There are so many ways to fix your credit but BCC advocates to do it yourself its a process but you can save thousands of dollars. This article is by Vicky Samuels a Atlanta/Athens base Mortgage Lender.

Are you having difficulty with your student loans and need Free Advice? Check out this article it may help you get moving in the right direction! #Coach

This calculator from Bank Rate is simple but yet effective, give it a try and see how you can in front of your debt.

Freddie mac published a guide that helps beginners grasp the basics of credit and finance education. This is a free resource and I encourage you to read it if you have time! #Coach

This document should be used to request the addition of any revolving or installment loan that you are currently making payments on that is not included on your credit report. Use this document to add POSITIVE accounts.

The purpose of this document is to request full disclosure of any information about you that was used to deny your credit application other than what was on your credit report.

This letter should be used to request that inquiries are reporting correctly and that duplicate inquiries are deleted.

This letter should be used to request that the credit bureaus delete information that is obsolete and still reporting after 7 years.

The purpose of this document is to allow an explanation of any late payments and to have the payment information corrected on your credit report by your bill collector, collection agency or creditor. The corrections included in your credit report will provide an accurate history of your financial habits.

This letter should be used to request that a married couple's credit reports remain separate and that the information is removed from the other spouse's report.

The purpose of this document is to settle a debt for less than you owe with an Original Creditor. Send 2 copies for his/her signatures.

The purpose of this letter is to remind the Credit Bureaus of a letter previously sent requesting an investigation of inaccurate or incomplete items on your credit report.

The purpose of this letter is to file a complaint to the Federal Trade Commission (FTC) against a loan company due to predatory lending practices. This entrusts the FTC to investigate the company and take appropriate actions. There is also a website at the FTC to assist in filing a complaint at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en All other information regarding complaints to the FTC can be found here: http://www.ftc.gov/ftc/contact.shtm

This letter should be used to request a copy of your credit report ONLY if you have been denied credit in the last 60 days.

Letter to Request Credit Report: This form should be printed and filled out per the instructions on the form to request a copy of your credit report if you are not permitted a free copy based on your state of residence, or if you are unable to obtain a free copy from www.annualcreditreport.com. Do not use this letter if you have been denied credit in the past 60 days.

The purpose of this document is to have the Credit Bureau correct inaccurate information. Similar to DOC ID 053/143.

The purpose of this document is to inform the Credit Bureau of inaccurate items on your credit report that should be deleted.

The purpose of this document is to notify a Bill Collector, Creditor or Collection agency that a response has not been received by the 30-day requirement.

The purpose of this document is to request a reinvestigation of a previous dispute that was denied as " frivolous, false or irrelevant". Credit bureaus will typically use this designation if the same account has been disputed multiple times.

This letter should be used to request that a consumer statement be added on the credit report after an investigation was not resolved.

The purpose of this document is to request the consumer statement be included on the credit report to make other creditors aware of the dispute.

The purpose of this document is to request a Statement of Circumstances be considered when applying for new credit. It is intended to be read by the new creditor as an addition to your credit application and credit report.

This letter is used to request that the accounts are marked as being included in Bankruptcy, if they are not showing as such on your credit reports.

The purpose of this document is to dispute with the credit bureau information concerning payment history.

Use this letter to inform your current creditors that you are having temporary financial difficulties, but will be able to resume regular payments.

This letter is used to inform your current creditors that you are having financial difficulties and to request a reduced monthly payment amount, without closing the account.

The purpose of this document is to inform the creditor of the inability to pay the debt and cease phone calls pertaining to the debt.

This letter should be sent to creditor's that have re-verified and validated your accounts in order to request a settlement. Print, fill out and enclose a Debt Settlement Agreement of your choice from our website to complete. Or while you are editing this document, delete the sentence in the last paragraph, “I have taken the liberty of enclosing such an agreement which you may consider.” and send as is.

This letter is used to file a complaint against a creditor to the Federal Trade Commission.

The purpose of this document is to provide you with a master data worksheet to organize all the typical information that is used in applying for credit and/or loans. This document should printed out by you and only kept by you in a safe place, as the information you would list here is personal identification information including your SSN and bank account #s.

THIS FORM SHOULD BE USED AT YOUR OWN RISK, MAY REQUIRE LEGAL ADVICE THAT BCC DOES NOT PROVIDE! YOU MUST DOWNLOAD THIS FROM OR USE IT AT THE WWW.IRS.GOV WEBSITE! Form 433-A is used to obtain current financial information necessary for determining how a wage earner or self-employed individual can satisfy an outstanding tax liability.

This log is used to track your student loan activity.

This document is sent to propose a payment plan based on financial difficulties. It contains your suggested wording for the Creditor to use in reporting to Credit Bureaus.

This document is used to help clients prioritize the importance of each debt.

This log is used to track what letters are sent, to whom, for what and the outcome or next steps to take. This log is oriented as landscape for printing out and using manually.

This request is to include a short statement or explanation of your credit situation with your credit report. The statement must be 100 words or less.

This letter should be sent to creditors to request deletion of any erroneous inquiries listed on your credit report.

This document allows you to provide information not currently included on your credit reports that demonstrates proof of further financial stability.

