scammed
everyday by pretending debt collection
companies and actually get collection
company and so I want to put a stop to
that if it's something that you feel
like you're tired or living this way you
were tired of worrying about it you
whether your marriage or single and you
know you just been sleeping your credit
under the rug and this is something that
you really need to set i can figure out
a good look at and listen to and care
about your future and care about your
legacy
i'm at the end of the game we all have a
credit score
nothing we can do about that but i want
to show you a different way and so to go
ahead i have a a short video with 60
minutes and baby bedding episode on 40
million mistakes on credit reports so
while we wait for the room to philip i
want to go ahead and put the gone and go
ahead and grab a pen and paper to put
down any of your questions you may have
so let's go ahead and get started with
this video and outside the webinar after
the room kind of felt up a little bit
want to give people a little bit of time
to get in because we're all kind of busy
so one second let me start the video
here
not we live in an age where much of what
goes on in our daily lives is monitored
collected and sold interested parties
for driving records are medical history
our internet traffic and most
importantly our credit information a
mistake on your credit report could cost
you money it can increase the interest
you pay on your loans prevent you from
getting a mortgage or buying a car
landing a job or getting a security
clearance
it's not uncommon a new government study
to be released tomorrow indicates as
many as 40 million Americans have a
mistake on our credit report 20 million
have significant mistakes and our own
investigation of the credit reporting
industry shows that those mistakes can
be nearly impossible to get removed from
your record the story will continue in a
moment
consumer credit reporting is a four
billion dollar-a-year industry dominated
by three large companies experience
TransUnion and Equifax they keep files
on 200 million Americans in traffic in
our financial reputations they make
their money gathering information from
people we do business with in selling at
the bank's merchants insurance companies
and employers and they use it to make
judgments about our credit worthiness
and reliability but now the reliability
of the industry is being questioned in
an eight-year Federal Trade Commission
study to be released tomorrow john
lebowitz is the chairman
here's what we found some pretty
troubling information
one out of five Americans has an error
on their credit report and one out of
ten has narrowed their credit report
that might lower their credit score i'm
trying to think of another industry
where at twenty percent error rate would
be acceptable
that's a pretty high error rate it's a
pretty high error rate I think the more
we look at this and more the American
people know about this
the matter they're going to get Ohio
Attorney General Mike DeWine has opened
his own investigation into the credit
reporting industry which for years is
blame mistakes on banks and merchants
that provide them with bad information
but the one argues the fault lies with
the industry for what he says are clear
violations of the Fair Credit Reporting
Act to these companies have a legal
responsibility to make sure that the
information is accurate that the federal
law says that if you believe that there
is a mistake you can go to them and they
have an obligation to do a reasonable
investigation they're not doing a
reasonable investigation they're not
doing investigation at all
everyday deWine's office fields calls
from Desperate constituents who can't
get the credit reporting agencies to
answer their questions or correct
mistakes on the report like paid bills
listed as delinquent closed accounts
listed is open in bad debts that belong
to other people with similar names for
Social Security numbers that the problem
is not that they make mistakes if they
won't fix the mistakes
it literally is like this you know guy
behind the curtain the wizard advise you
really don't know what he's doing it
really is a secret operation that is so
hard to crack eight million people a
year file disputes about their credit
report which usually requires a visit to
the experience transunion or equifax
websites they're primarily designed to
sell you premium products not resolve a
dispute which is what i was trying to do
there's a toll-free number you can call
which is likely to connect you to
someone on a faraway cotton thank you
for calling sinus cavity on the health
care where you located
india and yet regardless of where they
are who you talk to
they won't be much help so really you
can't do anything for me I've just been
talking for 15 minutes
I mean the only thing you can do is
determine to fill out online just better
crop okay thank you
besides the toll-free number they also
give you a post office box address where
you can send a letter and documents
supporting your claim in each case it's
extremely unlikely that anyone with the
authority to resolve your dispute will
ever actually see it asked Sandra Cortez
the California accountant who's credit
report confused with an international
drug trafficker it took her five years
to get it fixed
or David Smith the retired Army officer
whose credit report listed a bankruptcy
that wasn't his intruder to foreclosure
proceeding against his house in South
Carolina he still dealing with the
fallout 4 to be Thomas a trauma nurse
with a horror story worthy of Hitchcock
ER Kafka there's nobody to go to there's
