Credit Repair E-Course
Learn How to Improve Your Credit Score and Get Back on Track!
We are credit analysis and credit repair experts who have helped people just like you improve their credit scores, take back control of their finances, and get on track to a better financial future!
We know how valuable this information truly is because our clients willingly and eagerly pay us to provide custom counseling and credit analysis on a regular basis.
We want to be your partners in success. We want you to think of us as the ultimate resource for personal finance information and, of course, everything you need to know about credit repair, credit analysis, and credit reports.
So our decision was easy and obvious: we’re just going to give you everything you need to know 100% FREE. No questions asked. No secret gimmicks. No hidden charges. No credit card information to input. Nothing. Nada. Zero. Zilch.
That’s right – we’re going to give you the secret recipe to our special sauce and let you use it to completely transform your credit picture, and we’re not going to charge you a thing. And this is exactly what you are going to get…
The Complete Do-It-Yourself Credit Repair Ecourse
We are giving you – totally FREE – 30 Lessons on how to completely transform your credit picture and put yourself back on track financially. These lessons cover everything from the basics of credit repair to the long-hidden secrets of Personal Finance masters like Robert Kiyosaki and Donald Trump.
30 Targeted Lessons
- Why Credit Repair?
- The Legal Side of Credit Repair
- What is Debt Management?
- Do It Yourself Credit Repair Concepts
- The Top 10 Mistakes People MAKE Before Credit Repair
- Bankruptcy & Credit Report Skeletons
- What is a Credit Score?
- Obtaining Credit Reports
- How to Analyze Your Credit Report
- What You Can Change in Your Credit Report
- Avoid Credit Inquiries
- Evaluate Your Existing Credit Accounts
- Writing Letters to the Credit Agencies
- How to Qualify for a Credit Card
- How to Qualify for an Auto Loan
- How to Qualify for a Home Loan
- Evaluating Your Credit Report
- Monitoring Your FICO Score
- The Top 10 Mistakes People Make AFTER Credit Repair
- How to Save Money Every Day
- How to Invest Money Like a Pro
- How to Manage Your Home Equity
- How to Manage Your Insurance
- Real Estate Investing Tips
- Make Money Online
- Start a Local Business
- Get an Online Education
- Improve Your Tax Picture
- Creating a Lifetime of Wealth
- Looking Back & Looking Forward – Master Review
As you can see, this E-Course is about much more than just basic credit repair since we know that cleaning up your credit report is just the beginning of a process. Now you can begin taking all the right steps to get back on track - one lesson at a time!
Get All 30 Lessons by Email - Sign Up Today… FREE!
Private: 5 Easy Steps to Financial Freedom
Thank you for submitting your information!
Please follow the directions below to begin your credit repair process today…
Step 1 - Complete Our Confidential Contract
Click here to download and read our client contract.
Step 2 - Submit via Mail or Fax
Fax:
559.876.9488
Address:
Diverse Marketing Group
1320 E Shaw Avenue
Suite #138
Fresno, CA 93710
Step 3 - Obtain Your Current Credit Report
You can obtain your report in one of two ways.
*If you have recently filed for a home or car loan, you can get in touch with the loan agency and request a copy of your credit report be faxed to 559.876.9488
*Otherwise, you can obtain your credit report online and fax or mail it directly to us.
Step 4 - Consult with Our Experts
With your credit report information, our team of experts will begin helping you on the road to recovery. This is where our credit report analysis expertise comes into play!
Step 5 - See the Results!
We will be in touch with you in 1-2 business days. We’ll explain the process we employ to help you restore your credit rating and begin to enjoy all the advantages that come with it.
Contact Us
You can also contact us directly by phone at 559.917.8342 or by fax at 559.876.9488 or by completing our easy online contact form here.
Newsletter
Join our special list for updates, specials, and announcements. If you’re interested in receiving weekly updates from us, just complete the form to your left and confirm your request in your email inbox .
Your email info is safe with us and will only be used to provide you with relevant information you came searching for on our website. We hate spam too, so we’ll never sell, rent out, or otherwise distribute your information to anyone else for any reason. Period.
About
We are a local credit analysis agency in Fresno, California ready to serve Central Valley residents today! If you have bad credit and are suffering from financial stress, you are not alone and we are here to help.
We work one-on-one with you as a local agency by first analyzing your credit so you can repair it the right way.
Millions of Americans contend with poor credit every day. They know from personal experience the degree to which poor credit can desolate a person’s life and serenity.
The distressing impact of poor credit is personal as well as financial.
