Richard Le

How to instantly get a boost on your credit scores. http://bit.ly/richcreditrepair

https://richardlep3.com/case-study

Instant Credit Score Boost Do you want to know how to INSTANTLY boost your credit? Well don’t worry, you won’t need to watch a 60 minute video, or buy anything I’ll tell you right now.... 35% - Negative Items & Payment History 30% - Debt Utilization 15% - Length of Credit History 10% - New Credit 10% - Types of Credit Used These are the main criteria that credit bureaus use to calculate your FICO score. I won’t bore you with the details on how to affect 85% of your score INSTANTLY (the first 3 criteria listed previously). Become an authorized user of a credit card account from someone who you trust completely and trusts you completely. You can have them keep the card so they’re not worried about you spending on their account. This account(s) must have a minimum of 2 years of age (ideally 4 years+), perfect payment history, and LOW debt utilization (6% or less) on AVERAGE ideally with high limits. In doing this you affect: Negative Items and Payment History Debt Utilization Length of History Instantaneously you could see a SIGNIFICANT boost in a few short weeks (as soon as the creditor reports this account to your report). Now this is a SHORT TERM trick and it won’t work very effectively if you have recent (2 years or less) negative payment history, collections, etc. If you want a more permanent solution you need to know exactly how to influence and correct EVERY aspect of your credit report. I created a credit repair kit to show you exactly how to do that. Take the credit repair kit QUIZ to see if it will help YOU in YOUR specific situation. https://bit.ly/creditrepairkit2020

Learn exactly what lenders are looking at to qualify to buy a home. In this course at the time of recording credit ratings as low as 500 were acceptable, due to the pandemic of COVID-19 that has changed, be advised that typically 620 is minimum now and can change depending on guidelines and federal requirements from government backed investors. https://bit.ly/richcreditrepair follow me on social media @richardlep3

Learn in depth strategies on how to manage and get rid of your debt. Whether debt settlement is a good idea, and how exactly to increase your cash flow. https://bit.ly/richcreditrepair follow me on social media @richardlep3

Learn about the most POWERFUL tool we can leverage with our finances, our credit. Learn what you can do with credit, how your credit rating is scored, what are the correct behaviors, and all the little tricks you can use to leverage credit to YOUR advantage. https://bit.ly/richcreditrepair follow me on social media @richardlep3

Instant Credit Score Boost Do you want to know how to INSTANTLY boost your credit? Well don’t worry, you won’t need to watch a 60 minute video, or buy anything I’ll tell you right now.... 35% - Negative Items & Payment History 30% - Debt Utilization 15% - Length of Credit History 10% - New Credit 10% - Types of Credit Used These are the main criteria that credit bureaus use to calculate your FICO score. I won’t bore you with the details on how to affect 85% of your score INSTANTLY (the first 3 criteria listed previously). Become an authorized user of a credit card account from someone who you trust completely and trusts you completely. You can have them keep the card so they’re not worried about you spending on their account. This account(s) must have a minimum of 2 years of age (ideally 4 years+), perfect payment history, and LOW debt utilization (6% or less) on AVERAGE ideally with high limits. In doing this you affect: Negative Items and Payment History Debt Utilization Length of History Instantaneously you could see a SIGNIFICANT boost in a few short weeks (as soon as the creditor reports this account to your report). Now this is a SHORT TERM trick and it won’t work very effectively if you have recent (2 years or less) negative payment history, collections, etc. If you want a more permanent solution you need to know exactly how to influence and correct EVERY aspect of your credit report. I created a credit repair kit to show you exactly how to do that. Take the credit repair kit QUIZ to see if it will help YOU in YOUR specific situation. https://bit.ly/creditrepairkit2020

Learn what has been keeping you from being able to not only succeed financially but simply not be drowning in debt. Learn the real way to achieve the American dream. https://bit.ly/richcreditrepair follow me on social media @richardlep3

How I raised my credit to 780 FICO?

