Monica Main – Get Triple A Credit in 90 Days or Less

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Monica Main – Get Triple A Credit in 90 Days or Less

How You Can Have Almost ANYTHING Removed from Your Credit Report — Even a Bankruptcy & Foreclosures — with a Few “Unorthodox” (Yet Completely Legal) Secret Strategies that NO ONE ELSE Will Show You!
My “Unorthodox” Strategies that I CREATED Myself to Get Perfect Credit
One thing that I have a lot of experience with in addition to real estate investing is getting perfect personal credit. Back in 2003 I thought I had to file for bankruptcy because of some debts put on my credit by my first husband. Before that time, I actually did have perfect unblemished credit. My credit score went from the high 600s down to the low 500s overnight.
Of course, like everyone else, after the blows to my credit and the dust settled, I went through every book out there on fixing bad credit. Most of it was the same old rehashed crap over and over again.

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Years later, I met my 2nd husband (yes, I’ve done this 3 times and double yes, I’m insane). We were buying a house and he had some major blemishes on his credit report. He hired an attorney who negotiated all of his debt. Not only did he (or rather I) had to pay the lowered agreed debt amount, none of it came off his credit! In fact, even though the debts were paid they still showed DELINQUENT and, even worse, that he payed a SETTLEMENT amount (meaning he didn’t pay what he originally owed).
And that sucked!
I’m like, “There is no way in hell I’m paying a lowered negotiated settlement amount just to have it REMAIN on my credit report as a negative mark. I’d rather have them removed altogether as if they never existed at all!”
This is where it all began and how I had to discover on my own some very unorthodox (yet legal…barely) methods that are NOT in those rehashed Do-It-Yourself Fix-Bad-Credit books out there. (In fact, I can GUARANTEE that my most successful methods of delinquent account removal aren’t in ANY of those books in bookstores or even through downloads.)
Bad Credit = Missed Opportunities
I recently read that there was a rap star who was going for a car loan on a Bentley and wasn’t able to get the car even though he showed gross revenues of over a million dollar a month…all because his credit SUCKED!
Sometimes it ain’t all about money, folks! Sometimes it’s about good old fashioned credit. And, of course, “credit” by definition means “to your credit” as an “honorable and trustworthy person” this is how you conduct your financial affairs. If you cannot be “credited” as a “trustworthy” person with borrowed funds from someone else, no one will do business with you during these hard times because the financial risk on their part is astronomical.
How many opportunities are you missing out on because you don’t have any cash? There are apartment buildings you can get your hands on for about $1,500 – $2,500 PER UNIT in Atlanta, Georgia (one of the fastest growing cities in the United States) but you can’t get these apartment buildings WITHOUT CASH.
And if you have no cash, YOU COULD BORROW IT…
But ONLY if you have GOOD CREDIT!

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What about a small business opportunity that you could get your hands on for a few grand or more? This could be the ticket to quadrupling your income while working half the hours and being your own boss! Except, where are you going to get that kind of cash?
You could take out an unsecured signature loan…
But ONLY if you have GOOD CREDIT!!
But wait…let’s back up to that real estate thing I was just talking about for a quick second!
Only a Few Pieces of Property is ALL it Takes to RETIRE!
Think about it: how much does it really take to get rich? Do you need 10 apartment buildings? Do you need 100 apartment buildings?
No, actually, you only need a few. And they can be very small ones too!
Now, if you are getting apartment buildings for PENNIES on the dollar (and there will be NO OTHER TIME in your lifetime as NOW to get deals this cheap…GUARANTEED) yet rents haven’t dropped AT ALL in most areas of the country…you can be banking on massive cash flow just from having anywhere from 10 – 20 units TOTAL.
This could give you anywhere from a $5,000 to $7,500 monthly income. And, of course, that will DOUBLE in 15 years (with inflation) giving you $10,000 to $15,000 per month. This is complete passive income that you don’t have to do ANYTHING for! It’s like having an interest-bearing bank account.
That means throwing in $15,000 to $50,000 for this kind of permanent, fixed, guaranteed monthly income!
Is it hard to borrow that kind of money? Uh…no! Not with good credit! In fact, I have that much available on my credit cards alone not including signature loans. And that’s from my personal credit. I’m not even referring to my business credit at all which totals hundreds of thousands of dollars in unsecured credit!
How I Went from the Low 500s to the High 600s in 90 Days
Quite honestly, I didn’t even start working on my personal credit until 2008 after I was hit with a mind-boggling seven-figure judgment. I didn’t think I could do much for my personal credit, I was using partners for most of my real estate deals to that point, and during the “hey day” of commercial real estate (up to 2007) personal credit didn’t matter on cash flowing properties.
So my personal credit was never a concern UNTIL EARLY 2008 when I couldn’t continue buying property anymore because of how strict the banks had gotten! Was my commercial real estate investing career over?
I thought it was for awhile.
I dropped everything I was doing to start fixing my credit. I plowed through every lame credit repair book out there. Every single one of them had the same stupid list of crap to do. So I dabbled in the credit repair stuff for a couple of months, gave up out of failed frustration, then started again in the fall with a fresh new set of ideas. All my own ideas, of course, starting off with…”what if…?”
This is when I started “coloring outside of the lines,” so to speak. I started inventing my own processes.
From the second time I attempted the credit repair using my own rules, I was able to go from NO IMPROVEMENTS (using the strategies in bookstore books) to DRAMATIC IMPROVEMENTS in my FICO score within 90 days.
Again, this is all direct personal experience of my own. This isn’t some deal where I’ve found a couple of self-proclaimed “experts” on credit repair, interviewed them, and whipped together a course for you. All of my strategies are based on my OWN PERSONAL EXPERIENCE based on a system I was forced to invent because the ones out there simply DON’T WORK!

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