THE SHOCKING REAL REASON WHY YOU HAVE POOR CREDIT AND WHY IT ISN’T ALLOWING YOU TO QUALIFY FOR THE CAR, HOME, OR LIFESTYLE OF YOUR DREAMS (AND THE SIMPLE FIX)

Are you tired of being denied credit every time you apply for a credit card or new car or even a simple department store card?

Are you sick and tired of being harassed daily by creditors and collection agencies and dodging their phone calls at home and at work?

Have you ever been burned by a credit repair company in the past?

Are you tired of attempting to fix your credit on your own with little to no results at all and question if credit repair really works?

Are you wondering if this is ever going to turn around or will it be like this forever? UGH…

Guess what?  I was in those shoes once. There was a time not too long ago that I was sick and tired of being sick and tired and disappointed of being denied loans because of my poor credit score.

I had dreams of owning my first home after I had my daughter.  So I proudly submitted my mortgage loan application and received the most devastating news ever.  My application was denied and it was all because I had a 535 credit score. OUCH! I had 8 collections, 2 judgments, 4 charge offs and several late payments.  It was an absolute mess.

I began to fall further and further into debt and become more frustrated and angry.  I was worried all the time – lying awake at night knowing that I wasn’t doing what I wanted to do but not knowing how to do what I wanted to do – there had to be a better way.

Have you ever experienced this feeling, or am I the only one? This could not be all there was to life.

And then I had my AHA moment…I could sit around and be sad and not do anything about my poor credit or I could face my fears and learn ways to clean up my credit.

So I did just that, I learned all about the credit laws and consumer rights and discovered a system that taught me how to improve my credit scores.  I knew right away that this was what I needed and I knew that once I had this system and implemented the strategies and techniques that I could finally get rid of the negative items from my credit report and achieve the credit scores I’ve only dreamed of.

I remember the day I started to utilize the techniques…in only 45 days I started to see negative items literally fall off my credit report.  Then in 90 days I was able to raise my score over 200 points.  My credit score soared to A+ status.

Everything changed! I was living my dream.

I was able to get pay off all of my credit card debt, get approved for high limit credit cards, business loans to expand my business and purchase a new car with a low interest rate because my old car had no air condition and was on its last leg.  I had financial freedom for the first time in my life and I didn’t want to keep it to myself.

I not only want to share the secrets and techniques with you that literally changed my life as well as hundreds of others like you, but I want you to attain the same level of exceptional credit through the same process I used.

So would you rather wait 7 to 10 years until the negative items fall off your credit report like the media tells you to do, or spend hours and hours and hours trying to do it on your own without really understanding the process and getting frustrated with mediocre results?

Or would you rather team up with The Credit Repair Queen?

I’m sure that if you are like me, you want to work with the expert in the field who values you just as much as I valued my own credit years ago.  If you think about it, would you go to court facing criminal charges without an attorney? No, you would find the best representation you could in order to get optimal results for you and your life.  It’s the same in the credit world, you need someone on your side who is going to fight on your behalf to get your exceptional results so that you can begin to achieve your financial goals and improve your overall quality of life.

Right now, if you are wondering how to get rid of outdated, inaccurate, unverified, negative information from your credit report and how to increase your credit scores to get qualified, then you should implement these simple steps right away.

First, I want to share with you a few notes that we received from other people who are a part of the PCR family that discuss how our services have helped improved their credit status. Click here for testimonials.

You see nobody wants to have low bank accounts, poor credit scores, and high interest rates and high stress due to credit issues.

We all dream of owning a home, having a reliable vehicle with affordable payments and low interest rates and a few credit cards to fall back on in case of an emergency. 

I can show you how to not only improve your credit scores, but then also to insure that you get qualified for high limit credit cards with low interest rates, and achieve your goals of home ownership, and other wishes you may have. J

Implementing the steps in our program will show you the improved qualify of life you could have with better credit.

