You Need Perfect Credit in Our "New" Economy -- AND WE CAN HELP REBUILD IT FOR YOU!
You're probably realizing by now how important perfect credit is in this day and age -- especially in these tough economic times. It's much easier to build business credit when you have excellent personal credit. Now banks are requiring that they pull personal credit for real estate deals, even on commercial property mortgage applications.
Okay, so reality is, you can build good business credit even with poor personal credit. However, when you have excellent personal credit, building stellar business credit happens with super speed. When you have poor personal credit, it makes getting any kind of credit much more difficult than pushing a meatball up a steep hill with your nose and your hands tied behind your back.
My "Unorthodox" Strategies that I CREATED Myself to Get Perfect Credit -- And How We Can Apply Them to Your Credit Reports FOR You!
One thing that I have a lot of experience with in addition to real estate investing is getting perfect personal credit. Back in 2003 I thought I had to file for bankruptcy because of some debts put on my credit by my first husband. Before that time, I actually did have perfect unblemished credit. My credit score went from the high 600s down to the low 500s overnight.
Of course, like everyone else, after the blows to my credit and the dust settled, I went through every book out there on fixing bad credit. Most of it was the same old rehashed crap over and over again.
Years later, I met my 2nd husband (yes, I've done this 3 times and double yes, I'm insane). We were buying a house and he had some major blemishes on his credit report. He hired an attorney who negotiated all of his debt. Not only did he (or rather I) had to pay the lowered agreed debt amount, none of it came off his credit! In fact, even though the debts were paid they still showed DELINQUENT and, even worse, that he paid a SETTLEMENT amount (meaning he didn't pay what he originally owed).
And that sucked!
I'm like, "There is no way in hell I'm paying a lowered negotiated settlement amount just to have it REMAIN on my credit report as a negative mark. I'd rather have them removed altogether as if they never existed at all!"
This is where it all began and how I had to discover on my own some very unorthodox (yet legal...barely) methods that are NOT in those rehashed Do-It-Yourself Fix-Bad-Credit books out there. (In fact, I can GUARANTEE that my most successful methods of delinquent account removal aren't in ANY of those books in bookstores or even through downloads.)
Now that we have a credit building service available, we can apply these methods to helping increase your FICO score!
Bad Credit = Missed Opportunities
I recently read that there was a rap star who was going for a car loan on a Bentley and wasn't able to get the car even though he showed gross revenues of over a million dollar a month...all because his credit SUCKED!
Sometimes it ain't all about money, folks. Sometimes it's about good old fashioned credit. And, of course, "credit" by definition means "to your credit" as an "honorable and trustworthy person" this is how you conduct your financial affairs. If you cannot be "credited" as a "trustworthy" person with borrowed funds from someone else, no one will do business with you during these hard times because the financial risk on their part is astronomical.
How many deals are you missing out on because you don't have any cash? There are apartment buildings you can get your hands on for about $1,500 - $2,500 PER UNIT in Atlanta, Georgia (one of the fastest growing cities in the United States) but you can't get these apartment buildings WITHOUT CASH.
And if you have no cash, YOU COULD BORROW IT...
But ONLY if you have GOOD CREDIT!
Only a Few Pieces of Property is ALL it Takes to RETIRE!
Think about it: how much does it really take to get rich? Do you need 10 apartment buildings? Do you need 100 apartment buildings?
No, actually, you only need a few. And they can be very small ones too!
Now, if you are getting apartment buildings for PENNIES on the dollar (and there will be NO OTHER TIME in your lifetime as NOW to get deals this cheap...GUARANTEED) yet rents haven't dropped AT ALL in most areas of the country...you can be banking on massive cash flow just from having anywhere from 10 - 20 units TOTAL.
That means throwing in $15,000 to $50,000 for your retirement!
Is it hard to borrow that kind of money? Uh...no! Not with good credit! In fact, I have that much available on my credit cards alone not including signature loans. And that's from my personal credit. I'm not even referring to my business credit at all.
How I Went from the Low 500s to the High 600s in 90 Days
Quite honestly, I didn't even start working on my personal credit until 2008 after I was hit with a mind-boggling seven-figure judgment. I didn't think I could do much for my personal credit, I was using partners for most of my real estate deals to that point, and during the "hey day" of commercial real estate (up to 2007) personal credit didn't matter on cash flowing properties.
So my personal credit was never a concern UNTIL EARLY 2008 when I couldn't continue buying property anymore because of how strict the banks had gotten! Was my commercial real estate investing career over?
I thought it was for awhile.
I dropped everything I was doing to start fixing my credit. I plowed through every lame credit repair book out there. Every single one of them had the same stupid list of crap to do. So I dabbled in the credit repair stuff for a couple of months, gave up out of failed frustration, then started again in the fall with a fresh new set of ideas. All my own ideas, of course, starting off with..."what if...?"
This is when I started "coloring outside of the lines," so to speak. I started inventing my own processes.
