HAS HAVING CHALLENGED CREDIT EVER KEPT YOU UP AT NIGHT?
HAVE YOU EVER HAD TO HOLD YOUR BREATH AND PRAY FOR THE BEST WHILE SOMEONE RUN’S YOUR CREDIT ?
HAVE YOU EVER BEEN DENIED A JOB OPPORTUNITY BECAUSE YOUR CREDIT WAS A HOT MESS?
If you answered, “NO!” to each question above, then you’re truly blessed and I’m happy for you. No really.
When I became a mortgage broker in 2003 at 22 years old, I learned something very quickly:
Most American adults do not understand how the credit system works. It can be incredibly difficult to navigate for people who do not understand basic personal finance and when you have bad credit or no credit, you’re often referred to as an economic slave behind closed doors. Why? Because ignorance in this area is basically the equivalent to wearing shackles. You can’t buy as freely as you want. You can’t move about our capitalistic society with no worry or fear. You’re trapped. And no matter how great of a guy or girl you are, you’re stuck with others being able to dictate your fate from day to day.
But, you know what the biggest problem is with all of this:
OUR COUNTRY HAS A WAY OF SHAMING PEOPLE WITH BAD CREDIT WITHOUT TAKING RESPONSIBILITY FOR THE FACT THAT THESE SKILLS ARE NOT TAUGHT IN HIGH SCHOOL OR COLLEGE
After coaching and counseling thousands of people, I took it upon myself to layout the steps that helped me rebuild my own credit after losing everything in the Great Recession of 2008.
I personally was tired of holding my breath and hoping, praying and wishing for the best when my family wanted to rent a new home or needed a new-to-us car.
I was tired of the stress and sleepless nights where I stayed up wondering about what I could do to change my circumstances and the trajectory of my family’s life.
Today I authentically and transparently share my story with millions internationally about what it took to rebuild my life brick by brick.
I’ve been making money educational yet fun since 2003 as a nationally recognized best-selling author of the Real Money Answers financial series, featured columnist, television commentator, transformational speaker, spokesperson, radio host and leading authority on personal finance, entrepreneurship and success for women and youth.
My wisdom on money matters has been featured on the cover of Women of Wealth Magazine and as a recurring voice by national brands such as Bloomberg TV, CNN Money, NBC, Black Enterprise, The Huffington Post, Essence Magazine and more. The New York Post even featured my story of redemption on New Years Day 2016 and for over two years, I’ve hosted my own weekly segment, Real Money Answers with Patrice Washington on the nationally syndicated Steve Harvey Morning Radio Show.
I went from living on my brother’s couch and scraping up change to feed my daughter to being America’s Rising Star in personal finance.
Now, I want to take you step by step through what I’ve learned after helping myself rebuild and by helping others.
What If . . .
The Real Credit Answers you need are a simple click away!
This e-course, Real Credit Answers, provides the insight the average person needs to understand how the credit market works and different actions that you can do in order to get yourself from being the average credit consumer to having the high scores that open the doors to your new life.
I’m a practical girl who speaks in laymen’s terms. This system is remarkably simple and intuitive. Instead of having to memorize financial terms and learn a whole new language, my common sense approach makes credit management easy and allows you to maintain control over this part of your finances with ease.
NEVER BEFORE HAVE YOU HAD ACCESS TO DETAILED INFORMATION LIKE THIS TO HELP YOU REACH YOUR CREDIT SCORE GOALS!
The first step in the system is learning about yourself and your habits. You will find that many of the habits that can compromise your credit score are unnoticed. I take you through an assessment process that will allow you to learn about who you are and what your financial profile is. By learning this information, you will be best equipped to tackle how or why your credit is where it is today and map out your goals for your financial future.
The next step, once you have analyzed your behaviors and how they impact your financial habits, is to learn exactly where you stand in the world of credit.
I provide you with all the resources to find your credit scores. The best part about having your credit score right in front of you is the amount of data that you will glean from it. I’ll show you exactly how to read your credit report, understand the different factors that affect your FICO score, and prepare you for how you can use this information to settle old balances and start to get back on track.
Next I’ll teach you how to read the report with a fine toothed comb. Your credit report has loads of important information, such as your personal information, credit accounts that are open and closed, delinquencies, and other important data that is being used to make or break your financial future. Not only do I include a glossary of terms you need to know to properly decipher your credit report, I also give you my Ultimate Credit Report Review Checklist. I started developing that as a tool to help my mortgage clients understand their reports as a real estate and mortgage broker in 2003.
After you understand your credit report in and out, the next step is developing your game plan. If you have accounts that have large balances or are delinquent, you’ll learn how to dispute errors on your report, what should be paid off first, and how to talk to creditors on the phone.
You’ll even have a script to follow so that you don’t become overwhelmed by creditors who want to force you into plans that don’t work for you.
Many people get help to get out of debt, only to end up back in debt. Many times this results from having an increase in money or the better credit score open up new credit opportunities and unfortunately you can find yourself in trouble again. Real Credit Answers will help you rebuild your credit and stay out of trouble – something that is a must in our financial system today!
You’ll learn how to manage credit and debt wisely and systematically and I’ll teach you how to shop for the best credit cards or even how to rebuild without credit cards at all. Either way is possible and it’s your choice.
So at this point, you have figured out that I really want to help you rebuild your credit brick by brick, right? Could you imagine doing ALL the work we’ve talked about though and then having someone else benefit from and possibly ruin your new pristine credit report and scores?
I want to show you how to protect your identity along with how to repair your identity if you are a victim of identity theft. This is a very important part of the course because According to the Federal Trade Commission, stolen identity was the No. 1 complaint from 1999 to 2010 and fraud amounts average between $48 and $54 billion per year! This section is not “nice to know” information – it’s mandatory.
Information without implementation is useless. After giving you every tool and resource I can to get you on the right path and break the shackles of challenged credit, I’m going to give you the action plan to move forward and create the lifestyle and peace that spotless credit offers you. You deserve that and I want you to have it and have it now.
I’m excited for your opportunity to finally get Real Credit Answers!
What will you do when you can face your finances without fear?
Please note: This workbook series is available only as a PDF download. We do not offer physical, printed copies and they will not be offered via Kindle or ePub format!
To Your Increase,
Patrice C. Washington
The Wisdom & Wealth Money Maven
© 2016 Patrice C. Washington. RealMoneyAnswers.com All Rights Reserved.