News

FICO Scores On The Rise… Lets Keep It That Way!

Can You Say The Same About Yours? I know I can…

FICO ScoresThe Wall Street Journal recently released an article detailing that the number of sub-prime FICO Scores is actually falling and recently hit its lowest point since 2005.

This can have a very interesting affect on the economy as more people have more buying power and can actually inject more money and responsible consumer spending into the economy making it stronger and stronger.

However, it might be a slippery slope. While it’s a good thing FICO Scores are on the rise how do we keep them above the sub-prime rates we have been seeing? It all comes from education. It’s a pretty safe assumption that a bad credit score, whether it comes from unpaid bills or lack of credit history, normally comes from a lack of consumer education.

So…

That’s exactly what we need to keep the levels of sub-prime borrowers below the all time high of 25% in 2005. And we have a proven system that is capable of helping you build and keep your score where you need it!

I’m not say that you need to get our system (that’s proven to work). If you’re content with your credit score right now and you don’t want to build or protect it that’s fine! There is plenty of fun and education materials and videos for free on our site that you can still benefit from.

But…If you are interested in getting and keeping great credit without using a credit repair company and without spending weeks, months, and probably even years of trial and error using “free” out-of-date content you find on the internet then the Credit Repair Intelligence System, The Debt Free Bible, and The Starter’s Guide To Building and Protecting Your Credit are essential.

We did all the trial and error for you and spent a pretty penny doing it. All so you can have the credit score and debt free life that you want to live. So if you are ready to have the life you want and deserve order right now. (I’m even gonna cover shipping when you add the Starter’s Guide to your order).

If you are not ready to do it yourself call us to talk about your options! The consultation is free and can often be the vital first step to better credit and a better life. Call us 1.800.450.1248

Start with our complimentary e-book to find out some of the secrets the banks and credit bureaus don’t want you to know…

Want to read the Wall Street Journal Article:

http://www.wsj.com/articles/consumers-improving-credit-scores-give-banks-reason-to-cheer-1466587801

What Our Lawyers Make Us Say: CR Publishing publishes and provides quality and actionable do it yourself products and information to consumers who want to improve credit and/or to get rid of debt. The articles and information provided herein are for informational purposes only and are not intended as a substitute for professional advice.
FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

What is the Debt Free Bible?

debt free bible
Debt isn’t always your fault. But we all know its hard to get rid of once its there.

Often it is hard to pin point one area of debt or credit repair to start. That is why when the Credit Repair Intelligence System was created it covered multiple topics. Its just the nature of the beast. Similarly, to building or repairing credit you can’t do just one thing. You often have to try multiple strategies at the same time.

The same goes for fixing debt! There is not one strategy that will fix everything. And experts would probably agree that you often have to use several and combine some strategies to be most effective.

That is why The Debt Free Bible combines 19 different strategies and secrets that are ready for you to discover right now. The Debt Free Bible is over 280 pages of knowledge that is ready to be absorbed.

But be aware…

This is not some fly by the night system. It actually took a little over 2 years and over $25,000 to create it. Our friends at Zodiac Publishing really created something special for the country here.

Just some of the methods can start helping immediately:

• Use the ”Method Matrix” to compare 19 get out of debt methods and pick the best one (page 222) 
• Discover how to get one bank pay off another bank with the ”IR Method” (page 163) 
• How to use the ”Overflow Method” pay off any debt faster (page 159) 
• How to pay off your bills FASTER with no extra money using the ”RR Strategy” (page 167) 
• Why the ”LBF Technique” gives you a psychological advantage to become debt free (page 169) 
• Why the ”HIF Method” should be used FIRST on debts over 24% interest (page 171) 
• How the ”Division Method” and a calculator can get you debt free 8 YEARS SOONER (page 173) 
• Pay off your mortgage in only 6 YEARS with the ”AP Strategy”

But using just The Debt Free Bible or The Credit Repair Intelligence System is sometimes not enough. Luckily we are able to provide both for the ultimate debt fighting and credit building system.

Not only that but we are there every step of the way! Our Members-Only Forum, staffed by our Credit Expert Dan Sater (Check Out his Bio), is there for you to access and ask him questions! Having some guidance through the credit building or repair process is what separates us from the other guys. And now with The Debt Free Bible you can build the debt free life that you want and deserve for you and your family.

If you are interested in keeping up with this blog and want a free report be sure to sign up here! We will provide some of the most up to date news, info, and thoughts in the industry.

If you know you are ready now to fight debt and win then order the entire Credit Repair Intelligence System and get the Debt Free Bible for 50% off! I’m even going to throw in the shipping for you!