From the second time I attempted the credit repair using my own rules, I was able to go from NO IMPROVEMENTS (using the strategies in bookstore books) to DRAMATIC IMPROVEMENTS in my FICO score within 90 days.
Again, this is all direct personal experience of my own. This isn't some deal where I've found a couple of self-proclaimed "experts" on credit repair, interviewed them, and whipped together a course for you. All of my strategies are based on my OWN PERSONAL EXPERIENCE based on a system I was forced to invent because the ones out there simply DON'T WORK!
New Credit Building Service to Do All the Work FOR You!
I've created a Personal Credit Building Service implement all of the secrets and strategies that I teach in my Personal Credit Building Course and Mentorship Group...EXCEPT we'll be doing it FOR you. Instead of you trying to figure out how to do the system correctly or reminding yourself to follow up on time (in 30 - 45 day intervals), we will do all the work for you!
We'll work on having any bankruptcy, foreclosure, and all delinquencies removed from your 3 credit reports. We'll also work on having your information updated and inquires removed as well. We'll also follow up with the appropriate government complaints via both the FTC and state attorney general offices to help have items removed as well. This is something that NO OTHER credit service out there will provide.
Trust me; I didn't want to have a credit service. The problem; there are so many scams out there and I wanted to make sure you do it properly using MY methodologies which most people WILL NOT do. Credit repair service our there won't use my methods to have adverse/negative items removed from your credit reports. But I will! You can guarantee that!
I even have a strategy to have foreclosures removed from your credit reports as well.
Of course, it's not "guaranteed" that I can have a bankruptcy or foreclosure removed but we'll pull out all the stops and use every possible method available to get them off.
What's in the "Service"?
Here's how it works:
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Sign up for the monthly service; if you sign up for a full year then you'll get a kick-ass discount
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Fill out a simple form that will include your basic information such as your full and complete address, phone number, Social Security number, current employer, etc.
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Pull all 3 credit reports and mail them into us directly; this is when we will get to work on having your items removed
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ANY correspondence that you receive from Experian, Equifax, and/or TransUnion needs to be forwarded to us via US Mail
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Then...just wait for your items to roll of your credit reports while we keep following up and doing all the work!
This service is for those of you who...
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Can't figure out my methods on credit repair/rebuilding (although I don't know why; they are SUPER simple)
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Don't want to figure it out
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Don't have the time to do the work and the follow up yourself (which is CRITICAL to getting Triple A credit)
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Are too lazy to do this on your own!
It Takes Anywhere from 90 Days to 12 Months to Fix "Broken" Credit
Depending on how "bad" your credit is will determine how long it will take to fix what's broken. Once your credit is fixed, you are set. You are done with the credit building service! You don't have to keep paying and paying for something that you don't need anymore like traditional credit building services will do to you!
Of course, I can't tell by talking to you on the phone how long it will take to have the items removed from your credit. If you have a bankruptcy, one or more foreclosures, and/or judgments, plan on exhausting the entire year to get your credit fixed. Sometimes it takes longer. It took me 18 months to have a $1.69 million judgment removed from my credit but it was WELL WORTH the wait!
Again, once your credit is in Triple A Condition then you're done with the service. This isn't some deal where you have to keep paying for the rest of your life. When you're done, you're done!
Okay, So What's the Deal? How Much?
If you want the Personal Credit Building Service, it's ONLY $147 $97 per month or $1,764 $873 for a full year!
If you are at the point where your credit has gotten out of control then you'll probably need a full year. If you only have a few nasty things on your credit reports then you'll probably only need a few months!
You Either Need This or You Don't
I'm not going to go into an arm-twisting spiel about how you need this, you can't live without this, your life is over unless you get this, blah, blah, blah...because that wouldn't be true for everyone.
Who doesn't need this?
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Someone with an 800+ FICO score, no delinquencies, no negative marks, and few inquiries
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Someone who has no desire to invest in property in this market (who is also probably deaf, dumb, AND blind)
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Someone who is satisfied in waiting out the 7 - 10 years for all the bad crap to fall off his or her credit report by itself (and thus willing to miss out on the LAST lucrative opportunity to get bottom-basement prices on real estate in his or her lifetime)
Who needs this?
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Everyone who DOESN'T fit into any category above
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Anyone who is in a MASSIVE HURRY to change the "landscape" of their 3 credit reports
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Anyone who wants to make money in this economy while you can get property DIRT CHEAP (but ONLY if you have cash or good credit to get the cash)
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Anyone who is sick of living as a Paycheck Charlie, 2 paychecks from the street, and wanting to use OPM (Other People's Money) or CREDIT to make a fortune while they can as quickly as they can!
Questions? Call Us!
Questions? Call my office! (Remember, you have to keep them busy!) The number: (661) 295-5050. They're there Monday through Friday from 9 AM to 5 PM Pacific Time.
Otherwise, place your order online (so you don't actually kill my staff if you can help it). Remember, as always, if you need a special payment plan, call my office. My staff can put something special together for you to help you become part of this service while making affordable payments.
See you at the top!
Your mentor,
Monica Main
