Active Client Expectations

The screenshot above reflects my current calendar availability. As shown, my schedule is typically fully booked.

• Due to the volume of clients I serve, it is not feasible to answer or return hundreds of unscheduled calls and text messages each day. For this reason, all questions and concerns must be addressed through a booked consultation.
• As an active client, you may schedule a consultation at no additional cost.
• Please note that I may not have my business phone on hand outside of my business hours so it is important to book me so that your questions or concerns don't go unanswered.

Please understand if I'm not answering or texting you back I'm not ignoring you.

Best way to get my attention is to book a consultation. As I stated before I make myself available for everyone Every Monday-Thursday from 12pm-5pm. Just because it's a quick question doesn't mean it's a quick answer. Just because I see your message doesn't mean I'm not busy which is why I will keep iterating that the best way to get in contact with me is to book an appointment. THE CONSULTATION IS FREE.

When a payment agreement is established with a defined timeline, it is essential that the terms of that agreement are honored.

These policies are not personal. They are necessary to protect the integrity of our business operations and ensure fairness across all client accounts.

If ever requested to change your password please reach out to me first before you just make one of your own.

Be sure to text 312-584-9969 or email [email protected] with your first and last name after you change it.

Within 4 Business Days After Getting Started my backend team should have sent you an email for you to create an online portal to track your progress and to upload any additional documents.

As your credit journey continues you can expect phone calls, emails or mail from:

• The original creditors of whoever you have done business with
• Various Debt collectors
• Credit reporting agencies such as Transunion, Equifax, And Experian

Also if you feel like you may have something that may help us with the process. Things like proof you paid certain bills that are late, proof that you were a victim of identity theft like a police report, or screenshots of letters & emails or pictures of letters that you may have gotten in the mail that is important to your situation; FEEL FREE TO UPLOAD THEM INTO YOUR PORTAL.

Your Online Portal is also where you will come to track your own progress. Each round of results takes 45 days for a new update. By law we have to give the credit bureaus that time frame to view clients file and validate the debt/inaccuracies! Please be patient with our team while we get each client's results.

Once updated Any remaining negative items automatically goes into your next round of disputes. Please allow up to 4 business days in between rounds.

You also DO NOT Have To Check Your Credit Report Every 2 Weeks. It Will Only Update Monthly.

Please save 312-584-9969 in your contacts to ensure uninterrupted communication.

These are the primary issues that delay results for most clients. By proactively managing the items listed above, you set yourself up for a smooth and successful experience.

Before responding with "I've already completed this," please take a moment to verify first:

• Log directly into your credit monitoring account to confirm the report is current
• Confirm all dates on submitted documents are accurate and up to date

Verification ensures accuracy, prevents delays, and keeps your account active and progressing as intended.

If the address on your utility bill or bank statement DOES NOT MATCH the CURRENT address you previously provided, you have two options:

Suggestion #1: Update the address directly within your online account before downloading the new PDF document, & resend it to [email protected]

All Bank Statements Are Accepted (Chime, Cashapp, Varo, Bank Of America, Or Whatever Institution You Bank With. Credit Card Bank Statements Are Also Acceptable)

Suggestion #2: If you cannot edit your Utility Bill or Bank Statement yourself you can Submit a $20 editing fee, which covers the cost for my partner to update the document on your behalf. (THIS IS OPTIONAL)

If you have already paid the $30 that means your account is ACTIVE but not UPDATED and IT WILL NOT CHARGE YOU $30 again. If your account is INACTIVE then of course you will be charged $30.

If You Receive A Notice about this After you handle it be sure to notify my team. We will login to your report the day it is scheduled for a pdf update and if we can't access the account or see the most recent report we will email you reminders but we will not check on this every month for 400 people.

YOU MUST Notify my team at 312-584-9969 or [email protected] with your first and last name and That Your Account Is Active & You Would Like An Update & you shall receive one Within 4 Business Days.

I would like to take a moment to clarify how updates are provided throughout the credit improvement process.

First, it is important to understand that not receiving a formal update from us does not necessarily mean there has been no progress. Many clients receive updates directly through creditor notifications, emails, mailed correspondence, or alerts from their credit monitoring service indicating deletions or changes. On top of that you also have your client Portal. These notifications are all considered valid updates.

That said, we intentionally provide formal PDF updates because they are more professional, easier to review, and help clients feel confident and informed about their progress.

