Credit Builder Secrets - The 700 Club€¦ · Credit Builder Secrets shared in this book, you must be ALL in. Kind of wanting it isn’t enough. To be ALL in includes you acquiring

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Credit Builder Secrets 6 Secrets to Improve Your Credit Score Up to 200 Points

JASON WHITE

Copyright © 2018 by Jason White

All rights reserved. This book or any portion thereof may not be reproduced or used in any manner whatsoever without the express written permission of the publisher except for the use of brief quotations in a book review or scholarly journal.

First Printing: 2018

ISBN 978-1-387-48461-4

Witness Riches, LLC 6049 Renaissance Place, STE E, Toledo, OH, 43623

www.the700clubcreditrepair.com

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6 Proven Ways to Boost Your

Credit Score 100 Points or More!

Who would’ve ever thought that a boy who was held back in the first grade would one day become an author? I know who, my grandma Jennie for sure.

I often tell stories and joke about my childhood living with my grandma Jennie, how hard it was, and how she would wake us up at crazy times in the morning to finish our chores before leaving for school. But, what I’ve failed to share about her was how much she believed in me.

Whenever she had a chance to put my siblings and I into an after school program, church play, or community event - she did. When we were bored, she made us pick up a book. Even though I stared at half of those books, the other half I actually read because she had a special interest in my success and literally forced me to read. Or, it was a shoe or telephone flying at my head for not listening. She had great aim.

All jokes aside, I’m grateful for her. Grandma Jennie, if you are reading this book right now, I want you to know that you’re hard work has paid off. Thank you for staying on top of me and never allowing me to settle for just being average.

Every achievement of mine growing up, you told the world before it was actually done. I didn’t quite understand then, but I do now. You believed in me that much. This is just something else you can brag to your friends about. Thank you for everything.

I dedicate this book to you.

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Contents

Chapter 1: Do You Need Credit Builder Secrets?

Chapter 2: Never Settle for Less

Chapter 3: Power in a Credit Score

Chapter 4: My First “Conscience” Credit Decision

Chapter 5: Why is Your Credit So Bad?

Chapter 6: What’s Credit You Ask?

Chapter 7: Credit Builder Secret #1


Chapter 9: Credit Builder Secret #3 Chapter 10: Credit Builder Secret #4



Chapter 13: This is Key

Chapter 14: Greater Things Are

Bonus: Do You Need Credit Repair?

About the Author

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Chapter 1

Do you need Credit Builder Secrets?

Walking into a dealership and leaving

without the car you want because you don’t have

enough credit history, sucks. Being denied a line of

credit because your credit score doesn’t meet their

minimum requirement, also sucks. The feeling of

being unwanted doesn’t feel good at all and when

people suffer the consequences of a poor credit

score or not having enough credit history, that

leaves them feeling hopeless as well. But even

though it may seem like a never ending road of

denial, it’s not. I’ve come across many people who

are looking for a better way, and a more reliable

resource for improving their odds of approval. This

is one thing that I love about the human race !9

because no matter how difficult it seems to

penetrate progress in life, hope is never lost.

History has proven time and time again that

anything is possible, especially improving your

credit

score. The issue up until this point is actually

finding that reliable resource to make that a reality.

What I’ve found is that majority of the people who

have good credit fail to realize why they have good

credit. They tend to believe the reason for their

good credit score is due to just paying their bills on

time and often to be the go to advice to credit

building. But, the issue is just paying your bills on

time doesn’t count it. And if you’ve ever taken that

advice in the past, you’ve found that it doesn’t

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work. I’ll share more about why that tactic isn’t

enough later on in the book. For this reason is why

I’ve decided to do something about it. By the end of

this book, you’ll have learn what it takes to not only

improve, but maintain your credit score with long-

term results.

Since 2013, I’ve helped tens of thousands of

people improve their credit scores using the Credit

Builder Secrets I’m going to share with you in this

book. Here, you’ll learn that in order to build great

credit, you must learn to strategically influence its

components to work at your advantage. In order to

do this, you must understand exactly which areas of

your credit deserve your full attention. That’s where

I come in.

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The information given in this book is the

difference maker to understanding how to

significantly build your credit history and massively

improve credit scores. As you continue to read over

the information in this book, I’ll be revealing to you

the secrets that credit bureaus would rather me

keep to myself and subprime lenders would

probably pay a pretty penny for me not to publish.

The Credit Builder Secrets shared in this book will

put you on a gradual and consistent path for

continued success with your credit and finances.

Reading this information will provide you with the

knowledge you need to improve your

creditworthiness. However, actions are the only

requirement necessary to actually have massive

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changes with each of your credit scores. So, make

sure you take good notes and put my suggestions

into play as soon as your creditworthiness allows

you to.

Sound like you?

This is not only a guide for individuals with

derogatory info on their credit reports, but also for

people with little to no credit who need help

building their scores (that way they can benefit

from good credit too). The Credit Builder Secrets

that I’m going to share with you are for people who

are looking for ways to improve their credit score

outside of just removing derogatory information

from their credit report. Your credit report can

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range from late payments and charge offs, to

judgments and tax lien. But, regardless of what kind

of derogatory information is listed on your credit

reports, these secrets will help. This is also for

people who have used credit before, but lack

enough history to establish a credit score. If you

desperately want to improve your credit scores, this

is the book for you.

It's very critical to your success that you are

doing everything within your power to ensure that

your credit scores improve. What I’m going to share

in this book goes against the grain. There's a very

powerful tool that's often misrepresented and

under-appreciated when it comes to credit building

that will be shared in this book. By the end of this

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book, you will learn how important it is to improve

your credit and will gain an advantage that many

refuse to accept in order to greatly boost your

credit. This advantage that I’m speaking off could

be the very difference with your credit score

improving or it staying the same if you decide to

ignore my advice. You’re about to learn exactly

what it takes to achieve financial success. So if you

fit the previous descriptions, you need to keep

reading.

Stop reading if…

If you already have a steady 700 credit score,

you’re obviously already doing what it takes. Don’t

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waste your time, put this book down or give it to

someone who dreams of a 700 credit score.

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Chapter 2

Never settle for less

I have a personal mantra that I like to live by

that has helped me take my life to another level and

I believe it will help you reach another level as well.

I’ll share that mindset with you soon, but first let

me share with you why I feel it’s necessary.

One thing that I really believe is that we all

should do our very best to improve our financial

matters. Our financial success can be the

determining factor on how much of an impact we

can have on our family and community. Despite

how uncomfortable the topic of money may make

you, the reality is that money plays a vital role in

our society and deserves to be discussed as such.

Never be ashamed to address your financial !18

matters. The more wealth you have, the more you

can do for others.

Before I go any further, let me say that this

book is not about money, it’s about credit. However,

since your credit has a direct impact on your

financial matters, your credit standing does need to

be in great condition. With that being said, I feel it’s

critical to your success for you to handle yourself in

the correct manner from this point in order to

almost guarantee your success. That means gaining

the right mindset. So, let’s discuss the kind of

mindset that I’m very fond of.

How you think about money pretty much

governs your financial success. You’re already on

the right track by wanting to improve your credit,

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but in order to be successful at implementing the

Credit Builder Secrets shared in this book, you must

be ALL in. Kind of wanting it isn’t enough. To be

ALL in includes you acquiring the mindset of the

Dough Chaser. When our clients become members

of our program, my complete focus is to share

information with them that will help them

transform the way they think about finances so

they can transition into a more fulfilled financial

life. The basis of being a Dough Chaser, is of course

chasing money, which is important because your

financial well-being totally depends on your ability

to gain more. Otherwise, you’ll remain where you

are, which means money has been lost due to

inflation, but that’s another topic so I’ll leave it at

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that for now. Anyway, having the Dough Chaser

mindset is not just about chasing money, though.

It's more about preparing yourself mentally for

constant improvement of financial components

that have a direct impact on your standard of living.

Having that kind of mindset will enable you to

continue to improve your life and the lives of those

around you. But for that to happen in reality, it

must first occur mentally. Preparing yourself

mentally allows you to be more focused and targets

your actions on solidifying your financial

foundation because ultimately what you think is

what you become. And if your constantly seeking

the improvement of the financial components that

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impact your standard of living, that’s what you’ll

get - constant improvement.

So, as you continue to improve your financial

foundation, like working on your credit, real

financial success is inevitable. Your credit is the

paint, financial success is the bigger picture. That’s

what being a Dough Chaser is all about - obtaining

financial success. So, as we embark on this journey

to improving your credit score, keep in mind that

you are also improving your odds for more financial

success in your life. It’s important that you remain

on this path after you complete this book. Continue

to chase your dreams and make them a reality.

There are major benefits of having good credit, your

family and community are depending on it. Never

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fall victim to complacency and always strive for

more. Be a Dough Chaser, never settle.

Use my vision and see what I see We all tend to look at situations a little

differently. Everything is about perspective, right?.

That’s the beautiful thing about life. What else

tends to be unique to each individual? Their level of

success. Which can also be an ugly thing about life

if your perspective does NOT create the results you

want. When it comes to credit, your perspective can

be the deciding factor of your success or lack

thereof. I want you to be successful. So, do me a

favor. As you read this book, please keep in mind

that your actions are only a reflection of how you

think and up until this point, your perspective !23

hasn’t created the best credit score. To better your

odds, what I want for you to do right now is put

your perspective away. This is important because

your current perspective about credit can be a

hindrance to your success if you’re not fully

receptive to the information that is shared.

From my experience, the average person often

gets in their own way because they deny new

information that challenges they’re current way of

thinking; and since think they know it all in the

first place, they refuse the new possibilities. Don’t

settle for average because you think you know it all.

You don’t. Instead, read with an open mind and

make sure you take good notes because what’s

going to be shared in this book will be life changing

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for the one that implements its ideas. It’s hard to

implement what you first encounter. Knowing this,

take notes so you have the ability to come back to

the key points shared. I want to help you really

improve your credit score, but that can only happen

if you look at credit the way that I do - please use

my perspective. I’ve helped thousands transcend

beyond barriers to a better credit score. My

methods work, put your perspective aside and allow

my vision to work for you too.

