Create a credit conscious lifestyle. It's time to shift how you think about and understand credit! The Credit Journey online credit repair course was created with the sole intention of helping individuals fulfill their ultimate financial potential using Credit Repair Video Courses, Web-Classes, Tip of The Week Video and social media to produce not only a credit conversation as well as awareness but an absolute credit consciousness. Millions of items have been removed from consumers' credit reports legally and permanently since the 'Fair Credit Reporting Act' was passed. Join them and start saving money now! These financially life changing classes are 90 minutes in length, twice a month for six months.

2. Art Gulle
Creator of “The Credit Journey” Online Credit Repair Course and
Coaching
Create a credit conscious lifestyle. It's time to shift how you think
about and understand credit! The Credit Journey online credit repair
course was created with the sole intention of helping individuals fulfill
their ultimate financial potential using Credit Repair Video Courses,
Web-Classes, Tip of The Week Video and social media to produce
not only a credit conversation as well as awareness but an absolute
credit consciousness. Millions of items have been removed from
consumers' credit reports legally and permanently since the 'Fair
Credit Reporting Act' was passed. Join them and start saving money
now! These financially life changing classes are 90 minutes in
length, twice a month for six months.
https://www.thecreditjourney.com/freevideos.html
www.TheCreditJourney.com

3. WHAT “THE CREDIT JOURNEY” ONLINE
CREDIT REPAIR COURSE WILL DO FOR YOU:
• Create A Financial Edge For You And Your Family!
• Eliminate Stress By Creating A Credit Conscious Lifestyle!
• Provide Simplistic Step by Step Instructions To Boost Your
Credit Score!
• Allow You To Take Control Of Your Financial Future Today!
• Assist You With Getting You The Best Rate When
Purchasing
A Home!
• Protect Your Home, Credit, and Wallet From Identity Theft!

4. What if credit repair was made
simple?
Wouldn't you like to purchase your Dream Home or Car
sooner than later?
How about credit card companies begging to give you the
best rates possible!
It’s all tied up in a credit score!

5. There are three main credit bureaus in the U.S.:
• Equifax- P. O. Box 740241, Atlanta, GA 30374-0241
• Transunion-P. O. Box 1000, Chester, PA
19022
• Experian-P. O. Box 9595, Allen, TX 75013-
9595
Most collection agencies in particular only report
collection accounts to only one bureau.

6. How Is Your Credit Score
Calculated?

7. Reality Of U.S. Credit & Debt
• Average U.S. debt is over $27,000 excluding mortgages
• About 43 million people have credit scores below 599
• Most of them have debt and have no idea of how to pay
them off
• What we didn’t realize years ago was that we
could learn to change this ourselves. We have
the ability in our hands to not just learn but teach
our entire families how to manage credit and our
finances.

8. • If you have no credit and someone requested your
report, the only information they would receive
would be the information that they themselves typed
in.
• If you want to keep your credit file clean, the first
rule is to pay your bills on time. If you cannot,
then be aware of which companies have your SSN
and pay them first, before you pay the others.
• Without your SSN, companies cannot report you
to the bureaus.
PROTECT YOUR CREDIT FILE

9. • You have the right to dispute and investigate items
on your credit report.
• Incorrect items such as late payments, charge offs,
foreclosures, judgments, repossessions,
bankruptcies, tax liens, collections, short sales,
medical bills and others can be removed from your
credit file or can be updated to reflect paid as
agreed.
KNOW YOUR RIGHTS

10.  Your credit score is the life line of your future. It’s
the root that has many branches like a tree being
watched at all times for good fruit.
 Having less than an excellent credit rating
could potentially cost you roughly $225,000
over your life
time .
 More than 50% of employers run credit checks on
applicants.
 70 to 75% of credit reports have errors
that cause your score to be lower
YOU ARE NOT THAT FAR AWAY FROM GREAT
CREDIT!

11. My question to you today is what would it be worth to you
to have the credit that will open up the door for financial
freedom for you and your family’s lives?
$5,000
$2500
$1000
$397
What if I told you that it will only cost you $57-$139 per
month. GO TO: www.TheCreditJourney.com click on
services and see why others have decided that “Preventive
Credit Repair Is Better Than A Financial Hardship Cure”
WHAT IS TRUE AND LASTING FINANCIAL FREEDOM
REALLY WORTH?

12. DECISIONS
There is a single mental move that you can make which will solve
enormous problems for you. It is capable of improving almost any
personal or financial situation you will ever encounter…and it
could literally propel you to the road of financial literacy and
success with money. There is a phrase for this…..it’s called making
a DECISION.
Making a decision means committing to a particular result and
cutting yourself off from any other possibility. A TRUE DECISION,
then means you are committed to achieving a result, and then
cutting yourself off from any other possibility.
Make the decision today to change the rest of your life by going on
The Credit Journey!