We have the FASTEST & BEST CREDIT SOLUTION ON THE PLANET.  NOBODY DOES IT BETTER.

You are only one simple step away from Financial Independence.

You must use your good credit to create assets, not liabilities.  Most people are financially ignorant and only use their credit to acquire liabilities such as cars, houses, and furniture. All of these are liabilities.

You can use your good credit and your signature to create unlimited wealth by acquiring cash flow using the bank's money and then buying assets and creating immediate income-producing assets.

To become Financially Intelligent, so you must use this money wisely.  Borrowing Other People’s Money is not free, and it’s not cheap, but it’s better than using your own.  All the successful people in the world, somewhere along the way, have used Other People’s Money to become wealthy.  Money loves speed and you don’t have enough time to save it all yourself.  Most people have NO IDEA what they would do with ONE MILLION Dollars or Even $10,000. You need to know how to use this money.  We can help you.  Know what you don’t know.

1.    We have a resource who can delete all inaccurate negative information from your THREE bureau files in about 10-20 days! This will shave MONTHS off your credit repair and get you closer to FUNDING in literally DAYS! As you probably already know when a typical repair company tells you something like 45 days, what they mean is that they may be able to remove one or two negatives. They merely use carbon copy letters that are highly inefficient with the bureaus. They will actually take many months to delete MOST of it, rarely all of it, ever.

2.    At the exact same time you are getting your negatives off your reports, you need to add POSITIVE trade lines to your reports.  They must also be LEGAL Authorized User trade lines (these are like the ones parents put on their child’s credit when they turn 18 to get their credit started), or ASSUMABLE PRIMARY trade lines that you actually acquire, like when you buy an established business, you may be able to transfer the credit from that business to you! We have resources who will help you ad these trade lines legally to get you to the most funding and best interest rates on any purchases. A 2% lower interest rate on a mortgage for instance could save you several HUNDRED THOUSAND dollars over the life of the loan!

These trade lines are not an expense but an INVESTMENT that allows you to build up a great credit score quickly.  TRADELINES options.  We have a 6 Trade line package for Thousands of dollars cheaper than anyone else on the planet!

3.      We analyze your credit and financial situation to see the best formula to get you all the funding you want.  More funding, more opportunities, better opportunities, bigger opportunities.  In many cases with a decent file to begin with, our resources can get someone up to $600,000 in personal funding and $600,000 in business funding, even if you have no business at this moment.  Amount of funds depends on many factors including INCOME DOCUMENTS.  Lenders want to know there are going to be paid back!   Many lenders will lend on a good FICO score only, but more documentation =more money.

4.      Once you have become Financially Educated there are HUNDREDS of avenues to invest in and we have found 6 that are the best for making money on AUTO_PILOT.    While we do not sell investments or are investment advisors, we offer your ideas on where to put your newly acquired money.  We have NO COST income opportunities and FREE educational courses, training, materials, etc.    You can buy a McDonald's franchise and retire.  You can create Financial Freedom using the greatest wealth creation tool in the history of mankind, the Internet!  Or you can invest in residual producing passive investments.    Or start a business you are passionate and excited about. People rarely fail at something they are excited about.  We have a 100% investment bank which only requires small upfront deposit to acquire a business or real estate project!   Once you acquire your funding, you can use this lender financing (no FICO is needed for this funding!), to partner with us on projects which we have management for so you can cash your paychecks every week at the bank,   or use it to acquire your own investments.

5.      We also help you “Be the Bank” by helping others with upfront costs and they will gladly pay a fee to use your funding for a month or so.  Make tens of thousands of dollars helping others become financially free!   This is the first place you need to invest some of your funding.  Others are happy to pay a fee to borrow your money to become financially free!  Like we say, when YOU want to acquire wealth the focus should always be on what you can give, not on what you can get!

6.      We have financial brokers who know how to leverage money up to 40 to 1.  The returns on their cryptocurrency investments have returned 25,000% the last 6 months!   They know how to invest institutionally and invest where the rich invest.  Opportunities that the ‘average joe’  is not privy to!

7.      You must talk to a financial mentor who can guide you in options.  They are not financial, security, or investment, advisers but offer ideas and in depth wisdom not known to the general public on many income opportunities.   Email us at mmu@mail.com  to arrange a phone call with them.

EXAMPLES OF OUR TRADELINES

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Talk to a financial mentor to get details on what is available within your budget. In many cases we have “Be the Bank” members who have already been funded and will help you with upfront costs.   They charge a fee, but the tradelines can take you from ZERO in funding to several hundred thousand dollars.

