INTRO duction


Once upon a time I was overflowing with cash and credit!  I was blessed to operate my own business at a very young age that allowed me to operate budget free. My money had no restrictions as I simply just purchased what I wanted at any given time. While I was very well equipped in my trade (cement contracting) I really lacked credit awareness. After all, I purchased everything with cash.

Suddenly on September 11, 2001, radicals associated with the Islamic extremist group al-Qaeda hijacked four airliners and carried out suicide attacks against targets in the United States. Often referred to as 9/11, the attacks resulted in widespread death and destruction.  We are still mourning as a nation because of this vicious act of terrorism.  I was clearly aware that this would have a lasting effect upon me emotionally.  However, I never saw the financial devastation lurking around the corner.  About five years later my business had dissipated immensely. As a consequence, I was simply in survival mode and that was very uncomfortable for me.  I was tired emotionally, financially, and my passion for operating my own business had evaded me completely.

Suddenly, I decided to walk away from the world of entrepreneurship and focus comprehensively on ministry. Ministry was very fulfilling for me but it presented a new set of problems for my family and I. Ministry was very demanding in every single way.  Yet, that wasn’t a factor for me because entrepreneurship was just as demanding for my family and me. Here’s the problem, it was a lot of work without the financial reward I so needed and had grown accustom to.  However, I decided to stick it out at all cost.  This decision caused me to suffer as it related to my credit score.  I watched a very high FICO score plummet to 530 or less. Truthfully, I never kept track of my score when I was in business because I never really needed if for loans. But now the paradigm was completely different.  I needed credit cards and loans like never before.  Unfortunately, I was declined one after another as I applied for credit and loans.  I knew I had to do something racial.

In 2013 I decided to make a drastic career change.  I wanted a career that would allow me to learn and understand the world of credit.  I needed to learn about credit algorithms in full detail. Even though the construction industry was prosperous again, I didn’t want to go back into business without a specific knowledge about credit.

Suddenly, that faithful day had finally arrived for me.  A friend called me and explained how he just got hired at a call center.  He asked if I would be interested in a position with his company.  I immediately said no.  He was so demanding that I filled out an application.  Because of his aggression, I was moved to asked, “What industry was it?”  He stated, “It’s a debt collection company.”  Immediately, I went through the hiring process and I became an official certified debt collector. That certification meant everything to me.

When I entered the world of debt collection my life was never the same again. Debt collectors were a different breed of people. Debt collectors were enthused rigorously by cash, collectors manipulated, embarrassed and threaten people into paying, without caring whether the bill was legitimate or not.

Once a debt collector had a debtor on the phone, they demanded that the debtor pay the overdue balance quickly. The negation was amazing! The balance was always a starting point for negotiation. On some accounts, a settlement was offered immediately.

If a debtor opts to settle, the next step was to go through an application process that really wasn’t real. Debt collectors ask for debtor’s cell-phone number, their spouse’s work phone and so on, etc. There’s no application; the phone numbers were needed to keep track of the debtor in case they didn’t meet their promise.

Make no mistake about it. Debt collection is an amazing science that requires a lot of skills and confidence. Debt collectors help debtors find necessary money to meet the obligation immediately. They’re are trained to give them financial advice that would make their account current.  They suggest that they take money out of their IRA, get a second mortgage, use credit cards and even skip a mortgage payment.

After I experienced a grandmother opting out to buy medicine to pay on a debt that she co-signed on for her granddaughter, I simply knew enough was enough for me.  I took my new-found knowledge of credit algorithms and my 530 FICO score and set out on a personal journey that is still blessing my life.  In a short period, I watched my score jump from 530 to 728 with very intentional preparation.

Credit Repair is defined as a method of disputing or rectifying discrepancies presented on credit bureau reports in order to obtain the highest and most exact ratings for consumers.

Among the most crucial matters to think back is regarding credit problems and this also means you’re not the only one who is suffering from bad credit. On the other side, there are millions of honorable, hard-working people from all around the country who are presently experiencing or have suffered troubles with their credit too. However, your awareness of the importance of having good credit has put you one step closer to achieving a good credit rating and improving your quality of living.

Even though your credit rating may seem like an intangible asset, it is one of the most valuable and important assets that you have. Without a good credit rating your financial, occupational, and personal goals are at risk of being severely limited. To obtain the privilege of using a credit card, your credit rating is checked.

If a company determines your credit to be unsatisfactory, you will be denied. From the moment, that you are denied, your quality of living is impeded. If you can’t get a credit card, you can’t even rent a car. Because your credit rating was determined to be unsatisfactory, most companies will not let you use their money.

Today more than ever, many businesses perform routine background checks during the hiring process. Once again, if your credit rating reveals something of concern to them, you can be turned away for employment.

Since maintaining a good credit rating is important today, a poor credit rating can have a negative snowball effect toward your personal goals. Good, strong credit allows you to live with financial security and enables you to purchase items without depleting your life savings.

Repairing your credit can seem like a monumental task; however, it can also be as easy as writing a letter or making a phone call. Your decision to repair your credit rating will benefit you for the rest of your life. The more time you invest now toward strengthening your credit rating, the better your quality of life will be.

This guide is intended to support and help individuals and families find the answers to the most commonly asked questions of credit repair, as well as informing them of the dangers that lurk the marketplace.

After reading this book, you will have the basic knowledge to getting out of debt, as well as information that will guide you to resources that will help you repair your credit, get loans, and so forth. This is a must-read book for anyone that has bad credit, no credit, or trying to establish a good credit.

Debt is still a widely-accepted part of our society, yet it threatens to destroy many unsuspecting families. There is, however, a shift that is happening to change that mindset – and financial stability – of those affected by it. Many people are becoming wise to the fact that debt is not a necessity of life and the only way to be truly free is to get rid of it completely. They are taking the necessary steps to kick debt to the curb and make sure it never returns.

Deciding to cut your debt takes a huge mindset shift and a steadfast willingness to change your behavior. You don’t have to be a money expert or financial genius; you must be disciplined enough to stick to a plan. The good thing is, your plan can start today. There is no need to wait until you have $1000 in the bank or your next paycheck. You’ve already taken the first step, now all you must do is act on the options that are available to you. The sooner you do so, the sooner you can begin to win with money and experience financial freedom.

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