Phase One: Proof of Address (POA)

The first step before any update can be issued is confirming that we have a current Proof of Address (POA) on file. Acceptable documents include:

• A utility bill
• A bank statement
• A rental or lease agreement

To be valid, the document must:

• Display your full first and last name (not a business name or nickname)
• Show your complete residential address
• Be dated within the last 60 days

If you have a rental or lease agreement, that is ideal, as it typically remains valid for an extended period and eliminates the need for monthly submissions.

If your POA is missing or outdated at the time an update is scheduled, we will contact you via email and text message and send up to three reminders. If the issue is not resolved, the process CANNOT move forward.

Phase Two: Credit Monitoring Access

Once the POA is confirmed, the next requirement is accurate and up-to-date credit monitoring access.

Common issues at this stage include:

• Incorrect login credentials
• An outdated credit report
• Required password changes initiated by the monitoring service for security reasons

If we are unable to access your credit report, we cannot provide an update.

When you log into your credit monitoring account, the report will display a "last updated" date. That date must reflect the current month. For Example; Let's say the current month is December. If the report is showing a prior month (for example, September, October, Or November), it will be considered outdated & cannot be used to provide a current update.

While we can request an update on your behalf if your monitoring is active, we cannot initiate updates that would result in unauthorized charges. If your monitoring payment has lapsed, updating the report would trigger a charge, and we will not proceed without your authorization.

Once a client is scheduled to receive a pdf update my team will then begin phases 1 & 2. If my team has any issues such as mentioned before step 1 would be to contact you via email or text. From there we will wait for your confirmation and we will no longer check on that issue for you it will be 100% YOUR DUTY to notify us once the issue has been handled so that we can resume the process.

I can't give a specific timeframe for a few reasons:

• 1) Often times clients hold themselves back with the process by not keeping their credit monitoring up to date.
• 2) They don't check their emails for instructions and they don't send in their most recent proof of address every month — and we need that in order to dispute on your behalf.

These two things alone can prolong a client's results for months or even a whole year — which would not be my fault as long as I send out emails and texts notifying them.

On top of that, the timeframe for credit repair varies from person to person, depending on the number and the type of negative items on your report.

Unfortunately, many companies lie for sales, which gives credit specialists a bad reputation. My approach is different — I prefer honesty over hype. MY NAME IS MORE IMPORTANT THAN YOUR MONEY! I will let anyone walk before I tell them what they want to hear. Unfortunately it's not about WHAT YOU WANT, it's about HOW IT WORKS. Results take time, but they do come. Will it take the full 6-9 months? Not necessarily, but you can expect that.

Each dispute round lasts about 45 days, and after every round, you'll receive a PDF update showing whether any deletions or changes occurred.

I understand a lot of you may have goals & trust me, it's in my best interest that you hit those goals. But if I have to be honest, most of your goals are unrealistic to begin with.

Now does this mean I won't try to help you hit the goal? Absolutely not. But if you're not able to get approved for something in a short timeframe, I don't need you being mad or discouraged because you didn't give yourself the proper time to begin with.

Does This Mean I Won't Try To Help You Hit The Goal? Absolutely Not But If You're Not Able To Get Approved For Something In A Short Timeframe I Don't Need You Being Mad Or Discouraged Because You Didn't Give Yourself The Proper Time To Begin With. Please understand it's not about WHAT YOU WANT, it's About HOW IT WORKS.

When you begin the credit repair process, my goal is to dispute and address all negative items currently listed on your credit report.

I do understand that situations happen or sometimes accounts report later than expected, and I'm always willing to work with clients in good faith to keep them on track. That said, this is a professional courtesy, not an obligation.

Fun Facts:

• Your Credit Score DOES NOT Get You Approved For Anything
• You Can Have A 750 Credit Score And STILL NEED A CO-SIGNER
• Just Because You Have A Good Credit Score DOES NOT MEAN You Have GOOD CREDIT
• Your #CREDIT Is NOT Your Credit SCORE. Your Credit Is Your Credibility/Reputation With The Banks
• When You Have Negative Items & Late Payments On Your Report YOU HAVE NO CREDIBILITY
• Credit Is Just Like A Job… You Need The Experience To Get The Job But You Need The Job To Get The Experience. In This Case You Need The History To Get The Credit & You Need The Credit To Get The History.
• Having No Credit History Is Almost The Same As Having Bad Credit. Either Way You Have NO CREDIBILITY
• Your Credit Report & Credit Profile Is Far More Important Than Your Credit Score.
• Someone With A 650 Credit Score Can Get Approved Over Someone With A 750 Credit Score

Your Credit Score = Your RESUME

A Good Resume Does Not Mean You Automatically Got The Job. The Resume Is Only Enough For The Employer To CONSIDER YOU. For Example: A Trucking Company Is Hiring On The Flyer It Says "MUST HAVE VALID CDL" I Can't Even APPLY Without Having A CDL. But Just Because I Have A CDL That Doesn't Mean I Will Get The Job. I'll Still Have To Complete A Interview & Background Check. Just Like A Resume Your Credit Score Makes You QUALIFIED TO APPLY. (Example: You Must Have A 650 Credit Score To Apply For This Apartment) Just Because You Might Have A 650 Credit Score Doesn't Mean You Will Be Approved. You Just QUALIFY TO APPLY.