To take advantage of our services you must first be a member and to join just click here to see the benefits of our memberships.

Then once your credit restoration is complete you’re ready for funding and step TWO!

*DID YOU KNOW... If your bad debt is with a third party debt collector, you are only liable for what THEY paid to buy that bad debt!  That could usually be only 5 cents on the dollar! Your debt is not really $5,000 it is only $250!

*DID YOU KNOW...There are many legal, ethical and moral ways to get your credit repaired. Almost everyone’s credit report has errors in it. And there are three reporting agencies (Equifax, Experian and Transunion) so you can imagine how many errors there could be on yours!  Some are technical errors, some bad debts that are old enough they should be removed, and some very good credit repair companies can negotiate to get your bad credit mark reversed with just a commitment to start paying a little bit every month.

Bottom line is--there are solutions to any problem.

Adding yourself to other people’s good credit is one way to add positive marks on your report.  Parents do it all the time for their kids to help build up their credit report.

Some items can come off quickly, some things may take months, if ever. It depends on the repair company you use. Some operate unethically and there are many credit repair dimwits out there. Everyone and his mother thinks they can do credit repair. Stay away from promises too good to be true. We have spent thousands of hours researching, testing, monitoring and studying these companies to find the best company for any particular situation.

It’s illegal for credit companies to charge you upfront and not disclose the costs to you, or not give you a 3-day right to cancel, or not explain the services they’re offering including how long it will take and your legal rights!  Make sure they deliver what they promise and put it in writing! Then, make sure THEY sign it.

Make Sure You Obey the Laws Regarding Credit Restoration. There are legal ways to do things and illegal ways!

A FICO score is a credit score that determines the likelihood that credit users will pay their bills. The score is developed using models and mathematical tables that assign points for different elements or pieces of information that best predict future credit performance.

FICO scores range from 300 to 850, and are calculated based on payment history, balances owed, length of credit history, types of credit used, and new credit history. FICO 08––introduced in the latter part of 2008––is a new scoring formula designed to more accurately predict loan defaults. One of the primary purposes of FICO 08 was to eliminate the practice of “piggybacking.” This occurs when individuals are permitted to add authorized users on their credit accounts to boost their credit scores. Many lenders have opposed this change because it inhibits compliance with Federal Reserve Board regulations and hinders authorized users, such as spouses and college students, from establishing or maintaining a credit rating.

Millionaire Mentor University does not do credit repair. However, we have strong contacts who are able to achieve amazing results quickly. They know the secrets 99% of the credit repair companies do not know.  The difference in knowing the secrets that the 99% don't know is the difference between obtaining $20,000 and $300,000.  

There are options for every budget. The bottom line is-- if you have more money than time you spend the time, taking the slower route. This could take several months to repair a credit file. Many negatives may never come off.  It's important to be realistic;  you can't expect decades of credit issues to be resolved in a few weeks. 

However, if you have more money than time you can fast-track the process and usually get the credit repaired, sometimes in as little as a few days. Either way, having good credit vs. GREAT credit is the difference between $20,000 and $300,000.

Financial Freedom Club has three credit specialists with different talents to get your FICO scores up to where they need to be!

  1. Our law firm can not only remove many negatives but get you a CASH settlement for their inaccurate reporting on your files! Up to 2k per negative!  This flips a negative into a wealth creation product!  Nobody else can do this and it’s included FREE with our memberships.
  2. We have a credit repair specialist who will do a audit using proprietary software to best attack what the law firm will not work on,  (Inquiries, late payments, public liens).  The credit repair is FREE also, however they will charge you a nominal $299 for the analyzing of your file at that time, and a very specific report on exactly how to attack the files with specific bureaus and do it fast.  Nobody can guarantee removal of accurate negatives, only a credit bureau can do that, but this is the best  repair specialist available.
  3. We also can help you with our debt discharge blueprints.  There is a legal remedy to cancel your debts.  That is included FREE with membership also. The information here is priceless.
  4. Sometimes it may be smarter to negotiate a settlement on your debts because it can then be used as a Positive Primary on your report.  Sometimes a settlement can be done for as little as 10 cents on the dollar!  This process can be much quicker as well!

We are here with CPN resource contacts who can help you reach your goal of being debt free through credit repair or by obtaining a new credit profile with a CPN (Credit Profile Number).

