OCTAVIAN ANTHONY
Tools To Grow Your Income, Wealth, & Financial Confidence
I have produced business credit courses where you will have access to them in minutes, that will kick start your education and personal growth.
Online Courses
for Business Owners
The Right Financial Plan Changes Everything
The Resources Library is a wealth of resources at your fingertips to help you with many aspects of growing your business!
Each of the Categories you will find many flyers, emails, PowerPoints, videos, guides, and much more that will help you to market and sell this amazing program to your clients.
All you have to do is to purchase any of our credit bundles then you will be granted to access and download the files on each categories.
If you have any questions on any Category, please contact us at ebook@nogardlive-shopping.com
We’re here to help!
Learn From Octavian
” The Secret of Getting the Best Price for Your Marketing Services Without Breaking The Bank “
GET ACCESS TO ALL OUR BUSINESS CREDIT COURSES.
A complete All-in-One Bundle from $600 now at $400
We will take a look at the laws that govern credit reports and what should be included and excluded from
your credit reports. My belief is that understanding this information, you’ll be able to navigate the consumer
protection laws to effectuate deletions while building out your credit profile the way you want it.
Reviewing the following laws are key to your understanding and protecting your consumer rights:
1) 15 USC 1681 The Fair credit Reporting Act. “FCRA”
2) 15 USC 1692 The Fair Debt Collection Practices Act “FDCPA”
3) 15 USC 1601 The Truth in Lending Act “TILA”
Credit scores are used to determine your risk factor for future loans. The three-digit score attributed to you
by a credit bureau is a numerical representation that indicates how risky a borrower you are from a lender’s
perspective. A higher credit score can help improve the terms and conditions you qualify for.
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Bankruptcy is a type of public record that can be listed on your credit reports. As long as it’s listed on
your reports, the bankruptcy may negatively impact your credit and make getting a loan harder and
have higher interest rates. According to the Fair Credit Reporting Act (FCRA), a Chapter 7
bankruptcy may stay on your reports for 10 years from the date your bankruptcy is discharged. A
discharged Chapter 13 bankruptcy typically stays on your reports for seven years from the date you
file, but it could remain for up to 10 years if you don’t meet certain conditions. Both types have the
same impact on your credit scores. However, it’s possible that a future lender could view one type
more favorably than the other. Note that the FCRA says that a bankruptcy may stay on your credit
report for 10 years – not that is has to. This is a critical point to understand and it will be addressed in
more detail a little later. This type of public record (Chapter 7 or 13 bankruptcy) may lower your
credit scores significantly. If your credit was healthy before the bankruptcy, it may be hit harder than
someone with poor credit. Ultimately, how a bankruptcy affects credit can vary, partially because of
the various components that make up each person’s credit.
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Now that you know how to clean and build out your credit profiles because you read “NOGARD’S CREDIT SWEEP:
The Educated Consumers Guide To Repairing Your Own Credit,” and “NOGARD’S CREDIT SWEEP: A Guide on
Removing Your Bankruptcy”. You now have the power to influence the credit scores you will see on your credit reports.
Next on the list is knowing where auto dealers, credit card companies, credit unions, merchants, bankers and loan
officers pull from what credit score is needed to get approved.
In here I will give you the secret sauce, a look inside the lenders guide to getting your approvals. With this Guide you
can now plan your systematic attack when we go for personal and Business funding.
Based on the results you experience you can add notes to this and start to create your own tracking with whichever
credit bureau is pulled when applying for a specific tradeline!
If there is a known credit score that is required for that specific institution, it will be in parenthesis, for example,
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BACKGROUND SPECIALTY
Real estate
Sales & Investments