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Chapter 3

Power in a credit score

Every day people acquire things using their

past payment history as collateral to pay off the

balance plus interest over time. This kind of

transaction is called leveraging your credit score.

It’s how people obtain things that would have been

nearly impossible to acquire since they did not

actually have the liquid wealth available to make

big purchases using cash. The beautiful thing about

the possibility of leveraging your credit is that the

opportunity to do so is available to everyone

regardless of race, gender, religion, ideologies, etc.

This alone is why credit is power; it gives you the

ability to take advantage of opportunities that will

results in a higher standard of living for yourself

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based off of your past & present ability to pay your

obligations overtime instead of at once.

So, what’s the issue? The issue with the opportunity of leveraging

credit is that many people fail to learn how to, or

they fail to realize credit can be used as a weapon

agains their oppressors. In my opinion, this is one

of the huge problems with our society. We are often

thrown into pits and given tools despite never

gaining the proper knowledge on how to use the

tools provided, so we can have a fighting chance to

win at this aggressive game. Instead, we blindly

assume that the tools available to us are here to

help us without giving any effort on our part to

truly understand them. Due to our lack of effort, we !28

foolishly use these tools, ultimately aiding our

oppressors in defeating us due to our lack of

understanding. We don’t even know when we’re

getting a bad deal. From my experience, people

often don’t recognize what a bad deal is until they

come into contact with someone who has the same

thing as them, but spent way less to get it. Though,

this is very sad and unfortunate, it’s just as much

our fault as it is those who take advantage of our

laziness. I refuse to hoard my knowledge and watch

you walk into a slaughterhouse. In this book, I’m

going to share with you Credit Builder Secrets so

you can take your power back through acquiring a

good credit score.

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Throughout this experience, I will also teach

you what credit is, how it works, how it’s used

against you, and 6 easy to implement Credit Builder

Secrets you NEED to know in order to obtain your

credit power. The knowledge you’ll gain from this

book will give you an advantage your oppressors

would hate for you to have. Why? Well, with your

newly acquired knowledge, they will no longer be

able to take advantage of you. So, it’s important for

you to put each of the secrets that I share with you

to action as soon as humanly possible. As you begin

to see your score increase because of these ideas

and strategies, you will also see how more

opportunities open up to you. With good credit, the

world will be at your feet.

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Chapter 4

My first “conscience” credit decision

It was the winter of 2012, early January I

believe. I was driving about 50 mph on an icy

freeway listening to the radio as I bobbed my head

back and forth. Traffic was slow, but not me. I had

places to go, people to see and money to make -

well, at least I though so. Ambitiously, I went

slightly 5 mph faster than the already slowed

traffic. It was just me, my thoughts and my ride.

Then out of nowhere, I LOST IT! My car began to

slide uncontrollably and all I could think of at that

moment was to pray to God and ask that he get me

out of this chaotic situation safely without any

harm to myself and my ride. But, of course, Gods

plan was slightly different than mine. All I heard !32

next was “BOOM! BOW!” I crashed into a railing

and was suddenly facing oncoming traffic as a

semi-truck approached me head on. I swear, it was

God’s grace at that moment because the truck

slightly smacked the back of my car.

Let me thank God again, “thank you God!” Okay,

back to the story... My ride was completely totaled.

Once I made it home, I had to get it together

after having a near death experience because life

must go on. I was faced with a very interesting

predicament at that time. I had no car and was

totally dependent on a 100% commissioned sales

job. So, my ability to meet with clients was basically

life or death (at least that’s how I thought about it).

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I adored my now totaled car, but it was time to

move on and get another vehicle to call my “new”

ride. After only 3-4 hours of frantically searching

for a vehicle, I found a dealership that was “willing”

to work with me. Ladies and gentlemen, at this very

moment my life changed forever.

Side note: My real first experience with credit was

in 2007 after applying for Financial Aid for college.

Plus, I opened several credit cards as well during my

4 year college experience. But, I had no idea that

credit played a part. I thought it was just something

that was given to you when you decided to attend

college. Of course, I was horribly wrong. But, this

shows how uninformed I actually was. Can you

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relate? Do you remember your first experience with

credit and how uninformed you were?

Okay, here’s the whole story

The car dealer asked me how much I could

afford on a monthly payment. Without even looking

over my finances, I replied “About 3 to 4 hundred.”

Budgeting and analyzing my financial situation was

non-existent at this point in my life and he surely

took advantage of that.

He said great, ”I think we can find you

something within that ballpark.” Of course, I was

overjoyed! I never would have imagined buying a

new car would be this easy! Especially with my

current circumstance. He showed me the few cars

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they had on the lot that “fit within my monthly

budget” (sarcastically) and I instantly fell in love

with her - I remember it like it was yesterday. She

was a pearly white 2003 Cadillac Seville with shiny

rims and a CD player (the cutest out of the 4 cars

available to me) and that’s all I needed. I said,

“That’s the one right there.”

We then went into the back so he could “talk

with his manager” and we filled out paperwork

shortly thereafter. Little did I know, they were going

to ask me for a down payment of $1,000 (which I

had to borrow) and they also needed to do a credit

check. “What’s your credit score,” he asked me. I

had no idea and replied, “About average..” Whatever

that meant, but I said it with confidence. He pulled

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my credit and shared with me that my score was a

low 500. Not understanding what that meant, I

pushed the car salesman to basically hurry up and

tell me what my options were. That’s how

ignorantly urgent I was. He told me for the Cadillac

Seville (sticker price roughly $12,000) they could

get me in it at $350 monthly for 60 months.

Happily, I accepted because it met my monthly

budget and sounded like a reasonable deal. I left the

lot with my new ride.

What I eventually learned? Just because you

can afford it, does NOT make it a good deal.

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How I got played

Okay, so peep this out. Due to my ignorance, I

set myself up to pay almost double the actual worth

of the car just because I felt the world would end

without transportation I had no idea what I was

doing. Looking at the math, over the next 5 years I

would end up paying $21,000 for a $12,000 car. If

you didn’t catch that math, $12,000 would be paid

for the car and $9,000 in interest payments. That’s

so sad. But, that’s what bad credit will get you;

paying 2 cars notes for just 1 car. But, if I had a good

credit score; I would’ve been set up to not pay no

more than $1,000 in interest payments with a

monthly payment under $225 at 60 months. This

particular situation is one that millions of people !38

across America also find themselves in far too

often.

Remind you of yourself?

There are so many people falling victim to

this reality that don’t have to. Maybe you’ve

experienced this same scenario. Maybe you’ve been

suckered into something worse. Even if this is your

history, it doesn’t mean that that’s how your story

ends. This was the same catalyst that got me to

where I am today, teaching and helping others

improve their credit and finances. I’m going to

share with you what I’ve learned over the years to

help you change the dynamic of your future. The

information and Credit Builder Secrets that I’ll be !39

sharing in this book are going to give you a real

understanding of how credit works and will help

you improve your credit so you never have to suffer

from bad credit ever again. Let’s go!

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Chapter 5

Why is your credit so bad?

So, I’ve talked a lot about some of the issues

with having bad credit, but now I’d like to discuss

why your credit is so bad in the first place and how

it’s nearly impossible improve on it’s own. First,

let’s start off by admitting that in the past you’ve

made some mistakes and you’ve owned up to them.

However, just because you’ve made mistakes in the

past doesn’t mean they should hurt your ability to

progress in the future. My fantasy in this case is

that you contact the creditor, make arrangements

to fix the issue and get on with life without having

to suffer from the derogatory mark anymore.

Unfortunately, it doesn’t work like that. Instead,

you make an arrangement and the derogatory mark !42

remains, which means it still has a great negative

impact on your credit score. Why is that? Because

credit bureaus profit more when your credit is bad.

They also indirectly shun businesses for removing

derogatory marks out of good faith. It’s not a

conspiracy theory. It’s their business model. Let me

break this down for you from the very beginning of

the food chain.

When you think about the credit industry and

how money is made, realize that some of their

largest gains comes through taking advantage of

consumers’ ignorance. Yes, it’s through your

ignorance that so many businesses end up making

major bucks. Let me explain.

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Have you ever heard of subprime lenders?

These are lenders who provide loans and lines of

credit to people who have bad credit, but at a high

price. The people who fit their targeting criteria pay

these companies a lot of late fees and interest

payments. This particular group profits BILLIONS

of dollars off of consumers who have bad credit;

and the reason they thrive so much greatly is

because they’ve partnered with private

organizations who’ve strategically increased the

odds of you and I having bad credit. If you’re able

to connect the dots, you’ve concluded that the

mysterious private organizations that I mentioned

are indeed credit bureaus (mind blows).

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Let’s talk about these “partners” of subprime

lenders. You may be thinking right now that it

doesn’t make sense for credit bureaus to be

partnered with subprime lenders. Aren’t they a part

of the government? No, they are actually privately

owned companies who have a huge interest in you

having bad credit. Credit bureaus are institutions

that gain information about you from their clients.

Their highest paying client are companies that use

that information about you. So in case you thought

that credit bureaus were here to serve you, let me

clarify; you are NOT their main priority. The main

purpose of credit bureaus is to provide information

about our behaviors to businesses that gain from

knowing. The more information they can provide

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about you, the better odds of them staying in

business. But, since lending institutions make more

money off of late fees and higher interest rates,

wouldn’t it make sense for the provider of the

information that dictates their credit worthiness to

set it up where their true client benefits? More

simply put, it makes a lot of sense for credit bureaus

to increase the odds of derogatory information to

hit your credit report and make it hard for it to be

removed. About 75% of credit reports have

inaccurate information. So, 3 out of 4 people are

suffering from credit bureaus erroneously reporting

information on their credit report that’s hurting

their credit. Do you see how this is going full circle?

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So, the credit bureaus acquire information

regarding our payment history and sell it to lenders

(their true clients) who use it to capitalize off of us

(the consumer). Here’s how they do it. Credit

calculating organizations uses information shared

by the credit bureaus to assess how much of a risk

you are through a credit score, which is ultimately

shared with the lender. The lender now uses that

score to decide whether or not you qualify and at

what interest rate. Credit bureaus allow erroneous

derogatory information to hit our credit reports,

which corners us into the subprime market due to

our worse credit score. Is that coincidence? I don’t

think so.