If you want more information about anything let us know and one of our team members or myself will contact you!

What Our Lawyers Make Us Say: CR Publishing publishes and provides quality and actionable do it yourself products and information to consumers who want to improve credit and/or to get rid of debt. The articles and information provided herein are for informational purposes only and are not intended as a substitute for professional advice.
FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

What Law Actually Makes The Creditors Listen?

FCBAThere is a lot of confusion about how the the Fair Credit Billing Act (FCBA) can be used in the credit repair and credit building process.

The FCBA is really a part of the more extensive Truth in Lending Act and it regulates how creditors are supposed to behave and allows you the right to request large amounts of information regarding your billing and payment history.

One provision of the FCBA is often not utilized because it can be confusing to understand from the general wording. This provision is actually the foundation of a great credit repair tactic.
 
The provision essentially states that an individual has 60 days to dispute an unauthorized charge. This seems pretty straight forward. However, in the summary of the tactic, we did not request a disputed charge. The tactic that we want to use here involves another provision of the law- the “Information Request”, and this is a broader term that is not restricted by a limited time period.
 
The FTC summarizes the statute’s prohibitions as: “unauthorized charges; charges that list the wrong date or amount; charges for goods and services you didn’t accept or weren’t delivered as agreed; math errors; failure to post payments and other credits, such as returns; failure to send bills to your current address — provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends; and charges for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification.”
 
As you read the list of requirements the FCBA, just imagine the credit repair possibilities. Consider something like this…

“In compliance with the Fair Credit Billing Act you are obligated to fulfill with my request for documentation to substantiate the reporting of my account to the major credit reporting agencies. Please provide documentation on how you charged my account, how you calculated the interest rate, as well the full accounting history of where you mailed each of my bills. If you are unable to comply, then please remove your reference to this account from every reporting agency you have reported to. Your expeditious compliance is expected.”

 
The above example from DisputeSuite.com is considered an “information request” and is something no creditor wants to mess with. Creditors are in the business of lending money and not dealing with credit reporting information. So instead of wasting their time with finding all the requested information, they will often simply remove the marking.
 
While FCBA was created to assist consumers with current account disputes, it is actually very effective with older derogatory marks. No company wants to be accused of breaking the law even if it was a few years in the past. This is especially true of creditors. Creditors are highly motivated to avoid even the hint of a lawsuit or some public embarrassment.
 
So this is something to keep in mind when disputing with creditors. You will want to ensure all the below stipulations are met, otherwise request they stop reporting the account to the credit bureaus.
• The account was created at your request.
• Every item billed to an account was billed correctly.
• Every statement was created in a timely manner.
• Every statement was sent to the correct address.
• The creditor never ignored change of address requests.
• The creditor never ignored disputed charges.
• Ignored change of address requests, or disputed charges which weren’t facilitated correctly didn’t contribute to negative credit reporting.
• Interest and late fees were computed in accordance with federal law.
• The creditor didn’t break their contract with their customers in any way.

Remember one of the FCBA’s main credit repair uses is to allow you to request broad amounts of information from the creditor on your account history. It is not asking for verification of the account or making a claim—it is asking for a boat load of information.

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Are You Going To Let Fraud Follow You On Vacation?

Keep your card safe during your summer travels.

While the U.S. leads the rest of the world in credit card fraud it can happen anywhere. But that doesn’t mean we should make it easy or let it happen.

Whether you are going to be traveling internationally or domestically it is important to follow a couple safety measures to keep your card out of the hands of thieves and criminals.

One of the most important things to do pre travel is to notify your bank and your credit card issuer of your itinerary. This is especially important if you are going to be overseas and can’t easily reach your card company. Give them where you will be each day. Not only will this protect you it will also prevent their security features from shutting your card down unexpectedly.

You also need to pack smart. Especially when traveling to another country. Chances are you are not going to need every single card in your wallet when you are traveling. The risk is not worth having those cards with you. Generally, you should have your credit card that you have decided to use, maybe a bank card, cash, and maybe a backup credit card. Having extra cards that you are not going to use is just asking for trouble. If you lose your wallet or one of those cards falls out its more trouble that you have on a vacation, you are using to get away from it all… So stop making more trouble for yourself.

A little while ago we wrote about the U.S. switch to chip card. (Check Out That Blog Here) Luckily this is the norm with the rest of the world and has been for sometime now. It is important that while you are traveling in the states and even just with every day purchases that you always take advantage of that little chip in your card. A 2015 study showed that in 2015 the United States accounted for 47% of the world’s credit card fraud while only accounting for 24% of the world’s card volume. With EMV Chips this will go down. So if you have the option always use the EMV Chip Reader.

