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How to fix your credit


How I Fixed Credit Fast: Removed Collections, Charge-off, and Adverse Accounts - 30 Days - Secret!

No gimmicks. No BS. No tricks. Get the secret here:
Fix Credit Fast. Fix My Credit. Remove collections, charge-off and adverse accounts. 30 day program. This is the loophole and secret you've been looking for. These are the credit repair letters you need! No more bad credit!

NO NEED to balance transfer debt from 1 card to another card!
NO NEED to increase a credit lines!
NO NEED to pay balances!
NO NEED to pay credit card company!
NO NEED to pay collection accounts!
NO NEED to pay banks, creditors, loans!
NO NEED to keep credit utilization low!
NO NEED to get credit cards!
NO NEED to get better credit history!
NO NEED to get secure credit cards!
NO NEED for credit repair agencies!
NO NEED for credit repair attorneys!

You can do this for YOURSELF. I did and took my score from the 500's to 700s

The 609 Credit Repair Secret is a section of the Fair Credit Reporting Act (Federal Law) that does not care if the negative account is valid or not. The letter writing system, I have for you, disputes the CRA's right to REPORT the adverse account – NOT whether or not the adverse account is valid.

If you're tired of having bad credit. If you want a credit card, or utilities turned on, or want to apply for a job you need good credit!

This system works every time!

This 1 ebook comes with the dispute letters that will help you dispute your credit accounts with the credit reporting agencies -- just like a lawyer or credit repair agency would. Remove Charge-Off Accounts, Collection Accounts, Late Payments, Foreclosures, and All Other Negative Items.

100% Legal & Proven Method.

Improve credit from very poor to EXCELLENT. FICO Scores from below 500's to above 700's.

What to do, when to do it, and how to do it.

Step by step instructions how to fill out your dispute letters.

4 Levels of Dispute Letters:




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This amazing credit score hack for 2019, explained by Matthew Pillmore, President of VIP Financial Education, can boost your credit score 100 points or more in as little as 30 or 45 days! It's simple . It's easy. And it will make a huge difference to your financial success. Learn this secret today!

For those that don't like intros - 3:32 - You're welcome ;)

Interested in learning more? Schedule one complimentary coaching session now at or check out the videos below!

Raise Your Credit Score FAST:

WATCH THIS Before You Get Your Next Credit Card:

How I Use My Credit Cards:

What Makes a Credit Score?

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VIP Financial Education provides resources for educational purposes only. Our education is not a substitute for Legal, Tax, or Financial advice and results vary. VIP Financial Education encourages viewers to do their homework before taking any financial action. VIP Enterprises, LLC may from time to time earn commissions by recommending various products, services, and programs.

#800CreditScore #CreditHack #VIPFinancialEd

3 Ways to Delete Collection Accounts from Your Credit Report

3 Ways to Delete Collection Accounts from Your Credit Report

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How To Repair Your Credit From Start to Finish

Watch me show you how to repair your credit from start to finish.

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The Truth about Credit Repair - How Long Does it Take to Repair My Credit?

How long does it take to repair my credit score?

The time varies depending on the reason(s) you have a lower credit score. Two people with the same score will have two very different circumstances for that score.

The reason you hear 30 Days so often is due to the requirement by the Fair Credit Reporting Act (FCRA) for the credit bureaus to respond to any dispute you make within thirty days.

The Fair and Accurate Credit Transactions Act (FACTA), in addition to guaranteeing your right to a free annual credit report, created a loophole for the credit bureaus to take 45 days to respond to a dispute.

For easy cases, the answer is 3-4 months. For extreme cases, the answer is 12 months or longer. Most cases range from 6-8 months.

Greg Frank, known as the Credit Educator, shares his extensive knowledge and experience on debt and credit, gained while working at businesses such as Superior Credit Care.

NEVER PAY COLLECTIONS! (Remove Collections From Credit Report)

Should you pay a debt collector in order to repair your credit report or is there a better way to go about collections? In this episode Matthew Pillmore, president of VIP Financial Education, reveals the truth about collections - how to call a collection agency, what to say in order to get a collection account removed off your credit report. These tips will help keep your credit score optimized while also clearing out those debt collectors.

