CREDIT SCORE

GOOD G
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RE

A
AT
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 TABLE OF CONTENTS
Pages 1-2
How Your Credit Score Is Calculated
Pages 5-14
Repairing Your Credit
Pages 15-22
Building Positive Credit
Page 23
Structuring Your Credit
For Business Credit
 HOW YOUR CREDIT
SCORE IS CALCULATED
Did you know that many Americans are
unaware of how their credit scores are
calculated? This lack of knowledge is a
significant reason why people struggle with
poor credit. Understanding the five factors
that make up your credit score is essential
for taking control of your financial health. In
this section, we'll break down each factor
and provide actionable tips to help you
improve your credit score and achieve
financial success. Let's dive in!

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 HOW YOUR CREDIT
SCORE IS CALCULATED
A. Payment History 35% (297.5 points)

Set up autopay to avoid missing payments.

Challenge all late payments or delete the entire
account & replace the age

B. Utilization 30% (255 points)

Pay all credit cards under 30% to stop your

score from going down

C. Credit Mix 10% (85 points)

Lenders want to see diversity. Installment loans

and revolving credit

D. Credit History 15% (127.5 points)

Having or adding older accounts with age is

key to building and maintaining a high credit
score

E. New Credit 10% (85 points)

This is where hard injuries are factored in.

Remove hard inquiries that are not attached to
an open account on your credit report

Page 2
 REPAIRING YOUR CREDIT
THE BAD
Many consumers have inaccurate or negative
information on their credit reports. Negative
accounts can lead to instant credit denials
and damage your credit reputation.

This lowers confidence and can cripple your

financial growth if you do not address the
negative

THE GOOD
Any negative account can be removed from
your credit report when disputed correctly. This
is why it’s important to understand your right
as a consumer so that you can begin taking
your power back and rebuilding your credit
reputation.

Remember that payment history is the most

important factor of your credit report. So
anything that reflects a negative payment
history must be corrected in order to maximize
your credit scores

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 NEGATIVE ACCOUNTS
Here is a list of 10 negative accounts that
can be disputed and removed from a
person's credit report using consumer laws:

1. Late Payments: Dispute inaccuracies in

reported late payments, especially if they
are incorrect or misreported.

2. Charge-Offs: If a debt has been charged

off but is still showing as unpaid, you can
dispute this with supporting documentation.

3. Collections: Challenge any collections

accounts that are incorrect or have
incomplete information.

4. Bankruptcies: Ensure that discharged

bankruptcies are accurately reflected on
your report.

5. Foreclosures: Dispute any errors or

inaccuracies in reported foreclosures.

Page 4
 NEGATIVE ACCOUNTS

6. Repossessions: If a repossession is
inaccurately reported or contains errors, it
can be disputed.

7. Tax Liens: Dispute tax liens that have

been paid off but still appear on your report.

8. Judgments: Challenge judgments that

have been satisfied or are incorrect.

9. Student Loans: Dispute any inaccuracies

related to student loans, such as incorrect
balances or reporting errors.

10. Hard Inquiries: Challenge unauthorized

or inaccurate hard inquiries that may be
negatively affecting your credit score.

Page 5
 NEGATIVE ACCOUNTS
On the next page you will see an example
of what a negative account looks like on a
Credit Report.

In this example we are using Identity IQ

which is a Credit Monitoring Software that
allows you to view all 3 Credit Reports at
one time.

When trying to determine if an account is

negative or positive, you will want to review
the following:

Account Status: In this example the

account is listed as a Derogatory Account

Past Due: If it is a negative account, the

past due amount will NOT be $0.00

(continue to the next page)

Page 6
 NEGATIVE ACCOUNTS
Payment Status: This account is listed as a
Collection/Charge off

Comments: Charged off as bad debt.

Cancelled by credit grantor

Two Year Payment History: Finally, at the

bottom of the screen it shows CO listed
under each payment month. CO =
Charged Off

Page 7
 POSITIVE ACCOUNTS
Maintaining positive accounts is essential
to building a high credit score. Many
people make the mistake of disputing
positive accounts when attempting to
repair their credit.

Here is a list of positive accounts that you

should not delete from your credit report.
A Positive account is when there is no
negative remarks or history.

Positive student Loans: Dispute any

inaccuracies related to student loans,
such as incorrect balances or
reporting errors.
Open accounts with no late payments
Closed or paid off accounts with no
negative remarks. For Example (Paid
off auto loans, mortgages, student
loans etc)

Page 8
POSITIVE ACCOUNTS
Mortgages with no negative remarks
and on-time payments.
Auto Loans with no negative remarks
and on time payments.