This letter should be sent to creditors that have received a judgment against you, after the terms of the judgment are paid in full to request discharge and removal of the negative entry.

This letter should be sent to the credit bureaus to request correction of incorrect information and include proof of those errors.

This letter should be sent to your creditors if they are reporting incorrectly and have verified incorrect information with the credit bureaus.

This letter should be used to request evidence that there is a legal obligation for client to pay a debt.

This letter should be sent to your current creditors to notify them of a billing error and to request corrections.

THIS FORM SHOULD BE USED AT YOUR OWN RISK, MAY REQUIRE LEGAL ADVICE THAT BCC DOES NOT PROVIDE! YOU MUST DOWNLOAD THIS FROM OR USE IT AT THE WWW.IRS.GOV WEBSITE! An offer in compromise (offer) is an agreement between you (the taxpayer) and the IRS that settles a tax debt for less than the full amount owed.

This document allows you to estimate or calculate total assets held by you on a balance sheet showing all property, both tangible and intangible, and claims against others that may be applied to cover your liabilities.

The purpose of this worksheet is to compare assets and debts.

This document notifies the Credit Bureau or Creditor of your new address. Write in your effective date.

This document is a general product or service complaint letter, to recoup replacement or refund of purchase price or other satisfaction.

The purpose of this document is to file a formal letter of complaint concerning unfair debt collection practices. Copies of this letter can be sent to FTC and your state Attorney General's office.

The purpose of this document is to request the merging or union of a spouse's credit report.

Similar to DOC ID 052 Corrections to Credit Report, this letter requests the investigation and/or correction of disputed items found in your credit report.

The purpose of this document is to request a reinvestigation of a credit report.

This letter offers to return Secured Property, purchased on credit.

An unsolicited offer is what you propose to pay your creditors without having an initial talk regarding settlement of your debt. The Unsolicited Offer Letter helps you to have the first written communication on debt settlement with your creditor. This letter is intended to be used in conjunction with the Debt Settlement Agreement letter.

This letter should be sent as terms between a Collection Agency authorized on behalf of a Creditor and You the Consumer, regarding an agreement to settle a debt by legal binding action. This letter can sent on its own or with a Debt Settlement Proposal.

This letter is sent to the original Creditor to request a period of no payments on an account. This should be a temporary situation and it is best that you fulfill your obligation within the time-frame you set as soon as you are able.

This letter should be used as an explanation for closing an account.

This letter explains to the Trustee that the client is a victim of identity theft and the matter will be held up in court.

The purpose of this worksheet is to prepare of list of immediate contacts for creditors, banks and credit card issuers in the case of identity theft or fraud.

The purpose of this form is to request to permanently Opt-Out of targeted credit or insurance offers. This document is a request for the client to not have any information released to companies seeking to send promotional materials. It must be signed and include your social security number. To Opt Out for only 5 years or to Opt In for firm offers of credit or insurance, please visit https://www.optoutprescreen.com/?rf=t

The purpose of this document is to enter in monthly expenses and income to come up with a budget.

The purpose of this document is to record a log of money spent.

How not to loose your earnest money in a real estate transaction is key to working through hard transactions. Time is of the essence and you have the responsibility as the purchaser to understand your monies value!

Understanding FHA Guidelines for beginners, it's a YOUTUBE channel and BCC only recommends this as a guide.

On any given day, US consumers are bombarded with various advertisements for “free” credit scores. These offers come from a wide variety of vendors who tout the bene ts of knowing one’s credit score. Yet, despite that onslaught, surveys show that most consumers understand very little about credit lending decisions and even less about credit scores. Why?

The Coach Recommends this as a FREE Resource for On-line Help and credit evaluation.

Often times debt collectors buy good debt from the initial owners but the information could be wrong. This article gives examples of how things could go bad! #Coach

Have you ever received a phone call from a poser acting like you owe them something or trying total your hard earned money. This is a must read for you and your friends! #Coach

In life sometimes we get overwhelmed or over extended and next thing you know we are in DEBT! This resource will help you get a grip on how to Cope with debt. #Coach

The Consumer Action Handbook is packed with information that can be accessed to get information in a number of categories. It is a guide that may prove valuable to some and helpful reference for others. #Coach

The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

If you want to qualify for Public Service Loan Forgiveness now or in the future, complete and submit the Employment Certification form as soon as possible. Too many borrowers wait to submit this important form until they have been in repayment for several years, at which point they learn that they have not been making qualifying payments. In order to ensure you’re on track to receive forgiveness, you should continue to submit this form both annually and every time you switch employers.

Use this document to escalate your validation with a creditor. Your efforts are minimal and it's time to really target the issue for lasting results. #Coach

FTC

Credit karma is an independent company that is totally separate from CCS. We understand those who are using multiple avenues to get results and our system supports our clients by offering specific tools for results.

Credit Freeze is used when your data has been compromised. I recommend this process in lieu of what just happened with Equifax on 9/7/17.

Credit Smart, VAREP Information

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Example of Podcast Broadcasting fo the Power 2 Live Brand!

This overview provides insights to Habits that will propel you and your organization to better success systems.

This is an article about use of Credit and Companies

Before you walk down the aisle talk about finances and decide how you will manage your money.