imacloser_____Credit_Warriors_Draft

Credit warriors, inc. Starter
handbook

“YOU ARE CREDIT WORTHY”

Our purpose is to provide educational tools and resources that will assist our members in achieving financial freedom and
knowledge to not only repair their credit, but maintain it. Our members will learn principles of budgeting, saving and
investing with our DIYmethods.

Copyright© Credit Warriors, Inc. 2017 All
rights reserved.

1

T he Universe has a way with interrupting our lives. Sometimes it’s just a nudge, so we often miss
the blessing or in my case in the most grandiose way possible. I guess what I am trying to
communicate to you all is this that I thought I knew what my purpose driven life calling was. I mean I
wrote a book, so I’m supposed to be this best-selling author who travels abroad, living the life that she
dreams of right? I started my own business, turning a 17-passenger commercial vehicle into this posh
fashion bus and my vision was to provide a one of a kind shopping experience to all those who stepped
on. I thought I was living my tangible dreams turned reality. I was so wrong! I never would have guessed
in a million years that serving humanity would be my calling.

This credit restoration movement started off by accident. I literally had a financial meltdown in
February of 2016. My business needed repairs that totaled over $4,000, I was totally tapped out of my
reserve and my husband and I were scarcely making ends meet. To add insult to injury, I was unable
to get a small loan to cover costs of repairs due to my lack of creditworthiness. I knew nothing about
the proper guidelines to even begin to ask the bank for money; yet I tried anyway, and failed miserably.
To top it off, no income tax money due to me SCREWING UP. Devastation, then depression eventually
kicked in, and that was my breaking point! I knew that I had to keep pushing, I knew I could not just
throw it all away. I worked so hard to get that business, invested over $30,000, I just knew there had
to be a better way.

That’s when it hit me. I needed to attempt to fix my credit. I went to a second-hand shop and purchased
every book I could get my hands on that detailed the subject; then it quickly dawned on me why I totally
avoided anything remotely close to the words CREDIT REPAIR, it was so complex and intimidating. I
needed to learn the correct verbiage, in a way that spoke to me, yet complied with all state and federal
laws. I discovered several tactical ways to clean up my credit report just by knowing the law. As I began
to master this craft, I became obsessed by my discoveries, I just knew that I could not keep it a secret
and I wanted everyone in the world to know. I knew that this would literally change lives. I’ve never felt
so liberated and happy in my whole entire life! My joy comes from helping people achieve what they
have always felt was elusive. I eat, sleep and everything in between credit restoration! It’s literally all
that I think about.

I just want to take this time out to thank you all for adding value to my life and to encourage you to
follow your bliss, no matter how crazy it may seem. Know that we all reign supreme, there is nothing
that we cannot be, do or have because anything is possible as well as attainable. We were meant to
reap the many beautiful rewards that life has to offer. It’s all in the divine plan….
I challenge each and every one of you to channel your inner Credit Warrior, and teach the next
generation how to be great!

I wish you all peace, love, and prosperity. So, it is with great honor that I dedicate this movement to
all of you. As I write this, it has just dawned on me that one whole year has come full circle and I can
proudly say “I am now credit worthy!” #EachOneTeachOne

- Sypreme Essence

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CREDIT WARRIORS NEW
MEMBERS SIGN UP INFO

Join Our Members club at www.CreditWarriors.org Membership is only
$19.99* per month. There is a $25.00* one-time fee for one year for ALL active
duty military personnel and veterans. You will receive a FREE credit
assessment along with one-on-one help. We will map out a detailed credit
blueprint for you to follow.

*We reserve the right to change fees for new memberships at any time.

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RESOURCES TO BEGIN YOUR
CREDIT REPAIR JOURNEY

Sign up for privacy guard www.PrivacyGuard.com to get all three of your credit
reports and scores for $1.00 which is a 14-day trial period, $19.95 per month
afterwards.
If you need to establish credit, sign up for a Self-Lenders credit builder account
http://slflndr.com/cw

If you pay rent, your payment
history can be used as positive
payments dating up to two years
back. Rent Reporters reports to
TransUnion and they plan on adding
Experian & Equifax, sign up at
www.RentReporters.com and use
promo code CREDITWARRIORS for
a discount.