nobody you just keep making phone calls
and you just keep writing disputes and
you keep sending them your social
security and learn failed hair
Thomas who manages to medical centers
near Cleveland says it all began in
nineteen ninety nine when she went
shopping for a new dress and applied for
a store credit card to get a 15-percent
discount she was denied
was that the first time you've ever been
denied Christmas very first time ever
ever ever but certainly not the last it
became a regular occurrence the personal
credit report she got from experience
TransUnion and Equifax were all clean
and without blemish yet she kept getting
rejected and couldn't find out why I
would get a consumer report and it would
look fine i would go to the bank and
they would tell me oh no you have all
this that but no one would tell me what
was on there they wouldn't tell you what
the devil was and they wouldn't give you
a copy of the report that they had you
know it to QD Thomas several years to
discover what almost no one knows that
the credit reports the agency sent to
you are different than the ones they
sell to banks merchants and mortgage
brokers and she only found that out with
a loan officer left her file on his desk
and walk out of the roof in which you
see I started that from you Cal medical
center i saw debt from a veterinarian
clinic and utah i saw collections for a
Judith candle Judith kindle not julie
thomas correct
what's going to your moment to help you
doing on my credit report the hell has
heard that doing on my credit with you
think this would be very simple to get
straightened out he would think yeah you
would think this is my beauty Thomas
vs Judas candle file instead became a
six-year battle with credit agencies
requiring box loads of correspondence to
try and prove that she was Judy Thomas
not Judas candle all to no avail
he said a lot of time invested in this
how important these documents my life
there are logs of daily phone calls to
dispute centers hundreds of letters to
experian equifax and transunion even
correspondence from judith Kindles
creditors in utah acknowledging that the
debts on your credit report aren't hurt
i would get letters that from these
companies saying this in fact is not you
you still couldn't get it off to credit
report
no I sent copies to the credit bureaus
and then they would come back as mine
verified verified also hired a local
attorney to try and straighten it out we
had everything certified on that this is
Judy comments this is where i live I've
never gone by the name of Kendall I've
never even been to Utah let alone owing
a cable company in utah and what
happened nothing nothing nothing
what kind of problems have disclosed for
you I couldn't I couldn't I couldn't
refinance I couldn't take advantage of
the interest rate I couldn't get in you
I couldn't get a car
I couldn't I couldn't cosign for might
like children student loan and I work
hard for my credit is and these people
are taking it away from me
finally Judy Thomas took the only
recourse available to her she sued
equifax and transunion in federal court
and after a year-long battle the credit
reporting agency settle for an
undisclosed sum in promise to clean up
45 did you think it was going to take a
federal lawsuit back now it takes that
it just takes a human being going wow
this isn't Judith kinda let me fix us
all they had to do but as we discovered
that almost never happens if you
challenge a credit report and mail your
information to a post office box in the
United States
the dispute will likely be investigated
in india for the Philippines or South
America we traveled 5,000 miles to the
Chilean capital of Santiago where we
track down three former experienced
employees carolina herrera Rodolfo
carrasco and enzo valdivia were all
dispute agents and experienced National
Consumer Assistance Center although they
say they weren't able to offer consumers
much assistance so if somebody had a
problem with her with their credit
report they would send the complaint in
it would end up with you
yeah oh yeah so how many of these did
you have to do a day 99 tonight
yeah did you consider yourself
investigators on houses did you have any
way to investigate these claims no yeah
you can call the first son you can't
pick up the phone and call not Jeff oh
no no did you email me know that you
have the authority to say wait a minute
after looking at somebody's file and say
that you know this is a somebody made a
mistake this person doesn't know this
money
no we didn't have the power all they did
was read the disputes and reduce them to
a two-digit code like never late or not
mine
it was then sent with the two or three
lines summary and no documentation back
to the bank or department store that
furnish the original information if
there was a difference of opinion
between the creditor and the person who
was filing the complaint
how was it usually resolved in the in
favor of the creditor yeah the crater
was always are always right
mostly we took for granted the word of
the bank if the been said a nice guy own
kind of dollars so it is not about to
ever interviewed anybody in NT lai from
experience and we've got a federal court
ordering them to to bring these people
forward and filling much of what's known
about the inner workings of the consumer
credit agencies come out of lawsuits
filed by Len benetton still be a
goldsmith who have subpoenaed company
records and deposed employees and
executives they sitting under the
current system there is no way for
people like duty Thomas to get their
problem solve all these people who take
the time
to meticulously documented case that the
