This is a Credit Education Video based on what you need to know and what needs to be done to help better your credit. Here you can learn every Thursday what you need to know before you start the process with a company are individual. Also, you will learn what you as a consumer need to be doing to help raise your credit to a 687 are above. If you have any question please contact I me to explain more getting off to a great start is essential: www.coveirngyouwithwealth.com

2. ONLINE CREDIT EDUCATION Q&A SESSION
• TOPICS OF DISCUSSION
1. CREDIT ANALYSIS
2. CREDIT RESTORATION
3. CREDIT MONITORING
4. CREDIT PORTFOLIO
5. SECURED CREDIT CARDS
6. 3 TIER BANKING SYSTEM
7. FDCPA
8. STATE STATUE OF LIMITATION
9. STATE REPOSSESSION LAW
10. DEBT COLLECTORS
COMMUNICATION
11. FDCPA PROTECTION PLAN
12. EFFECTIVE BUDGETING
13. BANKRUPTCY RECOVERY
14. CREDIT & BUYING POWER

3. YOU NEED A $1.00 CREDIT REPORT & CREDIT
MONITORING
• WHY CREDIT MONITORING
1. YOU WILL LEARN TO READ THE REPORT
2. YOU CAN WATCH THE WORK BEING DONE
3. YOU CAN SEE THE SCORES MOVING UP
4. IT IS IMPORTANT TO KNOW YOUR CREDIT SCORE
5. BEFORE PURCHASING ANYTHING THAT REQUIRE
CREDIT
6. YOU KEEP THEM HONEST ABOUT THEIR WORK
www.coveringyouwithwealth.net

4. STATE LAWS EACH TOPIC SHOULD BE IN EVERY
STATE
• HERE ARE THE THINGS YOU NEED FOR THE STATE LEVEL
I. YOUR STATE DECEPTIVE PRACTICE CODE
II. YOUR STATE FINANCE CODE
III. YOUR STATE REPOSSESSION LAW
IV. YOUR STATE ADVOCATES FOR CONSUMER RIGHTS COMPANIES
V. YOUR STATE ATTORNEY GENERAL COMPLAINT LETTER
LOOK FOR THOSE 5 ABOVE IN YOUR STATE

5. DEBT COLLECTORS COMMUNICATION
• Don't agree to anything
• Don't commit to anything
• Always ask to repeat what you missed
• Listen very well
• Kill them with (kindness)
• Make sure you follow the Call Script
• Check the time they called are left a message
• Do not re-age the debt by setting up a payment plan

6. CREDIT ANALYSIS
1. PURCHASE CREDIT REPORT
2. 3-IN-1 W/SCORE
3. A CREDIT REPORT WITH ALL THREE SCORE
4. YOU WANT A CREDIT REPORT THAT IS EASY TO READ
5. THE REPORT MUST BE BROKEN DOWN TO WHAT IS ON THE REPORT
6. COLLECTIONS, MEDICAL COLLECTION, ORIGINAL CREDITORS
7. OUTDATED INFORMATION
8. UNVERIFIABLE INFORMATION
9. INACCURATE INFORMATION
10. THE STATUE OF LIMITATION
11. TYPE OF COLLECTION COMPANY
12. LAST YOU NEED TO WHAT IS AN INVESTIGATION

7. CREDIT INVESTIGATION
A CREDIT INVESTIGATION IS A DETAIL INVESTIGATION
THAT STARTS WITH:
A. STATUE OF LIMITATION
B. STATE DEBT COLLECTIONS LAW
C.OUT OF STATE COMPLIANCE
D.LAST DATE OF PAYMENT MADE
E. TYPES OF CONSENT FORMS

8. STEPS TO A SUCCESSFUL INVESTIGATION
A) ORIGINAL CREDITOR
1. WHO IS THE ORIGINAL CREDITOR
2. WHEN WAS THE DEBT OPEN & CLOSED
3. WHO CLOSED THE DEBT
4. HOW MUCH WAS LEFT AFTER CLOSE
5. LAST PAYMENT DATE AND AMOUNT MADE
6. IS THIS A INTEREST ACCRUAL DEBT
7. WHEN WAS THE DEBT SOLD
8. HOW MUCH WAS OWED ON THE DEBT AT TIME OF SALE
9. THE NAME OF THE COMPANY, ADDRESS, CITY,STATE, ZIP, PHONE OF
WHO BROUGHT THE DEBT

9. STEPS TO A SUCCESSFUL INVESTIGATION
B) DEBT COLLECTORS PART 1
1. FULL NAME
2. FULL ADDRESS
3. WHO OWNS THE DEBT
4. WAS THIS DEBT BROUGHT RIGHT OUT
5. ARE YOU HIRED TO COLLECT THE DEBT FOR THE
ORIGINAL CREDITOR