Here’s the good news.  What you are doing right now is fixable.  We just have to get rid of the negative mindset and the bad reputation that credit repair is a scam and that it won’t work for you.  We have helped hundreds of other people achieve over 700 credit scores.

First you must ask yourself are you worth giving it a try?

Are you sick of hoping and wishing you could buy a home only to find out that you can’t get approved with a low credit score and challenging credit items in your credit profile?  Stop listening to the media and the credit bureaus who tell you that you’re only option is to sit back and wait 7 to 10 years for the negative items to be removed from your credit profile in order to achieve better scores.  Don’t continue to listen to people selling you pipe dreams because the longer you have poor credit scores, the more money they are making off you in high interest rates, and high monthly premium payments.  It is possible to turn the situation around but you have to be willing to trust the process and allow a reputable credit repair company to represent you in the battle against the collection agencies and the credit bureaus.

Now, once you think about this, make a decision to take action and do something positive about your credit and hire a credible, trustworthy credit repair company who uses a proven system to assist you in the process.

Second, you must establish a budget to insure you continue to pay all of your monthly bills on time. 

35% of your credit score is derived from how well you pay your bills every month. So it is imperative to not miss one payment to avoid a tank in your credit score.  The best way to accomplish this is to set up automatic payments for recurring monthly bills so that you do not forget to make your payment on time.  This will continue to keep your credit scores high and give you a fighting chance in this process.

Third, you must check your credit reports for inaccuracies.

Studies show that over 83% of Americans have found an error on their credit reports that caused them credit denial.  Studies also have shown that that one in five consumers had an error that was corrected by a credit reporting agency (CRA) after it was disputed on at least one of their three credit reports. The study also found that about 20 percent of consumers who identified errors on one of their three major credit reports experienced an increase in their credit score that resulted in a decrease in their credit risk tier, making them more likely to be offered a lower auto loan interest rate.  Do you fall into this percentage? What are you going to do about it?

So let’s review quickly…

If you want to improve your credit scores and ultimately your overall quality of life, then you need to make sure you make a decision to hire a reputable credit repair company to represent you. And with this representation, you wont have to worry about not understanding the process and why your credit scores are slowly increasing in small increments and taking years to complete.

Do you want to learn how to skyrocket your credit scores up to 200 points in 90 days or less so you can achieve your financial goals?

Because, it’s doable and I want to show you how you can do it too.

Decide to build the credit you’ve always dreamed of, while working less and having less stress.

Click here for my free webinar 7 Secrets to Increase Your Credit Scores to 700 And Beyond and I will walk you through my credit repair system that increased my credit scores from a 535 to a 810 in only 90 days.

Cheers to Financial Freedom,

Stephanie “The Credit Repair Queen”

Certified Credit Consultant

Empowering you to take control of your life

Educating you on the importance of excellent credit

Elevating your credit scores to new heights

Let's Get It Together!!!

Better Credit to a Lasting Relationship

Guys, it’s time to be frank. You have standards that you’ve set in choosing a potential mate. Well, it’s the same thing with us women. We want a man who shows substance, maturity and basically that he’s an adult. One of the benchmarks of adulthood is being able to demonstrate responsibility. Possessing good credit shows that you are responsible as a potential mate. As a child you could – to a degree – be carefree and frivolous without worrying about being held accountable for your actions. As a man it’s different. There are consequences for all your actions because if you don’t hold yourself accountable others will. There are consequences for overspending. There are consequences for buying things you cannot afford. There are consequences for not paying bills on time or for not paying them all together.

 A high credit score means that, as a man, you take all these consequences seriously. However, a high credit score does not happen overnight nor does it happen without effort, discipline and planning. There are some things you have to do in order to secure a more stable future for you and your potential mate.

