creditgypsie.com

CYBER CONSULTANTS FOR SELF CREDIT REPAIR

The Credit Repair Organizations Act is LAW —– [ 15 U.S.C. §§ 1679-1679j ] but being IGNORED by most Credit Repair Companies. You are not to be charged as a Consumer till the Repair is Complete. This is the Law!

But Credit Repair Agencies are scooting around this law calling their fees different things like: Membership, etc….   
AS CONSULTANTS WE WILL WALK YOU THROUGH BASIC SELF CREDIT REPAIR –
WE WILL REFER YOU TO AN ATTORNEY IF THE ENTITY IGNORES YOUR LETTERS – 
YOU CAN DO THIS YOURSELF- WE WILL CONSULT YOU THROUGH IT – 
50.00 PER MONTH/ CANCEL ANYTIME/ WAY LESS THAN CREDIT REPAIR ORGANIZATIONS with their fees and schedules –
OPENING IN 2019 We are Consultants, Not A Credit Repair Organization, All money received is as a Consultant, you will do the Repair Yourself and Learn so you can teach your family and friends to do the same. 

 

WE’LL SHOW YOU HOW TO present THE LAW TO REMOVE

Bankruptcies
Judgments
Third Party Debt Collections
Inquiries Removed -All Types
Liens
Late Payments
Foreclosures
Errors
Unverified Information
Inaccurate Information
All Addresses Except One
All Names Except One
All Phones Removed
All Employers Removed
All Public Records Removed
All Spouse Information

TRIGGER DEMAND LETTER Demand Demand For the Credit Bureaus To Cease From Selling Your Inquiry [Etc] Information to Collection Agencies and Other Financial Institutions as “Triggers” #triggers

PRE-SCREENED CREDIT CARD OFFER DEMAND LETTER Demand To Credit Bureaus to Cease from Opting You In [automatically] to Pre-Screened Credit Card Offers of Credit Permanently, not just 5 Years.

DATA MINER Demand to Major Data Miners To Remove Your Info From Their Databases

Custom Letters, Settlements, Complaint Letters

And Much More

 

They get ONE Chance to make it right, THEY ARE ALREADY BREAKING LAWS IN SOME CASES

Then You send a Complaint Letter IF YOUR IGNORED

Then We Call An Attorney For You IF THEY REFUSE TO COMPLY WITH THE LAW to overlook and review a possible case.

They are usually ALREADY BREAKING THE LAW from the start. Why do they deserve another moment?

The way MOST Credit Repair Firms are doing things is framed to waste your time and your money. As well as taking your money before they have done the work. They are getting away with taking your money by calling it something other than Credit Repair. And  NOT TELLing YOU THE WHOLE TRUTHS that will set you free as a Consumer. This is why YOU CAN DO THIS YOURSELF for WAY -WAY less money, and we’ll Walk You Through It as Consultants.

THE FOR PROFIT, YES FOR PROFIT CREDIT BUREAUS  sell all your personal Job, Phone Numbers, Etc from your Credit, Etc Applications to The Third Party Debt Collectors [Who can then Sue and Garnish] as  well as they Publish Their Records and Trade Lines While Breaking the Fair Credit Reporting Act. These are not lies.  

THIRD PARTY DEBT COLLECTORS have no  power over you and there are KEY reasons why you want them Obliterated off your Credit Reports Immediately, even really old Accounts that are past the Seven Year Reporting Period that are sitting in their office. Collectors will continue CONTINUE to pull your Credit Report causing Inquiries on your Credit Report. They have NO CONTRACT with your wet signature, only the Original Creditor has that. Most TPDCA Accounts get removed with out letters. 

CREDIT REPAIR PEOPLE/ORGANIZATIONS   Are Not Legally Allowed To Charge You A Dime Till They Have Completed The Repair. Did you know this? This is the Law! If your unsatisfied you can get total refunds and sue them for breaking the Law. This Law was in acted to keep Credit Repair Companies from Charging you before they actually completed their work. For the most part these Companies have ignored this CONSUMER LAW. WE urge you to learn to do your own Credit Repair with our Consultants. Our experts turned Consumer Advocates and Consultants are here to walk you through this process. This Act, Title IV of the Consumer Credit Protection Act, prohibits untrue or misleading representations and requires certain affirmative disclosures in the offering or sale of “credit repair” services. The Act bars companies offering credit repair services from demanding advance payment, requires that credit repair contracts be in writing, and gives consumers certain contract cancellation rights. We will forward any complaint about a Credit Repair Organization violating this law for you and see if you have a case. We’re here to help consumers and demand compliance in the Finance Industry

THE  CREDITORS  file Insurance Claims on a portion of their Charged Off Accounts with their Trade Credit Insurance Policy. They  receive back part of all of the debt you could not pay [satisfying your debt for you] and then place it on your Credit Report when they don’t even own the Account Any Longer. They get a tax write off when they file their loss with the IRS. They receive income when they SELL IT to a Collection Agency. The IRS sends you a 1099C if it’s over 600.00 and you pay taxes on the FORGIVEN AMOUNT. So if your paying taxes on an amount Forgiven, and then a collection agency comes after you for an invalid amount, think about it, your paying way MORE than you should. Especially if they are charging interest. Your overpaying. 

CHARGE OFF DATES Are MOVED FORWARD ILLEGALLY BY COLLECTION AGENCIESWhen an account goes to Collections, the Third Party DCA 99% of the time ILLEGALLY moves the Charge-Off Date AT least two years FORWARD which is against the LAW/ THE Fair Credit Reporting Act. Look at your Credit Report and You’ll see exactly what I’m talking about.

DO YOU REALLY OWE THE DEBT TO TO ANYONE?  This is not about not paying what you owe, it’s about Unethical Behavior and Crimes Against Consumers  CREDITORS CHARGE OFF THE ACCOUNT AND NO LONGER OWN IT so legally you can’t even pay them. They will FORWARD it to the Collection Agency who has no Contract with You and who is BREAKING LAWS.   COLLECTION Agencies have no contract with your wet signature, SO WHY would you pay them? This is the questions at hand.  VIOLATIONS against the Consumer BEGIN WITH THE THIRD PARTY DEBT COLLECTION AGENCY when they lie on your Tradeline and say, You “Opened” an account with them and they change the Charge-Off Date at best Two Years Forward. Even if they did have a contract with your wet signature why should Lawbreaking Agencies get a dime? Why should deceptive Companies who Harass and Lie Consumers get a darn thing? They have no ethics and no morals whatsoever as legitimate Business Owners in America.  They don’t value people they value money. THESE AGENCIES NEED TO BE SUED FOR THEIR IMMEDIATE dis valuing of the American Person, which abolishes your alleged debt and hopefully the FTC or CFPB will place a Class Action Against them as well. 

 

 

 

 

 

 

 

 

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