10. STEPS TO A SUCCESSFUL INVESTIGATION
B) DEBT COLLECTOR PART 2
1. PHONE & FAX NUMBER
2. WHAT TYPE OF COLLECTION COMPANY YOU ARE DEALING
WITH
I DEBT COLLECTION COMPANY
II JUNK DEBT BUYER
3. DATE DEBT WAS BROUGHT
4. IS THE DEBT ASSIGN TO ONE PERSON ARE CAN I TALK
WITH ANYONE
5. WHAT ARE THE IN-HOUSE ACCOUNT # & ORIGINAL
GRANTORS ACCOUNT #

11. STEPS TO A SUCCESSFUL INVESTIGATION
B) DEBT COLLECTOR PART 3
1. TYPE OF DEBT
2. IS THEIR A SETTLEMENT ON THE TABLE
3. WHAT PERCENTAGE THE SETTLEMENT IS FOR
4. THE CALL WILL BE RECORD AT A CERTAIN TIME
5. I WILL GET BACK TO AFTER I TALK WITH MY CLIENT
THE GOAL IS TO GATHER ALL THEIR INFORMATION
TO SEE IN THE LAWS WERE YOU CAN WIN
WITH THE STATE & GOVERNMENT LAWS

12. AT THIS POINT NO LETTER HAVE BEEN DRAFTED
• FYI:
IF YOU ARE WORKING WITH A INDIVIDUAL ARE
COMPANY THAT CAN’T SHOW YOU THIS RIGHT UP
FRONT. MEANING THEIR PROCESS TO A SUCCESSFUL
INVESTMENT OF YOUR MONEY. THEN YOU NEED TO
LEAVE THAT SITUATION IT WILL NOT TURN OUT RIGHT
50% OF THE TIME. YOU CAN SEE IN THIS PROCESS NO
SENDING DELETION LETTER UNTIL YOU HAVE SOME
FACTS. THAT IS THE BEST WAY TO HANDLE CREDIT
INVESTIGATION WERE THE CLIENT CAN SEE THE
WORK BEING DONE.

13. WHAT IS BEING FAULT ON THE CREDIT REPORT
TRY AN LOOK FOR INACCURATE REPORTING:
1. THINGS YOU ARE PAYING ON-TIME BUT NOT
REPORTING RIGHT
2. OUTDATED INFORMATION: OVER 7YRS OLD
3. INACCURATE INFORMATION: NOT REPORTING RIGHT
4. UNVERIFIABLE INFORMATION: THAT CAN NOT BE
FOUND

14. THE DISPUTE PROCESS 15 FEDERAL
LAWS
• CCARDA (1p-34p) • HIPPAA (1p-18p)
• ECOA (1p-26p) • RESPA (1p-17p)
• FACTA (1p-62p) • SSCRA (1p-32p)
• FCBA (1p-16p) • SSCRA (1p-3p)
• FCRA (1p-84p) • TLA (1p-256p)
• FDCPA (1p-28p) • TSA (1p-87p)
• GLBA (1p-145p) • SMCRAT (1p-10p)
• CFPB WEB SITE • STDPC (1p-16p)

15. WHILE IN THE INVESTIGATION PROCESS
FYI: WHILE GOING THROUGH THE INVESTIGATION PROCESS THE CLIENT
NEEDS TO BE FOCUSING ON SEVERAL THINGS:
1. GETTING ON A ACTIVE BUDGET
2. HOW TO EFFECTIVELY USE A SECURED CREDIT CARD
3. HOW TO EFFECTIVELY USE THE 3 TIER BANKING SYSTEM
4. CONTINUE TO BUILD YOUR CREDIT PORTFOLIO
5. COMMUNICATE WITH HIM OR HER: WHOS EVER DOING YOUR
CREDIT REPORT

16. EFFECTIVE BUDGETING STARTS NOW
• Why Budget
• Here Are Several Good Reasons:
• A budget is the most basic, useful and effective financial management tool available to manage
• your money.
• Regardless of whether you are earning hundreds, thousands or millions of dollars, it is extremely
• important to know how much money you have to spend, and where you are spending it. A budget is the first
and most important step towards maximizing the power of your money.
• Having a budget does not prevent you from spending money, using credit cards, or taking out a loan
• for special purchases. Instead, a budget encourages you to be certain you can afford what you're
• buying and guides you through what lifestyle changes, if any, you'll have to make in order to pay for it.
• A good budget should be flexible and change though the years as the demands and needs of the
• individual change. For example, recent college graduates may be concerned about saving for a
• down payment on a home, or paying off student loans. As these consumers marry and have
• children, a budget becomes important to meet the needs of a growing family, such as a larger
• home, and college expenses. By the time these consumers enter their 50s, saving for retirement becomes a
• major concern. Good budgeting will allow for modifications needed along the way to accommodate unexpected
events such as a job loss, illness, or divorce.

