CRACKING THE CREDIT CHEAT CODE
Are you ready to increase your credit score?
I'll teach you all the legal credit secrets so you can increase your score in 60 days!
HERE'S THE TEA....
BANKS ARE BANKING ON YOU NOT
KNOWING ABOUT CREDIT!
Banks make the majority of their money from charging you interest. The worse your credit score, the more interest they charge you. It's time to use knowledge of the credit system against them to keep more of that money in your pocket instead of theirs.
Does this sound like you?
You're struggling with overspending on your credit cards and at the end of the month you're stuck with high balances.
It's frustrating because it takes 10 seconds to run the balances up and forever to pay them down. It feels like you can never make enough money to pay them off and keep them paid off.
You're making payments, closing out accounts, and getting things removed from your credit report, but your credit score isn't moving in the right direction.
You feel like you're wasting time and money because you don't know what you're doing wrong or even what you're doing right. You're just doing things that you think makes sense, but nothing is working.
Does this sound like you?
You don't even bother trying to get any type of loan because you know you're not going to get approved.
Even using the cards you currently have makes you nervous because with the amount of payments you've missed, you're not sure if they're going to cancel the card or not.
You're following multiple "credit gurus" on social media and learning bite sized information about how to increase your credit but they never tell you how to actually do it.
You're getting discouraged and you feel like you'll never be able to raise your score because you're getting conflicting information that doesn't give full details. And even when it does, it doesn't pertain to your financial situation so you aren't getting the results they promise.
YOU'RE NOT ALONE
You’re experiencing this problem because...
Like millions of Americans, you didn't grow up with the education and the resources you needed to be successful with your money, but you're dedicated to making it right.
Your problems with credit don't stem from being careless, it comes from you not having the information you need to be successful. It's not your fault.
25% of Americans say they don’t have anyone they can ask for trusted financial guidance, but now you have me! Don't worry.
IMAGINE THE POSSIBILITY
WHAT IF I TOLD YOU THERE'S A BETTER WAY
Imagine how it'll feel when you have your 720 credit score. You're getting approved for anything you want. You're driving off the car lot with no money down on your dream car. And you're creating multiple streams of income with other people's money.
Your life before the course:
- You're getting dozens of calls from collection agencies to the point where you don't even answer numbers you don't know anymore.
- You get nervous every time someone runs your credit because you're sure it'll get declined like always.
- You're struggling to pay off your debt and don't know what it feels like to have a paid off credit card every month.
Your life after the course:
- You're constantly getting credit card offers in the mail with pre-approved high credit limits because you have a GOOD credit score now.
- You're confident you'll be approved for the loan or credit card, the question is, do you want it.
- Credit card companies are now paying you to use their card and you're paying off your balances in full every month so never have to pay interest.
INTRODUCING...
CRACKING THE CREDIT CHEAT CODE
Step-by-step video lessons, tutorials, templates, and guides to help you increase your score and finally get you approved for anything.
THE CURRICULUM
WHAT YOU'LL LEARN
The course is structured to not only help you increase your credit score, but to help you keep it there. You'll also learn where to get money to help you pay down your debt and create and stick to a budget to afford the lifestyle you want.
Module 01
Evaluate Your Credit
- The different types of credit scores
- Factors used to calculate your credit scores
- Types of credit and what accounts you need to have
- The 5C's creditors use to evaluate you
- How to get and read your credit report and credit scores
- Completing a Credit Report Analysis
Module 02
Create a Budget
- What a budget is and what it isn't
- How to set goals the right way so you always accomplish them
- How to create an easy to follow budget even if you're a beginner
- How to save so you don't go back into debt covering emergencies
Module 03
How to Pay Off Debt
- How to complete a Debt Assessment and Action Plan
- How to determine your pay off number
- The 3 Pay Off Plans to help you pay off your debt
- Strategies to help you pay off your debt faster
- Last resort strategies
Module 04
Dispute Inaccuracies On Your Credit Report
- The 2 strategies of disputing
- Knowing what to dispute and not to dispute
- The secret Credit Bureaus
- How to write and send dispute letter
- How to use the law to get things removed
Module 05
Dealing with Different Debt Types
- How to deal with Hard Inquiries & Late Payments
- How to deal with Charge Offs
- How to deal with Collections
- How to deal with Medical Debt
- How to deal with Repossessions
- How to deal with Public Records
Module 06
Building & Maintaining Good Credit
- How to prevent future credit problems
- How to use credit cards responsibly
- How to diagnose a credit score drop
- Habits of highly credit successful people
- How to protect and monitor your credit from identity theft
UNLIMITED ACCESS TO THE RESOURCE VAULT
BI-WEEKLY LIVE COACHING SESSIONS
ACCOUNTABILITY TO IMPROVE YOUR SCORE
STUDY AT THE PACE THAT WORKS FOR YOU
BONUSES (VALUE $1,185)
Enroll now and you’ll also get these 3 bonus trainings totally FREE!
