Denied Credit Repair

Working homeless

2/27/2020

We think of homelessness as people sleeping on the street, dirty holding signs for a hand out, this notion is so far from the truth. You might be working right beside someone that is homeless and never know it, some live out of their car's some in motels and other's in weekly stays.
America has failed us, there are many ways people become homeless, loss of a job illness, and rents souring out of control.

We have a big problem because once you get to this level its hard as hell to get back, most people have been evicted and if so no one wants to rent to you and if they do its in an area that's un-desirable and the landlord is usually a slum lord. Most landlords will not or do not want to rent to a section 8 recipient because they feel their property will be destroyed and it brings down the neighborhood and property value.

When your homeless you have most likely exhausted your funds, no bank account and living check to check and its not enough. To get to the bottom of this they are going to need a hand up not a hand out meaning, to be paid a living wage and a way to get back on track. If they are living out of a car they have no address, if with family they still have no rental history and bad credit history . In dealing with credit I find that its a slow climb but can be done, there are things you can do to move forward. Contact me for special pricing if your homeless. I will take only 10 people for the month of March 1-30th, the cost monthly will be $50.00. You must stay in the program for 4 month reply in the comments below to sign up or e-mail me for additional information.

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CPN'S Don't do it..

2/8/2020

Using A CPN Is A Fraud and A Crime
In Fraud ScamsJuly 30, 2018 Frank McKenna

It’s called a CPN which stands for Credit Privacy Number. A CPN claims to be a nine-digit identifying number that you can use instead of your Social Security number to protect your privacy on credit documents.
But using a CPN, instead of your real social security number to apply for loan or credit card can spell big trouble. In fact, CPN numbers have turned into one of the fastest growing con’s and frauds here in the US. And people are going to jail because of it.
If your thinking about using a CPN, or even just curious. Consider the following before you do.
#1 – CPN’s Are Not Legitimate First off, CPN’s are not legitimate. I repeat, CPN’s are not legitimate.
Some people claim that attorneys can issue CPN’s to consumers as part of credit repair or as a way to keep their identity private. This is not true. CPN’s are not issued by any government agency. They are not sponsored by the US Government. The Social Security Administration does not issue CPN’s.
The plain fact is CPN’s are nothing more than actual Social Security Numbers that belong to other people. It is identity theft – plain and simple.
If a website tells you they can issue you a CPN legally – they are lying. If an attorney informs that they can set you up with a legitimate CPN for your use – you should tread very carefully. CPN’s are nothing more than a hoax against millions of well intentioned US consumers.
The use of CPN’s has gotten so bad, even the FTC is warning consumers not to fall victim to shady fraudsters encouraging you to use one – FTC Warning.
These companies often sell Social Security numbers illegally. If you use a number other than your own to apply for credit, not only won’t you get credit, but you also could face fines or prison. Federal Trade Commission Warning

#2 – CPN’s Are Used By Credit Repair Companies To Create Synthetic Identities When someone offers to help you to get a CPN number, they are taking you down a very slippery and dangerous slope.
CPN’s are used to create synthetic identities. When a credit repair company promises to improve your credit in a very short period of time they are most likely using a well defined method of forcing you into creating a synthetic identity without you even knowing it. If you are engaging in a process that looks like this OVER ON THE LEFT ITS A CPN

please realize that you are creating a synthetic identity, ask yourself is it worth jail time and a record.

Check out this website that is actively recruiting customers. This sure looks like a process for creating a synthetic identity to me!

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Fico or Credit know the difference

2/6/2020

The Equifax Credit Score uses a numerical range of 280 to 850, where higher scores indicate lower credit risk. The FICO Score uses a numerical range of 300 to 850, where higher scores also indicate lower credit risk.
Aug 09, 2019 · Industry-specific FICO® scores — including FICO® Auto Score 8 and FICO® Bankcard Score 8 — have a broader range of 250 to 900. These scores are tailored to specific types of credit. There are several ways to get free access to your FICO® scores, including from various credit …

Information from the Motley Crew
How FICO calculates your credit scoreFICO offers fairly explicit details on how its scoring model calculates your credit score. It uses five main factors with the following weights:
35% payment history. If you've always paid your bills on time, you'll be one-third of the way to a perfect score. The more severe, recent, and frequent you've had any late payments, the greater the impact on your FICO Score.
30% credit utilization. FICO Score 8 considers the total of how much you owe across all of your accounts, but more importantly, it factors in what percentage of your available credit you use.
15% length of credit history. This includes the age of your oldest account, the average age of all of your accounts, and the age of specific types of accounts (credit, auto loan, etc.).
10% new credit. This factor considers the number of new accounts, how long it's been since you opened a new account, and recent hard inquiries on your report.
10% credit mix. Having a variety of different types of credit accounts will improve your score.

How VantageScore calculates your credit scoreVantageScore isn't nearly as specific as FICO when it comes to how it determines your credit score using its scoring model. It provides a rough outline of factors it considers important and those it considers less important.

Extremely influential -- payment history. Just like FICO Score, VantageScore puts payment history at the top of the list. It won't say how much it weighs it in factoring your overall score, though.
Highly influential -- age & type of credit, credit utilization. It's unclear if VantageScore weighs credit mix or credit length more or less than FICO because it lumps both of them into one category it deems "highly influential." Credit utilization is weighed heavily in both the VantageScore and FICO Score models.
Moderately influential -- total balances. VantageScore separates out total balances from the credit utilization factor, but it's only moderately influential. That seems similar to how FICO factors in credit utilization, putting a larger emphasis on lower utilization than it does on lower total balances.
Less influential -- available credit, recent credit behavior & inquiries. VantageScore may benefit consumers with less available overall credit, suggesting you only open credit you need. Similar to FICO Score, VantageScore likes to see fewer hard inquiries on your report.

There are a lot of companies online that you can supposedly get a free credit report from, now remember, if it's free you get what you pay for. If you ran one with each one of these they will all be different, this should not hurt your credit because your running it yourself, if you don't believe me run them here is a list.
1.USA Gov.com
2. CreditKarma.com
3. Credit.com
4. gofreecreditreport.com
5. annualcreditreport.com
6. myfico.com
7. creditreport.com
8. wallethub.com
9. creditchecttotal.com
10. buildmyscore.com
11. myiqreport.com
12. credit sesame.com
13. mybankrate.com
and many many more..
Looking to get a real report just sign up for either TransUnion or Experian

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