Introduction:

When you have an idea, nothing is more frustrating than not having the money to launch it.

For example, David Balter, who was featured on the Inc. Magazine website, was turned down by 200 investors before securing funding in just 56 days. More on that in a moment…

Your Idea Can Make the World Better:

Daymond John from Shark Tank was turned down by 23 banks before starting FUBU. Howard Schultz of Starbucks was rejected by 242 banks. Even Walt Disney was turned down 302 times while trying to raise money for Disneyland.

Can you imagine a world without Disneyland? Without Disneyland, there’d be no Disney World, and Orlando, as we know it today, would be completely different. And if you’ve visited Disney parks in the last few years, you’ve probably noticed Starbucks is everywhere within them!

Now, think about all the great ideas that were never launched because their founders gave up too soon or didn’t know how to raise capital.

Think of all the fond memories people have created over the decades, developing closer relationships with friends and family, because one man had the resilience to be rejected enough times to finally get a "yes."

The Ability To Handle Rejection As An Entrepreneur:

Daymond John being rejected by one bank is tough. Coming back after being rejected 27 times? That requires a remarkable level of resilience.

The ability to handle rejection is a key trait of successful entrepreneurs.

Daymond John has stated he was rejected by 27 banks because he didn’t know how to present the information banks needed to feel confident in him. Most people approach banks and lenders without understanding what’s important to them.

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What Do Lenders Want From You?

One of the biggest mistakes people make when trying to raise money for their business is relying on personal credit or credit cards.

Banks are low-risk lenders. If you’re new to business, you’re unlikely to get the money you need unless you appear credible. Banks need confidence that you’ll repay the loan.

Even if you’re just starting out or your business is not yet established, putting in the effort to look like a legitimate business will greatly increase your chances of securing funding.

Red Flags for Lenders:

Something as simple as your email address can raise red flags. For example, I work with many businesses that use a Gmail or Yahoo email address. To banks and lenders, this screams “risky business,” making it less likely you’ll secure the funds you need.

Are You Financially Educated?

In his book The Power of Broke, Daymond John explained how his lack of financial education initially held him back. Many smart people fail to get the money they need for their projects because they lack knowledge—not through any fault of their own.

Financial literacy is rarely taught in school. Unless you read books, attend seminars, or find a mentor, you might struggle to get the funding needed for your business.

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Do You Know How to Raise Capital?

Entrepreneur Magazine states that fewer than 10% of people are familiar with business credit, and even fewer know how to leverage it. Many people put their families' futures at risk because they lack financial education.

Protect Yourself From Financial Loss:

Why risk your home and family’s future to fund your business when you don’t have to? Laws exist to protect you if your business doesn’t succeed. Using business credit instead of personal credit ensures that, in the event of failure, your personal finances remain intact.

Personal credit follows you for life, but business credit does not. If one business fails, you can start another without its history affecting you.

This is why so many wealthy individuals operate multiple businesses. They understand the importance of financial separation. Nelson Rockefeller famously said, “The secret to success is to own nothing, but control everything.”

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You Need More Than a Good Idea:

The glamour of Shark Tank often overshadows the fact that investors want more than a great idea. Many investors look for the same indicators as banks: credibility, being financially educated, and the ability to repay.

Zero To 3.5M In 12 Months:

Here’s a remarkable example from someone in my social circle:

• A 20-year-old entrepreneur went from $0 to $3.5 million in credit with 220 credit cards in 12 months.
• He raised his credit score from 580 to 770 in 12 months.
• He earned 20 million points, which translated to 160 free flights.
• Despite being turned down by 200 investors, he secured funding in just 56 days.

Blake, the entrepreneur mentioned at the start of this article, struggled because he initially didn’t know what he was doing. Once he understood the process, he got the financing he needed within 56 days.

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How to Raise $100,000 in 48 Hours:

If you start applying for business capital without first legitimizing yourself in the eyes of lenders, you’ll set off warning signals and likely be turned down.