17. SECURED CREDIT CARD EDUCATION
WISE USE OF A SECURED CREDIT CARD
A) BILL PAY CARD ONLY
B) YOU NEED A CARD YOU CAN CONTROL
C) YOU SET YOUR OWN LINE OF NEW CREDIT
D) NO CREDIT CHECK
E) LEARN TO PAY NO INTEREST ON THE CARD
F) MONTHLY EXPENSES ONLY ON THE CARD
G) MONTHLY EXCEL EXPENSE SHEET
WWW.TOPSECUREDCREDITCARDS.ORG

18. TOP SECURED CREDIT CARDS ON THE MARKET

19. 3 TIER BANKING SYSTEM

20. ALL 50 STATUE OF LIMITATION LAWS
STATE ORAL WRITTEN PROMISSORY-NOTE OPEN-END ACCOUNTS
AL 6 6 6 3
AR 5 5 5 3
AK 6 6 3 3
AZ 3 6 6 3
CA 2 4 4 4
CO 6 6 6 3
CT 3 6 6 6
DE 3 3 3 4
DC 3 3 3 3
FL 4 5 5 4

21. ALL 50 STATUE OF LIMITATION LAWS
STATE ORAL WRITTEN PROMISSORY NOTE OPEN-ENDED ACCOUNT
GA 4 6 6 4
HI 6 6 6 6
IA 5 10 5 5
ID 4 5 5 4
IL 5 10 10 5 OR 10
IN 6 10 10 6
KS 3 5 5 3
KY 5 15 15 5
LA 10 10 10 3
ME 6 6 6 6

22. ALL 50 STATUE OF LIMITATION LAWS
STATE ORAL WRITTEN PROMISSORY NOTES OPENED-ENED ACCOUNTS
MD 3 3 6 3
MA 6 6 6 6
MI 6 6 6 6
MN 6 6 6 6
MO 5 10 10 5
MS 3 3 3 3
MT 3 8 8 5
NC 3 3 5 4
ND 6 6 6 6
NE 4 5 5 4

23. ALL 50 STATUE OF LIMITATION LAWS
STATE ORAL WRITTEN PROMISSORY NOTE OPEN-ENDED ACCOUNT
NH 3 3 6 3
NJ 6 6 6 6
NM 4 6 6 4
NV 4 6 3 4
NY 6 6 6 6
OH 6 15 15 6
OK 3 5 5 3
OR 6 6 6 6
PA 4 6 4 6
RI 10 10 6 4

24. ALL 50 STATUE OF LIMITATION LAWS
STATE ORAL WRITTEN PROMISSORY NOTE OPEN-ENDED ACCOUNT
SC 3 3 3 3
SD 6 6 6 6
TN 6 4 6 6
TX 4 4 4 4
UT 4 6 6 4
VA 3 6 6 3
VT 6 6 5 4
WA 3 6 6 3
WI 6 6 10 6
WV 5 15 6 4
WY 8 10 10 8

25. STATE NATIONAL CREDIT SCORE INDEX 687
ALABAMA-676 ILLINOIS-693 MONTANA-709 RHODE ISLAND-700
ALASKA-684 INDIANA-686 NEBRASKA-708 SOUTH CAROLINA-671
ARIZONA-676 IOWA-708 NEVEDA-660 TENNESSEE-697
ARKANSAS-677 KANSAS-697 NEW HAMPSHIRE-711 TEXAS-667
CALIFORNIA-687 KENTUCKY-680 NEW JERSEY-676 UTAH-694
COLORADO-692 LOUISIANA-670 NEW MEXICO-699 VERMONT-712
CONNECTICUT-705 MAINE-702 NEW YORK-697 VIRGINA-700
DELWARE-680 MARYLAND-687 NORTH CAROLINA-679 WASHINGTON-679
DISTRICT OF COLUMBIA-687 MASSACHUSETTS-710 NORTH DAKOTA-715 WEST VIRGINA--680
FLORIDA-678 MICHIGAN-688 OHIO-690 WISCONSIN-707
GEORGIA-670 MINNESOTA-718 OKLAHOMA-676 WYOMING-695
HAWAII-700 MISSISSIPPI-668 OREGON-698 GREEN PERFORMING WELL
IDAHO-694 MISSOURI-690 PENNSYLVINA-700 RED NOT PERFORMING
WELL

26. CREDIT & BUYINGPOWER
WHEN YOU HAVE BUYING POWER YOU HAVE
THE ABILITY TO PURCHASE ON THESE LEVELS:
•NO DEPOSIT
•NO INTEREST
•NO MONEY DOWN
•NO CO-SIGNER

27. THANK YOU ALL FOR COMING ON TONIGHT
1) PLEASE SUPPORT ME BY SHARING THIS EVENT WITH OTHERS
2) PLEASE VISIT THE EVENT CALENDAR ON THE 1ST WEBSITE BELOW
3) PLEASE LIKE US ON FACEBOOK: COVERING YOU WITH WEALTH
4) PLEASE TELL OTHERS ALL ABOUT THIS ONLINE EVENT
5) PLEASE LEAVE AN INQUIRY IF YOU NEED CREDIT HELP
6) PLEASE VISIT THE 2ND WEBSITE TO PURCHASE YOUR CREDIT REPORT
PERCY A LOWE:
WWW.COVERINGYOUWITHWEALTH.COM
GET YOUR $1.OO CREDIT REPORTS AT:
WWW.COVERINGYOUWITHWEALTH.NET