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Credit Karma (creditkarma.com)

This is free and you can also
download the app to your mobile
devices. You will only have access to
your TransUnion and Equifax credit
scores and reports.

FYI: The scores you receive in Credit Karma are your vantage scores and not
your actual fico scores, some call these fako scores, but these totals will at
least give you a general range of where you are on the score board and
will update according to what's being reported on your credit report.

Credit Check Total

(creditchecktotal.com) - This cost $1
for a free 7-day trial and then $29.99
a month after your trial has expired.
If you call and cancel on the 6th day,
credit check total will offer you the
subscription for $14.99. You will have
access to all three credit bureaus fico
scores and reports. Also daily credit
monitoring and alerts. You can also
download this on your mobile devices.

FYI: The scores you receive in Credit Check Total are your fico scores and any changes
to your credit reports will be updated here monthly with paid subscription.

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myFico (myfico.com)

The cost is $29.95. Included in this price you will receive Instant access to your 3-
bureau credit report and FICO Scores— including the FICO Scores most widely used
in mortgage, auto and credit card lending, and the newly released FICO Score 9.
Access updated credit reports and your most widely used FICO Scores every quarter.
Track your FICO Score 8 from each bureau on a historical tracking graph.

FYI: Monitor your 3 credit reports for changes, and get FICO Score 8 updates
with each new alert.

Free Score Online “scoresense” (freescoreonline.com)

This cost $1 for a free 7-day trial and then $39.95 a month after your free trial has
expired. You will have access to all three credit bureaus fico scores and reports. Also
daily credit monitoring & alerts. You can also download this on your mobile devices.

FYI: The scores you receive from Free Score Online are your fico scores and any
changes to your credit reports will be updated here monthly with paid
subscription.

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IMPORTANT!

When you order a $1.00 3-Bureau Credit Report & FICO® Scores from the above
credit monitoring websites, you will begin a 7-day trial membership and IF you
don't cancel your membership within the 7-day trial period, you will be billed
for each month that you continue your membership. You may cancel your trial
membership anytime within the trial period without charge. Also, keep in mind
your lender or insurer may use a different FICO Score than the versions you
receive from the above credit monitoring websites, or another type of credit score
altogether.

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Credit Bureaus Contact Information

Experian Website: TransUnion Phone Numbers

http://www.Experian.com 800-916-8800: Disputes Items & Status Checks
877-322-8228: Free Annual Credit Report
Experian Mailing Address 800-888-4213: Purchase Credit Report
888-909-8872: Place a Security Freeze
Experian National Consumer 800-493-2392: Credit Monitoring Customer Support
Assist. Center 866-922-2100: Business Services Assistance
P.O. Box 4500
Allen, TX 75013

Experian Phone Numbers Equifax Website

800-509-8495: Dispute Credit Report Items http://www.Equifax.com
888-397-3742: Report Requests & Fraud Help
877-284-7942: Existing Customer Support Equifax Mailing Address
888-243-6951: Business Credit Services
Equifax Credit Information Services, LLC
TransUnion Website P.O Box 740256
Atlanta, GA30348
http://www.Transunion.com
Equifax Phone Numbers:
TransUnion Mailing Address
866-349-5191: Dispute Credit Report Items
TransUnion Consumer Relations 800-685-1111: Request Free Credit Report
P.O. Box 2000 888-766-0008: Place Fraud Alert on Profile
Chester, PA 19016 866-493-9788: Existing Customer Support
888-202-4025: Business Solutions
$1 Offer – TransUnion Credit Monitoring

TransUnion LLC
P.O. Box 2000
Crum Lynne, PA 19022

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Get a free copy of all three of your
credit reports. You can get these from
www.AnnualCreditReport.com
(You are only allowed one free report
from each bureau once a year).

To remove public records i.e. Tax liens, judgments, and bankruptcies, you must
contact the following third-party reporting agencies and have your consumer files
frozen. You also should suppress files as well, especially with LexisNexis.