That’s why we invite you to join our membership website. We’ll guide you step-by-step on how to legitimize yourself for lenders, secure financing, and access software and advisors to help you raise $50,000 to $100,000 in as little as 48 hours to 180 days.

Additionally, you’ll learn if you qualify for up to $12 million in FREE government funding to finance your business—just like Steve Jobs and Donald Trump did.

Visit http://BizCapital.AlphaLifestyleAcademy.com

P.S. Be sure to download your workbook and action plans, which outline how I raised $14,100 in 24 hours—without going into debt at http://RodeoDriveGroup.com

Attention: We remember 2% of what we hear, 25% of what we see and 100% of what we are trained to do. Besure to download your execution plans and follow along with us as we review todays model. Download Now >>

Dr. Daniel Amen’s from the Amen Clinic who has conducted over 83,000 brain scans in his Ted Talks video said those with healthy brains are healthier, happier, wealthier, wiser, more creative and more innovative.

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Now Einstein is someone you would never imagine of having a hampered brain. However, Einstein was considered a loser for many years. In a 2014 documentary it shows he was turned down for every job he applied for.

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His father even tried to get young Albert a job however, not even his father could get him a job.

He was so depressed by this fact that Einstein wrote a letter to his family stating “It would have been better if he would have never been born”.

Depression shrinks your brain and hampers your brain's ability to perform.

Scientist say: “Depression is like giving your brain a lobotomy”.

After some time, one of Einstein's friends finally got him a job as a lowly patient clerk.

In 1998 neuroscientist discover neuroplasicity.

Einstein was not born with his brain he built it.

In Dr. Joe Dispenzia TED TALKS which he shows your brain is like plastic and which each thought you shift the shape of your brain and build thinker and thinker neuro-connections.

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Einstein optimized his brain working 6 days a week reviewing patients. Einstein had to cultivate his brain by reviewing patients and stripping it down into a mathematical formula which optimized his brain to perform and in 1905 what is called “Einsteins Miracle Year” he discovers the theory of relativity, E=M2, and other groundbreaking discoveries which changed the way we see the world forever.

This maybe your miracle year!

No matter how many times you tried before, no matter how many times you failed before, No matter who says to you: “ you tried before” Tbis maybe your miracle year.

Just like Einstein, I struggled with ADHD, Dyslexia, and other so-called learning disabilities however, I optimized my brain to perform so I could get a job as a business strategist working for a $400 MILLION DOLLAR marketing firm many times working with executives from billion dollar companies like Crete Trucking, P&G, Victoria Secrets, and many others…

You have environmental, emotional and physical stresses that make your brain toxic and hampers your brains' ability to perform.

In order to optimize your brain to make more money, you have to detox your brain and give your brain the proper nutrition. The Amen clinic has done over 83,000 brain scans and with the help and research of other neuroscientists we have put together this simple plan to optimize your brain to make more money 1) by starting off optimizing your lifestyle, then 2) we will look at the bio-chemistry of success. 

We are a cocktail of different brian chemcials that influences our emotions and impact our personality. One of these brain chemcials is linked to higher chances of success. 

Most people let these brain chemicals control them but in order to truly be successful, you must understand how to hack your brain.

3) There are what is called in psychology as the "Big 5" personality traits however, there are 2 personality traits greatest predictors of wealth. 

 you will want to take our performance-based personality test to see if you have the 2 greatest personality traits that are the greatest predictors of wealth at http://millionairetest.alphalifestyleacademy.com 

4) In addition to our performance-based personality test we have 3 additional personality test because many companies offer .a one size fits all solution

With us, we need to understand your advantages as well as your disadvantage that way we can use your gifts to your advantage for you to get the best results.

5) We will look at how your childhood impacted your future success. Your past may have installed the pattern of failure that you must heal from if you are to succeed because no matter how smart you are in order to succeed you have to escape from these self-destructive behaviors. 

You have already taken the first steps to develop the personality traits that are the greatest predictors of wealth.

What is interesting is these are also the same personality traits that are greatly associated with longevity, health, and happiness.