Should I pay collections? Should I never pay collections? Don't pay collections until you watch this video. You'll learn how to remove collections from your credit report!

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3: GRAND PRIZE - 2 Night Trip For Two to Denver and an Afternoon With Mr. Pillmore
a) 1 winner selected first week of October.
b) To be considered:
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- Win a 2 hour Skype session with Mr. Pillmore.

Current coaching members are also eligible for the contest!

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Complimentary services and products mentioned in our videos are available for a limited time only and are not guaranteed at the viewing of this video. VIP Financial Education provides resources for educational purposes only. Our education is not a substitute for legal, tax, or financial advice and results vary. VIP Financial Education encourages viewers to do their homework before taking any financial action. VIP Enterprises, LLC may from time to time earn commissions by recommending various products, services, and programs.

#NeverPayCollections #RemoveCollections #Collections #VIPFinancialEd

How I got my Credit Score from 0 to 792 - Beginner Guide

A beginner guide on how I got my Credit Score from 0 to almost 800. If you want to fix your credit score or go from 0 - this is the guide

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In today's video, I want to show you how to get your credit score from 0 to 750 and beyond! This is the ultimate beginner guide to repairing, fixing, and building your credit score. First, take a look at some of the lesser known benefits of credit card perks to get you excited, and once you're ready, let's increase your credit score!

Step 1: Get yourself a secured credit card whether your score is non existent or you want to fix bad credit. Here are the best credit cards to do that with,

Option A: Capital One Secured: (NOTE: unlike the Discover It Secured, this card has a lower minimum but does NOT have a feature to review and apply for a non secured credit card, which means you'll have to manually close your account to get your deposit back after establish credit)

Option B: Discover It Secured: (NOTE: I recommend going with this card if you have more cash for their security deposit because they have an automatic 8th month review period where you can go unsecured if you follow the steps to credit card building in the video)

Step 2: Learn how to use these cards to build your score and which factors affect your credit score. There are 5 different factors and categories responsible for your credit score, the video starts explaining at the 7:03 minute mark)

Step 3: Check your credit score! You can do this by performing a soft inquiry either on the online credit card site, or by downloading the free Credit Karma app. Alternatively, go to to get your free credit report (the only federally authorized source that allows you to check for free)

Step 4: Do the steps laid out within the video and your fico score should shoot up in a matter of months. Congratulations! This is how we were able to fix and repair our credit score using the best secured credit cards

#creditcard #creditscore #ficoscore

Why Does It Take So Long To Fix Your Credit??!!!

Welcome to my MissBeHelpful channel!


In this video I go over each of the 5 factors of your credit score in detail and explain what each one means.

More from MissBeHelpful:
How to Improve Your Credit Score FAST:
Common Credit Card Myths:
5 Things to Consider When Applying for New Credit Cards:
Become an Expert at Reading Your Credit Card Statement:
How To Improve Credit With Limited or No Credit History:
Best New Way To Improve Credit - No Credit Card Required:
How To Earn Rewards Without Hurting Your Credit Score:

Why I Don't Care About A Perfect Credit Score & You Shouldn't Either:

Should I Close Old Credit Cards?:

Let’s connect:

How To Fix A BAD Credit Score ASAP

Lets answer the question: How to fix a bad credit score FAST, and the best techniques you can use to improve your credit score as quick as possible, for totally free - Enjoy! Add me on Instagram: GPStephan

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FIRST: pull your credit report and figure out WHAT’S bringing it down. was one of the websites that recently sponsored one of my last videos, and even though they’re not sponsoring this video, they’re a fantastic service and I use them myself.