The Application = The INTERVIEW

Obviously When Applying For Things The Amount Of Money You Make, The Amount Of Debt You Have, The Job You Have, And More Factors All Plays A Role In Your Approval. But What Many Don't Know Is You Can Have 700+ Credit Score And Not A Collection In Sight. Your Personal Information Can Be All Messed Up. I'm Not The Only Cordell Collins On Earth & I'm Sure You're Not The Only One With Your Name. The Last Thing You Want Is Someone's Else Mistakes Stuck On Your Credit Report. If I'm Cordell D Collins On Transunion, Cordell Collins On Experian & Cordell Collins Jr On Equifax Technically Those Are 3 Different People On Paper. Most People Have Too Many Names & Old Addresses On Their Credit Reports & Are Getting Denied Because They Are Red Flagging Your Application Because They Can't Fully Verify You, They May Think Someone Is Trying To Steal Your Identity, Or Might Think You're Another Person With The Same Exact Name. Now It's Not Common That Someone Gets Denied Due To This But I Have Seen It Happen On A Few Occasions. Best Way To Help Get This Fixed While Receiving Credit Repair Is To Make Sure The Address On Your ID Matches Your Current Address. Also When Applying For Credit It's Best To Put The Same Answers For Every Application.

Credit Report = The BACKGROUND CHECK

Your CREDIT REPORT Is What Gets You APPROVED Derogatory Marks Are Like Felonies.

You Can Have The Best Resume In The World Along With All The Work Experience. The Chances Of You Becoming Manager At Any Establishment With Armed Robbery On Your Record Is Slim. A lot of times people often downplay their credit reports. Don't ever think just because you only have a few negative items or only owe small debts that your credit report is "NOT THAT BAD" In Most Cases 1 Collection can and will get you denied regardless of the amount owed. Smaller collections are actually worse. A $10,000 collection makes sense but when you have small collections you just make yourself look very irresponsible. If You couldn't handle a $300 credit card, Why should anyone trust you with a $30,000 auto loan? You Can Have A 750 Credit Score 1 Collection Can Get You Denied. Having A Bankruptcy On Your Report Is Like Committing Murder It's The Absolute Worst Thing You Can Have On Your Credit Report.

Good Credit Report Vs Bad Credit Report

Your Credit Profile = This Is What Separates You From Everyone Else.

Example: You & I Just Applied For The Same Exact House. The Minimum Credit Score Required Is A 650.

• We Both Have A 750 Credit Score
• We Both Have 5 Credit Cards
• We Both Have 100% Payment History
• We Both Have 0 Collections
• We Both Have Only 2 Inquiries

Now Ask Yourself If There's 20 Other People Who Meets This Same Criteria, Why Should They Choose You?

• If We Both Have A 750 Credit Score We Both QUALIFY TO APPLY.
• If We Both Have A Clean Credit Report 9/10 We Both Will Be Approved

So How Does The Loan Officer Decide Who's The Better Candidate? THE PROFILE.

Your Profile Is Where They Pay Attention To More Details Such As…

• What Kind Of Credit Cards You Have? High Tier Vs Low Tier. Do You Have A Chase Credit Card Or Do You Just Have A Macy's Credit Card, Along With Chime
• Are You The Primary Owner Of The Credit Card Meaning This Is YOUR CARD UNDER YOUR ACCOUNT. Or Are You Just A Authorized User? Meaning You Have Access To Someone's Else Card Because They Added You Or You Purchased Some Tradelines.
• What Are Your Credit Limits? Do You Have A $300 Credit Limit Or A $10,000 Credit Limit? Who's Managing The Most Money?
• How Much Is Your Credit Card Utilization Are You Spending Too Much Money Every Month? Do You Need The Credit Card To Get By? Who's Looks More Responsible
• How Long Have You Been Establishing Credit? 6 Months, 3 Years, 5 Years… Who's Been More Consistent

As Long As Someone Has The Minimum Credit Score Required They Will Qualify To Apply But This Is Why Someone With A 650 Credit Score Can Get Approved Over Someone With A 750. It's Because You Can Have A Weak Profile Or A Strong Profile. Obviously You Want A Strong Profile.