Protecting your credit shouldn’t be hard. And it certainly doesn’t take paying a company $50/ month for ID Theft Protection. Get the Starter’s Guide for Building and Protecting Your Credit.

If you are ready to unleash your full credit potential discover the Credit Repair Intelligence System.

If you haven’t already be sure to get your copy of our complimentary e-book.

And Be sure to follow us on facebook for the most up-to-date credit building and debt fighting news.

For sources and to read more on card fraud in the U.S. go to
Read more: http://www.nasdaq.com/article/credit-card-fraud-and-id-theft-statistics-cm520388

3.5 Vacation Tips To Keep Your Wallet and Credit Safe

www.creditrepairpublishing.com/starterguide

Budgeting For Vacation With Credit Cards

There are a few things that you NEED to know to avoid those post vacation headaches and “Oh Crap” moments. Vacations are fun for the family, they are a great way for you to blow off some steam of the daily grind, and unfortunately they can be real wallet breakers.

But if you plan smart and ahead of your vacation you can have just as much fun and keep your credit and wallet intact.

1) It’s a smart idea to lower any debts well before the planned vacation. – Part of what makes up your FICO Score is Credit to Debt ratio or your utilization ratio. This really means how much of your credit line are you currently using? Paying down your balance frees up more of your credit line to use. Traditionally we should be spending between 10%-30% of your credit line. But remember… Never spend more than you have in the bank.

2) Create a daily cash or credit usage allowance: Having cash on hand is always a good idea. Especially if you are traveling internationally and have a card that charges International Transaction Fees. No matter what method of payment you are using you need to be setting daily spend limits. Basically make small daily budgets within your total budget.

- For example, plan to spend a total of $500 on food for the total trip? Maybe one day you will spend $30 and another you will spend $60 based off what you have planned for those days.
- If you go over your daily cash allowance or credit allowance dipping into the next day is alright but you will have less to spend later on. If you do need to spend over your daily allowance, try to spend that much less the next day to keep the rest of your budget intact.

3) If you ARE going to use a credit card on vacation (domestic or international) it is important to include those charges in your budget planning! When you get back from vacation and you get your card statement you will need to be able to pay for the transaction you made while on vacation. So be sure that in the budgeting process you take into account what your daily card limits are. Make sure you stick to them while on vacation, and make sure you move that money to a savings account or be sure to keep that in your bank before vacation to pay your bills after.

3.5) If you are traveling internationally and you have a card that charges International Transaction Fees you need to add about 5% for each transaction. This is important to take into account because by the end of your trip those fees can really add up and be a problem.

Its important to protect your credit this summer! The Starter’s Guide To Building And Protecting Your Credit can keep your credit in shape.


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The summer is the perfect time to build great credit. The Credit Repair Intelligence System and the Debt Free Bible are THE guides on building your own credit and fighting debt and winning.

Little-Known Collection Tactics that are Illegal

FDCPA Violations make us angry

FDCPA Violations Can Be Frustrating!


Its almost inevitable that you will encounter at least some form of correspondence from a creditor or collection agency. Luckily there is an important piece of legislation that protects you from vicious collectors. The Fair Debt Collection Practices Act or the FDCPA was first approved in the late 70’s and there are some very specific clauses that protect you the consumer from third party debt collectors.

Read on to find out about some tactics debt collectors might use but are actually illegal…

Many debt collectors will actually resort to threatening a lawsuit against you.

Really this is a “scare tactic” if nothing else. If you’ve ever been threatened with a lawsuit it can be frightening. But did you know that it is actually unlawful under the FDCPA to threaten suit if no such action is actually intended. Under the FDCPA, the attorney cannot sue you in a state that is not your home state. Therefore, the threat is an empty one. And lucky for us these empty threats are actually punishable under the FDCPA!
 
Even if they are in the same state and do intend to sue you it is unlawful for such a suit letter to be sent unless the lawyer reviews the letter first. Its almost impossible for a lawyer to review the thousands of letters the debt collectors send out. So when the correspondence is not reviewed by counsel, the correspondence violates the FDCPA.

If you have ever received a collection letter threatening legal action you should go back and look at the letters. Were they signed by hand? If not, perhaps they were not reviewed by a lawyer. You may have a case under the FDCPA.
 
The collector’s threat to “make this go legal” or to “turn the matter over to the legal department” may also violate the FDCPA. If the collector has no designated legal department.
 