I use to work as a business stagiest for a $400 million dollar marketing firm many times working with executives from billion dollar companies like Ancestry.com, Crete trucking, Toyota, Proctor and Gamble, and many others.

There are a series of common traits that we call as the billion-dollar blueprint that already established billion-dollar companies used and brought that same success to the internet.

There are unicorns where someone starts an app like Instagram and sells it for a billion dollars however when new start-up companies use these principles like Learnvest they were able to sell their company to a major investment for $250 million dollars.

But you may only want to pay your bills and financially get ahead. You may not have goals of making millions. But when we applied the principles of the billion-dollar blueprint to smaller companies it took them from being overwhelmed working 6 days a week, 10 -14 hours days sometimes.

To living your ideal lifestyle.

I want to invite you to check out the resources at the bottom of todays episode where you get the step by step blueprint to use the billion dollar blueprint to build a million dollar business in just 90 days

Introduction:

This article examines the paradox of professionals who fail to practice what they preach, focusing particularly on doctors. Despite possessing knowledge about leading a healthy lifestyle, many doctors neglect their own well-being. Surprisingly, doctors with poorer health tend to be reluctant in providing health advice to their patients. Additionally, the article highlights how American health guidelines are often lowered because council members doubt the public's ability to meet higher standards. The public's perception of doctors' prestige outweighs the importance of leading by example. The article urges individuals to seek doctors who lead by example and emphasizes the significance of personal empowerment and research in making informed decisions about healthcare standards.

Do As I Say, Not As I Do:

You know that famous saying, "Do as I say, not as I do"? Well, it seems like some people in certain industries take it way too seriously. I mean, seriously, doctors are supposed to be the health gurus, but many of them don't even practice what they preach! It's mind-boggling. And get this, because some patients are in better shape than their doctors, these doctors actually hesitate to give them health advice. Can you believe it? A recent study from Hopkins confirmed that a doctor's own health and body weight can impact the quality of care they provide. So, if a doctor is a bit of a mess themselves, they might hold back on giving you the advice you need. Talk about a poor example!

(see more >> http://theamericanchiropractor.com/2012/09/04/unhealthy-doctors-are-poor-role-models-for-patients/)

American Doctors Are A Poor Example:

We're diving into some serious stuff here. It turns out that those American health guidelines we're all supposed to follow? Well, they're lower than they should be. Why? Because some of those council members think we can't handle the higher standards. So, they take the easy way out and lower the bar. Talk about taking the path of least resistance.

And here's the kicker: when it comes to health care, us Americans have this weird notion that being a doctor automatically makes someone credible. We trust them blindly, even more than our own ability to think for ourselves. It's like we're handing over the reins of our lives to these medical professionals.

You know, Robert Kiyosaki, the finance guru? He talks about how many financial advisors are just smooth-talking salespeople. We look to them for guidance, thinking they'll lead us to financial success. But guess what? They often have a conflict of interest. They might not offer the best solution for us because they're more focused on what benefits them, not us.

And guess what? Doctors can be guilty of the same thing. When we're sick, they tend to whip out their prescription pads or recommend harsh medical procedures because, well, that's what they sell. It's like they're running a business, not always putting our best interests first.

But here's the truth, my friends: doctors are salespeople in disguise. They're in it to make money, just like anyone else. So, we can't always assume their recommendations are in our best interest. We need to be smart, do our own research, and question their suggestions.

Death By Medicine:

You know those medical professionals we trust with our lives? Well, here's a little secret: they're not just in it for our well-being. They're running a business, and that business is all about making money. Shocking, right?

In this mind-blowing documentary called "Death by Medicine," they uncovered a pharmaceutical company that had a whopping 49,000 health professionals on their payroll. And what were these folks doing? Pushing drugs onto their patients. Talk about a twisted game.

But hold onto your chimichangas, because it gets even crazier. There's this sweet little governmental website where you can dig into how much money these big pharma companies are throwing at doctors in the good ol' US of A. All you need is a practitioner's name, and bam! It breaks down the dirty details.

