Why are you able to get results when "credit repair" companies can't?
The answer is that they don't know what I know and they don't do what I do.
What "they" do...
You see, standard credit repair companies send letters to the creditors
(jamming) requesting verification of the debt. That company then legally
has 30 days to provide you proof of that debt or it has to be deleted.
80% of the time, they are able to send you proof of that debt within the
allowed 30 day time frame. This is NOT our method...
What I do...
I send legal letters to the credit bureaus. There are so many things
that need to be done compliance-wise and what we have found is that in
over 80% of the cases, they are not compliant. Corners are cut, "I's"
aren't dotted and "T's" aren't crossed. We have become experts on
pointing these things out and once we do, the negative item legally has
to be deleted from your credit report.
If you decide to hire a standard "credit repair" company, here is what you can expect:
Over 80% of the time the creditors will verify that you owe the debt.
Even if they do remove something, it may show back up in a few months.
They will charge you month after month until you give up after not seeing results
Your odds of having success with a "credit repair" company is less than 20%!
Its time to set your big
financial goals for the year and make a plan for achieving them.
Despite
the fact that an Allianz Life survey of more than 1,000 people in November found that getting in
shape is a bigger priority than improving finances for most people, 4 in 10
said they aimed to manage their money better in 2015. About a quarter of respondents said they
were more likely to get help from a financial professional in the coming year.
Paying off credit card debt, building up emergency savings and increasing
retirement savings were also among the common goals cited.
The relative health of the economy compared
to a year ago seems to have alleviated some of the pressure Americans feel
to set financial goals. A recent survey of more than 2,000 adults by Fidelity found a
decline in interest in setting money-related financial resolutions for the new
year. Just 31 percent of respondents said they were making a
financial resolution, compared to 43 percent in 2014. The most popular
financial goals included saving more (55 percent), paying off debt (20
percent) and spending less (17 percent).
The Fidelity survey also found a correlation
between expressing a financial goal and improving
one’s financial life: About half of those who made a money resolution last
year said they are now “better off financially," compared to just 38 percent of
those who didn’t set one.
According to Carrie Schwab-Pomerantz,
president of the Charles Schwab Foundation, one of the biggest barriers to
meeting financial goals is that people just don’t
know how to get started. In Charles Schwab’s Fall Financial Pulse survey of 1,466
adults ages 25 to 65, more than half said they “don’t feel
they are on top of their finances,” and 27 percent said they “don’t know where to
start and need more education or information.” In addition, 15 percent said
they didn’t want to deal with their finances because it’s “too overwhelming.”
If you fall into that category, then you
might also want to consider the research of Christine Whelan, a faculty
associate in the Department of Consumer Science at the University of
Wisconsin--Madison and self-improvement expert. She developed two
self-improvement programs for AARP’s Life Reimagined website that help people
prioritize their goals and define the next steps for achieving them.
Her
research has also found the importance
of not just setting a resolution, but making sure the goals you set
resonate with your values and priorities, and not outside influences.
Meeting those goals also requires high levels of self-control, which
gets stronger
with practice, she says.
Time to set some financial goals for the new year and develop a plan of action to achieve them. A small bit of forward progress goes a LONG way in a year.
With the advent of a new year brings an optimistic look at the greatness of things to come.
I have refined my focus from the 2014 campaign of do whatever you can to my new outlook of 2015 to HELP as many people as I can. I am utilizing my talents in a far greater way and expect great things from Camp Capra.
The most predominant change will be Reverend Zesty (http://revzesty.blogspot.com/), Intellectual Coitus (http://intellectualcoitus.blogspot.com/) and The Provenance Project (https://www.facebook.com/pages/The-Provenance-Project/415417865280714?ref=hl).
Reverend Zesty is a foul mouth, agnostic preacher who uses Intellectual Coitus (a podcast) to deliver a message from the pulpit unlike any other. It isnt about whose god has the bigger dick. I dont give a shit about that. I preach and teach a message of prosperity using all available resources both secular and religious.
The Provenance Project is an endeavor to gather up resources from across the nation serving people in need at a local, community and national level. Tackling issues like homelessness, hunger and personal finance to name a few, The Provenance Project is my way of giving back to a world that has given me great things and taught me much.
So stay with me and give my message a try. See if it makes the most sense to you and be a disciple. Together we can AND WILL change the world.