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The biggest point I want you to take away

from this section of the book is credit bureaus are

not worried about you, they are worried about

keeping their true clients (businesses) happy and

they will do everything within their power to help

them more. Even if it victimizes you.

Diving a little deeper

I briefly covered credit scores in the previous

section, but lets dive a little deeper into that topic

because it too plays a major role. The information

that bureaus acquire from lenders regarding your

payment history is computed using mathematical

algorithms to predict future consumer behavior.

Again, the bureaus job is to just provide data since

they are an information company. Your credit !48

scores are actually computed through organizations

that specialize in analyzing the data provided by

the credit bureaus and then relaying those findings

in the form of a numerical number which reflects

your credit worthiness. You’ve probably believed up

until this point that credit bureaus were also in

control of computing your credit score, but as you

can see that’s not the case. They just hold the

information that influences your score, which you’ll

learn is most important. Anyway, the publicly

accessible information that shares how a credit

score is made up is very vague. Therefore, it’s nearly

impossible to dictate exactly how much of an

impact the different kind of information reported

about you can actually have on your credit scores.

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However, we as the public are provided the

components of a credit score so we can at least try

to influence its growth, it’s just that no one knows

how deeply each component is influenced by

particular information because the source is

patented and kept private. It kind of reminds me of

the family secret recipe that everyone loves, but

your grandma won’t share the actual ingredients to

the recipe but won’t tell anyone because she’s

afraid that sharing them may change her

importance to its’ tradition. At this point, since the

recipe is kept a secret, grandma obviously doesn’t

want anyone to have it, right? This is ultimately

what credit score computing organizations are

trying to accomplish as well. And for this reason,

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they are the giant forces holding you bound to the

bad credit struggle.

Another thing about credit score computing

organizations, they provide many different credit

scores which makes it hard for consumers to figure

out which one to focus on (and what to do to

improve it since that information isn’t fully

provided). Yes, there are many different credit

scores for different kind of purchases. If you’re

looking to purchase a home, there are different

credit scores for that. If you’re looking to buy a new

car, there are different credit scores for that as well.

If you’re looking to obtain a credit card, there are

also different credit scores to determine your credit

worthiness for that. The list goes on. This is another

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problem because if you were to assess bad credit by

simply judging a credit score, it’s nearly impossible

to figure out where you really stand because what

one score reflects doesn’t necessarily mean another

one will. Plus, popular algorithms range across the

board and since there’s so much competition

between these providers, they protect their

competitive advantage through patenting their

formulas to prevent duplication and remodeling.

Basically, this means that they’re not going to share

the exact breakdown of their algorithms with

anyone.

But the good news is that they do share with

us basic components of your credit score and the

projected impact percentage each one has on our

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scores. Again, they do not provide the full

breakdown of what information is used in each

component and how much that information in each

component affects the total percentage. But, this is

what we have to work with and what we must do is

our try to gain some kind of advantage using the

very small amount of information provided to the

public. Here’s even better news. Since your credit

scores are only a reflection of what’s shared on your

credit reports, instead of focusing on your credit

score, placing your focus on the content of your

credit report will ultimately result in a better credit

score. This is key because as your credit report

improves, so will all of your credit scores.

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You have my permission to use me

Shortly after financing my first car, shit hit

the fan like never before. My job was 100%

commissioned and I failed to make sales for 3

months straight. Okay, let me restate that. I made

sales, but every time a sale was made there was also

a chargeback on the life insurance policies that I

recently sold. So, even though I was working my ass

off, my hard work was in vain because my clients

were also struggling to pay their bills or they simply

sucked - I choose the former predicament. The

reflection of that in my life meant rent was unpaid,

which almost got us evicted, but thanks to my

mother in law, she fronted us some money that

really helped us. Thanks Mamita. Also, my car note !54

was unpaid and it got repossessed (at work), that

was so embarrassing. All of our bills were

delinquent, so cable and the internet got shut off.

My savings was even shot. The $20 I had put aside

somehow vanished too. So, as a result of all of this

negative payment history, my credit score tanked

badly. Oh, and to make things worse, my wife and I

were newlyweds and had only married less than a

year at this point. One of the worse feelings in the

world is when your soulmate gives you a look of

disappointment. I felt like I read her mind, “What

did I get myself into marrying this fool!” I

remember like it was yesterday and it sucked.

Thank God we didn’t have any children yet.

!55

I was stuck in between a rock and a hard place.

But, despite all of the negativity that was

going on in my life (everything had pretty much

been lost) I knew I had nowhere to go but up. I’d

actually experienced worse before, so I understood

that my situation wasn’t as bad as it seemed to be.

With that realization and shift in my mindset, I set

out on a mission to learn how to improve my

financial condition. I acquired a major deal of

knowledge through books and mentors. I had no

idea what I was doing and I knew that if I never

wanted be in that position again, I needed to learn

something new from people who had the results I

wanted. I began to learn & implement principles to

improve my money management and after many

!56

trial and error experiences, my finances began to

soar like never before and so did my credit score

(Bars!).

This experience also inspired me to start my

own financial improvement company back in 2013

and ever since, I’ve helped thousands massively

improve their finances. I’ve made it my mission to

help people who are suffering like I was change the

dynamic of their future by shifting the way they

viewed and managed their finances. Out of my

struggle not only was it the catalyst to my progress,

but it was also the revealing moment of my life’s

purpose.

Now, you may have had your experiences with

self proclaimed “credit experts” and “financial

!57

gurus” that failed to help you. But, the difference

between me and the rest is before I recommend

anything to my clients, I make sure that it’s tested

using my own credit first. That means I’ve

purposely hurt my credit many times just to

improve it again using strategies that I’ve learned

or developed. Matter of fact, I recently added a

couple of late payments to my credit report just to

test out some credit repair strategies I’ve been

working on. I’ve also tested with inquiries that are

reporting to see how quickly I can get them

removed. My goal is to not only sound like I know

what I’m doing by sharing strategies and theories

with you, but to also make sure they are tested and

proven. Through many years of acquiring

!58

knowledge and applying my strategies, I’ve learned

how to really impact credit reports to influence

major credit score increases. I can assure you that

you’re in good hands. I can’t wait to prove it to you.

4 Cups of Sugar

The formula that results in the highest

success rate for lenders will dominate the

marketplace. So far, 90% of lenders use the Fico

algorithm to determine your credit worthiness, and

they’re dominating for a reason. That reason is that

they’ve helped companies achieve their ultimate

desire: more profit. So, to better assist you we will

be using their information as the foundation to

!59

build from. We will talk more about “how to” when

we begin strategy talk.

Say it with your chest

But, before I share Credit Builder Secrets with

you, I need you to understand that credit is nothing

to be scared of. Yes, up until this point it has been

used in a predatory way against you. But, that’s due

to you never having credit broken down to you in

way that enables you to actually learn how you can

use it for your own advantage. Credit is just another

financial tool that can be used to build something

beautiful. So, instead of trying to avoid the

inevitable use of credit, use this book to gain an

understanding and advantage that others refuse to

!60

acquire. Are you ready to get your credit power?

Let’s go!

!61

!62

Chapter 6

What’s credit you ask?

Credit is simply the option to obtain things

before full payment, based on the trust that on-

time payments will be made in the future to satisfy

the loan. Credit can definitely be a difference

maker in improving your standard of living if used

strategically. Compared to just using cash for your

purchases, it gives you the ability to cut the

timeframe dramatically when anticipating your

desires. The great thing about credit is it’s available

to everybody. No one can deny you credit if

creditworthiness matches their requirements.

Though it has a negative stigma because it means

that debt would be acquired ultimately, if used

properly, credit can be a powerful tool to reaching !63

your goals a lot faster. The difference between if it’s

a negative thing or positive one is if you’re

responsible & wise about your decisions.

But for one to utilize their credit wisely,

means they need to do so without being taken

advantage of if they’re credit is bad. To avoid this,

you must build it up and in order to do that it’s vital

to understand what your credit is comprised of and

how it’s impacted so you can influence those

components positively and to your advantage. This

way you’ll avoid being taken advantage of because

your credit won’t allow horrible terms.

!64

You ain’t got all the answers SWAY!!

First, what we must do is understand how

your creditworthiness is dictated. Your

creditworthiness is based off of information that’s

shared about you with Equifax, Experian, and

TransUnion concerning your payment history from

lenders. Those findings will impact future lenders

decision to approve you. I like to say that credit is

nothing but an adult report card where past and

current lenders share how well you’re doing at

paying your bills.

Before we go any further, it’s important to

know that there are over 70 credit scores that you

can possibly have. The information that I’m going

to share with you on how to build your scores will !65

positively impact each credit score you have. The

only thing is depending on which algorithm is used

to determine your credit score, it may not impact it

as much as it would the others (FYI). Again,

depending on which algorithm is used to determine

your credit score, it may not impact it as much as it

would the others. But remember, since your credit

is only a reflection of the information on your

credit report; the more positive information we

add, the more your score will increase.

5 Credit Score Components

Of the many credit scores, they are commonly

impacted by the following components:

1. Payment history -35% generally

!66

2. Credit utilization - 30% generally

3. Length of history - 15% generally

4. File mix - 10% generally

5. Inquiries -10% generally

First, we have payment history which is your

ability to keep your word by paying your credit lines

on time. Since this is a huge indicator of how you

manage your money, it impacts your score the

greatest. Up to 35%. On time payments impact this

specific component of course, but so do late

payments, charge offs, and collections. So, when it’s

all said and done, you want to do your very best to

making sure no bill goes unpaid ( even if you can

only pay the minimum due). The last thing you

want is for your score to be negatively impacted

!67

because you never paid your bill. I highly suggest

looking into setting your bills up for autopay that

way if you do forget, they pull it despite your

memory loss.

Second, we have credit utilization. This is

simply the comparison of the balances of all your

revolving debts to all of your credit limits. This

component is not looked at individually, but

collectively. So, you want to make sure your total

balances add up to still be lower than your total

limits. The lower that percentage, the less

dependent on debt you’ll seem to credit bureaus

which will result in an improved credit score once

your utilization is under 30%. This component is

misunderstood more often than you would think

!68

because the power of revolving debts’ impact on

your credit score is pretty much unmatched even

though it’s the second greatest contributor to your

credit score alone.

