Credit Secrets Products PDF

Credit Secrets Products (This list is subject to change. Weekly reviews are needed in case offers change online or on TV) Click here for Credit Secrets Products Price Sheet Credit Secrets - Main Offer – Book For $39.95 plus $9.95 shipping, you get 1 Credit Secrets sof...

Credit Secrets Products (This list is subject to change. Weekly reviews are needed in case offers change online or on TV) Click here for Credit Secrets Products Price Sheet Credit Secrets - Main Offer – Book For $39.95 plus $9.95 shipping, you get 1 Credit Secrets soft covered book with digital access to the Quick Start Guide and Guide to Building Business Credit book. Customers have the option of purchasing a soft-covered book with digital download or ebook download only. Prices on this will vary. Lifetime Membership with the purchase of books to our Tier 3 Credit Experts. Upgrade to September 2024 Edition Customers who purchased the old version of the Credit Secrets book can update to the new physical version for $14.95. The newest digital version of the book can always be found on the member dashboard. Shipping Charges Shipping (S&P) is $9.95 (There may be other price points for shipping too) Shipping to Guam is $19.95 Shipping to Puerto Rico - prices vary, can ship though NO SHIPPING TO CANADA/INTERNATIONALLY. Canadian customers can order E-book only. Credit Secrets – Guide to Building Business Credit (Digital Only) ($39.95 value, not available for individual purchase) Walks you through all the steps to set up a home-based business with separate business credit. Credit Secrets – Quick Start Guide (Digital Only) ($19.95 value) Puts you on the simple road to repair credit within minutes OT Free E-Book Buyer All 3 books are offered digitally for free to Freescore 360/Scoresense Customers. Customers have full access to the member's dashboard and can purchase additional products. These accounts have the following tag under the member's name: ISBN NUMBER: https://www.screencast.com/t/pOyeusIsL Publication year 2013. We have a new updated version of the Credit Secret book as of September 2024 The Automator The Automator software is a PDF Letter Generation Software that the Customer can access from their dashboard. The Automator is meant to speed up the process of sending out the letters. It is accessible in the Members Area of creditsecret.org If they have purchased it, it will say ACTIVATED. On the page, there is a training video on how to use Automator. The Automator can be purchased on the members dashboard or with an agent through customer service. The Automator allows 30 uses of each letter, and each user is entitled to one free reset. Customers can call in/email in if they need it reset. Escalate these requests to Tier 3. THE AUTOMATOR DOES NOT SEND THE LETTERS FOR YOU. Letters generated by the Automator can be sent via online certified mail (onlinecertifiedmail.com) or customers can print the letters out and send them via Post Office. TIER 3 the question ANY TIME a customer asks, “Do I send this via Certified Mail?” or “Who do I send the letters to?”. Possible Scripts: “The Automator is a great tool to use if you are looking for help and assistance creating the letters that you will need to send in the Credit Secrets program. You will simply make a few selections about the letter type and the issues/needs you are addressing. Once you've done this, it automatically generates a letter for you that can be sent to the agencies you need help dealing with, either by printing them out and sending via the post office or by sending via onlinecertifiedmail.com.” “The Automator is a PDF generator. You input your information, and it generates the letters for you. It does not send letters, however. Once you are finished with your letter, you can either save and print it to mail yourself at your local Post Office, or you can save and upload it to onlinecertifiedmail.com to mail electronically. Our members who use the Automator say that it's a huge time saver, especially if you have a lot of letters to send.” Never quote a price as prices vary. If a customer is insistent, you can log into that customer's dashboard and check the price. Customers can only be directed to log into their dashboard and locate price by clicking on the automator button. There are different options for purchasing the Automator - the 2 pay; 3 pay, and the one time payment. The 2 pay plan has a 90 day MBG from the date of purchase. The 3 pay plan has a 120 day MBG from the date of purchase. The one time payment has a 90 day MBG from purchase date. (Different price points) Usually $149.00 They have 30 days from the last payment to request a refund. Smart Money Club The Smart Money Club gives customers access to the Private Members community. Customers can post their success stories, testimonies, questions, feedback, and talk with other members and receive direct support from our resident credit expert and head of customer success. As A VIP Member Of The Smart Money Club, You'll Receive… Access to our Private Smart Money Club community is where customers will find: ○ Exclusive events with top finance experts ○ Wealth strategies that are usually reserved for the 1% ○ Group chats for networking and collaboration Additionally, our Credit Experts from Tier 3 and members from phone support, along with other members who have already been successful with the program all ready and willing to help you towards success! Customers have to be accepted into the group. SMC Recurring (Monthly Subscription) New Customers may have a free trial of 14 days with free access and then will be charged monthly for continued access. Check SIO/DataBot subscription for monthly fees, as they can vary. Older members may have access from older monthly subscription offers or “Legacy Subscriptions.” Monthly fees for Legacy Subscriptions