 Tips on how to improve your credit score 

• Ask for a copy of your credit report – You can’t fix it if you don’t know what’s in it. You’re entitled to receive a free copy from each of the three credit bureaus – TransUnion, Equifax and Experian – yearly. Take advantage of this to check for errors, and to set goals. You can order this free report at www.annualcreditreport.com. 
 • Pay bills on time – The more you pay your bills on time, the higher you score will be. Pay off past due accounts first until you can catch up. Also, accounts that are from 30 – 90 days late have a negative impact on your credit score.
• Reduce “hard inquiries” on your credit report – This makes lenders think that you are a risk and it also lowers your credit score. An example of when a “hard inquiry” would be used is when applying for a new credit card or opening a new checking account.
• Pay bills in full - This will help you avoid interest payments that can sink you further into debt.
• Negotiate with creditors – Creditors will often make you a settlement offer for bills you have with them that are in collection. Take advantage of these offers if you can.

Ultimately, possessing good credit shows that you take your future seriously and desire to build a secure future with the woman you’ve chosen for a life mate. It shows that you’ve made a goal for yourself, planned and executed on your desire to live a comfortable life. It shows drive and initiative and believe me, women of substance find that very attractive. A woman with less substance might not care but it may also mean that that her expectations are low. Finding and pursing these kind of women is easy; pursuing a more secure future by seeking to raise your credit score can be challenging but worth every second spent doing so. As we age, we seek more stability and the permanence that a bank account, home, car, etc., bring with them. So you see guys, there’s a lot more at stake with having bad credit than you probably thought there was. Having poor credit could stop you from obtaining the lifestyle you want with the partner you deserve. Higher credit scores will improve your overall quality of life and may help sustain a long lasting relationship.

If you or your partner needs a boost to their credit score so they can start to live a better lifestyle, contact us at 877-292-0656 for a free consultation "Credit Score Elevation Session" to see how we can lead you from credit distress to credit success.  We look forward to help guide you along the path to financial freedom.

Click Here For Your Free 30 Minute Consultation

Cheers to Financial Freedom,
"The Credit Repair Queen"

HOW MEDICAL BILLS AFFECT YOUR CREDIT SCORE

Thе rеаl раіn оf a hоѕріtаl ѕtау mіght nоt hіt untіl long аftеr уоu'rе fіnіѕhеd wіth mеdісаl саrе. Mеdісаl bіllѕ аnd уоur сrеdіt іntеrасt іn соmрlеx wауѕ, аnd mеdісаl bіllѕ саn hаvе ѕеrіоuѕ rереrсuѕѕіоnѕ іf уоu dоn't kеер a сlоѕе еуе оn уоur сrеdіt ѕсоrе.

Mеdісаl Bіllѕ Аnd Yоur Сrеdіt Rероrt

Utіlіtу соmраnіеѕ, lаndlоrdѕ, аnd lеndеrѕ аrе thе thrее рrіmаrу ѕоurсеѕ оf іnfоrmаtіоn thаt аffесt уоur сrеdіt rероrt. Lаtе рауmеntѕ аnd mіѕѕеd рауmеntѕ mау dаmаgе уоur сrеdіt rаtіng, еvеn іf уоu'vе nеvеr hаd аn unраіd bіll gо tо a соllесtіоn аgеnсу.

Fоr оthеr tуреѕ оf dеbt, lаtе рауmеntѕ оr mіѕѕеd рауmеntѕ оnlу ѕhоw uр оn уоur сrеdіt ѕсоrе іf thе dеbt іѕ ѕеnt tо a соllесtіоn аgеnсу.

Thеrеfоrе, thе оnlу wау thаt a bіll саn аffесt уоur сrеdіt ѕсоrе іѕ іf аn unраіd bіll іѕ turnеd оvеr tо соllесtіоnѕ. Shоuld thаt hарреn, thе соllесtіоn аgеnсу rероrtѕ thе саѕе tо оnе оr mоrе оf thе сrеdіt burеаuѕ. Onсе thе аgеnсу mаkеѕ іtѕ rероrt, thе blасk mаrk rеmаіnѕ оn уоur сrеdіt rероrt fоr uр tо ѕеvеn уеаrѕ, juѕt аѕ іf іt wеrе аnу оthеr unраіd bіll.