bill isn't theirs or the bill has been
paid that is never seen by anybody
it's not seen by anyone who considers it
in determining whether or not
information will be removed from a
credit report it's not forwarded on to
the person who has the complaint with
you know it's never for Don never
forwarded on to the creditor we can get
a jury verdict for a million dollars
that's campaign and some of these
bureaus they would rather pay a verdict
in a million dollars than to actually go
in and change the policies and
procedures that they have because that's
much more expensive to them i could say
this without qualification the dispute
procedures used by the credit reporting
agencies uniformly used completely fail
to comply with the Fair Credit Reporting
Act courts have found that the Federal
Trade Commission has found that it's not
even a close call
Ohio Attorney General Mike DeWine agree
i think the industry is a mess and I
think the impact that has on on real
people is just unconscionable you think
they're breaking the law
I think they're breaking the law there's
no doubt in my mind they are breaking
the law
we wanted to talk to equifax transunion
and experience but like most consumers
we were unsuccessful the agency's
referred us to the spokesman for their
lobbying group in Washington he too
declined our request for an on-camera
interview but did provide a written
statement citing an industry-sponsored
survey that showed ninety-five percent
of its customers are satisfied with the
dispute process the industry maintains
its in compliance with federal law
I mean wow can we all just like wow for
a minute like that is so so ridiculous I
mean 49 million mistakes or credit
report there was a good handset the face
and things on your credit report are put
on there and accurately that you have
mistakes on yours I mean look at the
people in that video on the lady with
all of those papers I mean she had a
business they need to know how these
things were attached you went through
four three four five years working on
this making phone calls and she worked
from home and so then you have another
lady confused with someone in the Mafia
different peoples names of different
people credit reports all kinds of
things different address the things that
shouldn't even be there it's just a
total total net so let me ask you a
question
it feels like that because that's how i
felt when i first watched the video and
it doesn't even have that many of you
going to youtube but if 60 minutes take
a moment to do a special on it then that
must mean it is the major problem it is
and for them not to get really even
respond transferring you to the
Philippines trying to get someone on the
phone trying to verify who you are and
it taking 30 days it's the fact this is
something you definitely don't want to
do on your own you've got to have the
money that has your back because none of
us took the course and cool on credit
I don't know did you guys of course on
credit in school get any other take the
course on champion or equifax or
experience I don't think so we can take
that course
so how can we possibly know how to fight
being giant either billion dollars in
today our credit scores just like a
vital sign for all of us being monitored
at all times and you're the only one
who's gotta care about it
no one's going to care about it
except for you I no one's going to make
sure your heart beats for you your brain
your body does that for you your credit
score
you're gonna have to get that done in
together on your own and that is what
i'm here to share with you it can affect
your insurance premiums and your
interest rate and you're not even paying
attention to the money folks there are
so many people they don't even pay
attention to how much money they're
losing and how much money they're
fishing out in interest payments your
interest and let's say it once we get
you up to 700 and higher on your credit
score we ask that you call into your
insurance companies and ask them to read
rate to use the term we rate and ask
them once they do that for you then you
will be your new rate and basically
typically we see anywhere from sixty
percent off of which are already paying
an insurance just by having that score
and use a mask for yourself and think
about how much money without save you
every month if you get a reduced sixty
percent of your insurance payments
renters insurance homeowners insurance
whatever and then with your credit score
you can also be denied the ability to
Rick purchase give a credit card or even
employment and that brings me back to
the beginning remember i said a bad
credit score is like the new felony
well if it prevents you from being able
to run an apartment and prevent you from
employment or getting promoted then
you're being treated like a felon
because your credit score and that's not
okay that's not okay with me
I don't like it could see it happen to
other people I'm passionate about what I
do and I like to help anybody that is
willing to listen and wants to make a
change and do something about it that is
all that I can ask basically over the
course of a lifetime less than excellent
credit rating can cost you over two
hundred thousand dollars anything
well how many calls over two hundred
thousand dollars when most people aren't
even making two hundred thousand dollars
in your home
you're paying in interest going to show
you on a flight here look at this
if you think that you don't need your
critics or even if you're not try
purchase anything with the Sabah that
comparison right here this is blows me
away i work with auto dealership to work
with all types of people-to-people going