People with poor credit will be obliged to pay greater (and often MUCH greater) interest rates for mortgage and car loans, the result being that they will have had to pay many thousands of dollars extra over the life of their car and home loan, money that could have been put away for college or retirement.
If you have a Low Credit Score you stand to pay a very high interest rate:
FICO Score APR*
* 720-850 5.860 %
* 700-719 5.987 %
* 675-699 6.530 %
* 620-674 7.693 %
* 560-619 12.412 %
* 500-559 13.069 %
*California averages from daily research by Informa Research Services, Inc. at www.informars.com
But what’s even more distressing than that? People with EXCEPTIONALLY bad credit may not even be able to get a loan! The “American dream” of home ownership might forever remain just that for these unlucky individuals - a dream! They might be prevented from getting a credit card or a car, or even credit to purchase basic household appliances. Poor credit can affect the rates a person must pay for insurance, and even prevent them from getting a job.
But the difficulties caused by poor credit go way beyond financial. They can affect one’s relationships, cause emotional and mental anguish, and even cause stress that can lead to bad health.
On the other hand, having good credit can mean a better life. It plays a critical role in a person’s future, both personal and financial, and opens up opportunities that would otherwise be missed.
One out of every 3 or 4 Americans endure the bad effects of poor credit. If you happen to be one of them, there’s something you need to know …
Click Here to Get Started Today!
Credit Facts
Just What is a Credit Bureau?
A “Credit Bureau” (also called a “Credit Repository” is a private company that gathers, stores, and records the credit history and payment habits of millions of people. They generate billions of dollars in profits by selling these records to mortgage and other lenders.
The Credit Bureaus have no legal authority as they are in no way affiliated with the United States government. But, nevertheless, they do have enormous power and influence over the lives of virtually every American, including you!
The three major credit bureaus are - TransUnion, Equifax, and Experian.
What is a “Credit Report”?
The credit bureaus gather information from lenders, debt collectors, public records and the court system. They put together this information on individual consumers into a file called a “Credit Report.”
Your credit report includes information on your open and closed accounts with mortgage lenders, auto loan lenders, credit card companies, and merchant lenders.
It also includes public records such as liens, repossessions, court judgments, foreclosures and bankruptcy.
Now when a lender is evaluating someone for a loan he will contact one (or more) of the credit bureaus and buy a copy of the credit report for that applicant. Based on the information in the credit report and “Credit Score” the lender will decide whether the borrower is a good risk or a poor one.
After reviewing the credit report the lender decide whether or not to grant the borrower a loan. If he is granted a loan, his credit report and score will determine what interest rate he will have to pay.
What is a “Credit Score”?
Each credit Bureau assigns you a 3 digit number based on the data in your credit report. This is called your “Credit Score” and it is meant to show your credit worthiness. The higher your score is, the better your credit.
This table will give you some idea of what constitutes a good or a bad score.
Below 585 Very poor
585 - 669 Poor
670 - 699 Fair
700 - 729 Good
Above 730 Excellent
Each Bureau uses a different mathematical model in determining your score, and so your credit score will vary depending on which Bureau is reporting it. But they are likely to be not for apart.
To get your credit score and credit report right now:
In calculating your credit score five basic factors are considered in varying degrees, approximately as follows…
Payment History 35%
- Have you made timely payments on your bills?
- Have there been late payments?
- Just how late?
- How often have payments been late?
- Have accounts been turned over to collection agencies?
- How many?
- Are there repossessions on your credit report?
- Have you ever been in bankruptcy?
Current Level of Debt 30%
What is the total level of all your current debts?
Length of Credit History 15%
How many years have you carried debt? Lenders like to see a long history (of accounts paid on time) and not a short one
Types of Credit 10%
Most accounts are either “revolving” or “installment” accounts.
Mortgage and car loans are of the installment kinds. You pay a predetermined amount at regular intervals.
Credit card accounts are revolving accounts. You have flexibility as to how much you pay each time, but they often do require a minimum payment.
It’s best to have a “healthy mixture” of both kinds..
Pursuit of New Credit 10%
Have there been lots of recent “inquiries” (potential lenders buying your credit report)?
Lenders would rather not see too many recent inquiries. It could mean that the consumer is in danger of “getting in over his head”.
Click Here to Get Started Today!
How Does This Apply to You?
Credit bureaus keep records on millions of citizens, so it should come as no shock that there will be a few mistakes. But unfortunately, the mistakes number more than a few. In fact, it’s estimated that anywhere from a third to a staggering 90% of all credit reports have mistakes.
