Fast Credit Repair! Killer Secrets To Put You Legally Ahead Of The Credit Reporting Agencies!

Years ago, after some financial mistakes, I heard about a guy in a suburb of my home town who for a few hundred dollars could wipe my credit file clean. Start over new, fast credit repair, no late payments or outstanding collections. It would take 24 hours to set it up. Sounds good, right? I didn’t believe it at first, but I called the guy to check it out. He assured me the program was completely legal and supported by the federal government. It sounded too good to be true.
Well, it was! When his office turned out to be a spare room over his garage, I decided to go a different route and hired a lawyer. I heard a few months later that the guy had been shut down and the people he had “helped” were being investigated for fraud. I dodged a bullet! A few months ago I began to see ads in the local newspaper advertising fast credit repair and just out of curiosity I called again. Guess what…years after this guy was shut down similar companies are popping up trying to sell the same idea. Get a new ID and a fast credit repair. I asked if this was legal and they told me that the government actually “sponsored” the program.

Well, I did the research this time. I checked with the IRS and FTC and found out what is legal and what isn’t. Here is what happens: a company will target anyone with bad credit and offer them a whole new credit file. The company will apply with the IRS for an Employer Identification Number (EIN) on behalf of the consumer. They give the IRS a “business name” and address not at all associated with the consumer. They then apply for credit using the EIN in place of a social security number. Since there is no history for the EIN, viola; a fast credit repair and you now have a brand new credit file.

It seems like the government sponsors this program, because you get the EIN from the IRS, but nothing could be further from the truth. You’ve probably seen an EIN before if you’ve ever filed your taxes. Check on your W2. The company you work for has an EIN. Every business operating legally does. If you start a business, you’ll have to get one as well. The issue is when a consumer gives false information to the IRS, like the name and address. This is fraud.

Some privacy experts would argue that separating the consumer and new EIN is legal. The FTC disagrees. They call this file segregation and they say it’s illegal. Since they’re the government, I wouldn’t mess with them.

There is an upside in this whole thing. Say you want to start a home business and would like to get that Costco business American Express card. You legally can. To start with the business entity you create will be tied to your personal credit. Hiring an accountant or book keeper to do the bills for the business is a great idea. It saves you time and builds a credit history for the business. Even if you are late on your personal mortgage or credit card bills, the business will become a separate entity and be eligible for credit cards and other credit.

Enhancing the Interior and Exterior of Your Dodge Charger With Aftermarket Accessories

Are you an automotive trendsetter or a follower? If you are a trendsetter, continue restyling. On the other hand, if you are a follower, please follow me to the restyling zone where automotive dreams are made of. This is not Facebook or Twitter follow me, just follow me, so I can show you how to enhance the internal and external features of your Dodge Charger with the latest aftermarket accessories. Not all of us are gifted equally when it comes to automotive restyling. If you are among the few that don’t know how to style your Dodge Charger, follow these simple suggestions.

If you are looking ahead to enhance the look of your Dodge Charger in every new season with fresh collection, how is the idea of adding custom aftermarket grilles? If you look around or drive down the street, you will practically see a whole lot of Chargers or mistake a Dodge Avenger for a Dodge Charger. Reason why? A dodge Charger that is not supped up just look plain and boring. However, you can do something about it; start with replacing the stock grille. One of the first options in styling your Dodge Charger is replace the boring one-style-fits-all factory grille with aftermarket options. There are several grille offerings from top manufacturers such as E&G Classics, T-Rex Billets, Asanti, Giovanna, Carriage Works, Putco, Precision, SES Trims and MVP Styling.

If you are a showoff enthusiast, try enhancing the exterior of your Charger. Among the many options; Body Styling kits, rear trunks spoiler, and rear roof wing. If you like to bling bling, add a dash of chrome trims to the exterior with chrome door handle covers, fender trim moldings, chrome taillight bezel, fender or rocker vents, rocker panel moldings and chrome body side moldings. Projector headlights, high intensity definition (HID), LED taillights are not a bad idea in any one way. For you to really exhibit a different persona for your Dodge Charger, upgrading of your wheels is a must. 20 inch, 22 inch and 24 inch wheels will do the trick. You might not believe me, but adding a set of square fender port holes will cap the finishing touch to the exterior of your ride.

