Having an authorized user can help a primary user reach limits to earn reward points for some cards. One of the most effective marketing strategies of credit card companies is to offer bonuses and rewards for adding authorized users to your account. Adding another user to your account could add a few thousand extra reward points you would not have earned without adding the user. Then, there’s always the chance that the authorized user will make purchases that contribute even more to your attempt to accrue reward points.
The Capital One® Secured Mastercard® offers qualifying cardholders a lower security deposit compared to other secured cards. You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness. Typical secured cards require you to deposit an amount equal to your credit limit, so this card has added perks for people who qualify for the lower deposits.You can also receive a credit limit increase without making an additional deposit after making your first five monthly payments on time. This is beneficial for people who need a higher credit limit and don’t want to (or can’t) tie up their money in a deposit. Also, this card comes with a credit resource center — which is available to everyone — and Platinum Mastercard® benefits that include travel accident insurance and price protection.
Make your company indispensable to your client by offering them a holistic service not only in the correction of inaccurate information on their credit score but also educating them on how to raise their credit score, rebuild their credits and also prevent future occurrences of negative items on their credit report. As a professional in this industry, you should be able to know products in the market that will help your clients rebuild their credit and raise their credit score. This will make them indebted to you,and your company’s name will be the first thing that pops up in their mind when they’re in need of assistance with their credit scores. We have provided enough videos and resources in our software that will properly educate you on raising credit score and rebuilding credits. (All training are in video format).
"I searched the internet for a credit repair training program and there are many. I purchased as many as 3 of them paying over $3,500 and did not feel comfortable with my knowledge especially when I left until I got this program and the helpdesk included. It is simply fantastic and the price is really a steal for all the tactical information received. It was worth much, much more. Thank God they are a non-profit company not selling anything else but credentials and training making sure that members are trained and doing no harm to the public. I am extremely happy with CCA. - Rachel
Yes, it is technically true that no one can legally remove accurate and timely information from your credit report. But let's be honest, this is not the total the truth. There are legal techniques available and consultants can easily earn an extra $1000-$2000 per month part-time or $6,000 to $25,000 per month full-time helping consumers with proven strategies to increasing their credit score.  Mortgage brokers and real estate agents resolve credit issues with their clients everyday but many are not getting paid for this service. This is why many have received their certification from our organization. They did not have to pay thousands just to learn this business.

We agree that it is very important for individuals to be knowledgeable of their credit standing. When you have a credit-monitoring tool like freecreditscore.com on your side, you get e-mail alerts whenever there’s a change in your credit score–and you can also see your credit score whenever you want. With the free credit report from the government, you only see your report once a year. If you monitor your credit score regularly, it’s easier to catch inaccuracies before it’s too late.
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This product is also known as Personal Credit Builder, and is based on the software tool called Credit Money Manager that many professional credit repair businesses use. Personal Credit Repair Software automatically imports your credit information from the credit reporting agencies, and then walks you through the steps required to identify and dispute erroneous entries on your report. This software also comes with bonus products, tips and strategies included in the price.
Credit repair refers to the process of disputing mistakes and errors in your credit reports. Each credit bureau maintains their own proprietary version of your credit report. They strive to maintain accurate information, but errors can occur. Credit repair is the process you use to correct those errors by submitting a dispute to the credit bureau that issued that report. If the information cannot be verified within 30 days, the credit bureau must remove the item you disputed.

Is Credit Repair Legal or Does it Work? Absolutely! You may hear others use the term scam and unscrupulous when referring to credit repair companies. Why? Well, many consumers have been scammed tremendously years ago. The government had to create and enforce special laws to protect them from being victimized by these so-called credit repair firms. But that's all in the past when dealing with consultants with credentials!!! We will always have scammers but they are NOT the norm now.
While multiple hard inquiries can increase score drops, particularly for those who are new to credit, credit-scoring agencies recognize the importance of rate shopping. As a result, multiple inquiries for student loans that occur with a 14- to 45-day window (depending on the type of credit score) only count as a single inquiry when your score is being calculated.
You could consolidation the loans with a federal Direct Consolidation Loan. The Department of Education will issue you a new loan and use the money to pay off your existing loans. If you include your defaulted loan, that loan will be paid off, and your new consolidation loan will be current. To be eligible, you must agree to either repay the consolidation loan with an income-driven repayment plan or to make three monthly payments on your defaulted loan before applying for consolidation.