to buy 2015 toyota camry twenty-three
thousand dollars a month in twenty-three
thousand dollars and sixty-six my term
president at the 734 person be at the
599 credit score and a person a page 1.9
preventers person B 14.9 Kristen
interest
look how much person a is paying look of
us are making off birthday 1302 dollars
and thirty-nine cents that's it that's
all they're making off of them because
what they got a seven-thirty what it is
first over here
59 on how much they make it off of
10,900 $21 boy for that person that's
got a 599 credit score is paying 9600
$19 invited for the same vehicle the
same vehicle we don't know these people
are black or white
we don't know a indian hispanic
but we know what they look like on paper
and it's not always about race it's
about how do you look on paper to look
at that on paper right here
what could you do what kind of person do
with 9600 $19 extra in your pocket /
only of 60 pics on firm that few hundred
thousand dollars i told you about that
helpful family family yet come from this
is where it comes from
I call this the invisible money little
interest without % ok that's does
invisible money you're throwing out
people are throwing this away i'll
guarantee you the mentality person being
that really needs the car right to get
back and forth to work ok they're
thinking do I make three times the
amount they can get approved for the car
okay am I going to be able to pay 500
$13 nice haven't been somewhat that's
what is making can offer these payments
yeah i make about 2,000 a month and i'll
just pay the five hundred dollars a
month and i'll be able to keep the car
and not have paid off
hey I'm even thinking about this because
they're in need and they need a car and
they're just thinking about can i make
the payment every month they're not even
realizing that they're losing the amount
of money and that's just for a vehicle
that's not for anything else we forget
cell phones and forget all that business
back all that money down the drain
it's time to do something about it it's
time to get serious
so what I'm showing you right here this
is no joke this right here will be your
portal once you can roll with me today
this is what you will have access to the
doors will be open for your finances and
you'll be able to see exactly what's
being done with your credit exactly what
we're working on for your credit exactly
what's going on so i'm going to click
here for credit restoration because that
what we're talking about today you have
a process video here if you have any
questions about how the process goes as
well as accessing your account what I do
what we do in total your credit score
and we're going to show you hear what
your fico school would be
you'll be able to see that score will
also show you a pie chart of how your
score is calculated on how to get a
better score as well as the progress
report on the progress report once we
pull the credit will be a hard inquiry
but of course it will be removed because
I'm the one who's pulling accredited so
basically here you see experience
equifax and transunion which will report
everything will pull everything out
that's on these reports to see what is
reporting derogatory on your account if
you scroll down here you'll have access
to see exactly what the names of these
items are as well as the last board of
the account numbers on these items on
your credit and if you can see this is
just showing beautiful experience you
can click on the View for equifax and
transunion as well it will show you
basically what we see what I see as a
late payment collection was the tax lien
with the ring convention with the
bankruptcy with the charge off and then
you'll see right here
like I said just being everything all at
once nothing we don't dispute don't
dispute 1230 better time everything that
is listed right here will be disputed
the very first time on the very first
round so what you can expect is in five
to seven business days after all of your
information as they were seen you will
be receiving your dispute letters that
will show absolutely everything being
disputed all at once so the process of
goes anywhere from four to six months if
you're just interested in the credit
restoration and we'll show you basically
what level of disputes your arms and
also what has been updated on the
account as you get those letters back
PDF disputes of course the first letter
that will be sending you will be sent
you in the mail because i have to verify
that that addresses your address because
you don't want someone repairing your
credit just so they can use your credit
have to make sure your address matches
once that's done you no longer have to
receive mail arm from ice basically
you'll be able to download it here from
the portal and print it and send it out
now like I said before I
if you are a lazy person and you don't
know you can get to a Coast office in
time then you need to go to the store
and purchase an envelope and out a
couple of stance and you need to back
your home once you receive these letters
that won't you print my letters all you
can just get them in the mail at home
with us down old-school style and put
them in the mail and send those letters
out on if you are the person that goes
to the post office and does what you
need to do then you can also take it to
the post office get a receipt for the
documents that you're sending out the
dates that they were mailed these
address right here are the correct
addresses that each one of your
documents need to go to these companies
have several addresses and if you start
these addresses online going to find
several addresses for equifax transunion
