What 4stepcredit can do for you and how long it takes
I am a Credit Coach, not credit repair. You don’t have 100 problems you might have 10 or less. If you knew better you would do better. Anyone, including you, can write tersely worded letters to the credit bureaus. I help you solve your problems at the creditor level....read more
Student Loan Victory!!!
This just in… $70,000 in student loan debt is in the process of being deleted. Familial identity theft is in the process of being confirmed. The accounts are being deleted throughout the process of the investigation. This is after countless people laughed at us for...read more
Who is picking your pocket?
Today is my kind of day. My heart smiles when I hear good news like this. I started working with this family 300 days ago. Today the refinanced both of their vehicles and saved $300 per month. They were previously approved for 175k, but with their new lower payments...read more
Fun story – $250 per week garnishment, i.e., 25% of his take-home pay.
I was referred to this couple by a friend of a friend who knew a guy who knows me. The first call was frantic. The second call was more frantic. They have eight kids between them. Taxes and over time take a bite out of his wages, and Capital One takes their bite out...read more
Credit Karma – FICO 8 and other fake credit scores
I had a friend ask me yesterday why Credit Karma’s scores are not real credit score. That is a question I have answered time and again. The quick answer is credit scoring is an algorithm or a software program. Lenders don’t use every credit scoring algorithm that man...read more
17 collections deleted in 3 days!!!
17 collections deleted in 3 days for one person. He started with a 565 middle score. With the 17 deletions and 2 other things he and I are doing, I would be shocked if he is not a 700 plus middle score in 40 days. If you need an extra 40 or 140 points, message me. I...read more
The Birth of $150 or $500
Thank you nonprofit I will not name because I was raised more gooder than that. This was the last straw. You cannot buy a straight answer concerning credit. You can get substandard guesses by the dozen for free. I understand not everyone wants to pay $500 when bad...read more
Like my Pappy always said, “you get what you pay fer”
Today I talked to a 20 something that needs my help but can’t see the value in paying for something that is free on the internet. She had small but pesky problems and was already kind of punch drunk on internet advice, while she trolled me for free info. She gave me...read more
Credit Master’s Tip #8
Credit Master’s Tip #8 – I am still working on #7 which is about those soul-sucking inquiries ( btw I am super dramatic because they have got you concerned about an imaginary issue while you overlook some really important ones because the confused are easily misled)....read more
Credit Master’s Tip #6 – How are you supposed to handle old, unpaid collections?
Credit advice from the internet, people who are making money if you can raise your scores and buy something from them or get a loan from them and those helpful friends, relatives, and coworkers that know someone who knows someone: Leave them alone. I heard paying off...read more