Thirdly, we have length of history. This

component expressly shows how much experience

you have at managing credit simply based off how

long you’ve been dealing with it. You want to

protect your experience age as much as possible.

Make sure when applying for credit that you do

your best to avoid opening too many accounts at

one time. The more you open new line of credits

within a short period of time, the greater a negative

impact it will have on your image because it directly

lessens the average age of your accounts. The more

!69

experience you seem to have (negative or positive

experience because time is time), the more likely

your score is to improve. Do your best to grow this

portion of your credit.

Fourth, is your ability to manage different

kinds of credit, also know as your credit file mix.

There are 3 different kinds of credit: installments,

revolving, and open accounts. As you are building

your credit, managing different kinds can definitely

help you because it shows you have a better

understanding of managing your different bills

compared to users with only one kind of account

reporting. This is very helpful to your growth.

And lastly, we have inquiries. One of the most

daunting things many of us go through is have to

!70

apply for new credit when we don’t know if we’ll get

approved on the first try or with the initial lender.

The worst feeling you could ever have in this area is

to not get the point. Meaning, you fail to accept

“no” and continue to apply regardless and rack

more and more useless inquiries. The use of

Inquiries should be very strategic because they can

add up in a short time if you’re not careful. You

should only apply for a line of credit when you need

it and your odds of approval are very high. To know

this means research will need to be done. My first

suggestion would be to ask which credit bureau do

they use to determine your credit worthiness. If

your particular score with that credit bureau isn’t

good or ideal, consider improving that score before

!71

you apply. You can also use your inquires for

rebuilding purposes. When apply for rebuilding

purposes, make sure your approval odds almost

guarantee your success so that you’re not just

applying for applying sake. Do not shop until you

drop. Protect your inquiries.

What a lot of people fail to realize is that

these 5 components are in their total control. For

you to get your credit right, first remember that

nothing will change until you do. One thing that's

important to understand is that when your credit

scores are low, these are the 5 areas in which you

can begin to positively influence to improve your

scores.

!72

The “just pay your bills on time” myth

I deal with thousands of people through social

media who have bad credit and are looking for ways

to improve their credit scores on a day to day basis.

To help, I try my best to share relevant information

that will help them improve their credit scores and

sustain growth. But, from time to time I deal with

people who think they know it all and try to belittle

the information I share by giving generic advice

that seems to be a cookie cutter approach to every

credit situation. Even though I’m pretty much an

expert at improving credit, these know it alls tell

me and my followers that the only way to improve

credit is to just “pay your bills on time”. What they

fail to realize is the people who are looking for help !73

suffer from bad credit that resulted from more than

just late payments, but also collections, judgments,

charge offs, tax liens, lack of credit, high utilization,

and more. Most people’s situation are deeper than

what they realize so they need more than generic

advice. It’s like trying to solve the algebra problem

a+b+c+d+e=x and only providing “A” when their are

4 remaining variables that need to be present as

well in order to find X. These kind of people will try

to belittle my advice when they are only showing

how little they really know. Another issue with

these kind of people is they usually speak from a

reference of never making a mistake with their

credit before, they speak from a perspective of

perfection. Don’t get me wrong, never making a

!74

mistake with your credit is ideal for everyone, but

someone giving advice from that viewpoint can’t

relate and don’t know what it takes to fix credit

issues. So, if you’ve been told that all you need to

do is “pay your bills on time” to improve your credit

and believed it, stop. That statement is a myth and

if you do that alone, you’ll find that it’s not enough.

I’ll prove it.

As I previously explained, there are 5

components of a credit score and they are the true

way to really improve a credit score dramatically.

For informational purposes, “know it alls” don’t

even know this much. Anyway... I need you to

understand that paying your bills on time IS

important, I hope that’s obvious. But that’s my

!75

whole issue with that advice, obvious information is

“generic”. In my company, ideas to help our clients

are constantly created, but we shun the generic

because I hate it. The reason generic information

isn’t tolerated is you don’t help anyone by sharing

information they already know. To really help

someone you must either share old information in a

new way or share something significant that no one

knows. Otherwise, you’re not being helpful at all,

just redundant. Nothing is unique about repeating

what everybody else is already saying

Okay, sorry for ranting, back to the break

down.

Paying your bills on time is your ability to impact

the first component, payment history. This

!76

component is actually 35% of your credit score.

Here’s the exact reason why paying your bills on

time isn’t enough to give you good credit. Ready?

The lowest your credit score can be is 300 and the

highest your score can be is 850. That means there’s

550 points that you actually have the power to

influence (850 minus 300). Since payment history is

35% of your score, multiply that by the amount of

points you can influence, 550. That equals 192.5

points that you can improve your score by JUST

“paying your bills on time”. Continuing to look at

the math, if you have a 300 credit score (means

nothing else is influencing your score) and add

192.5 points to it by just paying your bills on time,

your credit score will improve to a meager 492.5. As

!77

you probably know, having a 492.5 credit score is

still very bad and needs more work. This reason

alone proves that by just paying your bills on time

WON’T create a good credit score for yourself. So,

when people tell you to just pay your bills on time,

share this breakdown and tell them to SHUT UP. Do

it for me, please.

I have good news. In order to really create a

good credit score, you MUST also influence other

components. As you continue to read, I’ll break this

down further and explain what you can do within

your power to improve it, outside of just paying

your bills on time.

!78

The BIG 3 are a powerhouse together

Credit bureaus, Experian, TransUnion, and

Equifax are the major reporting agencies in our

country. Their job is to report information about us

to potential lenders who use that information to

market products to consumers. How they obtain the

information is from other companies, also called

furnishers, in which we’ve already taken out a line

credit with. They share payment history, credit

usage, account opened/closed dates, high balances,

unpaid balances, etc. For it to work in your

advantage, your history on these accounts must be

stellar, or close to it. Otherwise, you may

confusingly fall prey to predatory lenders or simply

!79

get denied because of your past mistakes. Which

means no credit power.

How to access this information

Throughout your journey of rebuilding your

credit, monitoring it is going to be critical. Credit

monitoring is the ability to track changes on your

credit reports. If you want to be successful

throughout this process, maintaining this tool is

vital. Plus, it’s always a great idea to keep an eye on

something with so much importance that way

you’re always aware of what’s going on with it. You

don’t want to leave your credit standing up to

chance. You want to track your progress and

changes to make sure what’s supposed to be

!80

reporting is, and also protecting your identity is

always a great idea. Credit monitoring will give you

that ability.

Okay, enough with the “generic” information.

Let’s get to the good stuff!

Trade-lines, trade lines, tradelines…

I'm often asked, “Do you sell trade-lines?” Or,

“How do you feel about them, are they legit?”, “Are

they a good idea?” And simply based off of these

kind of questions, I know right away that the people

who ask about them know very little about what a

trade-line actually is. Maybe you can relate? So I

thought it would be a great idea to educate you on

what trade-lines actually are and how you can use !81

them to your advantage. But first, let me share with

you what they are not. What people typically

believe trade lines to be is either a credit sweep,

“glorified piggybacking,” or acquiring a CPN (credit

privacy number) to replace their social security

number. Hopefully you’ve never been a victim of

either of these tactics.

If they offer it, they are janky

You will come across self proclaimed credit

experts who offer credit services that involve credit

sweeps, purchasing trade lines, and new social

security numbers. If you ever come across these

people, do one of two things. One, run the other

way. Or Two, threaten to tell their momma that

they are crooks. Credit sweeps entail falsely filing !82

identity reports to law enforcement and credit

bureaus stating that accounts on your credit report

were never opened by you, despite that credit card

you just opened being in your wallet or the car you

recently purchased sitting in your driveway. These

reports wipe your credit reports clean. However,

this is breaking the law and people across the

country get indicted all the time for this. Be careful

and don’t be a victim because the janky “expert”

will walk away clean while you’re behind bars.

Another tactic they use is illegally adding

aged credit lines to your credit report by adding you

as an authorized user to “aged” credit card accounts

without the actual owner of the credit lines

approval. The legal tactic is called piggybacking,

!83

which is usually through a friend or loved one

adding you to their credit card so you can gain their

length of history and low utilization on your credit

report. The difference is you are added by the actual

owner, not the credit “expert”. Some companies

work out agreements with the actual owners of the

cards, but not many. So be careful and look for

reviews and client testimonials.

Finally, the last tactic they will try to use is

through offering you a CPN (credit privacy number)

to replace your social security number. They will

advise you to use the CPN instead of your social

security number when apply for new credit lines.

Doing so will cause the lender to be able to locate

your actual credit reports and it will be like you’re

!84

starting from scratch. It works. Until you’re caught

that is. Using numbers in the social security field

instead of your actual number is committing fraud.

This is a very quick way to land in prison.

Without the proper education, almost

everyone I’ve ever come into contact with who were

interested in “trade lines” were speaking of one of

the 3 mentioned tactics janky credit “experts” have

recommended. This is a big reason why the credit

repair industry is greatly scrutinized. My goal is to

inform you of what to look for so you can protect

yourself. Now let’s talk about what trade lines are in

reality.

!85

Tell us how you really feel, Jay!

When people are looking for way to improve

their credit scores they search “how to improve

their credit score” on google and read every blog

post that follows. But, what they fail to realize is

everyone is sharing the same information. I’m

talking about “generic” information again. This is

the kind of information that talks about the surface,

but doesn’t dive deep into the reason why or the

strategy behind it. It’s just do this, do that, do this,

do that. I hate it, but majority of people love it

because they think it’s right. Then they try to

implement the ideas and end up hurting themselves

even more. Don’t fall victim to “generic”

information. If the information isn’t sharing the !86

strategy behind it; the real purpose and why, then

you should question it. Otherwise, you’ll find

yourself repeating something someone else said

that someone else said that someone else said. Too

many people are repeating “generic” information,

that’s usually wrong and they have no real

understanding of what it actually means. I don’t

want you to sound foolish when you ask questions,

that’s why I’m sharing this information. Before you

ask someone do they sell trade-lines, please do your

research to understand what trade-lines are

because what you’ll find is that question should

never be asked once you know what they are. I got

you!