You'll see which companies have been lining their pockets and the nature of those payments. We're talking consulting fees, research moolah, travel and lodging expenses, grants, and even food and drinks. It's like a buffet of corruption.

And get this: you can also check out how much these companies have dished out in total. Take Purdue Pharma, the folks behind OxyContin, for example. They've coughed up a staggering $10,977,788 in payments. And guess what? Nearly 60 percent of that cash was spent on "compensation for services other than consulting." Yeah, they're not fooling anyone.

So, my friends, don't be fooled either. Peel back the curtain, do your research, and uncover the truth. These medical professionals might not always have your best interests at heart. Stay vigilant, stay informed, and never let them play you like a chump.

And remember, you can find all this juicy info at this link: https://openpaymentsdata.cms.gov/search/companies. Dive in, and let the truth set you free!

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Finding Healthy Doctors:

Step one: Find yourself a doctor who actually practices what they preach. Thanks to technology, you've got the power to dig up some dirt on these guys. Check out their pictures and see if they work out, eat healthy, and, most importantly, what kind of health advice they recommend. You don't want some couch potato telling you to hit the gym, do you?

Step two: Knowledge is power, my friends. Take control of your own life and don't let anyone take advantage of you, whether it's your health care provider or your financial guru. You gotta be in charge. Remember, everyone has their own health methods, so figure out what works for you.

And finally, don't just blindly accept the standards your doctor throws at you. Do some research, people! We've even provided you with the tools to make an informed decision. Take charge of your health standards and set them for yourself. Trust me, it's worth it.

So there you have it, straight from the mouth (or text, I guess) of yours truly. Go out there, find yourself a doctor who walks the talk, empower yourself with knowledge, and never settle for less.
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Before you use the database, there are a few things you should understand

Primarily, just because your doctor has received money from a pharmaceutical company, it doesn’t mean they’re stooges from some evil pharmaceutical corporate giant. The majority of the money is likely to be completely innocent and simply the way business is done. To buy and sell drugs, just like any product, companies send sales representatives to potential buyers, in this case, doctors.

The fear for some people is that big pharma has "bought off" doctors into buying large amounts of a certain drug. This could hypothetically lead to the doctor being pressured to prescribe that certain drug, regardless of whether it is medically and scientifically the best option.

However, laws are in place to limit this from happening however, that does not mean this does not happen.

Introduction:

Maintaining balance in life is crucial for overall fulfillment, focusing on health, wealth, happiness, and success. Prioritize physical and mental well-being, financial stability, positive relationships, and setting goals. Optimize your brain by addressing personality traits, healing past trauma, adopting a healthy lifestyle, and staying open to new discoveries. Romantic relationships are vital, as brain chemicals play a role in attraction. Health issues can affect love chemistry, leading to dysfunctional marriages. Getting health, money, and relationships right contributes to a happy life. Remember, everyone's definition of fulfillment may vary, so reflect on your values to achieve balance and satisfaction.

The Good Life:

If you could fix any area of your life what would it be? Health, wealth, happiness, or success? Most people focus on one or two particular areas of their lives, and the rest of their lives end up in shambles.

In order to live a truly happy and fulfilled life, you must live a balanced lifestyle. What you will notice when you do find balance is, once you get one area of your life handled, the rest of your life tends to balance out as well.

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GET YOUR MONEY RIGHT!

One primary area of focus for many people is their finances. If you listen to people like Tai Lopez and Grant Cardone they will tell you that you need to get your money right! Because money impacts so many different areas of your life.

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GET YOUR HEALTH RIGHT

The first area of your life you should focus on is your health. Not only your physical health but also your emotional and mental health too. Dr. Daniel Armen from the Armen Clinic, who has conducted over 83,000 brain scans, found those with healthy brains are happier, healthier, wealthier, wiser, more creative, and more innovative.

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If you are struggling with any of these issues it is because of having a toxic brain.

Charles Eugster, a 93-year-old bodybuilder in his TED TALKS speech, explains that, at the current rate, 50% of the US population will be obese by 2030, when we are obese in the front part of the brain, called the pre-frontal cortex, shrinks.