101+ Dispute Letter Templates
Dispute & Challenge Letters for every financial scenario so you can dispute errors and get negative items removed or corrected.
Includes:
- Credit Bureau Dispute - Wrong Account Number
- Credit Bureau - Reason Creditor Agreed to Delete Account
- Debt Validation Request Follow Up
- Goodwill Deletion Request
- Notice of Intent to File Complaint to FTC
- and so many more...
Negotiating Late Fees Masterclass
Learn my proven & powerful technique for negotiating late fees on your credit cards.
Includes:
- All the tea on late payment charges
- My 4 Hows, 3 Whens, & A Why Preparation Tactic
- 4 Steps to the Negotiation Process
- My negotiation script
- 3 Rebuttal Offers to get them to say "Yes"
- How to Prevent Late Payment Charges in the Future
Side Hustle Away
Your Debt
Use side hustles to help you pay off your debt faster and save more money.
Includes:
- 10 Side Hustle Ideas
- How to Choose the Right Side Hustle for You
- Passive vs Active Side Hustle Options
- Best Money Making Hobbies to Boost Your Income
- What is Dropshipping and How to Make Money from It
- 7 Things to Consider Before Starting an E-Commerce Business
- Side Hustle Taxes 101
529 Accounts
Unlock the secret to smart education savings with our 529 Account Course! Learn how to effortlessly fund your child's future education while enjoying tax benefits.
Includes:
- How 529 accounts work and what makes them unique
- How to open a 529 Account
- How your family can benefit from a 529 Account
- 7 Things to Consider Before Starting an E-Commerce Business
- Side Hustle Taxes 101
What Queens Are Saying...
YOU'LL ALSO GET...
SUPPORT TO HELP YOU
THROUGH THE COURSE
You can't do it alone and I don't expect you to. I've structured this course to walk you through every step of the way.
Weekly Group Call
Confused on how to do something or stuck on next steps? Get 6 months access to bi-weekly coaching where you can get help.
Facebook Group
Get 6 months access to the Members ONLY Facebook group for accountability, support, and answers to quick questions.
Workbooks & Guides
The workbooks and guides will help you organize all your information and allow for a quick glance to help you navigate increasing your credit.
CHOOSE A PLAN
Total Value of over $6,197
Best Value (Save $101)
ONE-TIME PAYMENT OF
$397
(AfterPay & Klarna Available)
- 12 Month Access + Future Updates
- Templates, Exercises, and Workbooks
- Members ONLY Facebook Group
- Live Bi-weekly Group Coaching Calls
- BONUS: 101+ Dispute Letter Templates
- BONUS: Negotiating late Fees Masterclass
- BONUS: Side Hustle Away Your Debt
- BONUS: 529 Accounts
- PAY IN FULL + SAVE $101
MOST FLEXIBLE
6 MONTHLY PAYMENTS OF
$83
- 12 Month Access + Future Updates
- Templates, Exercises, and Workbooks
- Members ONLY Facebook Group
- Live Bi-weekly Group Coaching Calls
- BONUS: 101+ Dispute Letter Templates
- BONUS: Negotiating late Fees Masterclass
- BONUS: Side Hustle Away Your Debt
- BONUS: 529 Accounts
What Other Queens Are Saying...
"I was overwhelmed, working two jobs and feeling like I had no out on monthly bills. The Budget Queen helped me pay off one credit card and a promotional balance on another. I had so much extra money that I quit my second job."