Do you think that the collector may be a collection operation only? If so, perhaps they have no legal department, i.e., the legal aspect is handled outside of the company. In this scenario they would be committing another violation of the FDCPA. This is easy to look into and can help build a case using the regulations found in the FDCPA.
 
It is also a violation to send a letter stating that the collector will “recommend litigation” or “advise the creditor to sue.” Such correspondences have been found to violate the FDCPA because it, in essence purports to give legal advice to the creditor.
 
The collector is not permitted to give legal advice, unless, the collector is an attorney.

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Protect Yourself and Your Credit: More Credit Myths You Need To Know

The internet, traditional media, TV media, news magazines, and papers are full of useful and accurate information. But, they are also littered with inaccurate and dangerous falsehoods and myths. It’s hard to know what to trust and to believe. And when it comes to credit and credit repair or building credit, much of the information is outright false or inaccurate. For example, have you ever heard or believed either of these two common credit myths?

Credit Myth No. 1: “The credit bureaus are government agencies.”

Completely false. Credit bureaus are for profit companies.

They collect data to sell to lenders and other credit providers, landlords, insurance companies and more. They are not affiliated with the government but are governed under the Federal Trade Commission.

Credit Myth No. 2: “Credit Repair is against the law.”

Again, totally false. Infant, federal and some state laws specifically protect your right to repair and enhance your credit score.

The Federal Credit Reporting Act and Credit Repair Organizations Act both specifically state that it’s legal for you both to repair your own credit, or hire someone to do it on your behalf.

It’s not always easy to repair your own credit. Many people don’t even know where to start. But, if you are a person who can and does do it yourself there are some great resources that will walk you through the issues and the specific steps that you can take.

Click here to get more information on repairing your own credit, a starter’s guide or the full Credit Repair Intelligence Guide.


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Holiday Credit Balance Got You and Your FICO Score Down?

Your Best Strategies for Balance Transfers, Debt Reduction and Credit Card Issues After The Holidays
Now that they’re over (the holidays) and the fun and merriment of both giving and receiving
gifts has become a thing of the past has your holiday cheer started to turn to anxiety and
worry over racking up a larger credit card balance?

Worried about your credit score?

How to pay the cards off?

Unsure about whether to apply for more credit or to transfer a balance to another card?

You’re not alone. And, it’s not your fault.

Well….maybe you did go a bit overboard, but there are literally billions of dollars spent
every year trying to convince you to overspend.

The social pressure is killer.

And, you’re a good person, you want to be kind, and many people are nice to you and deserve a gift in return.

So what now?
Well… take a deep breath.

Relax (you’ll feel better) and let’s look at the options and what really works …or doesn’t.

Let’s look at the traps, pitfalls, and the best way outta this little mess.

First, you should know that there are a lot of balance transfer credit cards out there, designed specifically for anyone who is carrying a balance on their credit card and paying high-interest fees each month. In fact, there are so many it can be challenging to determine how one is better or worse than the others. We took an in-depth look at some of the card offers out there to answer the question “is it good to transfer a balance from a high-interest credit card?”

The short answer is that it can be a great choice to transfer a balance and it can save you hundreds or thousands of dollars if you’re currently paying interest on another credit card.

But, and this is a big one….you have to understand how your credit score works and some fundamentals about getting rid of debt (click here for the debt free Bible Holiday Discount Offer) (to learn more about FICO click here).

And the bottom line is that if you apply and qualify for a new card then it might help your credit rating . However, you cannot add more to the balance. You will have to use the low or zero interest rate period to methodically payoff that credit balance before the introductory period runs out. Add to the balance will probably hurt your credit and get you deeper into debt.

So if you’re going to do a balance transfer, look for a card with the combination of a lengthy 0% intro APR and no balance transfer fee. The in-depth answer, as well as the card’s pros and cons, is explained below.

A strong solution, would be a card offering a 15-month 0% intro APR on both balance transfers and purchases. A shorter into is fine but remember, you have to get that balance paid off during the introductory period.

Many cards offer a 0% intro APR, but you’re looking for a card where you won’t pay any balance transfer fees to move your balance(s) onto the new card.
That’s a huge win, since these fees are typically 3% of the balance you’re transferring, which can add up to big money. For example, if you’re transferring $10,000 you’d probably pay $300 in fees with many cards – and that just adds to your woes.

In review, ideally, you should try to find a card where you pay absolutely nothing to transfer your money, and where you have 12-15 interest-free months to make payments against the balance.