Charles goes on: "The prospect of the most powerful nation in the world by 2030 having a shrinking brain is frightening. What's worse than being broke? Being fat, broke, and dumb."

ATTENTION! The following video is provided by a 3rd party vender. If the video is no longer available it is because the owner of the video or Youtube removed the video from their servers. we apologize for any inconvenience.

If taking better care of your health to look good is not enough to motivate you; than perhaps for the sake of your finances it is, because how successful can you be with a shrunken brain?

The people who join programs like Tai Lopez and Grant Cardon fail not because their programs didn't work, but rather because their brains are not healthy, and thus they procrastinate and engage in self-destructive behaviors.

For you to be successful you need to optimize your brain, to lose weight, to get healthy, and to make more money. 

By optimizing your brain to make more money we will:

1) We will address how to cultivate the personality traits that are the greatest predictors of wealth.

2) How to heal from past trauma that can cause us to self-sabotage ourselves.

3) Lifestyle, As you have already seen because of poor lifestyle choices this can cause our brain to shrink and hampers our brains ability to perform.

4) Because we don't know what we don't know. Every month, new discoveries about the brain are being made and we may yet not know what we are about to discover to optimize your brain to make more money.

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GET YOUR ROMANTIC RELATIONSHIPS RIGHT

Nothing brings us as much joy or suffering as our romantic relationships, which is another very important area of our lives.

Love is not as simple as "boy meets girl, boy falls in love with girl." There are a series of brain chemicals that attract us to certain types of people, who have a complimentary brain chemical, and thus causes us to fall in love. This is why scientists use the expression of "chemistry" to describe romantic relationships.

However, if either the husband or wife is unhealthy, they will not be able to properly produce these love chemicals at the adequate level. This will create a dysfunctional marriage. In addition, the #1 Cause for divorce is money problems.

#2 Reason for divorce is neglect, due to overworking.

Many marriage counselors have the lowest success rates of any counselors because they teach you how to get along with each other not the biology and what makes you attracted to each other.

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#1 Get your health RIGHT!  #2 Get your money RIGHT! #3 Get your romance or your marriage RIGHT! #4 GET YOUR LIFE RIGHT!

#1 Get your health RIGHT! - By getting your health right you will be in the proper state of mind to #2 Get your money RIGHT! And when you get your money right you will #3 Get your marriage RIGHT! because by getting your money right you will reduce the risk of the major cost of divorce you might otherwise have.

And by getting your marriage right you will have a happy life and #4 GET YOUR LIFE RIGHT!

This is the key to The Good Life is your Health, Wealth, Happiness, and Success Before we address how to optimizing your brain. We will address the keys to living a happy and successful life. 

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Conclusion:

In his 25-year study of the most successful people, Napoleon Hill's classic writings revealed 17 principles of success and 33 reasons why people fail. If you have ever failed to achieve something in life, it is likely due to one of these 33 reasons. Additionally, there are six factors that cause individuals to self-sabotage. Psychologists have discovered two personality traits that not only greatly predict wealth but also influence other areas of our lives, such as health, leading to increased joy and happiness. I invite you to take a performance-based personality test to determine if you possess these two personality traits, which are strong indicators of success. If you don't have them, don't worry, as most people are not born with these traits. We will guide you on how to cultivate them at millionaireTest.alphalifestyleacademy.com.

Attention: We remember 2% of what we hear, 25% of what we see and 100% of what we are trained to do. Besure to download your execution plans and follow along with us as we review todays model. Download Now >>

We are going to give you the steps to fix your credit however, we will also suggest a professional credit agency that will fix your credit in just 30 days.

Having a good credit score will save you as much as $300 per month on a $300,000 mortgage in a 30-year loan according to David Bach. Having a good credit score will do more than that. If you own your own company, having a good credit score will give you the business creditbiltiy you need to raise 100's of 1,000's of dollars in funding.

On the other hand, having a bad credit score can even stop you from getting a job. Andrea Rodriquez a good friend of mine who has worked for small Insurance Agencies was turned down from her Farmers Insurance job not because she was a bad worker but rather because she had bad credit.