- Yazebel
"I just want to start off by telling you thank you. I have been trying to budget, but why does it seem like I never have any money? I paid all my bills, but it feels like I'm always borrowing from my savings, using my credit card, or I just don't have enough. Not until I worked with you and you created my budget, it now makes sense. Also my credit score is now at a 735. You are out here changing lives. I say all this to say, thanks Clarissa.
- Kennecia
"I saved $4,100 this month by following your plan. Thank you! I was basically throwing away money. Seeing money in my account and all bills paid feels so awkward like I'm forgetting something. Clarissas I'm forever grateful."
- Paishey
SATISFACTION GUARANTEE
30 Day Money-Back Guarantee
If you complete the first 4 modules and you realize this course is not for you and it is not helping you increase your score, build a budget, or pay down debt, and you really gave it a full effort, I will provide you with a full refund.
WHO IS THIS FOR
IS CRACKING THE CREDIT CHEAT CODE FOR YOU?
This is NOT for you if:
- You already have an excellent credit score
- You want to learn how to illegally repair your credit.
- You need to increase your credit score in less than 30 days.
- You don't intend on completing the course and putting in the work necessary to see results.
This is PERFECT for you if:
- You live in the United States
- You are tired of your credit score holding you back and you're ready to get to work.
- You want help raising your credit score legally.
- You have a credit score that's less than 720.
HOW IT WORKS
HERE'S WHAT HAPPENS WHEN YOU BUY
Enroll Now
Click one of the enrollment buttons to check-out and purchase access to the course.
Receive an Email
You'll get an email from me titled Your Receipt. This will provide you with your receipt and access to the course.
Get Access
Get instant access to the course and the link to the Members ONLY Facebook group.
Hey, I'm Clarissa
I am a Personal Finance Coach, Speaker, and Educator with a certification in credit repair and credit score consulting.
With over 17 years of experience in personal finance, I've helped over 700 women create a budget that has saved them over $10,000, helped women increase their credit score on average 36 points in their first month working with me, and have paid off $43,000 in credit card debt in just 16 months.
Credit is just as important as cash and because of that, it is my mission to help you get on the road to a higher credit score without breaking the law to do it.
I'll teach everything I know about increasing your credit score in a way that saves you time, money, and sanity.
Ready to get results like these?
Frequently Asked Questions
How is the Cracking the Credit Cheat Code different than hiring a credit repair company?
Credit repair companies will only dispute items off your credit report.
With Cracking the Credit Cheat Code, you will learn how, when, what, and why to dispute, not just complete disputes. The course actually teaches you how to increase your score and keep it there since disputing negative items doesn't automatically translate
into increased scores.
You will also get education, not only about credit, but budgeting and other financial topics so you can not only fix and rebuild your credit, but pass that information on to your children and family to create generational wealth. It's the gift that keeps on giving.
With credit repair companies you will pay for every round of disputes, and if things come back, you'll have to pay them to do it all over again. With the course, you'll learn how to send disputes no matter how many times the debt reappears.
Also with the course you get coaching calls, accountability, and a support group unlike you would if you were just going through credit repair.
Most importantly, you get financial confidence to be able to do anything with your finances that you need to.
Can't I just google all this information?
You can certainly learn to increase your credit score by googling information. However, most of the information I know about increasing your credit score comes from me being certified in credit repair. Also, it will take a lot longer for you to google, read, and apply the information while course correcting, because things will go wrong, than just taking this course and having me to walk you through it.
I know nothing about credit, is this course good for beginners?
Yes, this course is good for beginners. Whether you know nothing about credit or know all about credit, this course will help you increase your score and keep it there.
How long does it take to complete the course?
If you are diligently working on the course each week, you can finish it within 2 months.
How long do I have access to the course?
You will have 12 months access to the course.
Is this for US residents only?
Although the basic principles of creditworthiness are the same, every country has a different financial system. With me being based in the US, the content applies to US residents. While there are some modules that will be beneficial, I do not recommend purchasing this course if you do not live within the United States.
GET IN TOUCH
DON’T SEE YOUR QUESTION IN THE FAQ’S?
I love connecting with you and answering your burning questions about the program. You can email me directly at info@ClarissaExplainsMoney.com and I'll be sure to return a reply within 24 business hours.
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