A CPN or SCN (Secondary Credit Number) are the same thing. It is advised not to use a CPN as a permanent solution since there are things that you cannot use it for, but it is a great way to continue on with life while having your credit repaired. All CPN/SCN numbers are tri-merged, validated and skip traced before being delivered or issued. We do not sell or issue recycled or issued SSN numbers.

What can you use a CPN for?  Below is a list of the items that can be obtained using a CPN: 

  • Auto Loans
  • Credit Cards
  • Personal Loans
  • Medical Loans
  • Business Loans
  • Hard Money Loans
  • Apartment Rentals or Leases
  • Bank Accounts
  • Cell Phones
  • Utility Bills 
  • And Many, Many More!!

What you CANNOT use your CPN/SCN for...a CPN cannot be used for any loan that is government-related, such as:

  • Military Loans
  • Child Support
  • Obtaining Mortgages or Home Loans
  • Paying or Filing Taxes
  • ANY Government Funding

What is needed to create your CPN file?

  • Name
  • DOB
  • New Address--a street address (not a PO Box) that has never been associated or linked to your credit report
  • New Phone Number (optional)
  • New Email Address (optional)

2 NEW "SECOND CHANCE" FUNDING PROGRAMS!

1. Want to know how with a couple of baby steps you can become FINANCIALLY FREE with a FICO score as low as 580?

  • With 2 paystubs and 2 bank statements, in other words some form of income
  • No recent derogatories of any kind within the last year
  • Photo ID

We can get you about $5,000.  Now here is where it gets interesting.

With that $5,000 we can get you CPN funding up to $100,000.

With that money you can enter our “BE THE BANK” income opportunity,  the JV partner program,  AND use some for a down payment on our 100% financing for business or real estate projects.

With that kind of money you can do all 3!

  • Acquire 500k assets for about $18,000 down that nets $250,000!
  • Help 10 other people a month get funding and make $15,000 a month without working!
  • Join a savvy team of financial experts and make up to $12,000 a month without working while they pay off your loan payments!   A $200,000 balloon payment also is part of the equation and a tax strategy to eliminate 98% of your taxes!

The rules of wealth creation are no secret, you do certain things you get certain results.  It’s that simple.

Sign up on our CONTACT US link to get started!

2. NEW PROGRAM FOR 500 FICO CLIENTS!  Get up to $10k for investing!

We now have another amazing lender partner who can now get those with FICO scores as low as 500 up to 5k or even more in funding.  We started with the 580 FICO program and now we have an even easier funding partner!

All you need is:

  • No recent derogatories
  • 2 Years residential history
  • 2 Years income verified
  • 2 trade lines posting to your credit file
  • 1 Paystub
  • No recent collections
  • If you have collateral such as a car, etc. we can get up to 25k!
  • No bankruptcy last 2 years!
  • You will need to go into the bank to pick up your check, so you may have to drive!  Some states may not be available for funding.
  • Takes about a week after all docs are in!
  • All we check is your EQUIFAX scores, so it’s easier!
  • No bank statements are required.

Usual 20% success fees are due upon funding; however, you will invest in our “CPN No-FICO funding program” to get up to $80,000 and half this fee will be applied to your next funding, so we can get you more money!

Once that money comes in (approximately 45-60 days), you are in retirement mode! Help others with their upfront fees and make 5k, 10k, 25k, a month PASSIVELY. No work involved. There is no shortage of people who want money!

Sign up on our CONTACT US link to get started!


McCarthy Law: The Top Errors That We Sue Banks and Credit Reporting Agencies for Failing to Correct After Dispute

 1.  The Consumer paid the account balance in Full, but the credit report still shows the consumer owes the creditor:  The account was paid in full and should be reporting a zero balance.

  • Supporting Documentation needed for Lawsuit: 
    • Dispute Letter Sent
    • Response to Dispute Letter
    • Credit Report
    • Settlement Letter or Cancelled Settlement Payments/Checks

2.  The consumer paid less than the full account balance in a negotiated settlement, but the credit report still shows the consumer owes the creditor:  The account was settled and paid at a reduced amount.  The creditor has not applied the settlement payment and is still reporting the full balance.  The account should be reporting a zero balance.

  • Supporting Documentation needed for Lawsuit: 
    • Dispute Letter Sent
    • Response to Dispute Letter
    • Credit Report
    • Settlement Letter or Cancelled Settlement Payments/Checks

3.  The creditor issued a 1099C to the consumer but it still showing the money as due from the consumer:  A 1099C was issued for the full balance on the account.  The creditor is still reporting the full balance, but the balance should be reporting as $0.  (Chase is one creditor that issues a significant number of 1099C to consumers).

