Credit Hustle Finance

09/01/2024

Easily Repair Your Credit Yourself!

Each time the credit bureaus receive your dispute letters they have 30 days to conduct their review. That is why we allow you to update your credit report and create new dispute letters every 30 days.

06/06/2024

Get Instant Business Loans with Bad Credit (Fast Approvals)Bonus List Below: of Companies that can help get a business loan with bad credit are listed below....

05/30/2024

Go TO TRAINING: https://youtu.be/G7zRzn3MVLc?si=U5tqzX831wqi3rLxWelcome to an exciting and informative training session with Chief Business Strategist, Hunte...

05/30/2024

https://youtu.be/G7zRzn3MVLc?si=U5tqzX831wqi3rLx

Summary of the YouTube Video: (Disclaimer, this is from a 2018 that was sold for $5,000+) I just wanted to get you all a treat. I will be updating this progr...

08/27/2023

Now, who is the FTC? The FTC stands for the Federal Trade Commission and what the FTC does. It's a government body that's here to protect consumers, American citizens against fraud, and just a variety of different things on a lot of levels. But what we're going to do, as it relates to repairing and correcting credit, we're going to take a look at what they had to say in a summary of rights in which they published.

Right, now, we are here now. So if you take a look, you'll see www.ftc.gov. Anything that has a dot gov is going to be related to the federal government, slash credit. Alright, so now, I don't advise anyone to really get deep into these things. The main things that you need to know about credit is, is it accurate? Do they have the right to report it? In other words, I'm not trying to be technical, what we're doing is holding the federal law and we're using the federal law and holding the credit bureaus accountable for the items that's on your report.

So let's take a look at a summary of your rights. And I'm just going to breeze through this, because I just want to get to the nuts and bolts of this, because it's really not important to bog your brain down. As I said, this is a earn as you learn. Don't try to learn everything about this before you start actually implementing and putting these things into practice. You must be told if the information in your file has been used against you. Anyone who uses a credit report, or another type of consumer report to deny your application for credit, insurance or employment, or to take another adverse action, that's the thing that we want to know about. And that is an adverse or a negative action against you, if they hinder your way of life in any way, they must tell you, and must give you the name, address and phone number of the agency that provided the information.

What does that mean? That means if you go apply for a car, and you are denied, the car dealership is denying you based on information that it received from a third party. Also, if you go seeking employment, and you are denied employment, because of your credit, the employer has to let you know where they got the information from. So the main thing is, what you need to think about when you are talking to your client and or you are working on your own credit. If that's a situation that arises, then that's just something you should know.

You have the right to know what's in your file, you may request or and obtain all the information about you in the files of a consumer reporting agency. Your file disclosure, that's a biggie. You want to take notes and just realize your file disclosure.


Enjoy!

KNOW YOUR RIGHTS! (20 Minute Breakdown) FAIR CREDIT REPORTING ACT Understanding Government Protection for You & Your Family. Richard Dang "The Million Dollar...

08/27/2023

ARE THEY LYING? WHAT THE CREDIT BUREAUS DON’T WANT YOU TO KNOW!
Welcome to the "Credit Secrets Exposed" Playlist!
Empowering Your Financial Journey with Richard Dang
Embark on an eye-opening educational adventure led by none other than Richard Dang, aka "The Million Dollar Loan Approval Expert."
Did you know Equifax, TransUnion, Experian, and Innovus do want you to know? First of all they are not governmental bodies. They are for profit corporations that benefit off of selling and housing personal information about you. Your information is their product, the big banks are their customers, (in other words they make the bulk of their money from big corporations and lending institutions) and so who do you think their boss is? Credit Secrets Exposed in this video will blow your mind.

ARE THEY LYING? WHAT THE CREDIT BUREAUS DON’T WANT YOU TO KNOW! Welcome to the "Credit Secrets Exposed" Playlist!Empowering Your Financial Journey with Rich...

08/27/2023

How To READ a (SmartCredit Credit Report) Like a CREDIT REPAIR PRO!

Richard Dang "Million Dollar Approval Expert"

Understanding how to read your credit report is critical in your credit and finance journey. In this video I will be teaching you how to read your credit report like a credit pro. I chose to go with SmartCredit credit monitoring software because their reports are easier to read for beginners. Get ready to learn the sections of credit reports, how to locate important details about creditors, and how to properly navigate the Smart Credit credit report.

If you find that this valuable, pease consider subscribing and sharing this videos with family and friends who can benefit from understanding the credit game!

Enjoy!

How To READ a (SmartCredit Credit Report) Like a CREDIT REPAIR PRO!Richard Dang "Million Dollar Approval Expert"

08/27/2023

How Is Credit Score Calculated & What Does Credit Scores Mean?

Richard Dang "Million Dollar Approval Expert"

Understand credit scores and what it means to you is something everyone should know. Especially if your are looking to get approved for business financing, a new home, automobile, or real estate investments. In this video I will breakdown the meaning of FICO scores and how they relate to you. If you've ever checked your credit or was in the process of applying for financing and you asked yourself, "What does my scores mean as a borrower, or how does lender view my credit report?" this video will give you valuable insight into the minds of lenders.

Enjoy!