Page 9
 5 MAIN LAWS TO USE IN
THE DISPUTING PROCESS

15 USC 6801
GRAMM-LEACH-BLILEY ACT:
Protection of nonpublic personal
information

15 USC 1666 B TIMING OF PAYMENTS:

Use for disputing late payments

15 USC 1681 C-2 BLOCK OF INFORMATION:

Use when disputing negative accounts

15 USC 1692 FAIR DEBT COLLECTION

PRACTICES ACT:
Use this law when dealing with collection
companies

15 USC 1681i PROCEDURE IN CASE OF

DISPUTED ACCURACY:
Use this law when accounts come back
verified & if accounts come back on your
credit report after being removed

Page 10
 FACTUAL DISPUTING
Factual disputing simply means that you are
disputing the facts that are listed on your Credit
Report to be false.

Example: You’re looking at your Credit Report with all

3 Consumer Reporting Agencies listed (Experian,
Equifax, Transunion) and you notice inconsistencies
ranging from the date opened, to the reported
balance. This is when you could benefit from factually
disputing.

You will want to print out a copy of your tri-merge

credit report. HIGHLIGHT the inaccuracies that you
see. Write out your letter (hand writing your letter)

Example: In the below image, the “High Credit”

column in Experian is 0 and in TransUnion it’s $1,707.00.
This is an inconsistency.

Page 11
 FACTUAL DISPUTING
EXAMPLE LETTER

In the attached copy of my credit report I have

clearly highlighted and pointed out inaccurate
reporting on the following account:

ACCOUNT DETAILS

I am not an expert, but the FCRA does clearly

state that my credit report needs to be 100%
accurate and consistent. As of right now, it is
neither accurate, or consistent.

I am writing this letter demanding that this

inaccurately reported account be removed from
my credit profile due to the inaccuracy and
inconsistency.

This request is not being made in error and I will

be contacting both of the other bureaus that are
also in violation of reporting this account
inaccurately.

YOU WILL THEN WANT TO MAIL YOUR LETTER VIA

CERTIFIED MAIL WITH A TRACKING NUMBER. THIS
IS VERY IMPORTANT!

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 FACTUAL DISPUTING
STEPS TO TAKE AFTER YOUR LETTER IS RECEIVED
BY THE CREDIT REPORTING AGENCY

After you review the tracking number and confirm

that your dispute was received, you can call them.

Equifax: 1-866-640-2273 (press 1, then wait)

Experian: 1-800-493-1058 (press 3 as soon as
message starts or press 0)
TransUnion: 1-800-680-7289 (at prompt press 4,
then 2)

DISCLAIMER: These companies change their

numbers ALL THE TIME. If the above numbers do not
work, you can google a number to reach them.

At the end of the day, you just need to get on the

phone with a human being at the credit reporting
agency.

When you speak with them you want to be firm, but

respectful. Remember we want them to HELP us, not
HANG UP on us!

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 FACTUAL DISPUTING
PHONE SCRIPT
Hi my name is xxxxxx.

I submitted a complaint to you to you via certified

mail and I just want to make sure that you have
received my dispute.

I’m calling to follow up to ensure that this is deleted

today.

Other facts of the law that you can use while on the
phone with them if necessary:

You have a duty to do what is fair and equitable to

me as a consumer, therefore you have a duty to
delete the information that is inaccurate. Your
company is impairing the efficiency of the banking
system, do you want to be accountable for that? You
have an obligation to meet my needs. You have an
obligation to conduct yourself in a manner which is
fair and equitable to me. You have an obligation and
a duty to ensure that this information is accurate
and is relevant.

The continued reporting of such information means

improper utilization of my information.

They may give you a hard time. Hang up and call

the next person.

Page 14
 BUILDING CREDIT
Introduction To Credit Building

After repairing your credit and removing

negative accounts, the next crucial step is
building and maintaining a strong credit
profile. While removing negative items is
essential for improving your credit score,
there can be an unintended consequence—
if you remove accounts with a significant
amount of age, it can actually lower the
average age of your credit history, which
can hurt your overall score.

This is why credit building is so important. By

strategically adding new accounts,
especially those that can help recoup the
age lost when older accounts are removed,
you can not only strengthen your credit
profile but also help boost your score over
time.

In this section, we’ll explore how to replace

that lost age and continue building your
credit with methods like adding authorized
user tradelines, reporting rental history, and
using credit-building accounts. These steps
will ensure that you maintain a well-
rounded and healthy credit profile, setting
you up for long-term financial success.