Hоw Mеdісаl Bіllѕ Аnd Сrеdіt Соllіdе

Thе сurrеnt сrеdіt ѕуѕtеm doesn't dіffеrеntіаtе bеtwееn dеfаultѕ оn mеdісаl bіllѕ аnd оthеr сrеdіt mіѕtаkеѕ. Whеn lеndеrѕ lооk аt уоur сrеdіt rероrt, thеу'll ѕее a соllесtіоn асtіоn оn уоur rесоrd, nоt thе rеаѕоn fоr thе соllесtіоn асtіоn.

Thе рrоblеm wіth hоѕріtаl bіllѕ аnd сrеdіt іѕ саuѕеd bу thе hеаlthсаrе ѕуѕtеm'ѕ bіllіng рrасtісеѕ. Aftеr уоu rесеіvе саrе, уоu mау nоt bе bіllеd fоr аll ѕеrvісеѕ аt оnсе. Inѕtеаd, уоu rесеіvе раrtіаl bіllѕ frоm dіffеrеnt dераrtmеntѕ wіthіn thе ѕаmе hоѕріtаl. Fоr еxаmрlе, уоu mау nоt bе bіllеd fоr рrеlіmіnаrу lаb wоrk untіl mоnthѕ аftеr уоur саrе wаѕ соmрlеtеd.

If уоu hаvе іnѕurаnсе, thе соmрlеxіtу оf mеdісаl bіllѕ іnсrеаѕеѕ, bесаuѕе nоw аll оf thе рареrwоrk іѕ rоutеd thrоugh уоur іnѕurаnсе саrrіеr. In thе bуzаntіnе wоrld оf hоѕріtаl bіllіng, thе nаturаl dеlау саuѕеd bу dеаlіng wіth thе mіddlе man, your іnѕurаnсе соmраnу, mау саuѕе роrtіоnѕ оf уоur bіllѕ tо bе ѕеnt tо collections. Evеn аn іnѕurеd реrѕоn саn ѕuffеr a lоwеr сrеdіt ѕсоrе bесаuѕе оf a mеdісаl bіll.

Thе Futurе: Mеdісаl Сrеdіt Ѕсоrеѕ

Untіl rесеntlу, mеdісаl bіllѕ оnlу аffесtеd уоur сrеdіt hіѕtоrу іf thеу wеrе ѕеnt tо a соllесtіоn аgеnсу. Hоwеvеr, thе Fаіr Iѕаас Cоrроrаtіоn іѕ раіrіng wіth ѕеvеrаl оthеr іnvеѕtоrѕ tо dеvеlор a ѕуѕtеm tо dеtеrmіnе a dіѕсrееt mеdісаl сrеdіt ѕсоrе.

Thіѕ mеdісаl сrеdіt ѕсоrе іѕ соntrоvеrѕіаl, аnd сrіtісѕ аrе quісk tо роіnt оut роtеntіаl flаwѕ, ѕhоuld thе ѕуѕtеm gо іntо gеnеrаl uѕе. Prіvасу іѕѕuеѕ, thе орроrtunіtіеѕ tо vіоlаtе thе Hеаlth Inѕurаnсе Aссоuntаbіlіtу аndPоrtаbіlіtу Aсt (HIPAA), аnd mеdісаl іdеntіtу thеft аrе juѕt a fеw оf thе роtеntіаl dіffісultіеѕ fоrесаѕtеd.

Tо рrоtесt уоur сrеdіt hіѕtоrу frоm mеdісаl bіllіng еrrоrѕ, rеquеѕt a сору оf уоur сrеdіt ѕсоrе, and сhесk fоr сrеdіt mіѕtаkеѕ саuѕеd bу unраіd mеdісаl bіllѕ оn a rеgulаr bаѕіѕ. Juѕt аѕ іt іѕ wіth уоur hеаlth, еаrlу dеtесtіоn оf еrrоrѕ оn уоur сrеdіt rероrt саn hеlр рrеvеnt unwаntеd соnѕеquеnсеѕ.