!87

So, again, what are trade lines?

There are 3 different kinds of trade lines:

1. Revolving

2. Installment

3. Open

They come in many different forms of trade

lines that can be reported on your credit report. Car

notes, credit cards, line of credit, mortgages,

student loan, utility bills, or any other credit-

related item that is provided by a financial

institution or lender are considered trade lines. As

long as the account is reporting payment history,

it's considered a trade line. Often times, people are

searching for "special" trade lines, as if they exist, to

add on their credit report when they have no idea !88

what they even are. Now you know. So, never ask

anyone if they sell trade-lines. A trade-line is a

specific account that reports on your credit report.

Nothing more, nothing less. You can open trade-

lines with any creditor that offers financing. It’s

that easy. But here's the kicker, when adding new

trade lines to your credit report, you don't just want

to add any kind, you want to add a specific kind to

really get the maximum impact on your credit

score. Yeah, let’s talk about Credit Builder Secrets.

The prize is where to focus your eyes

The Credit Builder Secrets that I’ll be sharing

with you in this book will help two different kind of

credit reports. The one with little history and the

!89

one with poor history. Here’s how they are different.

Little history means that you don’t have enough

reporting accounts to determine if you understand

how to properly manage credit, so you need more

accounts on your credit report to show history. Poor

credit history is when your credit report shows

enough history to determine that you do

understand how to manage it, but up until this

point you have NOT managed it well. In both of

these cases, credit building is needed. Here’s what

you need to know if you are suffering from bad

credit. No matter what kind of derogatory

information is hurting your credit, it can only

negatively impact it for so long.

!90

From experience, I’ve found that credit

scoring algorithms grade you more harshly based

off of recent activity that hits your report. More

precisely, they are grading the activity that has

occurred within the last 36 months (3 years). Once

you reach that threshold, the negative information

doesn't have as much of a negative impact on your

credit score. Slightly, but not as much. So, if

something derogatory was added to your credit

reports within the previous 36 months of the

present date, your scores are going to drop

tremendously. But, what you do next is what

matters. It’s the difference of just accepting what

happened or doing something about it that’s going

to have a great impact on your future. What you

!91

want to do if you are suffering from derogatory

accounts on your credit report that meet the 36-

month criteria, is influence the components of your

credit score, strategically. You do this by offsetting

the negatives through the addition of positive

information which enable your scores to improve

more quickly, rather than just waiting the 36-

month timeframe for the derogatory information to

become irrelevant. To accomplish this, you don’t

want to do just anything, you want to be strategic.

So, where your focus should be is on the 1st two

components that make up a credit score, Payment

history and Credit utilization.

!92

How much control does this give you?

As we’ve already discussed, there are 550

points in your credit score that you actually have

the power to influence. Payment history is 35% of

your credit score and credit utilization is 30%,

together giving you the power to impact 357.5

points (65% multiplied by 550 points) through

those two components alone. And what I'm going to

share with you is how to impact both of those

components using just one particular kind trade

line. That way, your actions are efficient and

effective. Let’s dive into it.

!93

!94

Chapter 7

Credit Builder Secret #1

What we want to do is find a way to really

influence the two components aforementioned to

make sure that your credit score is being influenced

at a maximum effort. That's where strategy comes

into play. The best trade line to acquire to help you

BOOST your credit scores is a credit card or

revolving account that reports to each major credit

reporting agencies monthly.

Why this kind of account?

Before I share with you how much of an

excellent idea it is to acquire credit cards to help

you massively improve your credit score, the first

thing you need to do is think with an open mind. !95

There's a lot of hate regarding revolving debt like

credit cards, but honestly, they are the best tool to

use for credit building. If you manage them

responsibility and with the right strategy in mind,

your credit score will improve drastically!

Another point to share before we talk about

this strategy is that I need you to understand that

just because you open a credit card doesn't mean

that you are required to rack up huge amounts of

debt for it to work for you. Actually, this is a kind of

tool where it helps you more when your balances

are low. This strategy will not force you to go into

deep debt. Again, as long as you are responsible and

use it strictly for credit building, you have

absolutely nothing to worry about.

!96

For some reason, too many uninformed or

miseducated people believe credit cards can only

work in your best interests if they are maxed out

and continuously used. That's not the case at all.

Let me break this down for you.

How does credit utilization impact me

All revolving debt impacts your credit

utilization. Revolving debts can be credit cards or

line of credits who offer you a particular limit with

the possibility of using the entire limit for whatever

purpose you give (other than paying another

revolving debt). But, instead of you being

responsible for paying the entire debt right away,

you're only obligated to paying off a small

percentage, known as the minimum due, until the

!97

balance of the debt is fully paid off. However, my

advice is to pay it off in full monthly to prevent

being charged interests. We’ll talk more about this

in the later pages.

Since there is so much leeway with this

particular debt, you’re graded heavily based off of

your revolving debt balances compared to your

limits because it shares how dependent your are on

your credit cards. Remember, the credit bureaus

sole purpose is to assess whether or not you're a

liability to current and potential lenders, so as you

rack up more of your credit card balances compared

to the limits, the more desperate you seem and the

less likely you're going to be able to pay this down

over a reasonable amount of time. Since that's their

!98

main focus, how you manage your revolving debt is

critical to your credit score success. The last thing

you want to do is portray yourself as someone who

is unlikely to pay their bill because it's going to hurt

your credit scores and minimize your potential for

getting approved in the future. Through responsible

management of credit card usage, you will get the

most out of this particular strategy. Proper money

management of credit cards results in maintaining

a low credit card balance to limit percentage of 30%

or lower. Try your best to get your utilization as low

as possible because it will ONLY help you more.

!99

For example…

To make the math easy, lets say that

altogether your credit card balances equaled $750

and the limit collectively, equaled $1,000. That

would make your credit utilization 75%. In this

case, this is a big no no because it shows that you

are dependent on debt since your utilization ratio

isn’t at least 30% or less. What you’ll want to do is

work on getting your revolving balances under $300

(at or under 30% of your collective limits). This will

help you improve the credit utilization impact on

your credit. The lower your credit utilization

percentage, the better for you credit score.

Another example: Let's say you have 4 credit

cards with a $500 limit on each of them. Plus, each !100

of the credit cards are reporting only $50. Total

you'll have $200 in credit card balances and a

$2,000 credit limit. $200 divided by $2,000 will give

you a 10% credit utilization percentage. This will

help your credit scores tremendously because it

doesn't show that you are dependent on revolving

debt. If you’re able to pay down your credit card

balances even more, it will help you even more.

Here's the most important part thing

regarding credit utilization. 0% utilization helps

you the most. That means you can have open credit

cards that aren't being using (or paid off

completely) and will still help you improve your

credit score. Ultimately, this validates that you

don't need to max out your cards in order for them

!101

to help your credit. Remember, the less dependent

you look when managing credit cards, the more it

will help you. Having a zero balance reporting to

your credit shows that you’re not dependent on

your revolving debts at all. It can’t get any better

than that for your credit score.

The influence of payment history too

So, here's another plus about revolving debts.

As you're managing your debts responsibly, whether

it shows a balance or not, that month of activity will

still be reported on your credit report as a positive

mark. So, due to the fact that credit bureaus grade

you so heavily off of recent payment history that’s

occurred in the recent 36 months, you have the

power to really influence this component without !102

doing much except having it open for open sake

and ensuring low credit utilization reports, if any at

all. No other trade line has this form of leverage.

Yes, all trade-lines report payment history, but only

revolving trade-lines report payment history AND

credit utilization, 65% of your credit score by the

way.

Remember we talked about how just paying

your bills on time won’t result in having a good

credit score. Let’s look at the math if we were able

to use these two components together. You have

550 points to manage and influence it by 65%, that

results in 357.5 points to be added and a 657.5

credit score. This proves there’s power in having

!103

credit cards that are managed responsibly. Can you

say credit score increases?

Side note: You want to be strategic by making sure

you open credit cards with lenders who report to all

3 credit bureaus, that way you can get the full effect

with each credit bureau.

Don’t hate it, appreciate it

So many people hate credit cards based off of

the negative stigma that was given to them by

people who’d improperly managed them. However,

regardless of their false accusations, credit cards are

the very best credit builder tool available - no

question about it. If you don’t have any credit cards,

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I highly recommend that you put your perspective

to the side and use mine like I’ve requested earlier.

Make sure you open a credit card.

Keep in mind as you're wondering whether or

not this strategy will work, credit utilization

impacts your credit score by 30%. To NOT

implement this strategy into your credit building

game plan means that you are okay with missing

out on the 165 points that are potentially available

to your credit score. Looking at more math, that

also means without credit cards the highest your

credit score could ever be is a 685 (payment history,

length of history, credit file mix, and inquiries).

Reaching the 700 club is impossible. Hopefully,

you've learned that your credit score increase is

!105

totally dependent on the strategy behind it.

Strategy is key.

Let’s dive a little deeper

What's important when putting this strategy

into play is to make sure that when you take action,

it will result in a positive impact on your credit

score. If you have bad credit and you're applying for

credit cards, don't apply for just any card, apply for

the card that you'll get approved for. That takes a

little research of course, but we're talking about just

5 minutes of searching on Google for the best card.

There’s many legitimate websites that share insight

on which card to apply for in each situation. But,

what's better is I've done the research for you this

time and will make recommendations soon. !106

When applying for credit cards and your credit

score is below 640, you should definitely aim for an

“almost” guaranteed approval because a wasted

inquiry can hurt your score even more. At this

point, we want to build, not destroy.

I often recommend to each of my clients to

make the commitment to acquire a secured credit

card beginning the rebuilding process because once

you invest your money into something, you take

care of it more versus not spending any money at

all.

What's a secured credit card?