Adding body kits and chrome trims is just a phase of your Dodge Charge enhancement. You are welcome to go extreme. A custom paint job that includes flames, two tone paint or even candy paint is a possibility. How about a Lambo vertical kit or even a suicide door? Enhancing the exterior of your Charger has no boundary or limit. If you have unlimited funds or simply have a serious passion for your ride, you may also make some aggressive styling that requires you replacing the front end with a Chrysler 300 front. It is possible and do-able. Mind you, these are suggestions; don’t over do it, as too many cooks spoil the broil.

Are you done enhancing your Charger yet? Of course not; it is not over until the fat lady sings. Since you do not know which of the fat lady is going to sing, I suggest you start decorating the interior of your Charger right now. The interior is definitely the home away from home. And as such, add accessories that encompass style, security, convenience, comfort and protection in any order. For comfort, I recommend seat covers, floor mats, dash covers, cargo liners, sunshades and legal window tint. Also, try upgrading the electronics of your Charger. There are lots of choices; back up sensor alarm or back up alarm is not a bad idea. You are also welcome to add dash accents, upgrade the audio, video, speakers, GPS navigation system, or simple plug-ins for your iPod, cellular phone chargers or what have you.

The availability of the interior and exterior auto accessories in different styling option would help you to add freshness to your ride. Each of them is made up of different kinds of style to reflect different features. However, all of them are designed to give you the ultimate comfort and style that you might seek in enhancing your Dodge Charger. The key to enhancing the interior and exterior of your Charger is coordination. A coordinated styling will eliminate the frustrating decision of attempting to install all the above accessories at one time or any time when your appearance needs to make a statement.

Interview With Adriana Dodge, Author of A Millionaire’s Real Estate Secret

In over three hours of conversation with Adriana Dodge, author of A Millionaire’s Real Estate Secret, she never failed to have some thought-provoking ideas great for entrepreneurs in all endeavors, especially those looking to get more involved in real estate opportunities.

Question: What does ‘success’ mean to you?

Adriana: 1. Successful relationships with others 2. God active in my life 3. Financially free to do whatever, whenever 4. Feeling at peace. That’s my definition of success, and each person should have their own.

Q: How important is a person’s ‘Why?’ to achieving success?

A: It’s a MUST. When you have a vision, you will go the extra mile and do whatever it takes, legally, morally, and ethically, to pursue your success. Really, when the passion is big enough in your heart, the facts don’t count!

Q: What holds people back from achieving the success in real estate they dream about?

A: Fear. Fear of the unknown. The ‘I don’t know’ fear. ‘I haven’t bought properties before.’ ‘I don’t know if I can be a landlord’. ‘I don’t understand numbers’. Those beliefs. Basically, it’s a lack of confidence in themselves and it’s harder when you can’t recognize opportunity when it’s in front of you. That’s a lack of training, too. Fear can stop the most knowledgeable, experienced investor, but it lessens [with training and experience].

Q: What advice would you give to aspiring Real Estate investors?

A: Take Action First! Call people and negotiate deals. Ask the questions you don’t want to ask. Visit properties and really learn one neighborhood. Always be talking to other investors. Study, learn, and go to seminars. Get a mentor. This can help successfully master fear.

Q: What should a mentor do?

A: They should teach us to fish, not just provide deals. Deals too, but they should give us the ability to recognize opportunity ourselves and encourage our own decision-making. Give examples and scenarios, and show us how to mentally rehearse transactions. Challenge us, push us to take action, and be there to say ‘I understand what you’re going through’. They should force us to take on the mindset of an investor by teaching us to put aside the emotions and learn to look at the numbers.

Q: What are your thoughts on property management?

A: The most important thing in property management is a very tight lease. Tell people their responsibilities up front. They can choose your home or not. Treat tenants with respect and with a customer service attitude always. Take care of things immediately; use contractors and vendors who keep their word-they are an extension of the landlord. When people can depend on us as landlords, who are their friends going to call?

Q: Is there any legitimate reason, limitation, or disability that you can think of for someone in this country NOT to achieve financial success if they truly pursue it?

A: There is absolutely no excuse. Anyone in the United States who wants to succeed will succeed. All it takes is a decision and taking action until you reach your goals.

She then laughed, adding: “If I can do it, think of the possibilities for someone who is smarter, taller, and prettier!” I couldn’t have said it better. I hope you enjoyed looking in on my interview with Adriana Dodge, author of A Millionaire’s Real Estate Secret.