For example, if you were making $700 monthly payments on that $10,000 balance and had a 20% interest rate, it would take you 17 months to pay it off and you’d pay over $1,500 in interest. If you transferred that balance to a new card with the features we’re reviewing, you’d pay it off in 15 months with no interest, saving $1,500 and paying absolutely no fees. Also, make sure you transfer your balance in the first 60 days (or the permitted time) to take advantage of the as after that time there will frequently be a fee.

In addition to the 0% intro APR on balance transfers, you’ll also want a card with no or low interest on purchases and if possible, a lower permanent APR or interest fee. This is a great way to make any big (or small) purchases you need and save money on interest fees for over a year. If you’ve been known to make a late payment or two you’ll appreciate a card that has a no penalty APR.

This means your interest rate won’t increase if your payment is delayed. We don’t recommend ever, or worse yet, habitually, paying your bill late, but it’s nice to know if it does happens you won’t be penalized for it in the interest rate.

NOTE HOWEVER, that late payments will affect your credit score and this may drive other costs such as loan interest rates, car leases and other costs including insurance higher. Pay on time and reap the advantages of a better FICO score.

Other Things To Consider

So to get a handle on what’s out there and if things like foreign travel fees and travel or other rewards are important to you then check NEXT’s Balance Transfer Calculator to see which card is the best choice for your particular situation. We have no relationship with that site but it does offer a good side by side review of a number of different.

Whatever choice you make, consider our Debt Free Bible to help you to reduce or eliminate debt and those burdens from your life and/or Our Credit Repair Intelligence System to make sure you clean up and understand your personal credit.

Want the best deal?

Get a discount and a jump on a better 2016 and beyond when you order both…just click here for our new year 2016 discount offer and make 2016 the year when you get things under control.

P.S. Not ready to tackle your debt or credit? But want to know more? Click here so we can keep you up to date. And get a complimentary e-book”

What’s Fraud Costing You?

Credit Card Fraud is one of the most common forms of ID theft out there. It can also severely damage your credit score and ruin your credit reports.

What can you do to protect yourself?

Well you could always sign up for one of those ID Protection Services.

But those are expensive and you can spend hundreds of dollars on a service that doesn’t really do too much in terms of protecting your credit or your ID.

There are ways that you can actually protect yourself for free.

How?

Well a good place to start is to get a copy of your credit reports. Just go to the only federally sponsored website that allows you to request your three major credit reports for free every 12 months. This allows you to see for yourself what’s on your credit profiles.
www.annualcreditreport.com

Once youve done that let us show you how to protect your ID for free with the Credit Repair Intelligence System.
Check it out here: CR Publishing Blog

Working on Boosting Your Credit? Understand this New Scoring System

What Some Recent Changes to the FICO Score Mean for You!
But Only If You Know How To Take Advantage Of The Changes

Recently Fair Isaac Corp, the company behind the FICO Credit Score, decided to redefine what it will include in calculating your score.  The new Score will be called the FICO 9 and it can drastically change your credit score for the better – if you’re careful and understand how it works.

An important article in the Wall Street Journal notes that “Fair Isaac Corp. said Thursday that it will stop including in its FICO credit-score calculations any record of a consumer failing to pay a bill if the bill has been paid or settled with a collection agency. The San Jose, Calif., company also will give less weight to unpaid medical bills that are with a collection agency.”

This means a couple things potentially positive things for you!

This means that  more people (possibly you) will qualify for more loans with lower interest rates and a better credit score than you ever had before. This means if you are someone that has either settled a claim with a collection agency or you have unpaid medical bills your FICO Score won’t take as much of a hit allowing you to get better loans with lower interest rates.

This is all great!

However, there are some things that you need to keep in mind.

The first is your new ability to get more credit!

Its great that many personal FICO scores will go up this fall but getting more credit isn’t always the best thing. Remember being able to promptly pay off your obligations is key to keeping that high credit score! And having a better credit score means that you might be able to buy a home, a car, or something you’ve been saving for or planning for.

Always get the amount of credit that you can handle financially. This ensures that you won’t run into other problems that could damage your credit score again.

FICO and other credit rating agencies roll out new scoring methods every few years. It is important to stay up to date on how your credit score will change with these new scores.

Even with this new scoring system Credit Card Debt is on the rise!

But, if you’re interested in buying a car, getting a loan, buying a home then you need to understand how to improve and to protect your credit rating
and (when possible) to lower your Credit Card Debt…Find out more about how to do it without paying a credit repair business from the Credit Repair Intelligence Guide.

Be sure to read the Wall Street Journal Article and watch the video  here: Wall Street Journal Article on the FICO Credit Score . And, remember to stay current with new credit regulations and scoring systems. Click here to learn how to boost your score and to get better credit…on your own.