Exposing the Truth: Credit Bureau Response Process Pre-Corona

I can't tell you how many times this week (200+) I was asked about whether the credit bureaus still have 30 days to respond and the answer to this is no. The credit bureaus have an additional 15 days that they can take by law because of the pandemic and I can guarantee you they're going to. They're automation computers can only process so many letters - anything after that will get a verified response OR a stall tactic response.

I'll go more into this at a later time but that should get your brain ticking!

here's the link to the new beginner's guide if you need help figuring out how to dispute negative items on your credit report: https://app.paycartpro.com/co/guide

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Tips for my brokers; Craigslist, Facebook, websites, advertising and more!

I work 90% with brokers, 10% with clients, and I actually prefer to work with brokers, as I have contact with only one person instead of 300 clients. So considering there are 528 of you brokers, I figured that I would post some tips and tricks for my brokers. I will break it down into sections to make it easier reading, and if you have any questions, comments or suggestions, let me know! Advertising Advertising can be a serious pain in the butt, and it is utterly necessary for a business like this one. I will give you a couple of suggestions that work for me. I am mostly just word of mouth now and do not need to advertise, as I have thousands of clients, but there are days when I do put my business out there again for new clients. Craigslist It is quite difficult to advertise with CL now, but there are tons of ways to get around being flagged or to prevent it from happening. CL is the 4th most visited site in the world , so that right there should tell you that you need...

3 Resons why you should wait to apply for new credit

Applying for new credit before all derogatory items are deleted: My advice to my clients is always the same: wait until you're done with your credit repair or credit sweep program, but have a strategy to move forward from there. Here's a few reasons why: #1 you may be denied if you still have 1-2 items remaning and will end up with new inquiries that will drop your score #2 it may hinder the process of removing the last few items and can add 1-3 months to the timeframe #3 you may be approved with a very low limit and would have to wait 3-5 months prior to requesting an increase. In comparison, you can wait til everything has been completed and obtain a higher limit right off the bat. Here's a real-life example: I have a client would only has 4/86 negative items remaining and he wanted to move forward with his mortgage. I advised him to wait because (see #1) it would add inquiries and he may not be approved. He'd mentioned tha...

How to Fight "Verified", "Frivilous" & will not reinvestigate" Responses

https://www.expertcreditsweeps.com/book-online to schedule your free consultation! Are your disputes coming back as verified, frivilous or they won't reinvestigate? Are you going to accept stall tactics, scare tactics and denials? NO! What you need to do is look at your credit repair or credit sweep process and figure out the cause for these responses because you shouldn't be receiving them if you're doing this correctly! Are you sending in template letters? Disputing all of your derogatory accounts in 1 letter? Using generic dispute reasons? Using a credit repair company that's doing any of these things? One of these can be the reason you're encountering this and you need to stop right now. What can you do? #1 Don't use dispute templates #2 Dispute based off factual info from your credit report #3 Find out HOW the items are being "verified" #4 Fight them on the "frivilous" response #5 Make complaints #6 Don't take "NO...

Queen of Credit

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