  • Supporting Documentation needed for Lawsuit: 
    • Dispute Letter Sent
    • Response to Dispute Letter
    • Credit Report
    • 1099

4.  The account was sold to a debt buyer or different creditor but is showing as still owed to the original creditor:   The original creditor is still reporting the balance owed.   The account should be listed as transferred to another lender and the original creditor should report a zero balance.

  • Supporting Documentation needed for Lawsuit: 
    • Dispute Letter Sent
    • Response to Dispute Letter
    • Credit Report

5.  The consumer is listed as owing the same money to the same creditor twice: The account is reporting twice on a credit report.

  • Supporting Documentation needed for Lawsuit: 
    • Dispute Letter Sent
    • Response to Dispute Letter
    • Credit Report

6.  Unknown account on credit report: Consumer has no knowledge of the account.

  • Supporting Documentation needed for Lawsuit: 
    • Dispute Letter Sent
    • Response to Dispute Letter
    • Credit Report

7.  Debt buyer bought the debt from another creditor and re-aged the last paid date on the credit report:  Many debt buyers state the last paid date as the date they purchased the account, which is not accurate.  The last date paid often happened long before the account was transferred.  Refer to the original creditor last paid date to find this error.

  • Supporting Documentation needed for Lawsuit: 
    • Dispute Letter Sent
    • Response to Dispute Letter
    • Credit Report

8.  Short sale listed as a foreclosure instead of a short sale: Short sale is listed as a foreclosure. Should be reporting as “settled and/or sale for less than the full balance.”

  • Supporting Documentation needed for Lawsuit: 
    • Dispute Letter Sent
    • Response to Dispute Letter
    • Credit Report
    • Short sale documentation

9.  Date of foreclosure incorrectly shows as much later than allowed: Foreclosure dates should be listed as Foreclosure within 30 days of the actual foreclosure date.  If later, it is an error.

  • Supporting Documentation needed for Lawsuit: 
    • Dispute Letter Sent
    • Response to Dispute Letter
    • Credit Report
    • Default Mortgage Notice
    • Notice of Trustee Sale
    • Trustee Deed Upon Sale

10.          Consumer filed Chapter 7 and debt included in bankruptcy is still showing due:  All debts included in the bankruptcy schedules should show a zero balance post-bankruptcy unless they were reaffirmed.

  • Supporting Documentation needed for Lawsuit: 
    • Dispute Letter Sent
    • Response to Dispute Letter
    • Credit Report
    • Bankruptcy Petition and Schedules and any Reaffirmation documents and Orders
    • BK Discharge

11.          Debt belonging to a consumer’s relative shows as debt in consumer’s report:  Sr, Jr, III. Surnames mixed up.  Credit card belonging to John Doe Sr. is incorrectly reporting on John Doe Jr.’s credit report.

  • Supporting Documentation needed for Lawsuit: 
    • Dispute Letter Sent
    • Response to Dispute Letter
    • Credit Report

12.          Account is too old to be reporting as delinquent:  Generally, a delinquency occurring more than 7 years prior to the date of the report for negative account(s) and 10 years prior to the date of the report for positive account(s) and must be removed.

  • Supporting Documentation needed for Lawsuit: 
    • Dispute Letter Sent
    • Response to Dispute Letter
    • Credit Report

13.          Identity Theft: Someone uses another's personally identifying information, like their name, identifying number, or credit card number, without their permission.

  • Supporting Documentation needed for Lawsuit: 
    • Dispute Letter Sent
    • Response to Dispute Letter
    • Credit Report
    • Official Police Report

Information from McCarthy Law PLC, updated 3/31/2017


Items that are not typically violations of FCRA and not eligible for litigation:

  • FDCPA violations – harassing phone calls
  • Incorrect Personal Information (name, address, etc.).
  • Any reporting involving public records where the report simply reflects what is listed on public records even though public records may be incorrect. (This includes Judgments and Liens)
  • Any reporting involving Government:  Federal, State, City municipality or agency.
  • Any reporting involving the IRS and Taxes.
  • Any creditor reporting a balance where the debt was not paid off.
  • An account that is valid, but the consumer just does not want to pay it.
  • Any Child Support Issues
  • Any Issues of Identity Theft without a police report
  • Credit Report Inquiries