FELLOW LOAN OFFICERS, PROCESSORS, UNDERWRITERS, MORTGAGE PROFESSIONALS... PLEASE CLICK THE LINK BELOW to send letters to certain Senators and will address the actions of both Fannie and Freddie of the last 48 hours. They are implementing a .5% LLPA fee to every loan which is going to force lenders to increase rates...... https://www.votervoice.net/MBA/Campaigns/76617/Respond

Lovely... http://www.mortgagenewsdaily.com/consumer_rates/951943.aspx

DID YOU KNOW? Credit Repair Myths: What can and cannot be removed from your credit report? I’ve seen a lot of underground instagram credit repair gurus claiming they can remove all kinds of things from your report.... Although I don’t doubt their ability to do so, I want to make something VERY clear and well known. Just because it DOESN’T show on your report does NOT mean you don’t have to deal with it. I’ve seen insta-credit repair gurus claiming they can remove: -Federal student loans -Bankruptcy -Child support REMEMBER!!! The credit bureaus are FOR PROFIT PRIVATE COMPANIES For example, Experian is a multinational consumer credit reporting agency, they’re not even an American company (Fun fact they own Burberry) So just because a credit repair guru promises to remove these items off your credit report does NOT mean you no longer have to deal with this. If you think you don’t owe federal student loans anymore you’ll be in for a rude awakening once you get your tax returns or wages garnished Or have them place a levy on your bank account. I’m in mortgage lending As far as removing bankruptcies, that is pointless because even if they are able to remove it from being reported on your report, we run fraud guards and all kinds of checks to ENSURE that there is NOTHING that would prevent us from lending to you There are some things that you just simply have to wait until they season out before they fall off your report. However a few things that work really well in repairing your credit is: -Removing collections -Removing medical debt -Removing inquiries -Removing late payments -Adding positive history -Adding high limit tradelines -Adding aged accounts I created a kit to help with the things I just mentioned... Things that are realistically going to help in the short and long run. Take the quiz to see if your particular situation would qualify. https://bit.ly/creditrepairkit2020

Free Credit Hacks Repairing your credit is actually quite simple. There are laws set up to protect you from inaccurate reporting from the bureaus and creditors. Here I’ll share a couple free credit repair hacks to help you fix your scores ASAP:... Dispute Process - With the dispute process it’s simply going through the process of writing a letter to each bureau disputing negative information and / or accounts that are listed on your report. The bureaus are weary of credit repair companies sending letters on behalf of people so they have an automated process in which their AI systems read the letter and validate the debt. What you want to do is to HAND WRITE the letters in order to have a human being actually look at them. Pay to Delete - If you have a small collection (anything that’s affordable for you) and your intention is to simply pay back that debt, make sure you acquire a letter of deletion. MANY debt collectors are shady and aren’t even licensed to collect in your state. So if you do not acquire a letter of deletion and send them money there’s a good chance they will leave it on your report and ignore your calls once they get their money. Debt Settlement - Many debt settlement companies rip people off IMO because they are doing something you can do yourself. If your debt is completely out of control and you can’t keep up with it any longer what they’ll tell you to do is to STOP making payments, once your debts are about to go into collections, the debt settlement companies will negotiate on your behalf to settle for a lesser amount. Meanwhile they are charging you monthly fees for a few years when that money could simply be going towards your debt. Be advised this method WILL ruin your credit but if you have no choice, it may be better than bankruptcy. Climbing out of this and repairing your scores is a lot easier than if you file for bankruptcy especially if you’re looking to qualify to purchase a home. I’ve created a repair kit to help you further understand each of these steps. Take this repair kit quiz to see if my kit will help YOU in your specific case. https://bit.ly/creditrepairkit2020

Credit Bureaus Profit off COVID-19 Most people don’t realize that the major credit bureaus like Experian, Transunion, and Equifax are FOR PROFIT COMPANIES. Their business model is simple.... -Collect your data -Create a report and score based on your data -Sell your information to the highest bidder They sell credit reports and scores, they sell segmented information to debt collectors, they sell trigger data, etc. For those that don’t know, A trigger lead is a marketing product created by the national credit bureaus. After you apply for a loan, information about your application is sold by Experian, TransUnion and Equifax to various lenders that know you're actively looking for a loan and will target you with competing offers. Now these creditors, lenders, and debt collectors are not paying for ACCURATE information because many times the information is inaccurate. In sales they are simply paying for the CHANCE to get connected to someone in their target market. As many of you probably know sales is a numbers game. For the average person knowing this information makes you VERY DANGEROUS if you’re trying to repair your credit. If there are any inaccuracies there are legal loopholes that allow you to fix your credit with relative ease. I’ve created a credit repair kit that allows you to figure out how to separate accurate information from inaccurate information, what the credit bureaus weaknesses are, and how to force them to report accurately, fix and delete any inaccurate accounts which will significantly increase your scores. Take the credit repair kit quiz to see if my kit will help YOUR specific situation in repairing your credit. https://bit.ly/creditrepairkit2020

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Lucy’s review on my student loan forgiveness course! https://www.squashstudentdebt.com/free-case-study7epint00

Million Dollar Napkin Presentation The aim of marketing is to make selling superfluous to know and understand the customer so well, that the product or service fits him and sells itself. - Peter Drucker