How Is Credit Score Calculated & What Does Credit Scores Mean?Richard Dang "Million Dollar Approval Expert"Understand credit scores and what it means to you...

08/27/2023

KIKOFF REVIEW: KikOff presents an avenue for enhancing your credit score without the burden of fees or interest charges. However, the question arises about the legitimacy of utilizing KikOff for credit score improvement. Can KikOff genuinely be trusted, or is it just another credit builder that over promises and underdelivers?

Recent times have witnessed a surge in KikOff's popularity, particularly among individuals seeking credit establishment or restoration. With its commitment to offering a cost-free and easily accessible means of credit enhancement, KikOff has captured the attention of many.
Traditionally, individuals in need of building or restoring credit were compelled to engage with dubious, predatory entities that resulted in unnecessary substantial charges and interest rates. Given KikOff's exemption from fees, the question arises: Is Kikoff really worth it?
In this video I’m diving into the mechanics of KikOff, shedding light on its revenue generation methods, and critically assesses whether KikOff is a reputable avenue for credit advancement.
Stay tuned and enjoy the content!

Richard Dang- “The Million Dollar Loan Approval Expert”

KIKOFF REVIEW: KikOff presents an avenue for enhancing your credit score without the burden of fees or interest charges. However, the question arises about t...

08/27/2023

Credit Utilization: 4 Ways to Increase Credit Scores Using Credit Card Balances Hacks!

Paying off credit and lowering credit card balances can improve your scores fast! But how do you pay off credit card debt? Better yet what if you do have the money to pay off your credit card debt? In this video I will be showing tips our clients use to speed up the process giving you the ability to boost their credit by 100+ overnight. If you are looking for ways to improve your credit here are a few credit card hacks that you can use to dramatically boost your fico scores quickly.

Enjoy!

Credit Utilization: 4 Ways to Increase Credit Scores Using Credit Card Balances Hacks!Paying off credit and lowering credit card balances can improve your sc...

08/27/2023

Will Adding Someone As An (AUTHORIZED USER) Help Their Credit?

Authorized user credit cards are one of the easiest way to boost your credit scores. Many people ask the question, do authorized users build credit? The answer is yes! Which brings me to the next question, does being an authorized user affect your credit? Not only does it increase your credit score but it also gives you positive credit history for the length of time that the card was first open.

There are some things you should be aware of prior to adding or being added some else's credit card that I will cover in this short video.

Enjoy!

Will Adding Someone As An (AUTHORIZED USER) Help Their Credit?Authorized user credit cards are one of the easiest way to boost your credit scores. Many peopl...

08/26/2023

Why Credit Repair Alone Does Not Work! The Importance of Adding Positive Trade Lines

When it comes to improving your credit profile, the focus is often centered on removing negative items such as late payments, collections, and bankruptcies. While credit repair is undeniably crucial, it's essential to recognize that building a robust credit history goes beyond simply fixing past mistakes. The secret lies in adding positive trade lines to your credit profile – a strategy that can significantly enhance your financial standing.

Balancing Act: Removing Negative Items vs. Adding Positive Trade Lines

Credit repair companies often promise to wipe away derogatory marks from your credit report, and indeed, this can lead to a notable improvement in your score. However, the absence of negative items alone won't necessarily propel your credit score to impressive heights. A credit score is a comprehensive reflection of your creditworthiness, and lenders are equally interested in assessing your credit management capabilities as they are in evaluating your credit challenges.

The Power of Positive Trade Lines

Positive trade lines, which include accounts like credit cards, loans, and mortgages that you've been managing responsibly, contribute substantially to your credit profile. These accounts showcase your ability to handle credit responsibly, pay bills on time, and manage various credit types – all critical factors that lenders consider when extending credit.

Adding positive trade lines can:

Diversify Your Credit Mix: Lenders appreciate a well-rounded credit history that demonstrates your ability to manage different types of credit responsibly. A mix of credit cards, installment loans, and mortgages can bolster your credit profile.

Establish a Strong Payment History: Consistent on-time payments are the backbone of a healthy credit score. Positive trade lines show that you're reliable in meeting your financial obligations.

Lengthen Credit History: The length of your credit history plays a role in determining your credit score. By adding and maintaining positive accounts over time, you contribute to a longer credit history, which is a positive indicator for lenders.

Increase Available Credit: Responsible credit management often leads to credit limit increases. Higher available credit can improve your credit utilization ratio, which in turn boosts your score.

The Winning Strategy: Credit Repair and Positive Trade Lines

Instead of solely relying on credit repair to elevate your score, consider a holistic approach that combines removing negative items with adding positive trade lines. This dual strategy presents a comprehensive picture of your financial responsibility and can lead to more substantial and lasting improvements in your credit profile.

Ultimately, building good credit involves a combination of responsible credit management, prudent financial habits, and an understanding of how the credit system works. So, if you're working towards a healthier credit score, remember that credit repair is just one piece of the puzzle. Adding positive trade lines is the proactive step that completes the picture and can significantly enhance your creditworthiness in the eyes of lenders.

How To Apply For An SBA: https://youtu.be/ImAZazjqqQM

Why Credit Repair Alone Does Not Work! The Importance of Adding Positive Trade LinesWhen it comes to improving your credit profile, the focus is often center...