Companies today see you as a risk and feel if you can't manage your own life how can we trust you will manage our clients. We know at times the loss of a job or even health issues are factors that effect your credit. Today you may also be paying for someone else mistakes because reports show that 79% or 1 out of 4 credit reports contain errors and information that wrong.

Having good credit will not only save $300 per month on a $300,000 30 year mortgage it will  save you on your car payments, credit card payments, furniture and everything else you want and need. Having good credit will save you on average of $500 or more per month.

Step #1 - Get You Annual Credit Report 

Get your FREE annual credit report at http://annualcreditreport.com you can also mail in a request to Annual Credit Report Service at P.O Box 105281, Atlanta, GA, 30348-5281 or call them at (877)322-8228.

Under the Fair Credit Reporting Act, you are entitled by law to get your FREE credit report from all the major credit reporting agencies. For details visit http://ftc.gov/bcp/menus/cosumer/credit/rights.shtm.

Equifax. Information Services, LLC
P.O Box 740241
Atlanta, Ga 30374
http://ai.equifax.com/CreditInvestigation/jsp/ECC_Dispute_Login.jsp.

Experian
888-387-3742
http://experian.com/disputes/index.html.

Trans Union Consumer Solutions
P.O BOX 2000
Chester, PA 19022-2000
800-916-8800
http://transunion.com/doc/personal/InvestigationRequest_.pdf.
http://annualcreditreport.com/entry/disputeonline.

Step #2 - Verify Your Credit Report

Under the Fair Credit Reporting Act, you are entitled by law to the right to verify items on your credit report.

All major credit agencies must verify items on your credit report within 30 days or these items must be removed from your credit report by law.

Any mistakes in your credit report must be removed by law.

Things To Look For On Your Credit Report That You Are Entitled To Be Removed By Law Are: 

- Missing or incorrect name of creditor
- Missing or incorrect accoount number
- Missing or incorrect balance
- Missing or incorrect last date of payment
- Delinquenies and late pays after close
- Undated late pays
- Incorrect account types
- These are some examples 

Step #3 Dispute Letter Examples

Fixing your credit is a legal issue. It's not about what is true it's about what you can prove. If what you say is true you will still need to prove it.

When dealing with credit reporting agencies you will need to use certified Mail in order to document the dates which are required by Fair Credit Reporting Act.

For Letter To Creditors / Collectors You Will Need
- Your name
- Your Address, City, State, Zip
- The creditor's name
- The credior's Address, City, State, Zip
-Current month, day, year

For Letters To Credit Bureaus You Will Need
- Your name
-Your Address, City, State, Zip
-The creditor's name
-The creditors bureaus address, city, state, zip
- Current month, day, year
-The report number the letter is in reguard to
- Your social security number
- Your birth date
- A previous address (if applicable)
- Copies of 2 Governmental ID's (License, Passports, etc...)

Rules To Pay Attention Too 
- Do not ask for more than one thing at a time
- Do not make referance to any laws
- Make your request simple
- Prove all deltetion requests
- Attach any information that proves what you are requesting
- Do not reveal to much

This Is An Example Letter To Send To The Credit Bureaus

Your Name
123 Your Street Address
Your City, Your State And Zip

The Credit Bureau
Bureau Address
Bureau's City, Bureau's State And Zip

The Current Date
In Reguards To Report Number #
To Whom It May Concern

Your Message

Respectfully,
Your Name
Your SSN
Your Date Of Birth
Previous Address (If Applicatble)
(Attatch your copies of two forms of government issued ID)

Example Of Text To Write Letters

Incomplete Reporting Issue Example
I am corresponding with you about the name and account number. This listing is missing (whatever is missing) and is causing me (describe your problem). Could you please delete it immediately.

Thank You,

On (enter date) you updated account number (enter number) however, after our intail correspondence. The listing is still incomplete and I request that you delete it.

Thanks,

Incorrect Balance Examples
I am corresponding with you to dispute account number (enter number). The balance is not correct, could you please delete it.