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 BUILDING CREDIT
Revolving credit and Installment credit are
two key types of credit accounts that can
impact your credit profile differently. Here's
a breakdown of each and some primary
accounts to begin rebuilding credit:

Revolving Credit:
Revolving credit refers to credit accounts
where you have a credit limit that you
can use repeatedly. As you make
payments, your available credit resets,
allowing you to borrow again. Common
examples include credit cards and lines
of credit.

Benefits of Revolving Credit:

Demonstrates responsible use of credit.
Helps establish a revolving credit history.
Can improve credit utilization ratio
(lower utilization is better).

Primary Revolving Credit Account:

Self Credit Card: You'll receive a credit limit

based on your deposit. Regular, on-time
payments will be reported positively to
credit bureaus, improving your credit score.

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 BUILDING CREDIT
Installment Credit:
Installment credit involves fixed payments
over a specified period, typically for items
like auto loans, student loans, or mortgages.

Benefits of Installment Credit:

Shows your ability to manage fixed monthly
payments.
Contributes to a diverse credit mix, which is
favorable for credit scores.

Primary Installment Credit Accounts:

Self Installment Loan: You make monthly

payments into a secured savings account. The
consistent payments build a positive payment
history on your credit report.

Rental Kharma: Reports your rent payments to

credit bureaus, helping to establish credit
history and improve credit scores based on
past rental payments.

Navy Federal Pledge Loan: Paying off 90% of

the loan amount upfront can demonstrate
financial responsibility and positively impact
creditworthiness.

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 PRIMARY CREDIT
BUILDER ACCOUNTS
Self Inc: Will give you an installment loan with a no
credit check or hard pull on your report. After 3
consecutive payments self will approve you for a
credit card. This is excellent for people who has no
credit established & starting fresh.

Rental Kharma: Reports your rent payments to

credit bureaus, helping to establish credit history
and improve credit scores based on past rental
payments.

Navy Federal Pledge Loan: Paying off 90% of the

loan amount upfront can demonstrate financial
responsibility and positively impact
creditworthiness.

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 PRIMARY CREDIT BUILDER
ACCOUNTS - SELF INC.
Self Inc:

With Self Inc., you can access an installment loan without undergoing
a credit check or triggering a hard inquiry on your credit report. This
means that regardless of your credit history or current score, you can
still qualify for financial assistance.

What sets Self Inc. apart is its innovative approach to credit building.
After making three consecutive payments on your installment loan,
Self Inc. will approve you for a credit card. This seamless transition
from an installment loan to a credit card is particularly beneficial for
individuals who are new to credit or starting fresh after facing financial
challenges.

The Self Credit Builder App offers several benefits for users:

1. No Credit Check: With Self Inc., there's no need to worry about

traditional credit checks impacting your credit score. This makes it
accessible to a wider range of individuals, including those with
limited or no credit history.
2. Credit Building: By responsibly managing your installment loan and
subsequent credit card, you can establish a positive credit history.
Timely payments and responsible credit use can lead to an
improvement in your credit score over time.
3. Financial Empowerment: Self Inc. empowers individuals to take
control of their finances and build a stronger financial future. By
providing access to credit without stringent eligibility criteria, Self
Inc. helps individuals achieve their financial goals.
4. Educational Resources: Additionally, the Self Credit Builder App may
offer educational resources and tools to help users better
understand credit, budgeting, and financial management. These
resources can support users in making informed decisions about
their finances.

Overall, the Self Credit Builder App offers a pathway to financial

stability and creditworthiness for individuals who may have previously
struggled to access credit. With its innovative approach and
commitment to financial empowerment, Self Inc. is helping individuals
take charge of their financial futures.

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 THE NAVY FEDERAL
PLEDGE LOAN STRATEGY
The Navy Federal Pledge Loan hack is a strategy utilized to boost
one's credit score effectively. Here's a summary of how it works and
how someone can utilize it to increase their credit score:

Overview of the Pledge Loan: The Pledge Loan allows individuals to

borrow against their own money deposited in a Navy Federal
account. This loan serves as collateral, enabling individuals to build
credit without risking additional debt.

Utilization for Credit Building: By utilizing this loan, individuals can

significantly increase their credit score. The loan amount is
reported to credit bureaus, showcasing a substantial credit line.
This demonstrates creditworthiness to lenders, potentially leading
to higher credit limits, better loan terms, and improved financing
options.

Strategic Implementation: The key is to deposit as much money

as possible into the Navy Federal account to secure a sizable loan.
Once approved, paying off approximately 90% of the loan
immediately after it is reported to credit bureaus is recommended.
This shows responsible credit management while keeping
utilization low, which positively impacts credit scores.