experience but these addresses are the
addresses that these documents need to
go to in order to get to the right-hand
your ID and documents you can upload
those documents through here or you can
send them over to me and I could upload
those documents for you
it's very simple you just click access
website and upload those letters they're
right here you have understanding your
dispute letters credit education
establishing credit debt collections of
students and seniors and this is nothing
but our sexual information that you can
look at instead of surfing the internet
and trying to figure out what it is
about credit and the feelers all that
you have all of that here within your
portal system so you are getting
something for the money that you were
paying today and well as you get a
credit builder in the credit builder the
credit builder is going to show you how
to build your credit
basically it's going to give you a
comprehensive breakdown of credit and
your FICO score so I'm gonna expanded
its a little bit because this is where
people kind of get things misconstrued
as far as their credit score they think
I came they all of their bills on time
that they should have a good credit
score well-paying on your bills on time
it's only thirty percent of the tide
chart which means you can still have a
bad credit score it even if you pay all
your bills on time you have to meet the
other qualifications of this pie chart
so
the other probably thirty percent which
is your debt-to-income ratio promise
that you have on your credit report of
an inch below thirty percent at thirty
percent like I tell people the great
girls don't go and say send us your w-2
how much money are you making look at
the ground with your debt-to-income
ratios the only way they're factoring
this number isn't showing looking at how
much available credit that you have to
spend and how much you've already been
so if you have a thousand-dollar credit
card then you should only be spending
paying them back at least seventy
percent of their money every single
month which is only going to kick in the
interest on that card but if you pay
them back in full every month or if you
pay them down past the thirty percent
mark then your debt-to-income ratio
looks good but what if you have a lot of
student loans or other debt that setting
their own top of the report then you
will need to add trade lines to the
report in order to our be fog basically
what you have available to spend and i
can show you how to do that as well
the other fifteen percent and the length
of credit history so how long have you
had that history reporting on inquiry
report they like to see anywhere from
two or more years reporting on the
credit report to generate that fifteen
percent that they're looking for also
ten percent in the types of credit and
want to be various different types of
credit loans credit cards different
things that you have and they also want
to important to be a new credit so now
you have an understanding of how to get
a premium credit score because you can
tell
hey if I'm eating all of these
qualifications and all of these then I
need to work on these three
qualifications in order to boost my
score and so bad something that you'll
be able to see that you probably didn't
know that you can do as well as our let
me bring the screen back down
over here so it goes through all of this
kind attorney you have that as well
you're gonna have access to credit
attorney for dead harassment or credit
problems and basically once you enroll
with me all of this belongs to you
all of this is in your membership you
can just simply click on credit Ernie if
you have a major situation or someone
that we need to do litigation for you
for for credit era that harassment or
identity test you input the information
here and click on submit and then you're
pretty much done there's the credit
rating will contact you okay I'm as well
as smart credit smart credits included
our creditors an app you can download it
to your phone because there's a
difference in your identity being stolen
vs your bank account things being
compromised so you will be able to put
in your bank information yourself on
information and you'll get alerts that
anyone is spending anything on your
account and it will actually sending
authorities out there to whomever is
using it if you click on
no this is not mine so if you look here
we also show you what your insurance or
in hiring risk or auto score and credit
score because keep in mind progressive
started this not too long ago maybe
three years ago where insurance
companies now pull their own scores on
to see how much they're going to charge
you for your insurance so basically they
have their own algorithm that will not
be what your FICO score is will not be
with your other three scores are they
have they're all algorithms and within
this we actually show you what their
algorithm is and what your score is to
them so basically what i say is one of
my clients get up to 700 or higher then
you need to call back into your
insurance companies and basically use
the term say hey I would like to be
rated want to use the term re-rated
they're going to come back and give you
a new a new rate on your insurance which
is typically fifty to sixty percent off
of what you're already pain and I've
seen it from some of my clients so right
there that can save you so much money
hiring rescore employees are checking
your scores now to see whether that
you're hiring read they want to protect
their of
American their company basically and
they're also pulling on your credit to
see whether or not going to offer you a
