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Life is Much Harder with Bad Credit
If you have under a 650 credit score, you are likely experiencing all of the problems below which means you are spending more money than you truly should and are not being provided great opportunities that will improve the quality of your life. We will help you quickly delete derogatory items such as charge-offs, bankruptcies, chexsystems, student loans, repossessions, late payments, collections from your credit report.
Our proven and easy Credit Healing Program will open many doors for you as well as allow you to be able to leave a legacy for yourself by establishing generational wealth for your family.
Be like one of the customers below by purchasing your Credit Healing Packet
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These are the many AMAZING results you can receive by simply getting started now!
The #1 cause of success is TAKING ACTION. Begin quickly improving your life by purchasing your Credit Healing Packet NOW.
Powerful Credit Healing Packets
* = Contains Previous Credit Healing Packet
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GOLD
PACKET
$14.99
ONE-TIME
- How to Dispute; Easy-to-Follow Instructions
Equifax (4 Rounds of Letters)
Experian (4 Rounds of Letters)
TransUnion LLC. (4 Rounds of Letters)
Hard Inquiry Removal Packet
7 Day Rapid Rescore Strategy
Creditors Dispute Letters
DIAMOND
PACKET
$34.99
ONE-TIME
- *Everything in Gold Credit Healing Packet Plus*
Credit Healing Video Modules
FREE Student Loan Removal Kit & Ebook
Late Credit Card Dispute Letters
Collection Agency Dispute Letters
Creditor Dispute Letters
Debt Validation Request Letters
HIPAA (Medical) dipsute letters
Repossessions Removal Letters
Follow-Up Letters (If Agencies Don't Respond)
Request Process of Investigation Letters
Bankruptcy Dispute Letters
Goodwill (Forgiveness) Letters
RUBY
PACKET
$49.99
ONE-TIME
* *Everything in Gold and Diamond Credit Healing Packet Plus* *
Debt Settlement Letters
Stop Collection Agencies From Calling Letters
Dismiss Judgment Letters
Remove 7 Year Old Account Letters
Car Repossession Dispute Letters
Chexsystems Removal Letters
Federal Trade Commissions Complaint Letters
Court (Legal) Documents
Tax Liens Dispute Letters
SAPPHIRE
PACKET
$99.97
ONE-TIME
* * *Everything in Gold, Diamond and Ruby Credit Healing Packet Plus* * *
How to Add More Than 25 Years of Primary Tradelines to Your Credit Report eBook (Account Assumption Secret)
List of Reputable Primary, Authorized User and Rental History Tradeline Companies (Up to $50,000)
(Note: 1) Each higher packet contains everything the lower packet contains plus many more letters. 2) You will automatically be redirected to the download page and receive an email that includes your dispute packet immediately after your purchase. Be blessed!)
17 Federal Laws We Use To Delete Derogatory Items
| Who | Why | Precedent/Law | Fine |
|---|---|---|---|
| Credit bureaus if they do not remove your accounts after requesting consumer contract with signature on it | Consumer protection afforded by the FCRA | FCRA Section 609 (a)(1)(A) | Up to $15,000 |
| Creditors if they report your credit history inaccurately | Injury to your credit report and credit score | FCRA Section 604 (A)(3) | $2500 |
| Collection agencies if they do not validate your debt yet continue to pursue collection activity (file for judgments, call or write you) | Consumer protection afforded by the FDCPA | FDCPA Section 809 (b), FTC opinion letter Cass from LeFevre (See Appendix B). | $1000 |
| Credit bureaus if they fail to respond to your written disputes within 30 days (a 15 day extension may be granted if they receive information from the creditor within the first 30 days) | Consumer protection afforded by the FCRA | FCRA Section 611 Part (A)(1) | $2500 |
| The collection agency can not use any kind of harassment or abuse** | Consumer protection afforded by the FDCPA | FDCPA Section 806 | $1000 |
| Collection agencies if they have not validated your debt and they still continue to report to the credit bureaus | Consumer protection afforded by the FDCPA | Section 809 (b), FTC opinion letter Cass from LeFevre (See Appendix B). | $1000 |
| Credit bureaus if they refuse to correct information after being provided proof | Defamation, willful injury | FCRA Section 623 CUSHMAN VS. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed (D.C. No. 95-cv-01743). | Extent of damages incurred by the wronged party, as deemed by the courts |
| Credit bureaus if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. | Consumer protection afforded by the FCRA | FCRA SECTION 611 Part (A)(5)(B)(ii) | $2500 |
| Creditors or collection agencies, and credit bureaus if they try and “Re-age” your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer | Consumer protection afforded by the FCRA | FCRA Section 605 (c) Running of the reporting period | $1000 |
| Collection agencies if you have sent them a cease and desist letter and they still call you | Consumer protection afforded by the FDCPA | FDCPA Section 805 (c) | $1000 |
| Collection agencies if they: Cash a post-dated check before the date on the check Cost you money by making you accept collect calls or COD mail Take or threaten to take any personal property without a judgment | Consumer protection afforded by the FDCPA | FDCPA Section 808 | $1000 |
| Calls you after 8 PM at night or before 9 AM | Consumer protection afforded by the FDCPA | FDCPA Section 805. (a)(1) | $1000 |
| Calls you at your place of employment if the debt collector knows or has reason to know that your employer prohibits the consumer from receiving such communication. | Consumer protection afforded by the FDCPA | FDCPA Section 805. (a)(3) | $1000 |
| Calls any third part about your debt like friends, neighbors, relatives, etc. However they can contact your attorney, a consumer reporting agency, the creditor, the attorney of the creditor, or the attorney of the debt collector. | Consumer protection afforded by the FDCPA | FDCPA Section 805. (b) | $1000 |
| Collector cannot claim to garnish your wages, seize property or have you arrested *** | Consumer protection afforded by the FDCPA | FDCPA Section 807 | $1000 |
| Collector must sue you in a county in which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuit | Consumer protection afforded by the FDCPA | FDCPA Section 811 (a) (2) | $1000 Also a good grounds for getting a judgment vacated |
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