READ THIS FIRST

WE WILL TAKE YOUR HAND & SHOW YOU HOW TO DO SELF-CREDIT REPAIR  

Until Creditgypsie officially opens we’re offering

FRIEND TO FRIEND : CAFE CREDIT IN ESCONDIDO- Cyber and Local San Diego Workshops Avl.  442 222 1205 To Register. Every Sat 2pm Escondido, North County San Diego. Donations Accepted via Google Pay: creditgypsie@gmail.com

BASIC CREDIT REPAIR TAUGHT HER

CAFE CREDIT ===== SATURDAYS 2PM:  Register for Cafe Credit Short Lecture:  Every Saturday 2pm  in North County San Diego we have an Informational Lecture with questions  following. Donations Accepted. This is a FRIEND TO FRIEND Workshop, Creditgypsie is not open yet. Our plan date to open is 2020  Jan. Call for questions 442 222 1205 or text or email creditgypsie@gmail.com. Starts Sept 8 2pm.

 

Creditgypsie is a Alternative Self Credit Repair Consulting Firm, Opening Soon. We will send your Documents to an Attorney  To Overview A possible Case, if need be.

 

The Corruption At Hand

CREDIT BUREAUS  The Credit Bureaus are Violating Consumer Acts to Profit Off Your Personal Information. It’s Out Of Control and Unregulated. They seem to be permitted to Break Federal and State Laws, while Consumers have to spend money writing Certified Letters to make their Credit Files Accurate. That is, if you even know what’s going on! We’re going to change that for you.

COLLECTIONS – Collection Agencies Can’t Collect A Dime From You Because They Have No Contract With You, and More…..

CREDITORS – Original Creditors Are Charging Off Your Account and Filing Specialty Risk Insurance Claims And Receiving All The Money You Owed Them-did you know this?  They are Paying Off Your Debt For You and You don’t even know it.   They then get a Tax Write Off, [send you a 1099 C] , [You Pay taxes on it – and on TOP OF THAT THEY send it to Collections where many times Interest is accrued. ]  THEN they  SELL it for even more money. The Account they DON’T OWN any longer, they put on your Credit Report !!!  And more… Things need to CHANGE.

CREDIT REPAIR ORGANIZATIONS – ANY CREDIT REPAIR Organization Is NOT ALLOWED TO CHARGE YOU A DIME TILL THEY HAVE COMPLETED THE WORK  per the Credit Repair Organization Act, did you know this?   Yet they are all breaking the Law.  And No Government Agency Is Shutting Down This Corruption Any Time Soon.

WE’LL SHOW YOU HOW 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
  • 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
  • And Much More

 

OUR SERVICES:

WEBINARS $50.00 THAT WILL TEACH YOU SELF CREDIT REPAIR WITH LIVE CHAT AFTERWARD  – Coming Later This Year

CONSULTING IS $50.00 PER HOUR AND YOU RECEIVE ALL THE SELF CREDIT REPAIR LETTERS. We do local Consulting at a cafe in San Marcos – Open Soon For Consulting

MONTH TO MONTH EMAIL SUPPORT  20.00 PER MONTH, CANCEL ANYTIME, This comes only with a Paid Webinar or Consultant’s Appointment – Open Soon

CAFE CREDIT SHORT LECTURE and WORKSHOP -2pm Every Sat

Starts Sept 29  2018 Call to Register 442 222 1205 Escondido, CA

 

 

—————–This page is under construction———————–

We are a San Diego startup in our second year of development

CALL ANYTIME FOR QUESTIONS OR EMAIL

creditgypsie@gmail.com

 

 

IMPORTANT VITAL CONSUMER TRUTHS

 

YOUR SCORE CAN AND PROBABLY WILL TAKE SOME SORT OF A DIVE WHEN MAKING CHANGES, BUT IT SHOULD RECOVER,

KEEP READING…

 

YOU COULD TRIGGER A LAWSUIT AGAINST YOURSELF  BY MAKING CHANGES .. HOW?

TRIGGERS ARE SOLD TO COLLECTION AGENCIES BY THE CREDIT BUREAUS.