promotion and if your credit score is
well they may not offer your promotion
so you don't know what you couldn't
could not be missing out on because of
your credit score and it will show you
what your course to them because again
they're not looking for all the things
that I auto dealership might be looking
for they have their own algorithms that
they're looking for so it's important
for you to know how you look before you
go and ask for a promotion or before you
call in for your insurance as well as
your credit score and your audience
score a lot of you guys out there and
think that credit karma is a true score
credit karma is not i work with several
dealerships and we talk about this all
the time or people come in and think
that their credit score on credit karma
is the true credit score is not youtube
credit score a lot of times they are all
by anywhere from 20 40 to 60 points if
you don't believe me call the dealership
and ask them they get hit with this all
of the time where people think that they
have a certain for and they don't get
this right here is going to your true
other score that you will have also
credit comments off because I they only
go back to certain amount of years so
they're not pulling full extensive
report on as well as the only show you
Equifax and TransUnion and they don't
show you experience because of course
experience one of the top of you know
they have to pay for that and it's
pretty expensive so if you want to look
at your experience they have it where
you have to go into that on her own
it's so alone great service to give you
a roundabout on the mouth but it's still
not a service that is going to give you
be honest truth about what the score is
especially be going to apply for
something along with your membership
today you're getting so much today it's
unbelievable you get at what we call in
my care plan which includes a wheel a
trust healthcare between financial power
between the will
it's a very simple you go in here and
you can go ahead and execute your will
you'll put here and if you wanted to go
to yourself and then a further
alternative name you can start your
trust especially for those
you out there who are trying to start a
business it's a good idea to start a
business with your trust using the name
of your trust and not you as beyond the
person establishing your business from
here you can put on your financial
information of where the trucks along
your real estate any gift donations
distribution of how it would be
distributed and then you can also select
whether it will be a spouse or first
alternative for the child which is
awesome i love this too right here the
financial power returning that you have
in here because let's face it the
personality more in charge of your
finances is something happening might
not be the person you want in charge of
making sure you win and bison person in
charge of making sure you will not be so
great with finances so you want to
separate those two we have given you the
power to do that within your membership
today so you can also put in so you want
that person to be filled with
information male same thing with your
health care power of attorney bill that
information out as well and then once
that it completed basically you have a
all of that don't you have a will trust
financial power of attorneys what we do
it will know you had a nice black binder
for you to keep for your records and
that'll be your to keeping you're all
set and we have a copy as well i'm also
you have life like i said earlier
lifelog you would just go here you login
putting your phone number and all your
information so that you can be enrolled
in getting a base if anything going on
with your bank account you can also
remove your name from public searches
through life log of what you want him so
you know how you have people search and
sometimes you can find yourself on there
and make sure your email address or make
sure where you live or some of your
relatives you can go in there and
actually have your name and things
removed from all of the websites that
have you would it after that
excellent this here's another thing that
we offer to help you keep your finances
in order because it's not about just
getting a good credit score is about
keeping a good credit score so with this
debt bureau calculator unbelievable you
want to access the website what you
do is you'll go in and you put in all
how much you make and how much you're a
car payment as interest but and your
credit card and the interest rate your
home or your rent and entrance any dead
it is that you do and then the debt
calculator will automatically calculate
down to the day when you will be out of
debt based upon the amount of money that
you said he will allocate towards paying
off your debt or your field but also in
turn around and tell you how to take
that same by adding running take the
same money interviewing to an investment
account which will generate a retirement
plan for you or generate retirement so
bad it's been awesome tool wealthy
families use people and services like
this all the time to keep their finances
in order and you should be doing things
Thank as well as you receive a financial
lockbox this is a amazing right here
how many times do you lose thing do you
know where all of these items are in
your financial lockbox this is the place
we keep everything that you never lose
it on top of if something happened to
you and you become unable to speak we
can also designated to a contact person
that you have to access maybe bank
account dogs dogs are credit card
insurance policies of certificates of
deposits our monthly expenses lovely in