• Advance Resolution Services, Inc. (A.R.S.) – (800) 392-8911
• LexisNexis – (888) 497-9172 www.lexisnexis.com/privacy
• SageStream– (888) 395-0277 http://www.sagestreamllc.com/security-freeze
• Credco/CoreLogic – (877) 532-8778 www.credco.com/securityfreeze
• Innovis– (800) 540-2505 www.innovis.com

Note: All files must have a credit freeze prior to getting a bankruptcy, tax lien or
judgment removed. The 609 letters can be used to remove theses public records that
are reporting on the 3 credit bureaus. Use the public record removal letter for these
type of accounts.

If you are in Chexsystems and you are trying to get a bank account, you can have a
security freeze placed on your Chexsystems.

• Chexsystems: (800) 887-7652 – www.chexsystems.com
• Early Warning Services: (800) 325-7775 - www.earlywarning.com
• Telecheck: (800) 366-2425

https://www.firstdata.com/content/dam/FirstData/telecheck/telecheck-
information-dispute.html

We also have Chexsystems dispute letters in the file section of the group page.

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CREDIT WARRIORS, INC.

NOW OFFERS CREDIT REPAIR SERVICES
FOR A FLAT FEE

Which Includes:

1. A scheduled appointment to your convenience.
2. We will go over each item that is reporting negatively (unlimited number of

accounts) collections, bankruptcy, judgments, tax liens, hard inquiries that
you did not receive new credit for, and late payments.
3. We will begin the credit repair process based on the accounts we agreed on.

Requirements:

1. Pull your credit reports from PrivacyGuard.com for all three credit bureaus
and provide us with your log-in information.

2. Email a photocopy of your State Issued Identification.
3. Email your Social Security card to a secured email address.
4. Most current Utility Bill (not a cell phone bill).

Throughout the process you can contact your assigned personal consultant with
any questions or if you receive any correspondence.

You are responsible for emailing your assigned consultant any correspondence you
receive from the creditors or credit bureaus. It may not take 3 cycles, but our fee
includes up to 3 cycles of service to you! (cycle = 30-45 days). There is no guarantee
in credit repair. There will be no refunds once the work begins.

Contact: Sypreme Essence
1-800-726-4983 or [email protected]
for availability, pricing or to make an appointment.

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STEP ONE
OBTAIN AND REVIEW YOUR CREDIT REPORT

(Transunion, Equifax, Experian)
Review all personal information such as names, addresses, work history etc.
and make sure they are current and accurate. Review all hard inquires, credit
accounts, collections, public records etc. Make note of any inaccuracies and
highlight for removal or correction.

STEP TWO
CONTACT CREDIT BUREAUS TO DISPUTE ALL

INACCURATE PERSONAL INFORMATION

• Dispute any misspelled names on your credit report. No matter how many.
• Remove all previous or incorrect addresses on your credit files. Only keep

your current address on file. (Unless performing “The Shopping Cart Trick”
in some cases you should keep an old address that is reporting in order for
it to work. See Shopping Cart Trick below)

• Update your current phone number
• Remove old employers and add your current employer

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STEP THREE

DISPUTE HARD INQUIRES ON YOUR CREDIT REPORTS

(If you were affected by the glitch that occurred April - June of 2016 with Transunion,
you can have your hard inquiries removed). You will have to dispute your Equifax and

Experian hard inquiries via dispute inquiry letters or call the lenders who ran your
credit and ask them to remove them.

Before contacting each credit bureau, make sure you have a printed copy of
your credit report available.

• Once you get a TransUnion representative on the line they will proceed to

ask for your personal information. Immediately request to be transferred to
a special handling agent in the USA. You want your phone call to be
handled by a US representative as previous Credit Warriors have found a
greater percentage of success when speaking to a US special handling
representative.

• Once transferred advised the representative that your inquires fell off, but

were reinserted and you never received a five day notice (which is a FCRA
violation)

• Provide them the information they need to remove the hard inquires.

Wait until your credit report updates before moving on to step four.

STEP FOUR
DISPUTE NEGATIVE ACCOUNTS ON YOUR CREDIT

REPORT

Please view group files for information on disputing judgments, bankruptcy
and student loans. Remember, you are repairing your credit in small steps!