Thanks,

Incorrect Credit Limit Example
The credit on account number (enter number) is incorrect. You can easily see through my last statement that the high balance was ($.....). Could you please update the listing with the correct high balance.

Thanks,

Credit Limit Dispute When On Collections 
I am dusputing account number (enter number) The limit is showing a credit limit of ($........). How can a closed account have a credit limit? I am requesting that you delte this immediatly. You have allowed this and it is damiaging my credit score.

Thank You,

Undated Late Pay Dispute Example
I am writing you because the account number (enter number) containes incorrect information because of an undated late pay. Could you please delete it immediatly.

Thanks,

Incorrect Account Type Example
I am corresponding with you over the number (enter number). It containes inaccurate information reguarding my account type. Charged off account can't be open. Please delete this immediatly.

Thank You,

Date Of Last Activity Example
I am writing you to have you verif the date of last activity with the creditor for account (enter number) and (enter name).

Thanks,

Date Updated Discrepancy 
On (previous date) I had begun a dispute requarding account (enter number). It appears no actual creditor investigation was actually done, because the date verified did not change. Please delete this item immediatly.

Thak You,

Past Due Amounts After Close
Although account (enter number) was closed on (enter date). The account appears to show deliiinquencies after the closed date. Your verification procedures have allowed this which has been harmful to me and my family, please delete immediatly.

Thanks,

Date Of Last Activity Follow Up Example 
I am writing to inform you that you verified the date of last activity for account (enter number). The records of the creditor which are attatched clearly shows that the DOLA verified has violated laws of the FCRA. Please delete item immediatly to prevent civil liabilites.

Thank You,

Example Dispute Letter To Send To Collectors Agencies 
I am writing to dispute account number (enter number).

Thanks,

Example Request For Creditor Documentation
I am writing to request a copy of the billing statement that shows the date of last activity and the laste time I made the required minimum payment. I have encloised $....... for the processing fee. Please fax the requested information to (enter fax number)

Thanks,

Step #3 Removing Items 
If you have found discrepencies in your credit report you are entitled by law to have these items is removed. Even if the debt is real however, you have have the debt removed because the information about your debt is incorrect (such as: Missing or incorrect last date of payment)

Step #4 Credit Report vs. Credit Score: Credit Report is not the same thing as a Credit Score. You are entitled by law to get a FREE get report.

Credit Scores on the other hand you must pay for.

How your Credit Score is complied?

• 35% Payment History
• 30% Amount Owed
• 15% Age of Credit 
• 10% New Credit
• 10% Types of Credit Used

Why Cutting up your Credit Cards will hurt your Credit! Many experts will suggest to cut up your Credit Cards and 15% of your Credit Score is made up of the history of your Credit Cards.

The older the credit card the better it is for you.

Many of you may have heard expert suggest to cut up your Credit Cards however when you card expires you still  get a new card in the mail.

Cutting up your Credit Cards will not help you, you will need to cancel your Credit Card but this will hurt your credit score.

30% of your Credit Score is made up of amount owed. Now what has been happening is credit card companies are cutting peoples credit over night and you don't want to spend more than 33% of your credit amount.

If you have spend more you want to pay more so you keep the amount owed lower then 33% of the card limit. So be sure to check out the article: "How To Get Out Of Debt".

Step #5 Pay your bill twice a month: Because of the way that credit reports are compiled it is helpful to pay your credit card bill twice a month.

You get your bill which has the amount and then the due date. Take the amount owed and divide that by 2 and pay $50 on the 15th and another $50 on the 30th for a total of $100. Because of the way credit scores are compiled this will improve your credit.

When shopping for lines of credit do it quickly. You have two kinds of Credit Score

1) Soft Inquiry –This is when you check your own credit this will not hurt your credit score.

2) Hard Inquiry – This will hurt your credit score this is what happens when looking for a mortgage or a car loan.

When shopping for a loan you will want to buy quick so you do not hurt your score.