Once you have you’re report - you’re going to review it to see what’s bringing DOWN your score, and typically it’s going to be one of the following:

-One, maybe you don’t have ENOUGH credit
-Two, maybe there are late payments
Three, accounts in collections
Four, maxed out accounts
Fifth, bankruptcies or foreclosures

To fix late payments:
-Pay it off as soon as possible.
-Try to negotiate the terms of the debt and see if they can adjust your account status back to current.
-Ask if they can remove the late payment as a courtesy
-Look for inaccuracies and dispute it

To fix accounts in collections:
-Dispute any errors or inaccuracies
-Ask the lender to validate the debt
-Negotiate to pay off the collections in exchange for removing the account in collections*
-Dispute the charge once paid - if they cannot prove the debt, it’ll get removed*
*Use at your own risk

To fix maxed out accounts:
-Pay down your credit card(s) or loans
-Get more credit to lower your utilization

To fix Bankruptcy and Foreclosures:
-It’s very difficult to do
-Dispute any errors or inaccuracies
-Improve everything else to lessen the impact of this

And THAT is exactly how you can FIX a bad credit score, entirely on your own, without paying a third party company to do it for you. The process is fairly simple, it shouldn’t take too long, and the increase in your score should help save you a TON of money in future loans you get, mortgages you borrow, or even just getting approved to rent an apartment - the benefits from doing this are immeasurable.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at

Fix Your Credit | How to up your credit score 120 points in less than 30 days!

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How to Quickly Repair Your Credit in 4 Easy Steps

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Frequently Asked Questions:

Remove Hard Inquries, Collections, Bankruptcies, Tax Liens, Late Payments, student loans, etc. and get excellent credit while spending little to nothing. If you want to get an 850 FICO Credit Score, this strategy is the easiest and most effect way to get there in 30 Days.

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How to fix your credit with credit karma part 1

My credit score jumped 60 points with hints and tricks

How To Improve Your Credit Score Dramatically

🔶Check out Credit Sesame to get your free credit score:

Today we are talking about how to increase your credit scores dramatically and how costly it can be to have a low credit score. I'm talking thousands and even tens of thousands that it can cost you when you aren't paying attention to your credit score. I also talk about how I helped a family member of mine go up 50 points over the course of 6 months. I hope this video helps you better understand credit scores and makes you more aware of the impacts it can have. Let me know when was the last time you checked your credit score or credit report?


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Disclaimer: I am not a CPA, attorney, or financial advisor and the information in these videos shall not be construed as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified CPA, attorney, or financial advisor. Some of the links are affiliate links. Which means if you click on some of the links I will make a small commission at no additional cost to you. This helps keep me making videos and providing value. Thank you for your support!

Hard Inquiries Removed From Credit Report || Credit Repair || Hard Inquiries Ins and Outs

Hard Inquiries Removed From Credit Report || Credit Repair || Hard Inquiries Ins and Outs. Need help figuring out how to remove hard inquiries and all you need to know about them, well you've come to the right place. I can help you fix your own credit and repair that bad score. I have the credit repair letters that work and is how I fixed my own credit!



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Hard Inquiries Removed From Credit Report || Credit Repair || Hard Inquiries Ins and Outs | credit repair questions | fix my credit fast

How To Improve Your Credit Score Without Debt

How To Improve Your Credit Score Without Debt
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Increase Your Credit Scores from below 500 to 800+

Are you looking to improve your FICO Score so that you can begin investing in real estate?

Click the link below to register for an informative webinar with Juan Pablo!

Learn how you can fix your own credit so you can qualify for the best financing needed for real estate investing.

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How To Fix My Credit - How To Repair Your Credit From Start To Finish

How to fix my credit - how to boost your credit score instantly! these are credit card hacks you can use and that everyone should know in i'll show you how to improve your credit.

Everybody I come across asks How to fix my credit however, when I give them the answer, none are prepared to put in the work.

In this video, I explain from start to finish, How to Fix my Credit. Need help fixing your credit? Check out our credit repair service here:

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FIX YOUR CREDIT FAST!: DIY Credit Repair Secrets To Raise Your Credit Score (EASY!)