• Learn How To Improve Your Financial Well-Being – The Credit Repair Doctor® isn’t just a do it yourself credit repair course.  The  Credit Repair Doctor® has many components to the system and one of them helps you increase your credit score, AND also improve your financial well-being. The course comes with a special workbook along with a customized budget guide allowing you to increase your credit scores AND improve your financial lifestyle.


After you have finished the interview you may want sell or provide the client a copy of the ICFE's Do-It-Yourself Credit File Correction Guide. The ICFE Guide has sample letters for your clients to use as a guide in making any changes desired.  If you provide them with a complimentary copy of the ICFE Do-It-Yourself Credit File Correction Guide, it is a $20-25 retail value, your cost is $7.50 each plus postage.
The Credit Repair Business Training course help me understand the business and what's required to start this business. It's giving me more courage to start the process to make this my business instead of just a dream. This course is like a blueprint to help point you in the right direction, because in the beginning you feel like you are in a maze, not knowing where to go next. Thank you for all the information and advice to get me started on making my dream a reality.
The Credit Repair Business Training course help me understand the business and what's required to start this business. It's giving me more courage to start the process to make this my business instead of just a dream. This course is like a blueprint to help point you in the right direction, because in the beginning you feel like you are in a maze, not knowing where to go next. Thank you for all the information and advice to get me started on making my dream a reality.
Negative entries on your credit report that are either erroneous or inaccurate can often be removed by simply writing a letter to the reporting agency. In fact, the Fair Credit Reporting Act (FCRA) states that the credit reporting agencies must investigate any disputed entry a consumer discovers on their credit report. If the agency finds that the entry is erroneous, they must remove it from the report.
The amount of time varies depending on how fast the credit bureaus respond to your disputes. They have 30 days to respond per dispute. If you have multiple disputes to make with more than one bureau, you may decide to handle a few at a time. As a result, the process generally takes about 3-6 months if it’s your first time going through credit repair.
Daniel Rosen is an investor, advisor and the founder of CreditRepairCloud.com. In 2002, he invented the world's first credit repair software. A decade later he launched Credit Repair Cloud, which today powers most of the credit repair industry, with thousands of business users in over 1800 cities worldwide. His products have helped millions of consumers to improve their credit and thousands of credit repair businesses to build and scale their processes. In 2016, Rosen published "The Ultimate Guide To Starting a Credit Repair Business," now available on Amazon (a digital version is included free with this course).
"This is an excellent credit repair course — definitely worth checking out! All my student have taken and implemented these finely clear steps - and are, in fact, cleaning out errors that can lock you out of essential credit markets. I love the fact that it's a step by step VIDEO TUTORIAL COURSE (took the full course on my laptop - and the support is excellent."

You can start to resolve identity theft issues by visiting www.identitytheft.gov to report identity theft and get a recovery plan. This is an excellent, free website created by the Federal Trade Commission. In addition to reporting identity theft, you will receive a free action plan, and you’ll gain free access to people who can guide you through the identity resolution process.
One very good indication of how much people are in debt is their debt-to-income ratio. This ratio, which will be addressed later in more detail, determines just how much someone pays from their net income toward debt payments. Right now, the average ratio is about 14 percent. That means that the average consumer uses 14 percent of their yearly income to pay their mortgage, as well as auto and personal loans, and credit cards. That means that if you make $33,000 per year, net-income, then you pay $4,620 each year in debt payments.
The Capital One® Secured Mastercard® offers qualifying cardholders a lower security deposit compared to other secured cards. You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness. Typical secured cards require you to deposit an amount equal to your credit limit, so this card has added perks for people who qualify for the lower deposits.You can also receive a credit limit increase without making an additional deposit after making your first five monthly payments on time. This is beneficial for people who need a higher credit limit and don’t want to (or can’t) tie up their money in a deposit. Also, this card comes with a credit resource center — which is available to everyone — and Platinum Mastercard® benefits that include travel accident insurance and price protection.

