Get Credit Healthy in Just a Few Weeks
South Florida man ups credit score with new card

Ceasar Espanol wanted to do his best for his new wife Nicole but he was haunted by his past.

For the South Florida resident, there were times where he couldn’t afford to pay his monthly bills.

Espanol, a UPS driver now, has a good job, but those missed payments before prevented him from getting any credit, no credit cards, no loans.

“I couldn’t pay for my credit cards and just stopped paying for everything at once,” said Espanol.

Thousands across South Florida are now in the same boat as Espanol, due to foreclosures, short sales, and the loss of jobs.

Espanol turned to credit expert Elizabeth Karwowski and her firm, Get Credit Healthy.

“Credit is really a formula. To be able to get credit healthy, you need to understand the formula,” said Karwowski.

She said Espanol’s credit score was down in the low 500′s but she was still able to get him a credit card without a credit check.

“It wasn’t really too hard to get the credit card. You go online, fill out the information, they call you back to confirm everything and within two weeks, I got the card in the mail. It was simple,” explained Espanol.

Karwowski said the card can be used to shop anywhere and can be obtained with a credit limit between $300 and $2,000.

You do have to put money up in advance: the amount you want your credit limit to be.

“They do not pull your credit and it’s 100 percent approval guaranteed,” said Karwowski. “A secured credit card is where you have to put your own funds to secure that account. With a secured card although you are putting your own funds and the benefit is that you are rebuilding.”

Espanol got his credit score up more than 120 points and was actually able to get a loan for a new home for his new wife.

“Never did I think it was going to happen due to my credit history. And in a week or so they were able to get me credit.” Espanol said.

Karwowski says most people use their services less than five months. She says this card is open to anyone no matter what your score.

For more on how it can help you, go to GetCreditHealthy.com

Get credit healthy does charge a $200 start up fee and $100 per month.

First Published: Sep 27, 2010 3:29 PM EDT
(fix credit, credit repair, tenant credit check, NBC,)

Duration : 0:2:34

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These days, small business owner Zahira Collazo is doing well at her North Miami Beach salon, Marantha, but it wasn’t always this way.

“I am a business owner, and there are ups and downs, and I had some downs, ” said Collazo.

A bankruptcy in a poor economy pushed her credit score down, making it tough to get a loan. Collazo made a comeback, though, and she just got a car loan to get a new BMW.

She says if she can fix her credit, so can you.

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Thousands are now seeing credit scores fall due to the forclosures, shortsales, and job losses.

Collazo turned to credit repair expert Elizabeth Karwowski, and saw her credit score rise 100 points in few months.

Karwowski suggests to first go for a consultation with a reputable credit repair firm that should be free. Karwowski’s company is Get Credit Healthy, and they normally charge about $600 over several months to get your credit back on track. The next step, she says, is to develop a credit improvement plan.

“You have to make a detailed list of everything,” Karwowski advised, “and an exact plan to pay your bills and keep the numbers correct to maximize your score.”

Also, look for incorrect items in your credit report.

“You can fight those items in your report that are dragging it down and are not correct. It can make a real difference,” Karwowski added.

Rebuild your credit by paying your bills on time, use only about one third of your available credit line, and keep accounts open after you pay them down to zero balance are a few other tips.

For a free credit report go to this site, annualcreditreport.com. If you have had trouble with foreclosure, paying bills late, a shortsale or need additional advice, go to getcredithealthy.com.
First Published: Aug 18, 2010 2:31 PM EDT

Duration : 0:3:5

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Expert: Adriel Torres
Contact: ultimatecredittoday.com
Bio: Adriel Torres has been in the mortgage business for over a decade. He has owned two mortgage companies and is a licensed mortgage broker.
Filmmaker: Christopher Rokosz

Duration : 0:1:15

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Call now!!!
stop thinking about it and get on with it,,, Time is money,,, credit is money,,,

Cheers!!!
God Bless!!!!!

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There are no credit checks in most cases and you can have the funds direct deposited to your account in as little as 2 hours.