Take This Story As A Great Example. She Thought Her Credit Score Was Her Credit. 10/10 She Had A Weak Profile & That's Why She Still Needed A Co-signer.

Why Do You Need All Four? Because All 4 Combined Is WHAT MAKES YOU CREDIBLE. And Remember YOUR CREDIT IS YOUR CREDIBILITY

• Without A Good Credit Score You Most Likely Won't Qualify To Apply For Most Things. But A Good Credit Score Doesn't Mean You're Approved
• You Can Have A Good Credit Score & Still Fail The Application For Putting Wrong Information On A Application Or Not Having A Accurate Credit Report
• You Can Have A Clean Credit Report But A WEAK PROFILE.
• The LLC is What Gives You Access To 150K+ Not To Mention All Of The Tax Benefits As A Business Owner.

Even If You Pass All Of Those Phases You Want To Make Sure Your LLC Is Set Up Properly Because If Not You'll Still Be Denied Business Funding Although You Checked Off Everything Else On The List…. That's A Whole Other Conversation, Feel Free To Book A Consultation If You Want To Know If Your LLC Is Set Up Properly Or Not Or Need Assistance Getting One.

The 5 Factors That Make Up Your Credit Score:

So now that we understand the difference between your credit score, credit report, credit profile, what makes up your credit score, and how it affects you. How do we go from the 400s to the 700s? I designed this for all of my clients who may need some credit coaching on:

• How to build up your credit scores
• How to maintain your credit score once back good
• How to avoid credit card debt
• How to get out of credit card debt if you're already in it
• How to manage your credit cards and use them correctly
• And also how to create a nice strong credit profile
• How to get the check from the bank so the dealership won't have to run your credit 50 times

I will drop two screenshots below. One will display someone who watched the recordings and actually did the TO DO LIST. The other will show someone who just received credit repair but didn't do the TO DO LIST.

Step 1. Open Up A (Personal) Navy Federal Account Checking & Savings.

Deposit $100 In Each Accounts. +1-888-842-6328

Call and say hello my granddad was in the navy he's no longer with us but I remember before he passed he said I can get an account with you guys I don't remember his access code but I would still like to open an PERSONAL CHECKING AND SAVINGS account if possible.

They will then ask you two questions.

Was your granddad In The Navy, Marines, Army, Or Military? (You Can Say Military)

Then They Gone Ask How Did He Leave? (Say "Honorable")

(if they ask why do you want an account with them tell them you want to build a LONG TERM RELATIONSHIP WITH THEM.)

They're going to ask you what type of account you want to open. You're going to say regular personal and savings. You will need to deposit a minimum $10-$20 in order to open the account. If you can I recommend putting $100 in both.

Also if you get direct deposit I prefer you to have it get transferred to Navy federal or at least half. Trust me this will benefit you a few months from now when we start applying for things.

They will ask can they assist you with anything else you can so no for now

STEP 2 IS ESPECIALLY IMPORTANT FOR THOSE WHO ARE LOOKING TO REFINANCE OR FINANCE A CAR OR APPLY FOR ANY LOANS PERSONAL & BUSINESS

Step 2. Call Or Go Into Navy Federal & open up a secured Pledge loan for $2,500.

They will take that $2,500 out of your savings account and they will deposit it into a SEPARATE SAVINGS ACCOUNT.

If You Don't Have $2,500 try $1,500

If You Don't Have $1,500 Try $1,000

If You Don't Have $1,000 Try $500

If You Don't Have $500 Try $250

OBVIOUSLY THE MORE THE BETTER

Then You wait 3 days and call back and say you want to pay it off 90% and leave the rest on autopay. (DO NOT DO NOT DO NOT Pay Off The Full Balance. You Want To Leave A History Of On Time Payments. (35% of your credit score))

When you pay back 90% they will take $2,250 out of the savings account and deposit it back into your checking no account.

Now your new balance for the secured loan will be $250. For the next 12 months that $250 will be on Autopay. So every month they will take $21.25 out of that separate savings account and deposit it back into your checking account until that number hits $0.

But on your credit report it will show that you paid off a $2,250 loan even though you never actually took out an actual loan. You can take that same money and do it again

Step 3. Pay Down Any Credit Cards That Are Over 30%

You Can Do This Immediately After Getting Your Money Back From The Secured Loan.