Financial Management Course, also referred to as "debtor education", generally refers to the "instructional course in personal financial management" that an individual debtor must complete before a discharge is entered. This is a separate course, not to be confused with the pre-petition credit counseling requirement. While the credit counseling must take place before you file, the debtor education must take place after you file before the discharge can be entered.
No! And it’s bad that consumers think that credit repair is bad because of the scams. A few bad apples make it seem like the credit repair process, as a whole, is fraudulent. But credit repair is a federally protected consumer right. And if you avoid credit repair because you’re worried about scams, you could miss out on the chance to easily boost your score.

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Negative credit information is any action that causes creditors to consider you a riskier borrower. It includes late payments, accounts in collections, foreclosures, bankruptcy, and tax liens. Once negative credit information is introduced into your credit history, you cannot remove it on your own. However, time heals all wounds. The longer it’s been since the negative information was introduced, the less it will affect your credit score. In time, negative information falls off your credit history.
"I searched the internet for a credit repair training program and there are many. I purchased as many as 3 of them paying over $3,500 and did not feel comfortable with my knowledge especially when I left until I got this program and the helpdesk included. It is simply fantastic and the price is really a steal for all the tactical information received. It was worth much, much more. Thank God they are a non-profit company not selling anything else but credentials and training making sure that members are trained and doing no harm to the public. I am extremely happy with CCA. - Rachel
CCRS™ qualified professionals are employed by a wide range of organizations including consumer credit and debt counseling organizations, credit unions and other financial institutions, student loan lenders, cooperative extension system, all branches of the military, mortgage, real estate, and financial services firms; law enforcement, and other government agencies. Many others are private practitioners, financial educators, notary public, attorneys, security consultants, CPAs, CFPs, and other consumer advocates.
Building a successful credit repair business on your own is practically impossible. There are too many variables to take into consideration and aspect one needs to be mentored or gain experience before delving into this industry. We genuinely believe that every single video in the training video module of the software is the best the credit repair industry in the country has to offer, and this is nothing short of the truth. Every beginner typically lack the adequate skills and experience required to build a successful credit repair business; even an average person would be unable to thrive in the industry successfully, level of knowledge and experience required would serve as a barrier. In our software, there are 74-HD training videos specially created to meet all your credit repair needs in details. With this at your grasp, I can confidently say you’re a few steps away from being an expert. These videos would easily sell-off for $2,000 as a stand-alone product, but you get it for free once you become a paid member. (All trainings are in video format).
You can definitely build your credit from scratch by working to improve the factors that go into your score — except for the length of credit history. It’s impossible to travel back in time to open a credit account, so improving this factor just takes patience. Luckily, the length of your credit history isn’t the most important thing that determines your score.

An example of when verification can work in your favor. Let’s say you’ve had a debt that’s gone through multiple collectors. It’s been bought and sold several times. In many cases, collectors don’t have complete information about the original debt, which is required to verify that the debt is really yours for the amount they say. If you ask a bureau to verify it and the collector can’t provide all the information required, then it must be removed. This can sometimes get a collection account removed, even if it’s legitimately a debt that you originally owed. Basically, you get off on a technicality because the collector doesn’t have complete records.
This course, designed for non-financial managers, uses the FinanceTalking accounting game to show you how accounting works. By the end of the day you will have a good understanding of how the income statement (P&L), balance sheet and cash flows fit together. You will appreciate the role of financial management and you will see how to apply your learning to a real company example. We teach in small groups so that you can be sure of individual attention.
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The statistics are staggering with how many people suffer from credit problems. Millions, with that number growing because of the economy, are actually using credit to keep their heads above water. This is a losing strategy that only results in them losing nearly everything they have as the water quickly pulls them under and the debt rock shows no signs of letting go.

