“What the heck?”
That’s what I said to Tyler, a good friend of mine, who called me the other day after being turned down for a loan.
He explained that his score is in the low 600s.
“Why haven’t you taken the 14-Day Credit Challenge?” I asked him.
Tyler and I have known each other for almost 20 years. He knows all about my program, and I couldn’t believe he hadn’t taken advantage of it.
Tyler and I have one of those ultra-frank relationships, but I was kind of surprised to hear his reasoning …
“I just don’t have time,” he said.
This time I only thought it … What. The. Heck?
One of my favorite things about the 14-Day Credit Challenge is that it takes only about 10 or 20 minutes a week. You don’t have to read an entire book or study the credit laws.
All you have to do is spend 5 to 10 minutes a week watching a video tutorial, and then complete about 5 to 10 minutes of homework.
That’s it.
Seems simple to me.
But then Tyler called me out.
“Phil, I have a business that I’m trying to get off the ground. And I have a family to support … a family I only get to see in the evenings and on weekends, assuming I’m not working. There’s no way I have energy to take a course about credit repair.”
Okay, Tyler, point made.
The 14-Day Credit Challenge is pretty amazing, in part because of its simplicity. But it isn’t for everyone. Some people need just the facts—they don’t want to know any of the “what ifs,” nor do they want to know why the rules work.
“Cut to the chase and tell me what to do,” Tyler said to me.
So I laid it on the line for him and started with the number-one strategy he should take.
Want to know what I told him?
Submit your name below, and I’ll send you the answer.
Plus, I’ll send you information specifically for people who are too busy to go through the 14-Day Credit Challenge and want a Fast Track for getting their credit fixed … and fast!
I own 3 businesses and mine was over 800 until we charged Deans program and now my fico score is 680 . I bought your program and haven’t had the time either to use it but I will get to it. But a fast track would be great.
November 13, 2011
Dear Philip,
Firstly, Happy Holidays, thank you for the book, very good references, links to MyFICO.com, {is it your website, the grammar is a lot like yours}, and generally giving me hope the world will improve, get on track.
I hope my son Philip pays attention to the material forwarded him. He does so MUCH,his credit he thinks I can fix. I forward this to his inbox, he’s home 700pm each evening, out early the following day, 6 days a week. The material included is suited to his needs. I want to request the material to review. Scanned pages of your Philips729credit workbook and emailed these to him.
He wants me to call amd fix, need account authorization, the money in hand to make the deal happen.
He does so much right, I hope some of the strategies click, included the budget worksheet, recommended he withold 15% of his salary towards savings.
If we did have the money when I was injured, he wouldnt’ve quit school, and work his way to these hours, this job. He did have set goals he could live with. He gave up a guaranteed placement starting at 40,000USD, a 40 hour week, friends in the community, etc. After school, he worked in the evening installing home electronics, was looking forward to 40 hour weeks.
He gives the money to family, spends it, hoping to make his place among them. He wants them to help him, me, he can’t change lifetime habits. I can’t go there, I want him to get expert help in all he does in life.
He once asked, how will I know because papa’s gone, who will teach me, I’m too young. I needed to be 5yrs old, its too soon, don’t tell anyone, I’m too young. They said “their husbands” wouldn’t allow them to help him at all. My answer was I will get world experts for you, not beleagure them with things we are living now, for answers, where to turn, where to make the turns we need. Experts know things, if we follow, can make our lives a success. You have to trust the experts. Take in the knowledge, if its something you can live with, follow it to where you’re successful with it. Do this for all areas where you think we don’t have enough, where mom doesn’t have the things you need, remember you need these anyway, and we’ll get the experts. At the time, they didnt have “grief counselling”. I was a psych major, and astounded at the answers and evasion when I asked for help.”Wait, it takes about two years and things will improve, was the basic answer”. Its for the widow, there is a child. The day of 911, as we watched on television, and later, he says, “the children crying, and screaming, mom, screaming for their parents, i know this”. Its good someone else feels it, its bad to have all that stuff happen, is it bad to like to watch it? Did you want it to happen, did you know about it? No, he concluded. Then its a life experience, which matches, recognizes, and I hope heals some of the grief, without causing further grief. The experts handled it a lot better than they did us. They “lost” our paperwork for 18 months, when he needed me at home, and he needed the things a happy child needs. He learned to read at the end of 3 yrs old, letters and words. He watched peacefully, with empathy. His loneliness at encountering so few peers with his grave loss, he was seventeen, and like a child watching the children ask, beg, for their parents return. I hope I can help him, his family doesnt understand his needs, didnt then, they took money meant for him, and justify it, by finding me less than perfect. The lawyers I send him to, disappoint him. The educational package I put together I hope has the effect it should, the “backing” of my only child’s family, let the lawyers do their job properly, designate his money to him. They assist in covering up money misallocated to his maternal family, each lawyer does this, because they are so wealthy. It has become a big issue in this state, their covering up things from the past, taking precedence over his becoming a successful young man today. It is disrespectful to him, to us and our lives. We never misrepresented his home state, or spoke badly of them. He makes good choices, cares about his home and appearance. His manners are rough around the edges, and I try to explain Sicilians when excited, have a lot of expletives in their vocabulary. It isn’t an insult. He likes simple things. The coverups about the money hurt him, as he grieves again, and they are alive, keeping the facade going with their children. I hope he finds family love, loyalty, and time to fit this advanced, “go to” program into his life. I can steady his home with the Coverdell education package, and should anything happen, his children can complete their chosen education.
Make it a great day, thank you.
want to know if it is a good idea to get involved in a credit repair program offered by local debt counsulting company in Canada. The program goes like this. $200 monthly deposit for 24 months. total deposit $4800. The company will give me back a GIC for $3000 plus a line of credit of $500. Their take is $1300 program. In return the financial company they have contracted with will report to the credit bureau that I have a installment loan of $4800 and the payment is uptodate.
No credit checks, no inquires to the credit bureau.
Is this a good program if you dont mind telling me.
I am currently enrolled in the 5th week of your 14 week credit challenge program. this is my question of the week for you.