If You Don't Have Any Credit Cards Yet None Skip This Step

Preferably Pay IN FULL

If You Can't Pay In Full Pay To Where You Only Owe 10% Or Below

If You Can't Pay To Where You Owe Less Than 10% Try To Get It To Where You Only Owe 30% Or Below

If You Can't Get It Under 30% Then Pay The Minimum Balance & Go Watch The Recording On How To Use Credit Cards Correctly As I Did A Training On How To Get Out Of Credit Card Debt

Step 4. Go To Bank & Get A Secured Credit Card.

ONLY If You Don't Already Have A Credit Card That's At Least $500. The More The Better But Minimum $500 These are the banks I recommend getting a secured card from because they all graduate.

• Wealthy Intention LLC - Credit Builder Card
• US bank
• Bank of America
• Discover
• Capital one

By graduate it means after 6-9 months of on time payment they'll give you your deposit back and it turns into a regular credit card. Or You Can Get The Secured Credit Card Through Whoever You Bank With

Step 5. Become An Authorized User

If You have a family member or a close friend who has good credit Ask them to add you to on their credit cards as A Authorized User. to help improve your score it won't affect them. I Will Show Examples Of A Good Account To Be On Vs A Bad Account.

If someone is skeptical about adding you as an authorized user for step 5 explain this to them.

You DO NOT NEED THE CARD. They can have it sent to them and they can cut it up

But it's a good start because if someone in the family already has good credit and have credit cards in GOOD STANDING…. By them adding you as an authorized user on their credit cards it will cause your credit score to go up. Why? Ok well when you are added to a credit card it's going to show up on your credit report that you have ACCESS To that Card.

So if for example if someone has a $10,000 Chase credit card and they had it for 10 years and the utilization is reporting below 30% and they are always on top of their bill this does multiple things for you.

• It gives you 10 years worth of PAYMENT HISTORY which is 35% of your credit score
• That $10,000 limit gets added to your Debt To Income Ratio. And your utilization is 30% Of Your Credit Score
• That would be considered a revolving account. Credit mix is 10% of your credit score
• And that would also be 10 years worth of Credit Age History which is 15% of your credit score.

So this will cause your score to sky rocket and by you having a higher credit score you are able to get approved for more money and have lower interest rates so it helps you in many ways while not AFFECTING THEM AT ALL

STEP 6. Credit Builder Accounts

• THE PURPOSE OF THIS IS TO BUILD PAYMENT HISTORY & To Create A Good Credit Mix
• Before You Can Apply For Anything You Need To Establish Some Type Of Payment History.
• Get A Minimum 3, The More The Better But You NOT NEED THEM ALL.

Example: You want to have a good mix you don't want all revolving or all installments

Total $133

If you use your credit card for gas pay it back ASAP

If Your Phone Bill is under $150 you can add it to your credit so that that payment history can be reporting. I ONLY RECOMMEND THIS IF YOUR PHONE BILL IS ALWAYS PAID ON TIME EVERY MONTH. Also you can add subscription apps such ass Netflix, Starz, Hulu, HboMax etc

Also if you're paying rent you can Download RENT REPORTERS and add your rent and utility bills. Make Sure You Put Your Move In Date To Add Credit History & Payment History (ONLY DO THIS IF YOUR RENT IS ALWAYS PAID ON TIME)

7. Apply For Credit Limit Increases

Book A Appointment If Confused About This Part But You Can Apply For A Increase Every 91 Days. So For 3 Months In A Row You Will Max Out Your Credit Cards By Either Making A Large Payment And Paying It Back Down Or Making A Large Purchase & Returning The Item. The Point Is To Get The HIGH CREDIT Part On Your Credit Report To Reflect As If You're Actually Spending Up Most Of Your Limit. As Long As This Is Paid Down 3 Days Before The Statement Date It Will Not Affect Your Credit Score

Step 8. By This Time It's Time To Maybe Add A Credit Card Or 2 To Your Profile.

UNLESS YOU ALREADY HAVE 5+ Credit Cards As Long As All Of Your Negative Items Are Deleted It's Safe To Apply. If You Need My Help Applying Feel Free To Book Me But I Will Charge 10% Of Whatever You Are Approved For. I Know What Answers To Put On The Application To Get The Most Amount Of Money. But It's Completely Up To You Nothing Wrong With Applying Yourself.

Step 9. For Those Who Want Business Loans

Book An Appointment To Make Sure Your LLC Is Set Up Properly https://api.leadconnectorhq.com/widget/bookings/1on1-1

Step 10. Congratulations!