Posted on

Meet the Phoenix Program: Your Ticket to Fast Sub Prime Credit Improvement

And trust us when we say this — this isn’t your typical credit repair plan. Not by any stretch. As a partner of this program, H.O.P.E. yet again brings, well, hope to the masses struggling for a way to boost their credit without paying an arm and a leg, and the beautiful thing about the Phoenix Program is that you don’t have to pay any arm or leg for it!

The Phoenix Program Essentially Is What We Call a “Sub Prime Credit Store”

You get a $1,000 line of credit, basically, to get the services you need to notphoenix program credit repair only repair your credit, but prepare you for anything like ID theft, first-time home buying, legal assistance, and much more. Just check out the services that can go into your line of credit:

  • Rent Payment Reporting
  • Tax Preparation
  • Roadside Assistance
  • Debt Validation
  • Budget Planning
  • Insurance Planning
  • And That’s Just the Start of It!

You’re asking why you really do need any of these services, of course…. The fact is that line of credit actually benefits your credit score. By getting any of these services, you boost it immediately and you reap the benefits of any of these services in the long run. Like killing two birds with one stone.

And You Get That $1,000 Line of Credit for Just $29 a Month

So do the math. Any or all of these services. Paid on your line of credit. You make payments like you would for any credit card. And your credit score goes up. The crazy thing is…. You don’t even need to get any of these services. Just pay the $29 a month, and your score instantly goes up as the line of credit’s reported to the bureaus.

How’s that for easy credit repair?

Posted on

4 Simple Steps to Debt Validation That’ll Give You a Leg Up on Collectors

And people thought they were powerless against that evil phone call from the bill collector, right? WRONG! Listen up — you do have rights when it comes to debt collections, but not many are even aware of what the laws say regarding those issues — namely one particular point everyone should take note of when it comes to credit repair. Debt validation.

You Do Have a Right to Ask for DEBT VALIDATION When Called by a debt validation-1Debt Collector

What is “debt validation”? It’s your right as a consumer to ask for proof from a collector who calls you about the debt in question. Under the FDCPA, debt collectors are actually required to send you notice within 5 days of calling you. If they don’t, you may have a lawsuit you can file for violation of your rights.

Moreover, the notice should tell you that you have 30 days to either validate or dispute the debt — which means you technically have a chance to ensure that the debt doesn’t even belong to you. If you miss out on that chance, then legally the collector can assume that the debt really is yours to pay.


So What Do You Need to Do When Validating Debt?

Here’s a list of the steps in detail:

    • Simply Send a Letter to the Collection Agency (CA) — The letter should ask for them to show “proof,” to validate the debt they’re asking about. You can find a sample letter for formatting right here.
    • While Waiting for a Reply, You Can Check to See if the CA Is Licensed — If the CA is not, that ends the game entirely. You win. Not every state requires CA licensing, though. The ones that don’t include Georgia, California, Iowa, Kansas, Kentucky, Montana, Oklahoma, Pennsylvania, and South Carolina.
    • If Not Licensed, You Send Another Letter — This letter will specifically say that the CA is violating state law, and if they continue harassing you, you’ll file a lawsuit against them. ‘Nuff said.
    • If the CA Goes Dumb Even After That, You Then File That Lawsuit — And if the CA doesn’t even send you sufficient proof, you then send a copy of the validation letter you originally sent, a copy of the return receipt, and a statement to the FDCPA that the CA in question has violated your rights. End of story.


Know That It’s Well Worth the Time You’ll Take to Get That Done

All it takes is just one letter. If they show proof, and the proof’s all good…. Then you know what you’re dealing with. If not, then you’re a step ahead of the game and that much closer to cleaning out your own credit report without spending a dime! How’s that for tips from the H.O.P.E. Program?