Monday, May 25, 2020
250k in Funding
Part 1: First Things First – Your Credit Report
Part 1: First Things First – Your Credit Report
The very first thing you need to do when trying to raise your credit score is to find out what your FICO score is and what it means. Legislation called the FACT ACT was passed that allows all Americans to get one free copy of their credit report every year. This report lists all of the debts you have had and your payment history on those debts.
It will tell you where you owe money, how much you owe, and how you pay (on time, 30 days late, etc.). All of that information is compiled together and then analyzed.
After the analysis, a number is assigned to you as to what your credit fitness level is. Potential creditors then look at your credit score and decide if you are requesting to borrow.
That’s the short version. Actually, there is much, much more involved in determining your credit score. However, what should be important to you is knowing how to read your credit report and how to raise that score so that you are able to get the things you need. Remember that – the things you NEED, not the things you WANT!
Let’s start with how to get your credit report in the first place. There are three major credit reporting agencies that offer you a free credit report you get each year. They are Experian, TransUnion and Equifax.
Why is it important you get a free credit report from all three agencies? Creditors can pick and choose which credit reporting agency they want to report to. Some will report to all three, but many will not. You may find that what is included on one report is not on another. The reports will have different information because it is a voluntary system, and creditors subscribe to whichever agency they want - - if any at all.
RICH CREDIT CLUB
HOW TO WIN THE CREDIT GAME
Thursday, May 21, 2020
R.C.C 30+ Primary Tradeline List
Are you building credit or have a new credit profile you are looking to build?
Build your file with R.C.C Primary Tradeline List, the very same we use to build our clients credit with and the largest list in the credit industry.
Primary accounts are the best way to build your file. If you know anything about Authorized Users then you know that after 45 to 60 days they will know longer be active on your file. But primaries are your accounts and they remain on your file.
Download the Rich Credit Club primary database and gain access to over 110K in primary tradelines:
Retail Credit 5k and up
Jewelry Credit 5k
Furniture Credit 12k and up
Credit Building accounts up to 18k
Secure Cards $200 and up
And more…
These are lines that tradeline companies charge thousands of dollars ($$$) for.
For only $14.99 get access to the largest primary tradeline list in the credit industry, Link to direct application pages and never pay high ticket prices for AUs again.
These are legitimate primary trade lines that will report to the bureaus in your name.
You can get approved for every primary on the list and spend less than you would on the best Authorized User you can find. How good would 110K in primaries look on your credit file.
Thursday, May 14, 2020
Pandemic Auto Loan relief letter
Need a little relief from your car loan because of the pandemic, send a copy of this to your lien holder.
VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED
[Your Full Name]
[Your Full Street Address]
[Your City, State Zip]
[Your Telephone Number]
[Your Email Address]
[type your loan or account # here]
[Date]
[Name of Auto Loan Company]
[Auto Loan Company’s Street
Address]
[Auto Loan Company’s City, State Zip]
Re: Request for auto loan relief due to COVID-19 (coronavirus) pandemic
To
[Name of Auto Loan Company]:
On 3/11/2020, the World Health Organization
designated COVID-19 as a pandemic. In a short period, as of 3/27/20 in the US, over
97,110 cases and over 1,481 deaths have been reported.
Please accept this communication as my
official request for forbearance on this loan.
I am requesting that you take the next two payments that are due on this
loan and move them to the end of my loan term without applying extra interest
or penalties to the loan. I understand
that many Auto Finance Companies are doing this and I hope that you are one of
them.
Thank you in advance for your attention to
this matter.
Sincerely,
[Sign here]
[Your Full Name]
Tuesday, May 12, 2020
How to Build Credit on a Budget
when trying to build
a positive credit file so you can get a loan, home, high limit credit cards,
rent apartment, lower interest or improve your situation, one of the first
things you need to do is lower your debt to ratio, this will raise your score
on its own. Provided you do not have negative information pulling it down. This
tip is for those who are building credit with no negatives and even if you have
negative items it will help but will not be as effective.
When you pay your
bills, pay a little extra, not much but at least a few dollars more than the
minimum payment.
Another tip is to
open a secured card at your bank, be sure to ask if they report to all three
credit bureaus. If not, no problem keep reading and we got you.
With that said this is our top five picks to build a credit ready file for under $500
Open an account with Kikoff this is one of the easiest primary accounts you will ever open and its free. We are still doing research on the company to see how well it performs. But for a free account that reports to your credit who can argue that. Click the link below and follow the steps, its literally that simple, follow the steps they are very thorough, make your first payment of $1 and you are on your way to building positive payment history.
Now use your own
money $200 to fund your deposit to open a secure card and as a result there are
no strict credit requirements. Please note there will be a credit check as part
of the card's underwriting process.
You may not be
approved for the card if you have an active bankruptcy in the courts.
In very rare
situations the issuing Bank may request a copy of your Driver’s License to
verify your identity.
Reports to All 3
Bureaus
No Credit Score
Approval
Reports 6 times a
month
Receive your secured
credit card in as little as 2 weeks and quickly
start building positive credit history that will improve your credit score!
Next i suggest opening one of everyone's favorite, Cap One secure card. Cap One reports to all three credit bureaus, looks great on your file, and better than applying for another retail card in our opinion that you have to purchase something just to build credit, (that's on the next step) you make the $49 minimum deposit, receive a $200 credit line, you still have access to your money (so you really don't spend anything just your deposit) and in 6 months of seasoning go back to Cap One for a unsecured card. If you made your payments on time and did not max out your card your chances of approval are very high. Remember to keep your spending under 30% (we suggest under 10%).
