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Frequently Asked Questions

The following Questions came from customers and potential customers who needed a little more clarification. Most of my answers should provide you more knowledge about the business, but if you do not see your specific questions answered, please email me at: support@creditrepairbiz.com


  • Q  Why is this business better then all the other opportunities I have seen and been involved with in the past, like MLM, Direct Marketing, and the list goes on?

  • A  I feel it is better because there is a great need for the service itself. 3 out 4 Americans have some type of credit issue. There is never a shortage of potential clients!

  • Q  What all does the Credit Repair Biz Kit include?

  • A  Click Here to view the contents of the Credit Repair Biz Kit.

  • Q  I have heard that credit repair firms are rip offs, that they charge clients a great deal of money and the clients still did not get their credit problem resolved.I have heard this more so on credit card max outs??

  • A  Some are ripoffs and obviously, as with any business, you have the legitimate ones and the scam artists..

  • Q  I live out in the country surrounded by small towns, in which I feel is not the best place to get business from?

  • A  The way I see it is that you would have exclusivity in your area since you're not in a metro area.

  • Q  Do you have to meet with your client?

  • A   I do most of the time, except for those that I do correspond with by phone and mail. It's your choice.

  • Q  Is this a totally legal business? How does the law enforcement agencies look at this type of business?

  • A  It is totally legal. I don't know what you mean by law enforcement. In some states you get licensed by the State to do the business, so why wouldn't it be legal?

  • Q  On the Ch 13 bankruptcy issue in the public records section - Discharged means paid off the trustee and is now complete? But can't you try to remove by same methods as everything else? Such as this is not my account. Or This info is not accurate.?

  • A  If it is not discharged, then you can try to dispute some of the information contained as inaccurate, and state which one is inaccurate. Typically if it is not discharged it might be hard to remove, but worth a try..

  • Q  How effective is making the creditor produce the original contract? Or taking them to small claims court? When should I use these methods??

  • A   Very effective in both instances. I only use these methods when all else has failed with both the Bureau and the creditors, with a good will letter, which I will be updating in the kit soon. I will send the new info. The 2nd step would be verification, the 3rd step you may want to use the Attorney General and 4th, the courts..

  • Q  Could you give me a tip sheet like: late payments - say never paid late, charge offs- not mine or should I say incomplete, etc. tax liens, unpaid student loans, bankruptcies, judgments, collections, etc. ?

  • A  You need to use common everyday language and vary it. For example on one letter I may use "not mine" a couple of time, "never had an account with this creditor" once or twice, "never been late" a couple of times, etc. I try to vary it so as to sound as a legitimate consumer..Repos and student loans are handled the same way. If the student loan is a government loan it will be a bit more difficult.

  • Q  What is the best Internet source for getting a combined Tri-merge Credit Report with FICO Scores?

  • A  I typically have the customers pull their tri-merge or have a mortgage broker I know pull it. Otherwise I go to each Bureau individually.

    www.equifax.com
    www.transunion.com
    www.experian.com

  • Q  If I request the Credit Report for myself, does it show on my Credit Report??

  • A  Yes it does, but only for you and does not cost you any points off your score.

  • Q  Do I hand write the dispute letters I send to the Credit Bureau, or is it effective to generate the dispute letters on a computer?

  • A   Generate the letters on your computer, but DO handwrite the envelopes.

  • Q  If I write the dispute letters, who signs the letter for the customer?

  • A  You sign the letter as the consumer.

  • Q  If I decide to become a “recognized” Credit Repair Service, do I have to become registered or licensed with a governmental agency?

  • A  Some states require a registration and a bond. For example Ohio require a $100 registration fee with a copy of the contract, and a $50,000 bond which will cost you around $45 or so per month.

  • Q  What are the “cons” to becoming a “recognized” Credit Repair Service?

  • A  No Cons, just more scrutiny from the State.

  • Q  If we need to write to the credit companies on the clients behalf as the client themselves, do we not need a signature on the letters?

  • A  You do need to sign the letters. You can do it one of two ways, depending on what you are comfortable with:

    a. Sign your clients name
    b. Have the clients sign the letters after you produce them

  • Q  Is the contract to be signed between the analyst and the customer used in the book okay to use, should it be paraphrased, or should other contracts be obtained to utilize.

  • A  You need to utilize the contract as is. It contains language to protect you. Just change Your business name, the state and the price you charge

  • Q  What is a trade line? I am not to clear on the definition.

  • A  A tradeline is each credit entry on the Credit Report. example: CitiBank is a tradeline on your report.