Let’s say it in different words - at a very minimum there’s a 1 out of 3 chance that your credit report has errors!
Now considering the importance of your credit score those are NOT very good odds - and that’s looking at the LOWEST estimate!
And how many mistakes does it take to negatively impact your credit score
………… Only one …………
Now a person would think that regarding something as critical as your credit … something that affects your life to such a degree … that there would be a greater effort to “get it right”.
You may be thinking “Well, there ought to be a law …”
Fortunately there is! The United States Congress passed one to address the problem … the Fair Credit Reporting Act, or FCRA.
Under the FCRA everyone has the right to challenge the accuracy of information in their credit report. When you dispute information with the credit bureaus, by law they have 30 days to investigate your dispute. If during those 30 days they cannot or do not verify the accuracy of the information, by law they must remove it.
That’s wonderful news for consumers. But there’s a problem.
Looking at it from the credit bureaus’ point of view the FCRA is a “thorn in the side.” There’s nothing in it for them except lost time, money, and productivity.
And for that reason they don’t go out of their way to make it any easier for consumers. They know how to utilize a “loophole” in the FCRA, the “frivolous” issue. If the credit bureaus deem a dispute “frivolous” they don’t have to dispute it. And who initially decides if the dispute is frivolous? Why, the credit bureaus!.
Now there’s a case of putting the fox in charge of the hen house!
Needless to say the bureaus are quick to label disputes as frivolous even if they are not. And although the consumer can always take them to court if they can afford to, most people just can’t afford to hire the high priced lawyers the credit bureaus can … especially those who are paying exorbitant interest rates because of mistakes on their credit report!
Our Role in the Process
We’re adept at dealing with the “roadblocks” the credit bureaus use to confound consumers and obstruct their efforts to remove erroneous information from their credit report. Utilizing your rights under the Fair Credit Reporting Act, we aid you in challenging the correctness of information on your report, to delete accounts that could be negatively impacting your credit score.
We know how to deal with the credit bureaus and make things happen!
How Can I Get Help From a 3rd Party - Legally?
Although the credit bureaus would like to discourage you from seeking 3rd party help in disputing information on your credit report, don’t ever let them convince you that it’s in any way illegal to do so. It definitely is NOT!
Another trick they’ll sometimes use is to reply to your dispute and tell you that using help is wasting your money, and that credit repair companies are all crooks! And while it’s true that some are, what the bureaus are really trying to do is NOT to protect consumers … it’s to protect credit bureau profits by making it more difficult for consumers!
Under the FCRA everyone has the right to challenge - on his own - information on his credit report. But likewise, everyone also has the right to prepare his own tax return, and yet many people would rather hire a professional accountant due to the difficulty of navigating the complexities of the tax code.
When you put your credit in the hands of a professional you stand the best hope of helping your credit score … and getting back the good credit you deserve!
How Much Can I Expect My Credit Score to Improve?
Results are going to vary, but in most every case there is going to be major improvement.
And make note!
Regarding your credit, ANY improvement could have a huge impact on your personal and financial life … impact in the form of better interest rates, the ability to get loans that were otherwise out of reach, and less stress and emotional upset.
Are Results Guaranteed?
No one can assure improvement in your credit score. And no REPUTABLE company will!
Everyone’s situation varies. But in most cases there will be major improvement to one’s credit report and credit score … improvement that will enable the client to get a mortgage, credit card, or car loan … and at a far lower rate of interest.
Don’t forget - depending on your situation even ONE mistake on your credit report could mean a difference in your credit score - and in whether you can buy a home or not.
How Long Does it Take?
It will depend on your own circumstances. It took many years to form your current credit history, and it’s just not realistic to expect excellent credit overnight.
Nevertheless, sometimes you’ll see major improvement in just a little more than a month. Other times it takes longer. And in a very few cases it can take up to a year or more.
But in most cases there should be substantial improvement in your credit in 4 - 8 months time.
Click Here to Get Started Today!
Contact
Complete the form below to contact us, and we’ll get back to you by the next business day.
START
Let us begin the process to improve your credit score and help you get back your peace of mind.
Our services include:
1. Credit report evaluation
2. Credit score analysis
3. Credit report and credit score consultation
4. Professional assistance in contesting the accuracy of information in your credit report
5. Our professional assistance in examining and correcting other factors that could be lowering your credit score
6. The choice of retaining our services for up to 1 full year at no additional cost
7. Complete confidentiality and privacy!
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