Step #6 Authorized User

If you were younger your parents may be responsible and have paid their credit card and bills on time but if they add you onto their credit card as what is called as an authorized user, in other words add you onto their account this will boost your credit score by ridding off of their good credit history.

If you have some friend who really trust you, you may be able to ride off their credit history to boost your own credit.

We talked more about this in the article "How Rich People Manage Their Money".

If your friends or relatives do not trust you enough to add you as an authorized user because they do not understand how it works there are complete strangers who will for a fee.

Once you download our workbook and actions plans we will give access to a list of resource filled with credit users who you can leverage their credibility in order to build your credit which you can do so for a few hundred dollars.

It is best to look for a credit user who has a balance of a long credit history and an a large credit line however, we have a starter package for just $697 which comes with a $500 and a $1,500 credit limit.

Step #7 Alternative Credit Identity 
If your credit is ruined, or need to financially protect yourself from the possibility of divorce, you may consider an alternative identification number.

Once a person become successful they become a target and so Successful people need to protect their identity with a secondary identification number for security issues and to protect themselves against fraud however, the poor and middle class can use this to get a fresh start.

An alternative identity does not relieve you of your responsibility of pay off any old debts, you are still responsible for these debt however, a alternative credit identity is a quick way to reestablish your credit.

Fix Your Credit In 30 Days
Even if you decide to fix your own credit you will not be able to do so in 30 days. We have a very agressive solution in which for those who qualify we will fix your credit in 30 days or less.

Lete from Burbank, Californaia had a credit score of 620 and in 3 weeks she had a score of 720 with our very agressive solution.  However, don't take our word for it.

Book an appointment with one of our professionals.

The downside of fixing your own credit
Not using a Professional: Credit repair may seem simple but one simple mistake or letting something fall through the creaks can drastically hurt you.

Procrastination will hurt your Credit Score: When repairing your Credit Score there are many correspondence between you and the Credit agencies with times line.

You also must pay attention to the details. So if you can not do this then I would suggest letting a profession do the work for you because I notice people let things fall through for instance,  How many of us have started something that we didn't finish?

Not Fixing your Credit in the Proper order: Things need to be done in the proper order so if these agencies are not following state and federal laws you will need to make If you are going to ask delinquency from the creditor you will need to do this before dealing with the credit agencies.

Document Everything: Once again it's not what you say but what you can prove so you want to document everything.

Failing to validate before payments: Do not make 1 payment to any collection agency until you are positive it's your debt

Re-Set Payments: Debt is a legal issue and if the debt has gone without payment long enough you are then no longer required by law to pay the bill.

In many cases it is 7 years but this law will very from state to state.

If you pay the debt this will reset this debt and by law you will then have to repay this debt so make sure you get everything in writing or emailed to you if you try do fix your credit on your own.

One trick many debt collection agencies use is to get people to only pay $1 dollar which re-sets the debt.

There are legal loopholes that may FREE you from any obligation of making further payments on your debt. The first thing you should do is to see if you are one of them by working with a professional.

There are many companies that will be happy to take your money however, we only work with professionals. They will not charge you until they are confident they can help you.

Book Appointment with one of our credit professionals and fix a solution based upon your circumstanse. Credit repair is not a one size fits all. Find the solution that fit you best.

In fact you may quality for our debt elimination program in which we use the same laws that bank use against us in order to charge us higher interst, pentalities, and other fees. We use these same laws againt the bank.

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Are you on the wrong side of the cash register?

There is more money today than has every exsisted in the history of this planet.

Why do companies sell Ferraris, Rolex watches, and Yathch? Because people buy these things, just because you do know anyone who can afford these items does not mean people can't afford them.

The problem is you are on the wrong side of the cash register.

People just like you spend money they did not have and from those investment to make money which eventually gave them the money to buy the fancy sports cars.

Fixing your credit is an investment into your futhure as you saw from the article how to turn "$5,000 into $1.2million dollars" because once you fix your credit you can fund any investment you want which will give you the financial freedom you need.

Because of what I am going to show you my great aunt who lived to 99 years old. She lived almost 70 yeas of her life on retirement.

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