  • Q  Contracts - Can I still collect money for the credit repair up front even though it's not mentioned? Has a client of yours questioned that? And what is a good reply?

  • A   You can collect up-front from your clients as it states that your services are rendered within 1 day and that after that, your client can retain you for free for a period of one year. I have never had a client question it.

  • Q  Why do I need a copy of their utility bill?

  • A  Sometimes a credit bureau will ask for it to prove that it is the real person. You don't have to as long as you get a copy of their driver's license.
  • Q  Will this type of business be here for the long haul, be it bad times or good times? I feel this is a very important question.?

  • A  As I see it (I've been in it for the past 7 years - Good and Bad economy) it makes no difference. People will always have credit issues no matter what the economy is doing. At the very least on my part, business has been steady in both types of economy.

  • Q  If a person puts a second person on one of his credit cards as an authorized user, will the good payment history on that credit card also be reported to the "authorized user's" credit file and help him improve his credit standing?

  • A  Yes! This is a good strategy for improving one's credit score.

  • Q  I understand that if a person is denied credit, he can request a free credit report. But can he request the free report from all three major credit bureaus, or only from the credit bureau referenced?

  • A  Only the credit bureau referenced. However, a new addition to the FCRA allows consumers to get free reports once a year. The law is being phased in, and depending on the client's state of residence, he may be able to get a free report at www.annualcreditreport.com.

  • Q  I've heard that under the law, a credit bureau may disregard disputes deemed "frivolous."

  • A  Yes, that's true. For that reason, it's very important that you and your client don't "let on" to the credit bureau that your client is getting third party help in fixing his/her credit. Not because it's in any way illegal, as it definitely is NOT ILLEGAL. But the credit bureaus will give you a harder time if they know you're a credit repair agency. They hate that! Is costs them time and money!

  • Q  Is it important to have an office?

  • A  In a word, no...well.., not in the beginning anyway. When you get well established, get lots of clients, and if you decide to do this full time, you MIGHT want to consider getting an office, but this would be optional. And at any rate, it needn't be large or too terribly expensive.

  • Q  I understand that under credit repair law, it's illegal to guarantee that you are able to delete an adverse credit history unless you clearly disclose that this can be done only if the credit history is inaccurate or obsolete, and is not claimed to be accurate by the creditor.

  • A   The solution here is, NEVER MAKE GUARANTEES OF ANY KIND! Some unscrupulous credit repair agencies do make these kinds of guarantees - it could get them in a LOT of trouble.

    However, if you challenge a negative item on a credit report, by law it MUST BE VERIFIED WITHIN 30 DAYS, or it must be deleted. If the credit bureaus are unable to verify - or just unwilling to bother - it doesn't matter whether the item was accurate or not!

  • Q  To legally send letters in my client's name, don't I need power of attorney?

  • A  Yes you do. Be sure to have your client sign the contract provided in the Credit Repair Biz Kit, and you will have the power of attorney you need.

  • Q  When communicating with the credit bureaus, at what point do I need to provide a copy of a driver's license or utility bill (showing name and address)?

  • A  Not until they ask for it.

  • Q  How much does it cost to get started in the credit rapair business?

  • A Your costs will vary depending on how far you want to go with the business. But just starting out, you can begin for less than $100.00 startup capital, and as it states in The Credit Repair Biz Kit.."the rewards are phenomenal!"


  • Q  Can others obtain a a copy of my credit report without my permission?

  • A Not just anyone can obtain a person's credit report without their permission. Please refer to "Who may obtain a copy of my credit file" in "Repair & Create Dynamite Credit" (section 4 of The Credit Repair Biz Kit). The people/agencies mentioned in that section can get your report without your written permission. Others may not - it would be illegal for them to do so.

You will not find this information anywhere else. Go ahead, search for it.

What you will find is Credit Repair Firms charging you $700 to $1,000 to "train" you.- Ha!

Be very careful. What these firms do is train you to sell their services and provide them with clients.
They pay you a small percentage of the sale.

Why not keep it all!..

I've been in the business. I know it inside and out. Armed with the information in "Your Own Credit Repair Biz in a box" you will know the business inside and out and you will make a great living helping others.


With your own Credit Repair Business you can...

    Work Part time and make much more than your current income.

    Work from home.

    Create a financial "safety net" with a second source of income

    Easily and rapidly earn $3,000 per month part time.

    Earn $12,000+ each month working about 30 hours.

    Be in a business with virtually no overhead.

    Clients come to you …. They need your services

    Easy business to learn.