contention funds real estate on the
safety-deposit valuable gift card
certificates and other financial
information so 24 how friends found
something happens you can get all of
this
what if someone robbed you and you lose
your credit cards you have everything
already in here you don't have to
scramble around and try to figure out
what did I have what was in my wallet
and so this is really really good
a lot of times families don't know where
these things are with something happens
and like I was an early 52 billion
dollars goes and unclaimed assets from
people who cast away wonder why because
no one knows where the heck this stuff
is under the mattress is in the file
cabinet where the heck is this stuff so
all these money that's left over and
bank accounts and credit cards and all
this stuff
the family to be with under that death
or whatever is going on and no one knows
where to find you policies and different
things like that now life insurance is
not included and what I'm offering today
but if you are interested in adding the
life insurance and life insurance policy
can be added to you after three months
I'm after three months you would get
30,000 and then seven nine months 50,000
I'm after basically after year you'll
have a hundred thousand dollars in life
insurance coverage without going to the
doctor without a screening and you would
just fill out your beneficiary form life
insurance claim form and then that would
be done as well as discount shopping at
over 4,000 stores as well as the money
baby you were spending in the money that
anyone who stand on getting their credit
situation together two dollars of that
money is going back to help kids go to
school and that is amazing we gave away
a hundred eighty thousand dollars in
scholarships this past week for kids to
go to school and so feel that you know
that your money is also better a child
and putting them through college and I
think that is truly amazing to do that
I'm we're teaching these kids funny and
to be financially literate and so that
they can go into the world and we don't
have the same mistakes that we have
basically you also get a tar a discount
on medication anywhere from ten to
eighty-five percent off of medication
generic and brand-name prescription
which is really simple
basically you just click on access
websites you put the name it of the
drugs to take the code and the mall
radius and it was basically you out to
you on the location and where you can
pick it up at the cheapest rate you can
print out your rx discount card as well
and then also you get travel here we
have partnered with priceline so within
our travel portals this is your travel
portal you can access hotels flights and
cars and get it at a discounted rate on
the superb and priceline because we have
partnered with them as a third party as
well as health insurance and again you
can start health insurance here
medical Medicare vision dental
short-term business small business
insurance critical isn't critical
illness and travel so these are some
great services
I know you came here today summer credit
restoration but basically these are all
of the things that you get included into
the membership so I think that's awesome
the results own like I said you get
results anywhere from 30 to 45 days some
type of results know that we are
actually worked with all the account and
then as well as getting a follow-up call
and seeing all these things you get here
so okay guys so before I go any further
I want to really really stretch my
commitment to you
um I will be in contact with you within
24 hours after eating low in the center
restoration programs i will receive an
email with your contact information so
make sure your input that information
correctly if you don't mind my number
when i call spiritual texts say hey this
lovely you just enrolled one of the good
time to give you a call and then you
know it's me and just scheduled time or
call me bag and so we can go over what
I'm actually going to be to help you
with your credit situation because
everyone credit situation is different i
just wanted to deliver some information
to everyone its kind of generalized and
also personally guide you through
getting your dispute letters and want to
do from there so I know the port of
things a little bit confusing
I like I don't do that quickly but no
need to fret and worry about that
because I will guide you through that
and getting your documents together so
we can get the process started you
receive your letters within five to
seven different states from the time
that you enroll and you'll also get an
email immediately that will give you
access to that portal that i showed you
where you can go in and find out for
your life lock giving you know putting
your phone number so that you can get
enrolled in that services provided along
with the programs as well as getting
enrolled into your smart credit where
you can go in and log in and see what
your scores are for TransUnion and then
once we have everything submitted
it will show you what your FICO score
and on and i'll be committed to coaching
you step-by-step what you need to do to
boost your credit for you got everybody
screams for a situation of the same and
i want to know about our trade lines
which realize you can add right now
depending on your budget or if you want
to add tradelines later i can tell you
what those are and you'll be able to
speak with me and I'm very honest and
transparent with all of my clients so
once you have my contact information i'm
yours I'm your coach text me if you have
any questions or if you need me to give
you a call
I communicate with absolutely everyone