• Collections
• Late Payments
• Charge-offs
• Public Records

The most effective way to remove negative accounts from your
credit report is to use a 609 letter.

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WHAT IS A 609 LETTER?

Section (609) of the Fair Credit Reporting Act is a Consumers Disclosure
section which is to provide for the protection of consumers against false and
erroneous reporting.
This section of the FCRA places the burden upon the Credit Bureaus and the
Creditor to prove an account is yours. To positively prove an account is yours,
the creditor must provide the credit bureau a copy of the original creditor's
documentation (whatever you filled out and signed upon opening the account
with the reporting creditor).
The FCRA was enacted by Congress to protect consumers from unverifiable
accounts and information from being reported on your credit report. Example:
If you filed a suit against someone and you showed up in court with no proof
against that person, what would the judge do - throw the case out of court!
Without documentation, the Credit Bureaus have NO right to list your
personal financial information on your credit report. They are required by law
to verify and validate every single account on your report.

609 letters are most effective in removing accounts and information that
negatively affect your credit score. It also creates physical proof of your
disputes. Always send 609 letters via certified mail with proof of delivery.

IMPORTANT: You can dispute online as well, but please note that disputing
online waives your right to dispute again if the account comes back verified.

COPIES OF 609 DISPUTE LETTERS CAN BE FOUND IN OUR
CREDIT WARRIORS HUB

Please make sure to follow the instructions as they are detailed
in order to increase your probability of success.

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SHOPPING CART TRICK (SCT)

WHAT IS THE SHOPPING CART TRICK?

The Shopping Cart Trick, also known as the soft pull trick, is a clever method
that allows people with bad credit to obtain a credit card. The SCT relies on the
fact that many websites will pre-approve you for a credit card during the
checkout process without actually checking your score. When you opt in, you
are in essence registering yourself in the system of the creditor which makes
credit approval faster without the hard inquiry.

The first step to begin the Shopping Cart Trick is to opt in at
https://www.optoutprescreen.com/?rf=t

• Make sure you fill out all the information as it appears on your credit report.

It is a good idea to have a copy of your credit report handy so that you input
the information correctly.

• Wait 2 to 3 weeks for your information to be registered into the system. It has

been reported waiting 7 days is sufficient, but it is better to wait at least 2
weeks for optimum success with the SCT.

• Once you are ready, clear out your internet browser’s history and allow pop

ups. (Each internet browser client is different on how to accomplish this, please
search google for instructions.)

• There are dozens of websites that have been reported that work with the SCT,

but the retailers websites with the most reported success are as follows:
Victoria Secrets
JD Williams
Fingerhut

• Go on any of the above websites and add items to your cart. It is advised to not

add more than $300.00 to your cart.

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Check out as a guest and input all personal information exactly as it is on your
credit report.

• If the Shopping Cart Trick is successful a pop-up message of pre-approval

will appear before you are required to input payment information. Accept
the offer and input all your information along with the last four digits of
your SSN. This will be a soft pull and will not show up on your credit report
as a hard inquiry.

• DO NOT BUY ANYTHING!
• Empty out your cart and wait until your credit card comes in the mail.

Next is a list of retailers that have been reported to work with the SCT.
Some have higher success rates than others.
Use this at your own discretion, but remember, the goal is to acquire
new credit lines so that you can boost your credit score without the
hard inquiry credit score reduction or hard inquiry log on your credit
report.

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Comenity Credit Card List
2016

The following stores have a Comenity store credit card offer, and have been
tested to work with the shopping cart trick. To start, select a few off the list
that you want, and save the websites for later. I always recommend only
focusing on three sites at a time, and if they fail, moving on to three more.

• Abercrombie & Fitch • Motorola
• Ann Taylor • MyPoints
• Bath & Body Works • New York & Company
• Brylane Home • One Stop Plus
• Buckle • Overstock
• Coldwater Creek
• Express (Be careful with your social on
• Gamestop this one! Only enter last 4!)
• HSN
• J.Crew • PacSun
• Jessica London • Romans
• JJill • Sportsman Guide
• King Size Direct • Total Rewards
• Loft • Venus
• Victoria Secret
• Wayfair

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Below is a list of Credit Cards that
can help you on your road to
Credit Worthiness:

For people with Poor to Fair credit the recommendations are to get a
secured card:
Open Sky Secured Credit Card (soft pull)
For more detailed information visit:
https://www.OpenSkycc.com/
Capital One Secured Credit Card (hard pull)
Capital One Secured Credit Card
First National Bank Secured Credit Card (hard pull)
First National Bank Secured Credit Card
You can also get a secured credit card from the bank you currently bank with.