    Have Financial and Time FREEDOM.

    Pride of owning your own lucrative business.

    Afford the luxuries in life

    Afford a new more expensive home

    Buy that brand new car

    Go on an extensive vacation while still earning $$ while you play

    Have the satisfaction of helping others in need while making a great living



How much money can YOU make?


Dear Friend,

If you want the independence from the daily grind of a low paying, high stress job…

If you need to tell your boss to @#%^& it….

If you want the financial freedom from a paycheck, the ability to make more in a month than you can in a year working full time for someone else,

If you want the prestige of being your own boss, owning your own Lucrative, money making business….

Then…

This might be the most important letter you'll ever read.

Here's why:

    Starting your own Credit Repair Business is simple if you have the right information and motivation.

    You can start making money immediately if you are given the proper instructions

    You will lure customers away from Credit repair Law firms charging $5,000 to un-suspecting clients.

    Learn strategies for starting your business from scratch, at minimal cost

    You do not have to be a financial expert to know this business

    There is over 80 Million Americans with Credit Problems...and they need YOUR help

    With our current economy, more and more Americans are succumbing to Credit problems

    It's bad news for them... YOU can help them and make a GREAT Income



I'll teach you step-by-step how to use the tools and techniques in this kit to start your own Credit Repair Business and start earning money in just 7 days - even if you don't know anything about the business or the law!

Now that's certainly a tall statement, but let me show you how it's very possible, in fact, quite straightforward to make $1,000's of dollars each month helping friends, family and strangers regain, rebuild and repair their credit, and YOU can do it in just 7 days.


What others are making in the
Credit Repair Business


I retired from the Business several years ago to go into the field of Information Technology, but before that…..

    I was averaging around $16,000 per month every month. Although it took me about 10 months to get rolling (I started with no knowledge of the business and no help).

    I have several friends in the business, most are part-timers earning between $3,000 to $6,000 per month …….

    I have one friend that turned his part time business into full time earning ˝ a Million dollars a year just repairing credit for his clients. He no longer does it himself but has hired 2 ladies that do most of the work. He just meets with his clients. He earns $42,000 average per month. He upgraded from his home office to a cozy professional office.

    What's amazing is that he is an avid golfer and spends most of his time during the week on the golf course while his assistants do all the work.



Do you think YOU can build your business
to $500,000 a year?


Sure YOU can. And I'll tell you why!
  • The Credit Repair business is not Rocket Science. It's pretty straight forward.


  • My friend that earns ˝ a Million dollars a year did it in about 17 months


  • There are abundant lead sources that need your expertise to help their clientele


  • You will not have to spend any money in advertising


  • No other business can earn you money within 7 days of setting up shop

  • Armed with a little knowledge from my kit "Your Own Credit Repair Biz in a box" you will know more than 99% of the American Public about Credit Repair and enhancement issues


  • Start up costs are minimal - You can be in business for less than $100 plus the cost of this kit


  • Debt is an American way of life and most over-extend themselves and fall into problems. There will never be a shortage of clients no matter what the economy is doing.


Here are just some of the amazing secrets, tips & techniques this course will teach you


    Be up and running armed with all the knowledge within 7 days

    3 Sources that will deliver you an abundance of clients each and every month

    How to "steal" clients from law firms that charge $3,500 to $5,000 in fees

    Simple techniques that will make your clients beg to pay you an extra $150 or more

    Earn more money from each client through my secrets to back-end selling.

    Secrets to help your clients increase their Credit Score. No one else does it.

    2 things to say to protect you from lawsuits

    Proper wording to dispute errors in report and get results everytime

    Best times of the year to get the tough entries removed for your clients

    Surefire Marketing plan that produces results instantly

    Ready forms and contracts

    How to take advantage of Tax Savings from Uncle Sam

    How to earn more money through your customer's every day needs and purchases



Here's the bottom line on this incredible resource...


See how much faster you can generate income with your own Credit repair Business . . . look at the comparison between Credit repair and other home-based business opportunities:




It's difficult to find an investment return like that with CDs, Money Market accounts, or stocks.



Order Now to get started in your own Lucrative Business



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Low Maintenance, Low Risk, Minimal Investment = Profit for Life


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To your SUCCESS,




Ben Hanania



P.S. Corporate layoffs and a poor economy make things a little unsettling. It's never too late to think about how you and your family can become more financially secure.

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Face it. Most of what you need is instruction and encouragement. Get the kit NOW and have your own LUCRATIVE Credit Business as fast as 10 days from TODAY!

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