and the most important number five in I
take your success very seriously
your success is my success is everyone
else extent and so I really really take
that seriously and I'm committed to you
on that
so this is where you will go through
roll visit my website right here in his
www.sceeto.com so make sure you right
there Dale correctly i know some people
don't forget incorrectly and they get to
another page but basically did make sure
you get that website in there correctly
the payment for this is the one time
payment of a hundred and eighty-eight
dollars and ninety-nine dollars of that
money go towards your portal that i
showed you and eighty-nine dollars go
towards starting the credit restoration
process
in addition to that it will be eighty
nine dollars a month and the only thing
that our request recommend from you is
that you stay with me for four to six
months just four to six months is all
that I need your commitment for I want
you to really really take this seriously
and look at this writing a nine dollars
like I said it's less than all of the
bills that you probably have your cable
bill phone bill anything else that you
may be paying for your car note it's
less than that a month in might seem
like a stretch because you are possibly
in debt and you're paying so much money
and interest but it is an investment in
yourself and it's not a lot a lot of
people are paying over a hundred dollars
a month for just credit restoration and
they're not getting any other services
besides that
and so if you look at the price it's
really not a lot to get your finances in
order and if you've ever had in that
situation and i know some people have
had bad situation with their credit or
trusting other credit restoration
company
my advice to you is don't give up on
doing the situation fix just because you
were hurt in the past there's something
happened in the past doesn't mean that
that is your future and I've been in
everyone's but before I pay fifteen
hundred dollars towards people to think
like credit with minimal results i have
just had lots of money and be worried
about my credit and just threw money at
everything purchase everything with cash
I've been that person I've had an awful
terrible credit score and tried to live
with that and i have a good perfect
credit score I've live with that
so what I want you to do is take this
very seriously
um and know that there is the way out
keep trying until you find a solution
and I'm hoping that I can be your
solution today so once you go to the
website this is what I'm it what page
will land on I haven't landing on that
page on purpose of that there's no
confusion about where you need to go to
sign of putting your information because
there's other products that offer as
well right now our focus on the credit
restoration and that website link will
leave you to where you need to go
so basically only being need to put in
as a simple information it teach you
about a minute to two minutes to fill it
out your social birthday
gender first last name address city
state the code email address if you want
to file and cellphone and please make
sure you can create that information
properly and correctly so i can contact
you
also I'm your payment information and
you put that in your billing address now
like I said it is the $99 1 time
activation and then eighty-nine dollars
a month and so that's all that you'll be
paying today is 188 what every day that
you make your payment on let's say today
is between of the month you're gonna
clean it will be due until the twentieth
of next month's very very simple and if
you need to call it alter the payment
date because something has come up
it's very easy to do that we can read
schedule your payment date for another
time when you may be getting pain and
then also we have a two check boxes here
and you'll get submit once you have that
done your information will be sent over
to me you will receive your email like I
said which will guide you over to your
portal that you can log in and just
expect a call from me within 24 hours
and again i just want to put this back
on the screen for you guys in case you
maybe didn't get a chance to get to can
quickly enough for a couple or write
down this information but this is where
you're going to go to go ahead and get
enrolled remember credit it's not a
process that just you pay for and its
influence painlessly fix it is one of
those things that different than working
out or going on a diet does take time it
takes dedication and it's better to go
ahead and get enrolled now I know a lot
of people are either getting your tax
money or refunds or whatever
instead of picking up there throwing it
at your of taking your money from your
taxes and planning it to take back
probably a third party that you probably
don't even oh don't do that don't do
that at all
enroll in the program let me give you a
call don't put any money towards paying
them right now until you find out
exactly is it those are the people that
you need to be putting your money
towards so there's no reason you should
be asking what are the Top Credit Repair
Companies because this is your solution
so I hope to to get in touch with you i
hope to better your situation and if you
have any questions go ahead and roll
you have three days to cancel on and
then also there's a satisfaction
guarantee on the back and if you're
unsatisfied with the services so you
don't have anything to lose you have
everything to gain with me with the
services so just go ahead and do it and
everybody thanks so much have a
wonderful wonderful day bye

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