COLLECTION AGENCIES USE YOUR JOB INFO TO FILE JUDGMENTS AND GARNISH IF THEY CAN. IF THEY DID NOT HAVE CURRENT INFO ON YOU , FOR SURE THESE “TRIGGERS” THAT WERE INQUIRIES/ APPS FILLED OUT FOR OVER 70 DIFFERENT TYPES OF THINGS… IS ALL YOUR CURRENT INFO THAT YOU PUT ON THESE APS SENT AND SOLD STRAIGHT TO COLLECTION AGENCY VULTURES AND OTHER FINANCIAL INSTITUTIONS ACROSS THE NATION. START AT THE SOURCE THE CREDIT BUREAUS AND STOP THEM FROM SELLING YOUR INFO WITH OUR LETTER.

ANY TIME YOU RESPOND TO A COLLECTION AGENCY, THEY WILL BE ON YOU LIKE HOT GLUE TO DEMOLISH YOU AS A PERSON. DISPUTES, INQUIRIES, ETC… ESPECIALLY CONSUMER CREDIT COMPANIES THAT FILE FRIVOLOUS  DISPUTES THAT DO NOTHING FOR YOU AT ALL. SEE OUR WEBSITE FOR MORE INFO.

 

BY NOT OPTING OUT OF TRIGGERS WITH THE CREDIT BUREAUS, YOU ARE GIVING THIRD PARTY DEBT COLLECTORS YOUR FREE JOB INFO AND MUCH, MUCH MORE. AND ALL BEHIND YOUR BACK. MOST CONSUMERS HAVE NO IDEA WHAT TRIGGERS ARE. GO TO MY WEBSITE FOR MORE INFO. CREDITGYPSIE.COM.    IF YOU HAVE A JOB AND OR PROPERTY AND YOUR WITHIN THE STATUTE OF LIMITATION IN YOUR STATE YOU CAN BE SUED AND GARNISHED IF ALLOWED IN YOUR STATE. ALL INQUIRIES TURN INTO TRIGGERS. THIS IS YOUR CREDIT APP INFO ALL SOLD TO THIRD PARTY DEBT COLLECTORS, YES FOR ABOUT FIVE BUCKS A POP. WE HAVE THAT FREE LETTER FOR YOU TO SEND. AND IT’S NOT JUST CREDIT APPS. IT’S ALL KINDS OF APPS THAT TURN INTO INQUIRIES AND SOME THAT DON’T TURN INTO INQUIRIES AT ALL, BUT THE INFO IS STILL SOLD.

 

ANY COLLECTOR WHO TELLS YOU YOU HAVE TO SECURE YOUR PAYMENT ELECTRONICALLY IS A LIAR

 

-AND I WONDER IF THIS VIOLATES FDCPA? I’LL FIND OUT.

 

ANY COLLECTOR WHO TELLS YOU THAT YOU HAVE TO PAY A CERTAIN AMOUNT IS A LIAR.

 

ANY COLLECTOR WHO TELLS YOU YOU ONLY HAVE A CERTAIN DATE TO PAY A SETTLEMENT IS A LIAR. THEY MAKE UP THEIR OWN DATES.

 

PAYMENT PLANS:                         BY AGREEING IN ANY WAY TO A PMT PLAN WITH A THIRD PARTY DEBT COLLECTOR, EVEN VIA EMAIL, YOU COULD BE RESTARTING THE STATUTE OF LIMITATIONS ON YOUR DEBT, WHICH IS THE AMOUNT OF YEARS SOMEONE CAN SUE YOU AND YOUR RESTARTING THE SEVEN YEAR REPORTING PERIOD, THE SEVEN YEAR CYCLE IT STAYS ON YOUR CREDIT FILE.  SAME GOES FOR REFINANCING IN ANY WAY WITH A DEBT COLLECTOR. NEVER EVER PAY TILL YOU CAN SETTLE IT OUT, NEVER MAKE PAYMENTS NO MATTER WHAT THEY SAY TILL YOU CAN SETTLE. BUT THEN AGAIN, NEVER SPEAK TO THEM, BECAUSE WELL, THEY ARE FRAUD. USE THIS LETTER. 🙂

 

NEVER HAVE YOUR REAL INFO, ESPECIALLY YOUR JOB, ON SOCIAL MEDIA. I MAKE UP FAKE HIGH SCHOOLS, FAKE COLLEGES, AND A FAKE NAME IF I COULD BUT I CAN’T. MAKE ALL YOUR FRIENDS PRIVATE AND ALL POSTS PRIVATE.