Whether you are looking for auto loans for people with bad credit, or you have good credit but just want an unsecured auto loan without it being on your credit report, you have come to the right place.
Bank lending has decreased for auto financing

Many banks have tightened up on their credit requirements for automobile and motor cycle loans. Banks are requiring substantially more on down payments, especially for auto financing for bad credit. The days of zero down auto financing seem to be ancient history. Banks are acting like they don’t want your money unless you already have money and do not need bad credit auto financing.

You can now afford the auto loan down payment

Car dealerships want your money and so do the financial institutions that they have likely pre-approved you through. Many times in this economy people have the money to afford the monthly payments but coming up with a large bundle of cash for a down payment can be a struggle. Even if you have poor credit you are eligible for these kinds of auto loans.

No credit checks for these loans

Micro financing for the down payment of your auto loan is not a new concept. Many people have been resorting to borrowing the down payment for a long time, especially those who have bad credit. The advantage of applying through our site is the speed and convenience in which you get your money. There are typically no credit checks so you don’t have to worry about bad credit or harmful inquiries.

Loans are available to all

Borrowing money for your auto loan down payment is easier than ever these days despite the fact that big banks would make you think that money is so tight that they can’t lend to you unless you are already rich. That is a joke and we are here to show them they are wrong. We can help you get an unsecured auto loan with little to no hassle.

Restrictions on use of money

There are no restrictions on the use of the money. You do not have to use it for any particular purpose. This type of loan is very flexible and you can use it for what ever you want without being questioned. Of course we hope you use it to fund the down payment on your auto loan but you do not have to.

http://vehiclemicrofinancing.com/

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Can I use this number instead of my social security number?
No, the Credit Profile Number (CPN) does not replace your SS number, this number can only be used for credit reporting purposes. It cannot and should not be used for any government purposes including and not limited to: military, child support, DSS income, SSI, taxes, FHA, VA, or any government backed funding.

What can I use my new Credit Profile Number (CPN) for?
You can use your new Credit Profile Number (CPN) for anything that would normally require you to use your SS number for credit reporting purposes. Use it to receive credit cards, car loans, a mortgage, personal loans etc.

Am I responsible for the debts on my old report?
Yes, you are responsible for all debts on your old report and debts incurred with your Credit Profile Number (CPN). You must remember that while you are rebuilding your credit, you must use your new Credit Profile Number (CPN) wisely. If you have had troubled credit in the past dont repeat your mistakes.

Is this legal?
Yes. You can use the existing laws to your advantage for a change. Due to certain rights guaranteed by the 1974 US Privacy Act Title V, you have the right to keep your SS number private and not be denied service due to your refusal. The credit bureaus are not government agencies, so you do not have to give them your SS number.

What will my new FICO be?
Your credit profile will be blank. You will need to reestablish your credit, by applying for credit cards and other lines.

Is there another way to re-establish my credit?
Yes, we know that re-establishing credit can be a time consuming process. We can add fully paid off trade lines to boost your score. We can give you a new Credit Profile Number (CPN) with a 700+ score (excellent credit), to use as you see fit.

Are you saying that I can use my Credit Profile Number CPN to buy investment property or get a loan to start a business?
Yes. Leverage is a tool that has been used by the wealthy for generations. Now you have it to use for your purposes.

BEFORE YOU CALL PLEASE GO TO: www.guillermocervano.com
Call Financial Chemotherapy to get started…973-440-8661
“Bringing Millionaire Lane concepts to Main Street”

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Our credit was improved by more than 100 points in less than 2 months.
Disclaimer:
I am not a licensed professional. I am not a financial advisor. I am not insured or bonded.
I recommend that you use well thought out techniques and seek the advise of an attorney.

I cannot guarantee that your results will be as successful as mine.
Check out the information listed for yourself. At the time of this production all of this information was current, but times change so please verify this at the time that you use it.

Use this at your own risk; we are not responsible for any results of this information be it good or bad.

Duration : 0:3:58

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