could be $9.97 or $19.97. The “Cancel Smart Money Club” tag will be used if a customer is canceling with no refund given. The “Refund Smart Money Club” tag will be used if a customer is canceling and a refund is given. Some customers may have an Automator/SMC bundle which will show an “SMC Lifetime Access” tag. This tag allows customers SMC access for life along with any account that has a “Wishlist Migration” tag. All subject to change…. These are the common names for the SMC you may see: Smart Money Club, Smart Money Club Platinum Subscription, LK SMC 14 days trial bump, SMC annual $99.95, SMC Downgrade, SMC upsell, SMC with trial with 14 day, LK Smart Money Club, LK Smart Money Club Discount, LK SMC trial members area, LK smart money club subscription, These all have the same access they are just different pricing points. Credit Secrets Letter Tracking Sheet: (free to all customers) Access to the Letter Tracking Spreadsheet located in Phase 2 Step 1 directly below the eBook download link. The spreadsheet assists the customer with tracking the progress of the letters you send to the bureaus/collection agencies. The interactive (the spreadsheet) is helpful as it is very important to document when you send each letter. To get the best results with your program, you'll need to stay organized! BYS Evergreen The Boost Your Scores Challenge, was created to help the customer get back on track to raising their scores.  Here's exactly what is covered in the challenge: The Most Important Part Of The Credit Secrets Process Reviewing Your Credit Reports Craft Your Personal Information Update Letter Lower Your Credit Utilization Fast With "RPM" Dispute Negative Accounts On Your Credit Reports Purchase Link: https://creditsecrets.com/bys-evergreen/bys-evergreen.php Email Template: PURCHASE - BYS Challenge (Evergreen) Secret Credit Builders This special upgrade (typically $67) will pay off over and over again for you by building your credit and strengthening your entire financial profile. Using these credit builders will turn you into someone who lenders see as a "Better Borrower" - and can even open up opportunities for financing that are not available to most people. Link to Secret Credit Builders: https://members.bigbudget.com/secret-credit-builders/ The Secret Credit Builders are accessible on the members dashboard in Phase 3: Build Your Wealth. * Secret Credit Builders was formerly the Secret Money Methods  SCB #1 - Level Credit Get the credit you deserve by reporting your rent and utility payments. Key Elements: No credit score required, No hard inquiry, No upfront deposit. About: 1. You sign up with LevelCredit, connect it with your bank and they start reporting rent/utilities. 2. It will report the large monthly payments you’re already making to the major credit bureaus. 3. Can opt-in to report 24 months of past payments which helps age your credit profile. 4. Considering the typical American renter pays $1,225* per month in rent and utilities, this could go a long way toward helping you build credit! 5. No landlord participation required.  SCB #2 - Credit Strong Key Elements: No credit score required, No credit check, No upfront deposit, Installment loan. About: 1. Credit Strong is a division of a 5 star rated FDIC insured independent community bank. 2. They are a bank that works with all 3 major bureaus. Monitor your FICO score 24/7 and track your progress. 3. There are different price ranges that will fit your timeline and budget. 4. Credit Strong is a loan and savings account where you can build both credit history and savings. 5. When taking out a loan, a portion of it is locked in your savings account. Once the loan is paid in full the lock is removed and the funds from the savings are available for you. 6. Credit Strong reports your loan payment history to all three credit bureaus and you earn interest on your savings account balance.  SCB # 3 - MoneyLion Key Elements: No credit score required, No credit check, Installment loan. About: 1. MoneyLion is a mobile banking app, it is a Credit Builder Account that helps you build credit while you save with no credit checks. You will get access to a portion of your loan funds right away and can get up to $300.00 per pay period at 0% interest. 2. No credit score is required, you get 0% APR INSTACASH up to $300.00, and it increases your score by up to 42 points. 3. They provide many services such as Mobile Banking, Cash Advances, Credit Builder Loans, Automated Investing, Financial Tracking, Personal Banking App, and cash back rewards.  SCB #4 - LOQBOX Key Elements: No credit score required, No credit check, Installment loan. About: 1. LOQBOX grows your credit score by helping to prove your creditworthiness to the credit bureaus. Funds are FDIC insured. 2. You can decide how much you save into your LOQBOX each month for a year and you are financed the full amount with 0% interest. 3. They report to all major bureaus. Once you make your final payment LOQBOX will transfer your savings from your LOQBOX account into a new LOQBOX savings account for free or you can withdraw the funds into your own account for $40.00. 4. LOQBOX is completed in 3 easy steps. First you decide how much you want to save each month for a year at 0% APR. Then, LOQBOX reports your monthly payments to Equifax and TransUnion. Finally, after making your monthly payments for a year your loan is repaid to you and you will have an improved credit score.  SCB #5 - SeedFi Key Elements: No credit score required, No credit check, No security deposit. About: 1. SeedFi helps you grow your money and offers 3 plans that will build your credit, and raise your financial profile. 2. Your first plan is the Credit Builder Plan. You can put aside as little as $10 every paycheck and it builds your credit with every on time payment. You can access the savings once your plan is completed. 