How to Fix a Bad Credit History to Qualify for Low Interest Rate Auto Loan, Mortgage Loan & Credit Cards

Someone once said that being poor is very expensive.  This is also true for people who have a bad credit history.  Interest rates are higher for these people and as a result, it is costlier and takes longer for them to pay off their debts.  People with a bad credit history face other challenges as well.  For one thing, there are the constant calls from creditors at all times of the day demanding that they pay their debts.  For another, there is realization that – especially during the holiday season – they cannot afford the things they see other people buying. 

But if you are one of these people, there are ways to increase the chances that you can qualify for the low interest rate mortgage loans and credit cards that others enjoy.  It simply takes planning, thrift, determination and help from people who are experts in dealing with creditors and the major credit reporting agencies.  Precision Credit Restoration can help show you the correct steps to take in order to qualify for these better rates.  Here are the others things that you can do today to improve your chances of qualifying for lower interest rates.

·       Check your credit score.  This may be difficult or even painful but you have to start somewhere.  In checking your score you can also set a goal of where you want to be financially.

·       Assess your overall financial situation.  Evaluate your credit card portfolio, make a list of all your debts and set realistic financial goals.  You should look at your entire financial situation and perhaps even start a budget if necessary to control spending.

·       Select a payment strategy that works for you.  Consider paying down on credit cards with high interest rates.  High credit balances need to be paid.  Also, figure out how much you can afford to pay your creditors a month and pay bills on time. 

·       Write Dispute Letters to the CreditBureaus.  Never assume everything that is contained in your credit report is accurate or timely.  Send all your correspondence to the agencies through registered or certified mail.  Precision Credit Restoration can go over your credit report with you and will show you how to fix bad credit by contacting these agencies for you and keeping record of those contacts.

·       Limit yourself to a cash budget.  Stop using your credit card as often.  It may even help you to reduce spending when you can see actual cash leaving your wallet as opposed to swiping that little plastic card.

·       Do not keep applying for unnecessary credit.  Don’t take out other loans before you can pay down on your outstanding debt. 

It is very difficult for most of us to remain thrifty when ads show people all around us celebrating the excesses of the season.  Buy this! Shop here! Forget the cost.  This is a particularly unwise policy for those with problem credit.  Follow the above tips and consult with Precision Credit Restoration and you will be well on your way to enjoying the holiday season and beyond knowing that your finances can and will improve.  Credit repair works and if you want to start enjoying the benefits of low interest rate mortgage loans and credit cards, start your financial recovery plan today!


Give us a call today for a free consultation at 877-292-0656. You have nothing to lose and everything to gain. 

Cheers to Financial Freedom, 

The Credit Repair Queen 

Bad Credit Home Loan Mortgage Services

 What To Consider When Applying For A Mortgage

Most new homebuyers are unfamiliar with how mortgage loans work. Because of this, several people accept bad loans. This results in homebuyers paying more than necessary. If you have bad credit, accepting a mortgage with good terms is a must. Many lenders prey on those with bad credit. Their objective is to charge higher fees and boost their profit. Before applying for a mortgage loan, consider the following factors.

What is the Mortgage Interest Rate?

The interest rate that a homebuyer accepts on a mortgage loan is very important. Mortgage rates can be as low as 3.9%, and as high as 9% or 10%. Obviously, those with a high credit rating will pay less interest.

Having bad credit does not always mean getting the highest rates. Thus, it is important to research various lenders, and keep an open eye on current mortgage rates. Many lenders have wonderful loan programs designed for bad credit people with rates that are reasonable, which means affordable mortgage payments.

 Which Mortgage Loan Term to Choose?

Because of the varying home loans available, homebuyers have several choices in regards to loan terms. If you are hoping to payoff the mortgage quicker, a 15-year or 20-year mortgage term may be suitable. These terms do involve slightly higher payments. However, if you can afford a higher mortgage, a shorter term is ideal.