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For people with Good credit the recommendations are to get an unsecured
card:

Capital One - Platinum or QuickSilver (hard pull)
Capital One

Credit One - (hard pull)
Credit One

Store Cards - Walmart, Target, Sears, JC Penney etc... (hard pull)

Bank Cards - Chase, Bank of America, Wells Fargo etc... (hard pull)

For people with Very Good to Excellent credit the recommendations are to
get a [Major] unsecured card:
Discover It, American Express (Amex), Barclay etc... (hard pull)

You can go to each of these creditors website to research their information.

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$9K Guaranteed Personal Credit

Credit Warriors wants to show you the next level to building your personal credit.
Your hard work and dedication thus far clearing derogatory and incorrect concerns
on your personal credit report has shown some progression to your credit worthy
goals. Now you need that extra boost or that last push. Well, Credit Warriors has a
passion and mission to be persistent in our research and dedication to reach, teach,
and empower as many as WARRIORS as possible. In our dedication to that mission
we have discovered something new that will give you the boost you desire.
We at Credit Warriors, have yet another empowerment tool that will help elevate you
to a higher standard of credit worthiness. This new option will put any Warrior in
place to receive GUARANTEED Personal Credit. How? Glad you asked!
With this tool, you have three options that will guarantee up to $9,000 in new lines
of credit that report directly to all three credit bureaus every month. You have a few
options to choose from to help you reach your personal credit goals:

1. Hutton Chase - offers a $1,500 line of credit that reports to Equifax and
TransUnion only.

2. Ox Publishing - offers a $2,500 line of credit that reports to Equifax only.

3. My Jeweler Club - offers a $5,000 line of credit that reports to Equifax,
TransUnion, and Experian.

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Whatever option you choose to open (from $1,500 up to $9,000) you will position
yourself to balance out your Credit Utilization and Debt-to-Income (DTI) ratio. This
new tool can play an important part in boosting your credit score for immediate
and long-term goals like purchasing a car with a great interest rate or purchasing
that family dream home. The list goes on!
To take advantage of these opportunities use the links listed below and click your
way into the boost that gets you closer to your dream credit score. Be sure to read
all the details on each link to help you better make your choices.

Hutton Chase

http://www.huttonchase.com/join6/?aff=XX-33KQRX

Ox Publishing

https://www.oxpublishing.com/credit/p7/?aff=XX-R9V2C2

My Jewelers Club

https://www.myjewelersclub.com/discount/25823

Thank you,
Credit Warriors

*Remember use your new credit wisely!

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BREAKING DOWN 'Debt-To-Income Ratio’ – DTI

A low debt-to-income ratio demonstrates a good balance between debt and
income. Conversely, a high DTI can signal that an individual has too much
debt, for the amount of income he or she has.
According to studies of mortgage loans, borrowers who have lower DTIs are
more likely to successfully manage monthly debt payments, so lenders prefer

to see low numbers. In general, 43% is the highest DTI a borrower can have
and still get qualified for a mortgage. A debt-to-income ratio smaller than 36%,
however, is preferable, with no more than 28% of that debt going towards

servicing a mortgage. The lower the number, the better the chances that an
individual will be able to get the loan or line of credit he or she wants.

To determine your DTI ratio, simply take your total debt figure and divide it by
your income. For instance, if your debt costs $3,000 per month and your

monthly income equals $10,000, your DTI is $3,000 ÷ $10,000, or 30%.

CONGRATULATIONS! YOU ARE ON YOUR WAY TO BEING CREDIT WORTHY
YOU ARE ON YOUR WAY TO BEING A CREDIT WARRIOR

*Please note that this book’s content is subject to change. I will work diligently
to provide new content, and to keep it updated for you.

-Sypreme Essence

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