To keep it simple, a secured credit card acts

the same way as a regular credit card. The only

!107

difference is you must first make a deposit to

acquire the card. The deposit protects the lender

from your poor creditworthiness, just in case you

decide not to pay your bill, which is why creditors

are even willing to take a chance on people with no

credit or bad credit. I believe the best thing you can

do to get yourself on the right path to a better

credit score and solid financial habits is through

making this kind of investment in yourself. That

way you have something to lose, which will cause

you to be more invested in the process. But, some

lenders do take a look at your credit report to make

sure that you don’t have any recent delinquencies

(last 6 months), but there are some who don’t. The

lender you want to go through is the one who

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doesn’t pull your credit report, you want a

guaranteed approval. That way your inquiries are

not impacted.

Make adjustments to save for the deposit

I tell my wife this all the time, All Game Plans

Are Meant To Be Adjusted. We don’t know the future,

but we do understand the now. When you look at

the greatest coaches of all time, what they all have

in common is how well they’ve handled adversity &

made the right adjustments to their game plans to

come back and win games they were once losing.

This same greatness is in you too. With the proper

financial adjustments you can win the money game,

too.

!109

The name of the game is to maximize income

and minimize expenses. Look at your budget (or all

of your expenses if you don’t have a budget) and

figure out what recurring expenses you can

temporarily minimize. The smallest changes go a

long way. The more adjustments you make the

more money will be available to save for your

deposit. Keep this in mind – if you don’t sacrifice,

what you want WILL be the sacrifice.

Here are a few suggestions:

• Temporarily suspend your cable for the month

(minimum savings $40).

• Temporarily suspend your gym membership

(minimum savings $10).

!110

• Pack a lunch for work for the month (minimum $5

per work day savings, $100 savings).

• Increase tax withholdings to 8 for only one month

(minimum $100 increase in paycheck).

Implementing these changes alone will allow you to

save for a $250 secured card deposit, which is the

industry minimum requirement.

Back to strategy talk

So, you're to acquire a secured credit card as

soon as possible. If you’re wondering how much to

deposit, don’t worry about it. The deposit is

irrelevant since the only thing that matters is your

credit utilization anyway. If you keep the balance

low compared to the limit (under 30%), it's going to

!111

help you whether your limit is $250 or $2,000. It’s

relative regardless. So, you can deposit the

minimum funding amount or a higher amount, that

decision is up to you. The only use for this card is to

build your score. Once you get your card you will be

tempted, but you are NOT to use it to pay any bills,

unless the expense is under $20 (to be safe). I don’t

want you taking any risk because it would be a

complete waste of time if it begins to hurt you

rather than help you.

Just in case I didn’t get through to you, this

card’s utilization needs to stay under 30% in order

for it to fulfill its purpose. There should never be a

balance reporting. Worst case scenario, just make

sure the balance never exceeds 30% of your limit.

!112

That card will report to the credit bureaus every

month, adding a positive mark on your credit

report, and over the course of a year, it will add 12

positive payments to your credit report. It will also

make the credit utilization component of your

credit score available to your advantage, allowing

you to capitalize on the 30% influence it will add to

your credit score through that component. Do this

and you will see jump in your credit score.

Guaranteed.

Multiply by 4

Having one credit card helps your credit score

by influencing the payment history and credit

utilization positively. But, what I'm going to share

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with you now will really allow you to expedite the

growth of your credit score from 1 year to just 3-6

months.

Imagine if you were to implement this

strategy multiplied by 4. Opening just one new card

will add 12 positive payments to your credit report

over a year. Opening 4 cards will allow you to add

48 positive payments over a year. How beneficial do

you think that would be to your credit score? Here's

the significance of this. Many people in your

situation of course have bad credit, but that

negativity is usually the result of late payments,

collections and charge-offs. Let's say you've had 2

accounts reporting on your credit report and over

the last 36 months, 8 late payments were added to

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your credit report. That means 64 of the 72

recorded payments were on-time. But, that's only a

88.8% success rate. By adding 1 new revolving

account to your credit report, you would add 12

more positive payments increasing that average to

76/84, resulting in a 90.4% success rate. However,

adding 4 new revolving accounts will add 48

positive payments. That's 112 out of 120. A 93.3%

success rate. Within a years time, you could

improve your success rate by almost 5%. That will

do wonders for your credit score. And overtime,

those late payments will become less impactful as

your accounts grow with age (36 month rule). But

that's the benefit to your payment history. What

about your credit utilization?

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Adding more revolving accounts means a

higher overall revolving limit, which will result in

less of an impact that your credit cards will have on

your credit score as well. For example, if you had a

maxed out credit card prior to implementing this

strategy, let's say your limit was $500 at 100% credit

utilization, adding 4 new credit cards at $250 each

will add $1,000 to your overall credit card limit.

This will result in having 5 credit cards, a $500

balance and $1,500 limit. Your credit utilization just

went from 100% to 33% immediately! Can you

imagine how much your credit score will improve

by implementing this strategy for your credit

utilization? Now, imagine how much your score will

!116

improve for your payment history too. It's definitely

a win-win!

Avoid this like the plague

Every time I share this strategy people get

pumped. So pumped, they get very trigger happy

too. Instead of adding 4 accounts, they will add 8 or

12. It's important for you to know that the reason

the recommendation of adding 4 credit cards was

shared is to also protect another component of your

credit score that makes up 10% (55 points) of your

credit score. Opening more accounts on your credit

report means that you have to request an

evaluation from lenders and that evaluation

ultimately means that they have to pull your credit

reports. Of course, adding more payment history !117

and credit utilization to your credit helps you, but

we don't want it to hurt your gains either. Inquiries

are tricky, but if you're strategic with your actions,

they won't hurt you. There have been countless

times when people get overeager after hearing our

strategies and end up hurting their gains because it

prevents their scores from being maximized due to

them adding too many inquiries to their report

simultaneously. Adding 8 to 12 new inquiries to

your credit report within a few days will cause your

score to drop up to 55 points since that's 10% of

your credit score. Be careful, we have a strategy.

Don’t blow it up!

Do this instead

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Over the span of 6 months to a year, I want

you to add 4 new credit cards to your arsenal. For

my credit repair clients, I usually recommend

opening 1 card every 2-3 months until they have a

total of 4. We do that solely to protect their gains.

Plus, everyone doesn’t have extra money laying

around for secured cards if needed, so it helps with

saving for deposits if necessary too. But if you're an

eager beaver, I wouldn't open a new card any more

frequently than every 45 days.

!119

!120

Chapter 8


Credit card debt can be a mofo, especially for

your credit score. Earlier, I shared with you how

credit utilization works and how much of a role it

plays in increasing your credit score; which is one

reason why so many people find themselves with

bad credit scores because they were unaware that it

played such a role. In my organization we help

people through educating them on how to gain

control. We share strategies that will help them

improve the credit utilization component of their

credit scores, and we assist them in removing

derogatory information from their credit reports.

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When you bought this book, you became a client of

mine too. With that being said, here’s another

strategy for you.

Credit Card Optimization

This information is for people who have large

credit card balances, lack the funds to pay down

their debt within 2-3 months, and interest is

kicking their ass so they find it nearly impossible to

reduce their credit utilization. If this sounds like

you, have hope. This particular strategy will help

you see the light at the end of the tunnel and make

it realistic for you to reduce your debt, save money,

and of course, improve your credit score.

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Let's say that you have two credit cards and

you're credit cards are both maxed out at $2,000.

Again, anything above 30% credit utilization is

going to hurt your credit scores, 100% isn't the best

look for you. This strategy is going to help you cut

your credit card utilization tremendously within

only 30-45 days (depending on how long it takes to

process). But in order for it to help you, your credit

score must be at least a 640 - that's the only

stipulation. Once you're at that point, you'll want to

look into doing a credit card balance transfer. What

this is going to do is take your current credit card

balances and actually roll them over to brand new

credit card. But here's the kicker. The new credit

card won't bear any interest for the next 12-18

!123

months. Yeah, 0% interest 12 to 18 months in a row.

Can you imagine how much you'll be able to pay

down those balances with those perks?

Also, there will be an immediate benefit as

well. Since a new credit card will be opened as a

result, that will add to your overall credit card limit

the total amount that was transferred - and possibly

more depending on how much you’re approved for.

So, in this example, you have a couple credit cards

maxed out at $2,000. The balance transfer card

accepted those balances, which also resulted in the

two original cards to be reduced to a zero balance.

Altogether, that leaves you with a $2,000 balance at

0% for the next 12-18 months (depending on the

card you qualified for) and a new $4,000 limit.

!124

Which results in your credit utilization being

reduced to 50%. That will dramatically improve

your credit score and as you pay down your

balances over time, your utilization will improve

more and so will your credit score. Bow!

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!126

Chapter 9


Up until this point, we’ve talked about adding

credit cards and rolling over balances. But now we

need to add the final piece to this puzzle.

At the end of the day, when you have credit

card balances and your credit score is shot, the best

thing you can do to better the situation is to work

on paying it down. However, the process that you

use to pay down your credit card balances is critical

and cannot be taken for granted. Credit bureaus

want to see progressive actions toward paying down

your credit card balances because managing your

credit is only a reflection of how well you manage

your money. And, since a bureau’s true job is to

protect their clients best interests, the best thing !127

you can do for your credit is to maintain low credit

utilization or at minimum implement a plan to do

so. This reason alone is why credit cards impact

your scores so much! With that being said,

sometimes you have to get back to the basics to see

the change you ultimately want. The basics in this

case is revamping your budget and aligning it up

with debt reduction as the top priority. This is the

final piece to ensuring that your credit utilization is

maximized to its fullest potential.

The debt snowball method is a debt reduction

strategy where you pay off debts in order of

smallest to largest - gaining momentum as each

balance is paid off. When the smallest debt is paid

!128

in full, you roll the money you were paying on that

debt into the next smallest balance.

Here are the following steps:

Step 1: List your debts from smallest to largest.

Step 2: Make minimum payments on all your debts

except the smallest.

Step 3: Pay as much as possible on your smallest

debt until it's completely paid off.

Step 4: Repeat until each debt is paid in full.