How's your credit score? Be honest with yourself. If you’ve been putting off taking control of your credit score because you don’t know where to begin, watch this video.
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Video Summary:

Today, I’ll be showing you some dirty little DIY credit repair secrets to save you some money and put you on the right financial track.

I started my career as a mortgage broker and I’ve seen first hand how much of a role credit plays in getting loans, mortgages, and the best interest rates on anything you’re looking to finance, real estate included.

I’ve helped many people improve their credit scores from the 500’s to well over 700+ by utilizing the tips and strategies I’ll be sharing today.

▶ 1) Know Where You Stand

For many people who know they have issues with their credit, they don’t want to know the actual score because they know it’s bad.

You need to face that fear and sign up with Credit Karma.

Your credit score is just a number. You can’t improve your credit score if you don’t know where you’re right now.

Check your score regularly simply by accessing the Credit Karma app online or from your mobile device.

▶ 2) Address Negative & Delinquent Accounts

It doesn’t matter what the amount outstanding or the balance is or what the circumstances are: negative or delinquent accounts will hurt you.

I’ve heard so many stories from people who’ve said: “I refuse to pay that because that charge is BS and I shouldn’t have to pay it”.

Most of the time it’s for an account balance under $1k from a cell phone carrier, a utility company, medical billing, or a collections agency.

Because you’ve avoided that negative or delinquent account for so long it’s brought the rest of your credit down.

Here’s what you need to do: Face that account head on by either paying it off entirely, negotiating a balance reduction, and working with the credit bureaus directly to have your credit report updated and request removal.

▶ 3) Address Any Late Fees Immediately

I know there are some people watching this right now who might be behind this month on paying a credit card or loan.

Maybe you were traveling or maybe you just forgot to pay if you don’t have automated payments setup.

Whatever the situation is, pay the minimum amount immediately and call your credit card or bank shortly after and request the late fee be reversed and the late payment not count toward your credit.

You’ll probably reclaim a quick $40 or more each time you do this and ensure you’re in the best spot possible with creditors.

▶ 4) Automate Minimum Payments.

If remembering to pay your credit cards or loans each month on time is a problem, automate the minimum payment you’re sending it.

▶ 5) Increase Credit Limits

Let’s say you have two credit cards and both are in good standing.

You’re always making the minimums payments and keep balances low or even pay the entire balance off each month.

Getting more credit, even if you don’t need it for anything today can be helpful as you can’t predict the future and may actually need it for an emergency one day or to finance the growth of a business.

▶ 6) Don’t Close Down Cards You’re Not Using

For everyone out there with old credit cards without balances: even retail credit cards: Kohl’s, Victoria’s Secret, or Best Buy, don’t rush to close them down.

The number of open credit lines, even if not utilized is a factor which influences your credit score so closing multiple credit lines down at once can actually hurt your score.

▶ 7) Be Mindful Of Hard Inquiries

If you’re buying a house and applying for a mortgage, expect a hard inquiry on your credit report. The same for any loan or line of credit you’re looking to open.

Hard inquiries can negatively impact your score if you’re looking to establish multiple lines of credit all the time.

▶ 8) Increase Total Number Of Accounts

Once you’ve established responsible credit practices, increasing your total number of accounts can be beneficial.

▶ 9) Borrow Credit From Someone Else

This helped skyrocket my wife’s credit score and this has helped many couples, even business partners work together as a team to get loans, mortgages, and lines of credit when both need to show income.


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How to Dramatically Increase Your Credit Score (Short Term Strategy)

How to increase your credit score. Learn more about Cash Back cards:
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We have a lot of content about different credit cards and how to optimize them, so how do you increase your credit score in the short term to qualify for premium cards?

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I hope this videos helps those who are looking to repair their credit scores and raise their credit score 150 in 7-14 days. It takes hard work and dedication but with these 5 tips that I give you today I know you can do it! Like I said in the video these tips are for people with poor credit looking to get back into just the fair category, if you have mastered raising your credit already this will NOT take you to 800 points or higher, that's a completely different ball game!

Share any tips in the comments or feel free to ask me anything!

💋SNAPCHAT: christiannah



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