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.
Credit scoring is a system creditors use to help determine whether to
give you credit. It also may be used to help decide the terms you are
offered or the rate you will pay for the loan.
Information about
you and your credit experiences, like your bill-paying history, the
number and type of accounts you have, whether you pay your bills by the
date they’re due, collection actions, outstanding debt, and the age of
your accounts, is collected from your credit report. Using a statistical
program, creditors compare this information to the loan repayment
history of consumers with similar profiles. For example, a credit
scoring system awards points for each factor that helps predict who is
most likely to repay a debt. A total number of points — a credit score —
helps predict how creditworthy you are: how likely it is that you will
repay a loan and make the payments when they’re due.
Some
insurance companies also use credit report information, along with other
factors, to help predict your likelihood of filing an insurance claim
and the amount of the claim. They may consider this information when
they decide whether to grant you insurance and the amount of the premium
they charge. The credit scores insurance companies use sometimes are
called “insurance scores” or “credit-based insurance scores.”
Your
credit report is a key part of many credit scoring systems. That’s why
it is critical to make sure your credit report is accurate. Federal law
gives you the right to get a free copy of your credit reports from each
of the three national credit reporting companies once every 12 months.
The
Fair Credit Reporting Act (FCRA) also gives you the right to get your
credit score from the national credit reporting companies. They are
allowed to charge a reasonable fee for the score. When you buy your
score, you often get information on how you can improve it.
Although being rich does have its price, I want to address the price one pays by choosing the path society tells you to take. The path that keeps people just poor enough just to have the illusion of security. The path that takes you through (maybe) college and to find a job. The path that a vast majority of people take.
And the reason the vast majority of people are miserable and poor.
What price does choosing this path cost? I would have to say; your freedom mostly. Freedom to live the life you want. The life of your dreams. As children we all had our dreams of what we wanted to be when we grew up. But somewhere along the line we were subtly convinced that life didn't matter any longer. What mattered was the false security of our parents and what society tell you. Our dreams have died.
So why on earth would you actually choose a path of slavery to a job that you hate and a life that falls short of your dreams? Why would you choose a path of constant struggle and worry? Why have you demonized money simply because you have none? Shouldn't you more be demonizing your educational choices that didn't teach you about how to use money as a tool. A tool that, once learned, will break those financial chains that bind you to your boss that treats you like shit. You all have them dont lie. Every person I know that has a job and a boss does nothing but piss and moan about them.
Why would you want to have such misery in your life?
Im addressing this article to myself just as much as to the reader. I too need to adjust my perception about things in my life - money included - because I KNOW I want more in life than I have. So do you my dear reader. I hope this churned up some feelings within your gut. That proves that you're alive and there is still hope for folks like us.
Its time to change our perceptions about things. Things that REALLY matter to us. To ignore the distractions and truly focus on what we want our lives to be like. Dare to dream the dreams of our youth once again. What do you really want? Remove all limiting beliefs and just dream about what you want, who you want to be and how you really want to live. It ALL has a price, just as the choices you have made until now have.
EVERYTHING has a price. Figure out what you want and what price it comes with. Then just figure out how to pay that price.
There comes a time in a persons life when they have an epiphany where they realize that everything is going to work itself out fine in line with the direction you have in your mind. A feeling of self confidence and clarity that is almost overwhelming starts to overtake you. You start to get excited like you haven't been in years.
That's where I'm at now. The voices in my head seem to be in tune with one another to the point where I have that "but of course" revelation. It's so simple why didn't I see it before. It's these types of things that make me believe that we put things together when we sleep. Our brains are going 24/7 and we might access the solutions to once perplexing issues if we just become aware.
2015 is going to be awesome. The last couple of years have been life changing and it seems that things are going in a positive direction. I will spend the next couple of weeks reflecting on things accomplished and planning my wants, needs and desires to be attained in the coming year. This ones gonna be epic!
Listening to your gut feelings or your instincts can help you achieve any outcome desired in life. All you got to do is PAY ATTENTION!
I hope to get to know you dear reader. As you get to know me. Please share this with others in your life who you think might enjoy this blog. In 2015 I am taking it to a new level and would appreciate any feedback.