Here's an example of a debt snowball scenario

Say you have the following four debts:

1. $500 credit card debt ($50 payment)

2. $2,500 credit card debt ($75 payment)

3. $7,000 car loan ($225 payment)

4. $9,000 student loan ($150 payment)

!129

What you want to do is make the minimum

payments on everything except the 1st credit card

debt. And let’s say you have an extra $500 each

month available. Since you’re paying $550 a month

on the first credit card debt (the $50 payment plus

the extra $500), that debt will be done in one

month. You would then take that $550 and attack

the 2nd credit card debt. You can pay $625 on the

plastic (the freed-up $550 plus the $63 minimum

payment). In about four months, that credit card

will be no more because it's paid off! The car loan

will turn to $850 a month. In 7 months, you'll say

bye-bye to car payments! By the time you reach the

student loan, which is your biggest debt, you can

put $1,000 a month toward it. That means it will

!130

only last about 7 months. My friend, within 2 years,

you're now debt free. Oh and your credit utilization

went to zero in the first 5 months! Your score just

shot through the roof!

With discipline and commitment, this plan

will absolutely change your life because not only

will your credit score improve potentially 165

points, but you've also freed up $1,000 of your

budget. You'll be able to save for that mortgage

deposit in no time!

!131

!132

Chapter 10


Having credit cards in good standing can be

advantageous to your credit profile because with

good payment history, comes rewards. One that I’m

speaking of for you is what I like to call the Credit

Limit Increase Advantage. This strategy has helped

me increase one of my credit cards from a $2,000

limit to $25,000 within 1 year and the best part is: it

was very easy! First and foremost, this strategy will

work best with big name lenders like Capital One,

Chase, American Express, Discover, etc. However, it

has shown to still work with smaller lenders as well,

just not as often and not as dramatic. But, a small

increase is still progress nonetheless.

!133

Anyway, every month you want to make on-

time payments on your credit cards and after 6

months of on-time monthly payments, your lender

opens the opportunity to request a limit increase. If

you can show monthly progress toward paying

down your balances and you’re still working a 9 to

5, you can request a limit increase online and get

approved within seconds. With my credit card with

Capital One, I was able to request a limit increase

every 6 months and each time, my limit increase

more than $10,000! You should implement this

strategy right away. Every six months, you should

have a reminder on your calendar to request a limit

increase with each of your credit cards. As your

limit increases and the balance either remains the

!134

same or shrink, your credit utilization will continue

to lower and steadily BOOST your credit scores.

This strategy is easy to implement and VERY

effective! Worst case, if they say no, it won’t hurt

you. But it’s very unlikely that they won’t increase

your limit if the criteria I’ve shared is met.

Don’t shy away from card upgrades

Sometimes, you may not be eligible for an

increase with that specific card, but that doesn’t

mean that they don’t have a better one that you

qualify for. Never shy away from contacting

customer service at this time to see if you qualify

for a card upgrade. If you do, that means you will

get an even higher credit card limit and more perks.

!135

I always suggest taking advantage of being treated

like a elite standard client.

!136

!137

Chapter 11


Whether you’ve had credit cards prior to this

recommendation or you’ve just acquired your very

first, what I’m about to tell you next can be the very

difference between 25-50 points being added to

your credit score growth. We’ve talked a lot about

how much credit utilization impacts your credit

score, but what we have yet to discuss is how two

dates of activity can impact you most. The specific

two dates that I’m referring to are your due date

and your statement date.

What’s so important about your Due date?

Your due date is the date on your account

when your minimum payment is due. If paid after !138

your due date, you’ll acquire a late fee. So, you

don’t want to miss paying the minimum amount

due on this particular date. What a lot of people do

is pay their bill in full on this specific date, and

doing so will prevent interest from building on your

credit card. Which is pretty awesome because it

gives you the ability to use money that’s not yours

and as long as you pay the balance in full by the due

date, you won’t even have to pay for borrowing that

money. But here’s the kicker. What’s paid on your

due date won’t reflect on your credit report.

Actually, what reports on your credit report is the

balance that’s accumulated by the statement date.

Many people get very discouraged when a different

balance reports on their credit report other than the

!139

balance they saw after paying their bill on the due

date. This causes their credit utilization to be

higher than they expect because what’s reported on

their credit report isn’t the balance after the bill is

paid on the due date, but the balance that shows on

the statement date.

So, what’s the statement date?

The closing date for your credit card (this is

considered the last day of the billing cycle),

typically ranges 25-31 days. The balance on the

card as of that date is the one that's reported to the

credit bureaus and reflected in your credit reports.

Your credit card utilization rate is also reported

based off the balance that shows the day before

!140

your statement date at this time. This is what kicks

a lot of people’s butt because they never knew this.

Okay, you get it!

There are a lot of people who understand how

the strategy behind your due date versus statement

date works. When they look at their household

budget, it doesn’t allow them to pay their balance

in full by the statement date to take advantage of

this strategy. But here’s the good news, there’s

actually a way around that issue once you look

deeper into the numbers and the opportunities

available to you. Here’s an opportunity that’s

available to us all. For example, if your statement

date doesn’t work with your finances, simply

!141

contact your credit card provider and request to

change your statement date (sometimes due date

instead) to the particular day of your choice. Mind

you, this change may take a whole billing cycle, but

the results of it will be epic.

When you are trying to figure out what works

best for you, it’s important that before you request

a change, remember you’re only allowed to change

it 1 time per year, depending on the company

you’re working with. Again, you must be strategic to

make sure you set yourself up for success.

Here’s what I mean… The best way to

strategically change your statement and due date is

to look at your current due date and statement

dates to figure out when would be best for your pay

!142

your bill in full on a consistent manner. For

example, let’s say you have a credit card with

Capital One, your due date is the 1st of every month

and your statement date is the 8th of every month.

To make things easier, let’s say your budget allows

you to pay your balance in full on the 27th every

month. You first must figure out the days between

your original due date and statement date by

subtracting the days between them as follows

(statement date minus due date) because this will

tell you how to strategically set yourself up for

success by ensuring the days between the changes

still reflect the original agreement between you and

the company.

!143

What’s just as important is to make sure you

keep in mind that the balance must be paid in full

at least one business day before the statement date.

So, if you’re able to pay your bill in full on the 27th,

we’d want our statement date to be the 28th of the

month to ensure the correct balance reports to the

credit bureaus after we pay the card balances in

full.

Also, since your due date is 8 days prior to the

statement date, your new due date request should

be for the 21st of every month to ensure you’re able

to obtain your 28th statement date. As long as you

pay the minimum payment due by the due date (I

recommend that you set up for auto-pay to prevent

late payments) this particular strategy will work

!144

without any issues. And did I mention that if you

build the habit of paying your balance in full one

day prior to your statement date, you’ll also avoid

being charged any interest on your credit cards as

well. It’s definitely a win-win when you are

strategic like this.

What should you do?

So, what can you do to make sure your credit

utilization is reported at the actual amount that

you paid it down to? You can do one of 2 things.

1. Pay the minimum due by the due date, then pay

your budgeted amount 1 day prior to your

statement date (call your lender to request your

statement date).

!145

2. Pay the minimum due and your budgeted

amount by the due date. Then, avoid using your

credit card until the statement date.

Doing this will prevent your credit utilization

from being reported higher than what you expected

because you know when the true balance will be

reported. If you’ve fallen victim to this prior to

today, taking advantage of this information will

help improve your credit score even more.

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!147

Chapter 12


One thing you won’t hear me talk TOO much

about are adding new types of different trade lines

to your credit report. Key word is new different

trade lines. I am not referring to the existing trade

lines already reporting on your credit report. Why

don’t I talk too much about adding new different

types of trade lines? There a three specific reasons.

One, the benefit of having other types of trade

lines are nowhere near as helpful for your credit

score than a credit card. Two, they are only good for

adding payment history to your credit report. And

three, the negatives can outweigh the positives if

you’re not strategic. Adding a new account means

that a new inquiry was added and it hurts the !148

average age of your accounts. That’s up to 25% of

your credit score if you’re NOT careful. However, to

be creditworthy means that you’re responsible at

managing your finances. The greater variety of

financial tools you’re able to successfully manage,

the better your creditworthiness. With that being

said, one component of your credit score that

should given some of your attention is the Credit

File Mix component. This is 10% of your credit

score or 55 points. Credit bureaus like to see some

kind of variety when it comes to managing debt.

You can be great at paying the minimum due on

your credit cards or not even accumulating a

balance at all. But, how well would you do with a set

of installment payments that must be paid monthly

!149

over a period of time? Creditors want to know this.

So the bureaus grade you based off this need to

know information. And if you’re not impacting this

component positively, you’re hurting your scores.

How to positively impact this component?

Having nothing but credit cards on your credit

report doesn’t help this component. For every 4-6

credit cards, there should be at least 1 installment

account for best results. That doesn’t mean you

need to have 4-6 credit cards for every installment

account (for clarification purposes). That’s when

the conversation about credit builder loans come

into play. Basically, a lender offers you a loan for

the purposes of building your credit score. What

!150

they do is provide you with a small loan, usually

ranging from $250 to $1,000 that is then paid back

over a span of installment payments, usually within

6 months to a years time. To best protect yourself

from defaulting on the loan, the lender will secure

it in a purpose savings account that you won’t be

able to access until the full loan is paid back. This is

also a GREAT way to build an emergency fund

because once the loan is paid off, then they will free

up the savings account for your full access. The

monthly payments on this loan will be reported on

your credit report as installment payments. By

adding this a kind of account on your credit report,

you will positively impact the credit file mix and

further improve your score up to 55 points. Plus,

!151

this will help you improve your creditworthiness

with other lenders once completed.

My advice: Don’t open more than 1 installment per

4-6 credit cards.

!152

!153

Chapter 13

This is key

In order for these strategies to work, you must

follow my 5 commandments for credit

improvement success. Your credit building

success can be damaged by what you don’t know.

My aim is to make sure that doesn’t happen simply

because you didn’t know any better. Tell me, how

would you feel if you were able to improve your

score 100-200 points just to have it drop to an even

worse status than when you started because of

something that could’ve been avoided had you’d

known better?

!154

Information changes situations

I have created 5 Commandments for credit

improvement success so that you can avoid popular

mistakes that people make when trying to improve

their credit score. Doing the opposite of any of

these 5 commandments will lead to doom for your

credit score. Don’t say I didn’t warn you.