 

YOU NEED TO OPT OUT OF THE MAJOR DATA MINER COMPANIES THAT THIRD PARTY DEBT COLLECTORS USE TO FIND YOU AND SUE YOU WITH. WE’RE FORMULATING A LETTER FOR THIS.

 

VIOLATIONS OF THIRD PARTY DEBT COLLECTORS, ESPECIALLY CURRENT EMPLOYEES TIRED OF THEIR VIOLATIONS, ARE BEING REPORTED TO THE ATTORNEY GENERAL, CFPB, FTC AND OTHER ENTITIES. YES THEY ARE. WITH NAMES AND DATES AND TIMES OF THEIR VIOLATIONS AND WHAT WAS SAID, SO THE CALLS CAN BE PULLED AND LISTENED TOO AND ACTION CAN BE TAKEN AGAINST THEM.

 

YOU NEED TO BE MONITORING YOUR CREDIT ALWAYS. LIFELOCK WAS SUED FOR A HUNDRED MILLION DOLLARS, DON’T USE THEM.

 

DON’T USE MORE THAN 1 TO 3 % OF YOUR CREDIT CARDS TO BUILD THE BEST CREDIT SCORE, THAT’S FICO’S ADVICE.

 

WE DON’T DO CREDIT REPAIR. Creditgypsie.com is not a Credit Repair Service.  WE ARE CONSULTANTS ONLY AND WHAT YOUR PAYING FOR IS CONSULTING ONLY. IN THE FUTURE WE MAY DO CREDIT REPAIR.  

 

RE-REPORTED TRADELINES  Companies can RE-REPORT your Tradeline. Accurately, or inaccurately a second or third time, etc. THIS IS WHY YOU MUST FOLLOW THROUGH WITH YOUR CERTIFIED LETTERS SO IT CAN BE HANDED OVER TO AN ATTORNEY FOR SUIT.

 

COLLECTION ACCOUNTS THAT GET REMOVED            If a Collection Account gets removed, the Creditor, if not already there, can go ahead and publish their Tradeline for the Charge-Off. They can then sell it to a different Collection Agency if they want, and it starts all over. But we’re formulating letters to stop this Matrix of Greed and Fraud and Corruption.

 

WE ARE CONSULTANTS     We are consultants helping Consumers Get Free with Truth and Hoping to give them some Peace in this Destructive, Greedy Culture of Creditors, Collection Agencies, Credit Repair Companies and The For Profit Three Credit Bureaus and their Cohorts, the Sub-Credit Bureaus. Of which there are about 30,000 of. There is a list on the Consumer Financial Protection Bureau Website of the Main Sub Bureaus.

 

MONEY BACK GUARANTEE We offer a 100% Money Back Guarantee to all consumers for consulting services, no contracts , no fees.

 

FREE TRUTH    We offer FREE TRUTH, nothing we publish is a secret of any kind from any certain Company, it’s public knowledge, just not very public yet. Like “Triggers”- Which have been around Twenty-ish years.  The Violations of Third Party Debt Collection Agencies are FAR REACHING and BURDENSOME to Consumers. And being reported to Federal and State Authorities and Consumers for LARGER ACTIONS to be taken.

 

EXPOSURE      We’re here to Expose the Consumer Acts that Bureaus, Creditors, Credit Repair and Collection Agencies, [for starters] break everyday..

 

GET YOUR ATTORNEY’S ADVICE     We are not Attorney’s, always consult your Attorney before altering your credit, BEFORE sending these letters.