Benefits of the Loan: The Navy Federal Pledge Loan offers several
benefits:
It allows individuals to borrow against their own funds,
minimizing risk.
The loan amount is reported to credit bureaus, improving
credit utilization and demonstrating creditworthiness.
It can lead to higher credit limits, better loan terms, and
improved financing options.
The loan can be utilized strategically to maximize credit
score improvement.

Maximizing Results: To maximize the benefits of this loan hack,

individuals should:
Deposit a substantial amount into their Navy Federal
account to secure a larger loan.
Pay off approximately 90% of the loan after it is reported to
credit bureaus, demonstrating responsible credit
management and keeping utilization low.
Maintain the loan open for at least 13 to 18 months to
establish a positive payment history and maximize credit
score improvement.

Overall, the Navy Federal Pledge Loan hack offers a powerful

strategy for individuals to effectively build and improve their credit
score while minimizing risk and leveraging their own funds.

Page 20
 PRIMARY CREDIT BUILDER
ACCOUNTS - CREDIT STRONG
Credit Strong - is a financial company that offers credit builder
accounts designed to help individuals improve their credit scores. One
notable feature of Credit Strong is their offering of credit builder
accounts that report installment loans to major credit bureaus. These
accounts are structured to help individuals establish a positive
payment history, which is a crucial factor in building credit.
Credit Strong offers credit builder accounts with varying limits, allowing
individuals to choose an option that suits their financial goals and
needs. The limits on these accounts can range from as low as $1,000 to
as high as $10,000 or more, providing flexibility for individuals to select
an account size that aligns with their credit-building objectives.
By offering credit builder accounts that report installment loans, Credit
Strong empowers individuals to take proactive steps towards
improving their credit profiles. These accounts not only provide an
opportunity to establish a positive payment history but also contribute
to diversifying credit mix, which can further enhance credit scores over
time.

Page 21
 ADDITIONAL TIPS

Aim for a mix of both revolving and

installment credit accounts to
showcase financial responsibility.
Having at least 10-12 open accounts
in good standing is beneficial for a
strong credit profile.
Consider signing up for primary
credit builder accounts if you lack
sufficient open accounts to
strengthen your credit history.
Remember, your credit profile is your
financial resume. It tells the story of
your ability to borrow money & pay it
back.
Before applying for any new credit,
review your report!
If you get denied for new credit,
make sure that you remove the hard
inquiry.

Page 22
 BUSINESS CREDIT

Listed below are the minimum requirements

for Unsecured Funding aka Business Credit
Cards.

You really want to focus in on the age of your

accounts. If you need to add more age to your
credit you will want to purchase authorized
user tradelines.

680 credit score Min

No more than 4 inquiries in the last 6
months
Min 5-8 primary accounts 10-12 is optimal
(combination of installment and credit card
accounts).
At least 3 high limit personal credit cards.
(5-6 optimal)
No derogatory or negatives in the last 24
months
4-5 years of age on credit profile is optimal
9% or less on total credit utilization. (0-5% is
optimal)

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 READY FOR YOUR NEXT
BUSINESS CREDIT APPROVAL?

Page 24
 WHAT’S NEXT?
If you follow and implement everything in this
guidebook you will be well on your way to
mastering the first step of our 4 step blueprint
to financial freedom

AND SEEING RESULTS LIKE THIS...

Page 25
START CLAIMING IT!
RESULTS LIKE THIS ARE ON THE
OTHER SIDE OF IMPLEMENTATION

Page 24

Page 26
AND YOU DON’T HAVE
TO DO IT ALONE!

Page 27
UNLOCK THE 4 STEP
BLUEPRINT TO
FINANCIAL FREEDOM

Page 28
 MASTER
PERSONAL CREDIT
Understand how to clean, build
and leverage your personal
credit to open unlimited doors
including business funding

GET APPROVED FOR

BUSINESS FUNDING
Learn to structure your
business and credit profile so
that lenders fall in love with you
to guarantee business credit
approvals for any business

START YOUR
6 FIGURE BUSINESS
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them your service

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BUSINESS & INCOME
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Page 29
ALSO INCLUDES!

Page 30
 JOIN THE COMMUNITY
1. Connect With Hundreds People Actively On
Their Credit Journey
2. Post Questions
3. Weekly Live Q&A Session
4. Special Expert Guest

Page 31
 UNLOCK BONUSES
LEVEL UP INSIDE THE COMMUNITY TO UNLOCK
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