Now you want to open
ONE OF EACH of our favorite cards both giving 5k guaranteed. In rear situations
people are denied so if you have a bankruptcy not yet discharge or child
support reflecting late on your file clear that off your credit file first and
have ID just encase they ask. If you need assistance with credit repair RICHCREDIT CLUB can help you.
Both will run you about $200 each, there is no need to spend any more than that. That is the minimum requirements to receive the full 5k from each company. Both require a $100 signup fee and you must spend $100 with their online store to qualify and get the positive payment history. Both report to all three major credit bureaus.
How about that, If you follow the steps above you will build a positive profile and you did not have to purchase expensive authorized users that fall off in 60 days and did i mention that you did it for under $500 bucks. Now you know why we advise to do your secure cards first, use your secure cards to buy your retail tradelines, result is, you built your credit on a budget and if you can’t afford to pay up your secure cards by the payment date that's fine, "Hey it happens" pay back the minimum over the next 6 months, your scores bounce back, and now you’re ready for funding.
We hope this tip
worked out for you. If you like what you read feel free to leave us a like,
please share, comment, and subscribe so you don't miss any new juicy credit
game we will share.
Monday, May 11, 2020
Reduce your Credit Balance and pay bills with this method
Build Credit for $1
$500 in Retail Credit
This Primary Tradeline is another good account to add to your credit file if you have not dose so already. It only reports to EQ but still a great account for when you need to build credit. I personally think the price per month is to much at $24.00.
"Click below"
Credit Time Clock
Sunday, May 10, 2020
12k Primary Tradeline
- Easy Approval Even If You Have Bad Credit!
- Build Good Credit And Look Good Doing It!
- Get Up to $12,500 of Unsecured Revolving Credit within 48-72hrs!
- New Name Brand products Added Daily!
So, How do you qualify?
To qualify for an account the following minimum criteria must be met:
- US Citizen.
- Be 18 years or older.
- Have a valid social security number.
- Have a monthly household income of $1400.00.
- Purchase a membership and Complete the application on the checkout page.
- Prior Credit History, Good or Bad.
>>> Here <<<
Best Secure Card
Rich Credit Club Affiliate
Fundamentals of credit repair
All credit repair revolves around your rights as a consumer. The rights you have are all based around a handful of Federal and state laws.
This can be done by disputing items with the credit bureaus OR with furnishers that reported the information, like creditors and debt collectors.
With the Fair Credit Reporting Act and other laws, you have the legal right to dispute any information on your report. Then, the credit bureaus and furnishers have 30 days to investigate and either verify it as correct or remove the disputed information.
They are also required to mail you the results within 30 days.
So when you get the results, you will know what happened and decide on what to do next.
7 Steps to Great Credit
What are Tradelines
$5,000 Primary Tradeline
Boost your scores FAST with $5,000 unsecured revolving credit in YOUR name
A primary tradeline is an account that shows on your credit report as your account, versus being an authorized user's account. You hould have a good mix of accounts on your credit report, including primary tradelines AND authorized user tradelines.
Ideally you want to have at LEAST 5 OR MORE OPEN, POSITIVE accounts on your credit report, between primary tradelines and seasoned authorized user tradelines.
There are several legitimate companies that exist for the sole purpose of reporting primary tradelines to your credit report. Their fees are minimal in exchange for the power of what they are really doing to show credit stability on your credit report.
Below is a primary tradeline that will help BOOST YOUR CREDIT SCORE and build a solid foundation for your credit report, even if you have bad credit.
We recommend getting the one below ASAP as it can take time to report.
Online jewelry company
- Get a $5,000 unsecured primary tradeline on your credit report. This will be your account, in your name.
- The purpose is to boost your credit score and help build a solid foundation for your credit.
- The injection of an unsecured (meaning no collateral) $5,000 credit limit paired with super low utilization is bound to make your credit report stronger.
- Easy approval.
- Approvals are immediate.
HOW IT WORKS:
- You place an order for at least $100 for one jewelry item from their website, and they will ship it to you. Choose something low cost only $100 to keep your cost down. Don't purchase anything else.
- Once you get approved which is quick, they will begin processing you for a $5,000 line of credit which will report on your credit. Read their FAQ's for additional info.
- Ensure you make the payments because they are reporting the usage and re-payment history.
- You must be at least 18 years old and a U.S. Citizen.
- Household income must reflect $1,400
Once this tradeline shows on your credit report, for many people, the reporting of the perfect positive account with $5,000 credit limit and super low utilization has a powerful impact so this will be great for all credit builders so you can secure funding, mortgages, credit card approvals and more...
To learn more about how it works or sign up,
>>HERE<<
Let me know how much your score increases with this, I cant wait to hear...
IF YOU ARE INTERESTED IN HOW TO WIN THE CREDIT GAME CALL US, WE HAVE HELPED THOUSANDS OF PEOPLE.
Office (877) 812-6494 EXT. 718
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Part 1: First Things First – Your Credit Report The very first thing you need to do when trying to raise your credit score is to find ...
-
when trying to build a positive credit file so you can get a loan, home, high limit credit cards, rent apartment, lower interest or improv...
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Wont to learn how to reduce your credit card balance and still pay your bills on time every month. This is a must watch.