 

IF YOUR BEING SUED CONTACT AN ATTORNEY IMMEDIATELY  and you can send Letter 1, 2 and 3, to the Third Party Debt Collectors. They have no contract with you. Most Agencies may stop all action with the first letter, but make sure to send all 3 Certified mail and contact an Attorney.

 

NO PROMISES   We PROMISE nothing, and make no claims.  We disagree with “PROVE IT OR REMOVE IT” type slogan and we disagree with disputing items that are Valid. Understand though that, the Credit Bureaus, etc… [Collection Agencies, Creditors, Credit Repair Firms, etc…]  are publishing items which BREAK the Fair Credit Reporting Act, and other Consumer Acts, daily. This is all together different.

 

COLLECTION AGENCIES RIGHT HERE IN SAN DIEGO TELL CONSUMERS TO DISPUTE AS UNKNOWN ONCE THEY PAY THEIR ACCOUNT WITH THEM TO GET IT COMPLETELY REMOVED FROM THEIR CREDIT REPORT SO IT DOES NOT SIT THERE THE REMAINING SEVEN YEAR REPORTING PERIOD- THIS IS FRAUD AND ALL CALLS FOR THAT /THOSE COLLECTION AGENCIES CAN BE PULLED BY THE FEDERAL TRADE COMMISSION OR OTHER FEDERAL OR STATE ENTITY AND THE COMPANY CAN BE SHUT DOWN.

 

DISPUTE AS UNKNOWN    We disagree with “dispute as unknown” unless the consumer was Hoodwinked by a Third Party Debt Collection Agency who thinks it can “ATTEMPT” TO COLLECT a non existent debt without a contract between them and the debtor.  Thus, hoodwinking [ FRAUDING] the consumer into thinking they had to pay it- and very possibly pay it when:—>  the Original Creditor probably already paid it with the Insurance Claim they filed when they charged it off. But they don’t respond to our requests to see those documents. Although we ask.   There is no NOTICE OF INTENT TO SELL THE DEBT that goes into a Consumer’s hands so they know what to expect.

 

SEND everything Certified Mail with Return Receipt, you lose some of your Consumer Rights when filing electronically and when sending letters via fax you have no Certified Receipt. This is the best way to keep a paper trail incase a lawsuit is needed. Plus it’s going to have your wet signature and witness’ signatures and possibly, if you Notarize it, that as well.

 

We want all Consumers to Learn and teach their children how to do these repairs.

 

We hope to change some laws. We need your help with that.

 

SETTLEMENTS    If you’ve already settled or piffed an account with a Third Party DCA make sure to get a paid letter on their letterhead with the full account number paid, the exact amount paid. Anything less is never going to help you. File the complaint letter if an Agency fails to do this.

-If your in the midst of a Settlement or Payment plan with a Third Party Debt collection agency, get an accounting from them of exactly what you’ve paid in a letter, then begin sending our 3 Letter Series to remove it, hopefully from your Credit Report. NOT EVERY LETTER IS GOING TO WORK . There are some very Tough Collection Agencies out there, who, without a lawsuit, will ignore you.

 

CERTIFIED MAIL    If you don’t receive something because of the fact that they did not send it Certified mail [ from the Entity your communicating with], make sure to file the complaint letter next. Don’t do the run around and waste another dime or time. If they don’t send it Certified, you might not receive it. It’s on them. They demand we all send everything Certified, or they ignore us. It should not be this way. SO WE NEED TO DEMAND IT OF THEM AS WELL.

 

SOL  Even if your outside the Statute of Limitations -the amount of time for your State that you can be sued – Agencies will still try to sue unless you know the State SOL Laws. They are wolves.

 

CREDIT BUREAUS  are responding remarkably well to the Letters we have published. Removing Third Party Debt Collection Accounts of all Types , because of No Contract.

LAWS THAT NEED TO CHANGE: Coming Soon

 

 

 

————under construction———–

 

About Creditgypsie

This All Began In 2006 As A Vision

I spoke at Realtors for Christ at the California Center For The Arts

with a concept to help Consumers. It is  finally coming together

twelve years later in a much larger way.