• 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.

Having a strong internet presence in the credit repair business is not an option, it is a necessity. This is like an online shop where you get to display your services for the world to see. Not having a credit repair business website is like cutting the chances of the world knowing about you and your business short. Most credit business owner makes the grave mistake of taking this vital step last after getting all other products in place. This is the exact opposite of what should be done if you want to let the world out there know about your business and make some serious profits. In the section dedicated to website setup on the software, we have carefully explained how and why you should have your website setup first amongst all other things required. (All trainings are in video format).
While much of the DIY credit repair information available out there can be helpful, the sheer volume can feel overwhelming — not to mention being sure you’re getting the right information. That’s why we’ve put together this short tutorial outlining three easy ways you can fix your credit problems. As with every endeavor, educating yourself on the options available is the crucial first step.

Access to credit and loans may come easier than you expect, but that should also be a danger sign. There are several lenders who are willing to provide lines of credits or loans to people with poor credit. These options are often very predatory. If you’re simply trying to rebuild your credit history and improve your credit score, then there is no need to take this offers. If you’re in desperate need of a line of credit for an emergency, but have bad credit, please email us at info@magnifymoney.com for a tailored response.
If you see missed payments that shouldn’t have been there, write it down. Your credit score is negatively impacted when you are 30 days or more past due. If you see a balance on a card that you haven’t used in years, it could be because the account has been stolen. Misinformation in the accounts section harms your credit score, so make a note of all incorrect information.
This short course is only about half a day long to view and it was designed with easy to understand language so anyone from any walk of life can successfully achieve their goals. Provided will be some forms to help you with your credit target as well as support. As a reminder, you will never share any personal information with anyone! It is completely anonymous.
For instance, your credit reports will list a mortgage loan that you are still paying off as open, including the loan’s current balance, the date you took out the loan and the lender behind the loan. Reports will also list whether you have any late or missed payments on this loan and will list whether the loan is open — meaning you are still paying it off; closed — you’ve finishing paying off the mortgage; or in foreclosure.
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.
This course was awesome!! Very easy to follow, very informative, and most of all it has a step-by-step guideline on HOW to start your own credit repair business! I highly recommend this course! I had very little knowledge of the credit industry, but now I feel like an expert. Thank you so much for the creation of this course and especially for the tools you have available to help me start and run my own credit repair company. Much love!! 

Six videos that will cover everything you need to understand and repair your credit “What credit repair is and how it works”, “Obtaining and understanding your credit reports and scores”, “How to dispute with the credit Bureaus”, “Identity theft disputes and fraud alerts”, “Pay to delete process and strategy (debt negotiation)”, and “legal liabilities, statute of limitations, and advanced dispute tactics”. (All videos available immediately)
Write a letter to the specific credit reporting agency that shows the falsehood, whether it is Experian, Equifax, or TransUnion. Explain the mistake and include a copy of the highlighted report along with your documentation. Although certain bureaus now let you submit disputes online, it’s not a bad idea to send this letter by certified mail, and keep a copy for yourself. The reporting agency has 30 days from the receipt of your letter to respond. The Federal Trade Commission provides advice on contacting the credit bureaus about discrepancies. Here are the contact numbers and web sites for the three credit bureaus:
In this section, you will learn how to read a credit report. At the end of this video, you will know how to determine if the accounts listed on your report belong to you, view any accounts that went bad, any legitimate derogatory accounts, how to contact each company that reports to your credit report, and how to see if your actual identity was stolen, not just your credit card number.
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.
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).
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.

Have you tried to dispute items on your credit report that you feel shouldn’t be on there anymore but the credit bureaus won’t remove them? Most people don’t know this but the credit bureaus have a computer system called e-OSCAR they use to handle all disputes which makes the process of having items removed from your credit report very challenging.
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.

Do not close your secured card until you are approved for a new credit card. Once you are approved for your new credit card, call the bank that issued your secured card. Tell them that you are going to close the account unless they convert you to a secured card. It is always worthwhile trying to get the conversion, and here you will be making a threat that you will keep. Because, if they don’t convert your card, you will close it. That means you will likely end up in retention unit. 

The Discover it® Secured is a standout secured card that provides cardholders the opportunity to earn cash back while building credit. A cashback program is hard to find with secured cards, and the Discover it® Secured offers 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases. In addition, there is a new cardmember offer where Discover will match ALL the cash back earned at the end of your first year, automatically. This is a great way to get a lot of rewards without needing to do any extra work.In addition to a cashback program, this card provides valuable credit resources such as free access to your FICO® Score and a Credit Resource Center — just note these services are available whether you’re a cardholder or not. Discover also takes the guesswork out of wondering when you’re ready for an unsecured card (aka a regular credit card) by performing automatic monthly account reviews, starting at eight months of card membership.
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).

Functionally the same as the much more expensive Professional Edition, the Credit Detailer for home users is a powerful credit repair tool. It contains information on credit repair regulations and consumer rights, and is designed for both effective credit repair and educational opportunity. Simple, automated and customizable, Credit Detailer is worth checking out.
Full disclosure: credit repair companies don’t do anything that you can’t do on your own. But they usually do it better than what you can do on your own. Legitimate credit repair companies have state-licensed attorneys and experience making disputes. They know how to make disputes to get results. So, working with a professional repair service often means more mistakes corrected and a bigger boost to your credit score.
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