3. All plans are loans where the full amount is locked in a SeedFi account. The loan payments are reported to the credit bureaus, and the savings is unlocked once your loan is paid in full giving you access to your money. 4. The Borrow and Grow Plan is a low interest loan with a built in savings account. You can borrow the money you need, build your credit with every on time payment, and when you finish paying off your load your savings will be unlocked to you. 5. The One Bill Plan will be coming soon and this where they will combine your bills into one payment and you will make a payment as you get paid.  SCB #6 - SELF. Key Elements: No credit score required, No hard inquiry, Reports to all 3 bureaus, Installment loan. About: 1. Self Credit Builder Account is a small investment load that is secured by one of several banking partners. Its FDIC insured, and each month your payment history is reported to the three major credit bureaus. No credit score is required and there’s no upfront security deposits. 2. You apply for a loan and it’s secured and protected in a bank account. You can choose to pay it off how it fits your budget in 12-24 months. Each payment you make is reported to all 3 bureaus and it will build your credit history as it adds to your savings. Payment history makes up 35% of your credit score. Your loan will unlock once you pay it back in full minus the fees and interest. 3. You can apply for a Self Visa Credit Card if you make 3 monthly payments on time, you have $100.00 or more in your savings progress, and your account is in good standing.  SCB # 7 - Chime Key Elements: Up to $10k in credit, No hard inquiry, No credit score required, No Fees/Interest. About: 1. With Chime you can increase your score by 30 points with a secured credit card. There’s no annual fee or interest, no credit checks, no minimum security deposit. When it comes to the Chime Credit Builder Visa Credit Card this is the cheapest and easiest one you can get. 2. With Chime Credit Card you can get your paycheck up to two days early, they have online Banking, Fee Free Overdraft, no hidden fees, mobile banking, automatic savings, mobile payments, and your deposits are insured by FDIC up to $250,000 through The Bancorp Bank or Stride Bank. 3. Chime does not profit off you. Everytime you use the Chime Debit Card they receive a small amount from Visa which is paid by the merchant. 4. Direct Deposit is the easiest way to add funds to your account. They also accept mobile check deposit and electronic transfers by linking external bank accounts. Cash deposits can be made to your Chime Account at over 90.000 retail locations using Green Dot Network. Home Buyers Secret The Home Buyers Secret course is 22 training modules about how to buy a home with bad credit, or no credit. NOTE: Our very own credit expert, Jenn C, was able to use the HBS Course to purchase her very first home with only $2k down. Audiobook The Audiobook is the audio version of the 2018 main Credit Secrets book. This can be downloaded to your computer, phone, or tablet or burned to a CD from your computer and you can listen on the go! This comes free with purchase of the book. The download for the Audiobook is located on Phase 4 Step 3 of the members dashboard. Car Buying Secret Discover the secrets the dealerships don't want you to know! Do this before your next vehicle purchase. Debt Freedom Secret Debt Freedom Secrets is an 11-module course with 65 lessons that give you the tools to build better financial habits. We’ll show you how to clean up your credit report, stick to a budget, and use your rights to push back against unfair debt-collection tactics. And we don’t just leave you with advice—we provide ready-to-use templates and letters when you need to dispute debts or negotiate with creditors. Key Pages (changed with 2020 update): 1. Pg.10 The key to getting anything removed from a credit report! [Screenshot: https://app.screencast.com/JSB2x7m0OlO5T ] 2. Pg. 10 The secret to getting banks, credit bureaus and collection agencies to feel it's easier to remove a negative item and leave you alone. 3. Pg. 20 Why you may get turned down for a loan even with good credit. [The factors that make up FICO scores most notably #3 & #4 will be something creditors look at.] 4. Pg. 29 Closing an unused credit card account can hurt your score… Unless you know this secret. 5. Pg. 42 Which type of bank account to never close even if you opened it as a freshman in college as [Screenshot: https://app.screencast.com/zDQgl7RbzoCyX ] 6. Pg. 42 The simple 11 word phrase so no bill collector can contact you again. We have an email template for this FAQ-MAGIC 11 WORDS.” [Screenshot: https://app.screencast.com/9YP9oEmtXfM0Q ] 7. Pg 43 The easiest way to get collection agency, bank or collector to erase a disputed item. 8. 76 How to make an erroneous tax lien disappear from your credit report even if you haven’t paid it yet. (Section removed from 2024 version of book) 9. Pg 83 The little known government agency that has recovered hundreds of millions of dollars for consumers. 10. Pg 109 Makes sure an actual human being will have to review requests. 11. Pg 128 Student loans have no statute of limitation… How to remove and how to temporarily suspend payments, lower payments and in some cases get loans forgiven. 12. Pg 133-136 Repossession…. How to get it back when it has been taken off report. 13. Pg 151 Where to apply for a visa signature rewards card with a limit of up to $25,000 with low score in the 500s. 14. Pg 151 Learn where to get a low-interest loan to pay off your high interest debt. 15. Pg 153 How to buy a car with bad credit, even with a previous repossession or bankruptcy 16. Pg 154 The strategy to get out of debt without resorting to bankruptcy. NOTE : The book was updated 9/2024 so page numbers will be off.