 Traditional mortgage loan terms are 30-years. However, many lenders also offer 40-year mortgage loans. This is a plus in areas with a high cost of living. Keep in mind that shorter terms have lower mortgage rates. Thus, homebuyers save money when selecting a shorter mortgage term.

 Be Prepared to Pay Closing Costs

Getting approved for a mortgage loan and shopping for a home is the fun part. However, before the loan is finalized, homebuyers must pay their closing fees.

All mortgages involve closing costs. The fee varies depending on the mortgage lender. Yet, you can expect to pay a few thousand dollars. This covers the cost of title search, appraisal, home inspection, points, loan origination, and so forth.

If a homebuyer is unable to pay such a large amount, having the closing fees included in the mortgage loan is doable. In fact, many homebuyers choose this option. This approach makes it possible to buy a new home without additional expenses.

If you’re interested in starting to improve your credit status, please feel free to contact us for a free consultation at 877-292-0656.  You can also sign up for our free ebook on how to improve your credit scores within 90 days. https://thecreditrepairqueen.leadpages.net/creditabcs/

Debt Negotiation: Negotiate Away Your Medical Debt

Medical debt affects millions of households around the country and can often be debilitating on the quality of life for those struggling to pay off medical debt while still managing the household and all the expense of raising a family. There are ways to work around your medical debt that will pay off the debt as well as protect your credit rating and score. To find a way to dealing with medical debt before it goes into extreme financial consequences, like garnishments and collections, you should consider the possibilities of debt negotiation and other credit counseling services.

Debt negotiation is a form of debt management that allows you, or a representative for you, to negotiate with your medical creditors for a lower pay off amount, lower monthly payments or lower interest rates. The art of debt negotiation can be learned and you can take control of your own medical debt or if you feel unconfident about the process there are credit counseling organizations who can negotiate your medical debts for you.

Before you start calling your medical creditors, you need to have a handle on all your medical debt to know how much you owe to whom and what the terms of the loan or account are. To know this you need to make a list of your medical debts with the following information: creditor, creditor contact information, amount of the debt, monthly payments, and interest rate. Highlight the interest rate and balance for each debt, these two items will be your main bargaining chips when you call.

There are a few key things to know before calling to negotiate your debt. You must speak with someone who is authorized to negotiate or make changes to your account. If you only speak to the first person who answers or a customer account representative, then you are wasting your time and potential negotiating power in the future. Specifically ask for someone who can negotiate your account and wait until the right person is found. The best negotiation you can use is offering a lump sum payoff to pay the account off at a lower rate than the current balance. If you have money to work with, this is your best course of action and can work great with medical bills. While, the creditor will be losing out on potential interest, they will be getting a guaranteed payment.

If you are unable to convince the creditor to take a settlement amount, the next best thing is to talk down the interest rate. This can save you hundreds, even thousands, off the life of the loan depending on the amount and length of the initial loan. Both of these methods can be extremely powerful ways to handle medical debt and should be considered before taking a more extreme approach, like bankruptcy

Your medical debt can be managed and you can find away to get out from under the suffocating medical debt you face. Debt negotiation is a great way to take control of the situation and not allow creditors to push you around while still respecting the role they play in the financial world and to your credit rating. Debt is an ugly four-letter word, but a reality in every household across the country and around the world. Don’t be intimidated by your debt and be paralyzed by fear, instead find confidence and take control of the situation. You will find your self on your way out from under medical debt and toward a brighter financial future. 

Don’t let a history of bad debt keep you from having the things you want or need.  There are answers to your bad debt problems.

If you’re interested in taking action and improving your credit status to get approved for better credit cards with lower interest rates, then download our Credit Repair Swipe File, which consists of over 20 proven dispute letters to remove negative, inaccurate information from your credit report.  Just copy of and paste, and input your contact information and watch the negative items fall off your credit reports.  You have nothing to lose, it’s absolutely FREE.