5 Commandments for Credit Repair Success

1. Thou shall NOT miss payments.

2. Thou shall NOT add to credit card balances.

3. Thou shall NOT close any trade-lines reporting

on your credit reports.

4. Thou shall NOT shop for credit – unless needed.

!155

5. Thou Shall NOT pay collection accounts

reporting on your credit reports without first

negotiating a payment for deletion in writing.

Now you know what the 5 commandments are, let’s

go more in depth.

Why are they so important?

Thou shall not miss payments because

payment history makes up of 35% of your credit

score. A late payment reported on your credit

reports would not only severely ding your credit,

but it could also negate the progress we made on

improving your score. The last thing you want is for

that to happen. I run into so many people who’d

make a 50 point increase on their credit score but

!156

would forget all about paying their credit card to

get that reported on their credit reports. Then they

send me a mildly passive aggressive email

wondering why their score dropped when it was

their fault because they weren’t paying attention.

Payment history is totally under your control.

Control your fate by making sure you pay your bills

on time!

Tip: If you tend to forget about making payments

on your credit cards, I again suggest that you set

those accounts to pay the minimum payment on

the due date to make sure it’s never missed.

Thou shall not add to credit card balances is

another area that aggressively affects your credit

score. Up to 30% matter of fact. One of your goals

!157

right away is to pay down your credit card balances

because as you pay down the balance your credit

utilization increases, ultimately improving your

credit score. But we can’t expect to see any

improvements from this area if you continue to add

to your credit card balances. How can you expect to

pay off debt if you keep adding to it?

Tip: If funds are low and you have multiple credit

cards, I suggest that you look into starting the

“snowball method” on your credit cards to help pay

down those balances quicker.

Thou shall not close any trade-lines. Fifteen

percent of your credit score is dependent on the

length of time you’ve managed debt. Every time you

open a new line of credit, it lowers your average

!158

length of history. But more importantly, the more

accounts you close, the more it lessens your

average. You want to continue to build history as

long as you possibly can. A credit report with long

history looks good on your part because it tells the

credit bureaus that you have experience. A closed

account no longer reports, which means it no

longer helps you. Never close your accounts.

Tip: If you find yourself struggling with credit card

usage, grab a pair of scissors and cut that credit

card into two. But don’t close the account.

Thou Shall Not shop for credit if it’s not

needed. When you shop for credit, potential

creditors are pulling your credit reports to review,

which results in a hard inquiry. It is said that for

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every hard inquiry, it lowers your score 1 point. The

last thing you want to do is shop for credit when

you know the chances of you being approved are

slim to none and it’s going to drop your score.

Protect your score. The only time you should shop

for credit is if you are guaranteed approval and it’s

going to help you rebuild your scores.

Tip: Work on building an emergency fund so that

God forbid an emergency were to occur, you don’t

go lurking for a loan or credit card, but you can

depend on yourself to handle the situation.

Thou Shall Not pay collection

accounts reporting on your credit reports without

first negotiating a payment for deletion in writing.

A paid status vs an unpaid status still has the same

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negative credit rating and can potentially lower

your score. If the time to pay ever occurs, make sure

you communicate a deal in writing.

Tip: Don’t communicate with debt collectors over

the phone. All your communication should be done

in writing.

Now you know what NOT to do to make sure

your credit improvement success isn’t damaged. Do

what’s in your power to keep it that way.

How to take action

Now that we have a strategy, it's time to put

that strategy into play. As you embark this new

journey always keep in mind that nothing changes

until you do. This information that I've shared with !161

you is the knowledge you need to get better results.

When you decide to take action, the first thing you

must do is complete a quick assessment of your

credit report to figure out how many revolving

cards you have. Your understanding of where your

credit cards lie will play a huge role into your ability

to see improvement. See below for which strategy

you should focus on while completing this journey

to a better credit score:

Question 1: Do you have any credit cards?

No: Start with Credit Builder Secret #1.

Yes: Go to the next question.

Question 2: Do you have less than 4 credit cards?

No: Go to the next question.

Yes: Start with Credit Builder Secret #1

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Question 3: Is your credit utilization over 10%?


Yes: Start with Credit Builder Secret #2 & #3.

Question 4: Was the last time you've requested a

credit limit increase more than 6 months ago?


Yes: Start with Credit Builder Secret #4.

Question 5: Did you know the difference between

your due date & statement date prior to reading

this book?


Yes. Go to the next question.

Question 6: Do you have any credit builder loans? If

yes, did you open one in the last 6 months?


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Yes: If this book failed to help you, please contact

me at [email protected] to request a

refund.

At the end of the day, my goal is to help you.

Hopefully, the information shared in this book has

done just that. As you’re tackling these action steps,

don't allow any form of adversity to stop you. Find a

way to accomplish each task. If there's a will, there's

always a way. Completing each Credit Builder Secret

will result in a better credit score for you. Get to

work!

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Chapter 14

Greater things are on the horizon

Your credit score is only a reflection of how

well you manage your financial obligations. As you

use this information to improve your credit status, I

want you to think of the bigger picture. Credit

bureaus main priority is not to protect your best

interests, but to protect the financial well-being of

their true clients - businesses. For some reason,

people believe that credit bureaus are about the

people. That couldn't be further from the truth.

They're about the dollar. Everything they do is to

make more profit for their particular business. They

sell your information to other businesses who then

assess whether or not you're the ideal candidate for

their product or services. By implementing these !166

Credit Builder Secrets that I've shared with you,

your credit score will improve dramatically. What

that means for you is you will become more of a

target to lenders to try to pursue your pockets. Just

because your score is improving doesn't mean that

you need to acquire everything that's offered to

you. The more you say yes, the higher the likelihood

that you will be unable to meet your obligations

because you'll become over leveraged; basically

your money will be spread out too thin. Continue to

do the right thing with your money. Don't fall

victim to their catchy offers. The information that

I've shared with you is based off of a strategy that

will improve your scores. Don't open accounts just

because it was offered to you. Protect your positive

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finances and continue to give the credit bureaus a

reason to improve your credit score. You have

greater things to accomplish and behaving as such

improves your odds of being successful tenfold. But,

to keep things simple, don't be a dumb ass and ruin

your progress because something shiny was flashed

in your face.

Here's the kicker (I'm such a geek)

Even though there's tons of great information

in this book, it doesn't matter as much as it does

whether or not you do anything with it. Hopefully

you didn't waste your time and read this to achieve

nothing. I'm sure you didn't, but just in case, don't

be a fool. If you're the kind of person that struggles

with applying new information in their life, don't !168

worry. I got you! You could ignore majority of the

information that was shared with and just

implement one Credit Builder Secret that stuck

with you, you'll STILL see increases with your credit

score. So, just think of all the potential there is with

improving your credit score if you were to

implement each of the secrets shared in this book.

Not only will you have taken massive action, you

will also reap massive growth with your credit

scores. But, worse case scenario. If you were to only

implement the bare minimum, you will still see nice

increases. That my friend is the ultimate kicker, like

Jason Hanson.

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Keep this in mind

A couple years ago I went back to that

dealership. But this time it was different. I had an

advantage. I knew what I wanted and I had the

income and credit score to back it up. The only

thing I wish was different was that the car salesman

was there, but I heard he got fired on his day off. I

think they caught him stealing boxes on his lunch

breaks or something like that. Anyway, that's

another story. The point is, from implementing the

Credit Builder Secrets that I've shared with you,

you're not only going to see your credit scores

incrementally increase dramatically month to

month. But, you're going to gain the confidence to

achieve almost anything and raise your standard of !170

living because you know you have a new power.

Credit power. With the world being at your feet, all

that I ask is that you walk lightly.

Be empowered, party animal!

Be a Dough Chaser.

Never settle.

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Bonus Material

Bonus: Do you need credit repair too?

Derogatory information like late payments,

collections, charge-offs, tax liens, judgments, etc.

can be very daunting when a lender is looking to

qualify you. Yes, implementing the Credit Builder

Secrets will improve your credit score. However, it

will not guarantee your approval. Credit building is

all about adding reasons for a creditor to offer you

credit. Credit repair is all about removing reasons a

credit will deny you credit. If you're suffering from

negative information reporting on your credit

report and worried about potentially being denied

because so, credit repair is a great option.

If you need assistance with repairing your

credit, I'd love to offer our credit repair services. As !173

the CEO & Founder of a fast growing and industry

changing financial improvement company, I pride

myself on how great of an experience our clients

have when working with my company to repair

their credit. Our service is one of the most

affordable around and probably one of the best in

the industry (that's for you to decide). You can learn

more about our credit repair program at the

following link: www.the700clubcreditrepair.com.

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http://www.the700clubcreditrepair.com

About the Author Jason White, CEO & Founder of Witness Riches Jason White, 29, was born and raised in Jackson, MI. Soon after graduating from Adrian College in 2011, he found himself striving for success in Toledo, OH. It was there God told him he would make it at, so he went for it.

What you see today is a successful black man who looks like he has it all together, but what you fail to see is the years of failure and struggle behind his success.

Jason comes from what many would call a broken household. His mother suffered from drug addiction and his father served an 18 year prison sentence. Jason was raised by his mother and grandmother. He learned how to be tough and developed a strong mentality from his mother and gained personal responsibility from his grandmother. Though, many of his childhood friends succumbed to the realities growing up in poverty, Jason focused his actions on the bigger picture, living a life of significance.

After failing miserably in the insurance business, Jason learned from his failures and started his own business in 2013. Since then, he’s helped tens of thousands of people improve their finances and boost their credit scores. His desire is to one day become a dominate force within the financial industry. Teaching financial literacy and serving members of his community is his mission. To learn more about his company, please visit: www.witnessriches.com for more info.

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http://www.witnessriches.com

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For financial tools like budgets and debt snowball templates, credit card recommendations, and credit builder loan offers, join our FREE Facebook Group we created specifically for Dough Chasers like yourself here: www.facebook.com/groups/doughchasers/.

All you will need to do is provide this code to enter: DCCBS

http://www.facebook.com/groups/doughchasers/






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Documents

Credit Builder Secrets - The 700 Club€¦ · Credit Builder Secrets shared in this book, you must be ALL in. Kind of wanting it isn’t enough. To be ALL in includes you acquiring