Virtual Master Credit Repair Class

Service Description

Day 1: Understanding Credit & Analyzing Your Credit Report What is Credit? Importance of credit for financial health and how it affects loans and interest rates. Credit Reports & Scores How to read a credit report: personal info, accounts, inquiries. Key factors influencing your score: payment history, utilization, etc. Common Credit Report Errors Spotting errors: incorrect accounts, outdated info, fraud. How to get free reports from Experian, TransUnion, and Equifax. Day 2: Disputing Errors, Positive Credit Habits, Business Credit & Consumer Rights Disputing Errors How to dispute errors using 30+ free pre-written dispute letters. Explanation of laws backing disputes: Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA). Building Positive Credit Habits Importance of timely payments and managing credit utilization. How to avoid common mistakes (missed payments, high credit utilization). Introduction to Business Credit Difference between personal and business credit. Steps to build business credit and separate personal/business finances. Consumer Credit Rights Understanding your rights under the FCRA, FDCPA, and Credit Repair Organizations Act (CROA). What to do if you're a victim of identity theft. Day 3: Maintaining Credit Health, Starting a Credit Repair Business in NY, & Launching Your Business Maintaining Credit Health Importance of consistency and credit monitoring services. Long-Term Credit Strategies How to handle collections, rebuild credit, and leverage good credit for major purchases (home, car, business). Starting a Credit Repair Business in New York Legal requirements in NY, registering your business (LLC, DBA), and licenses. Understanding Credit Repair Organizations Act (CROA) and NY state regulations. Tips for marketing your services and gaining clients. Business Credit Building business credit: DUNS number, credit cards, trade lines. Using business credit to grow your credit repair company. Q&A & Personalized Advice Open forum for questions and next steps for credit health and business launch. Conclusion & Follow-Up Key Takeaways Summary of credit repair strategies and business launch steps. Ongoing Support Follow-up consultations and additional resources for continued learning. Note: Consult a lawyer for specific legal advice regarding Credit Repair Organizations Act (CROA) compliance and any legal matters related to starting your credit repair business.