Scott Gibson is the J.E. Zollinger Professor of Finance at the College of William and Mary Mason School of Business. His current research interests include optimal financing strategies for hospitality firms and the effect of institutional investor trading behavior on securities prices. His research has appeared in hospitality-focused journals including the Cornell Hotel and Restaurant Administration Quarterly, Journal of Hospitality Financial Management, the Cornell Hospitality Report and top finance journals including the Journal of Financial Economics, Review of Financial Studies, Journal of Financial and Quantitative Analysis, Journal of Financial Intermediation, International Review of Finance, Journal of Portfolio Management, and Journal of Financial Services Research.


The private coaching session will go a long in improving your business performance as you get the opportunity to intensively tackle your various organizational issues with one of the brightest minds in the industry. One-on-one coaching session with Mark Clayborne cost $100.00 per hour. Software users will be able to have access to over 30 private sessions held by Mark with various top companies in the industry. In this recorded sessions, you will be educated on a different vital functioning component of the credit repair business. These video sessions will improve the way you handle certain obstacle you’ll come across on your journey to become an expert in credit repairing. (All trainings are in video format).

Make your company indispensable to your client by offering them a holistic service not only in the correction of inaccurate information on their credit score but also educating them on how to raise their credit score, rebuild their credits and also prevent future occurrences of negative items on their credit report. As a professional in this industry, you should be able to know products in the market that will help your clients rebuild their credit and raise their credit score. This will make them indebted to you,and your company’s name will be the first thing that pops up in their mind when they’re in need of assistance with their credit scores. We have provided enough videos and resources in our software that will properly educate you on raising credit score and rebuilding credits. (All training are in video format).


There is more to the credit repair business than that which meets the eye. Running a credit business requires both experience and a perfect understanding of all aspects of the craft. Anyone with prior encounter or experience with credit repairing can start a credit repair business; the hitch comes with being successful at it. This success can only be achieved through a seasoned understanding of all functioning aspect of the business. Over the course of this 30 days free class, we will teach you step-by-step all that it takes to start a credit repair business and be successful at it. An email containing training and tips for every necessary information you need to acquire will be sent to you daily, consistently ensuring your progress and development in the understanding of what the credit repair business requires. All this at a very comprehensible baby step pace (email training).
Financial Management Course, also referred to as "debtor education", generally refers to the "instructional course in personal financial management" that an individual debtor must complete before a discharge is entered. This is a separate course, not to be confused with the pre-petition credit counseling requirement. While the credit counseling must take place before you file, the debtor education must take place after you file before the discharge can be entered.
Learn critical points of the CROA, the FCRA and the FACTA laws. The complete texts are included in the CCRS™ Independent Study Guide (ISG). Also learn what a credit report review/repairer is and what they do. Discover if your profession is among those on the list of who need CEUs available to those enrolling and completing this exciting and beneficial program. Are among the types of professionals who may benefit from the enhancement to your experience with the CCRS™ training? If you said yes, please read on.

Once you’ve filled out the form and requested reports from all three bureaus, you’ll fill out some security questions and be directed into your report, one agency at a time. If the security questions trip you up, the website will lock you out of your report, but it will offer a phone number that you can call to get your credit report via mail. If you get locked out, request the report via mail.


I was impressed with the listed content of the training course, for $59.00 I wasn't really expecting "THAT" much, in terms of the "Hows" and "Whys" of the Credit Repair Industry; I expected to have a brief "here it is, go out and do it!" kind of experience. This training is not dumbed down, and is easy to understand and retain. The use of video along with the text that accompanies each lesson is what I really liked about the course. Each lesson is linked to the next one, and the final exam, in a way, follows that pattern. It is not an easy pass, there is effort involved with it. I would recommend both the training academy lesson material and the training guide "The Ultimate Guide to Starting a Credit Repair Business" which is a free PDF copy of the paperback book, as tools that I will continually refer to. The private members-only forum is also a great resource too. All this for $59.00. Not bad. I'm going to follow the instructions in the course, I'm going to pull my credit reports, my wife will pull hers, and we are going to see what they look like. I look forward to applying what I've learned in the course to our own credit history, and then to the clients that I hope to get once I get things going.
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