Disputing your credit report is your legal right. Despite the newpaper articles, TV Reports, and other credit bureau propaganda, the simple truth remains: You can restore your creditworthiness! The problem with YOU restoring YOUR credit profile without knowing and understanding the TRUTH regarding the Credit Reporting and Debt Collection Laws, is like a person performing surgery on themselves and they lack the knowledge and understanding how to complete the procedure without killing themselves, or at best, leaving a scar, and in this case that would last 7 to 10 years.
Most people do not know the laws surrounding Credit Reporting and Debt Collection Practices, and truth to exercise their legal rights, nor how to use these strategies to restore their credit profile legally, to a positive status, utilizing the laws that govern credit and debt.
Creditors and Collection Agencies are trained in collection practices and tactics to inflict fear through intimidation and harassment. These tactics do not work with us. And we will show you what to do in order to overcome these threats in your life.
DEBT REDUCTION & MANAGEMENT /
DEBT & CREDIT MANAGEMENT EDUCATION
INCREASE CREDIT STORE & RESTORATIVE LOAN PROGAMS
The above programs are designed to assist the Client's with various debt & credit issues to become debt free and creditworthy, as quickly as possible. Providing individuals with the necessary debt, credit, and money management information needful in today's society to make wise financial decisions. Providing "FREE" Credit Restoration Services for Clients who complete Debt Management Program guidelines.
FRAUD/IDENTITY THEFT
We will verify information illegally used without authorization to obtain credit. Upon verification, all unauthorized information will be removed from Credit Profile and Fraud Alert will be inserted into your file. Conduct Identity Theft Program.
CONSUMER FRAUD INVESTIGATIVE SERVICES
We will investigate consumer fraud; provide documentation for legal actions to recover losses.
HOME BUYER PROGRAM
LOAN SERVICES
REFINANCING
If you are looking to qualify for homeownership or refinancing, we would be honored to assist you in obtaining loan approval while we are in the process of assisting you with your debt & credit needs, if you do not already have a loan officer who has referred you to our program services. We will seek to provide the very best loan package possible. (Assisting familines for refinancing & homeownership in all states except New York). Click here for more information.
CREDIT CHECK PROGRAM
Find out if you can be approved even before applying for credit. This process does not pull your credit, nor affect your credit score.
INCREASE CREDIT SCORE PROGRAM
We have the ability to increase your credit score in 24 hours to 5 days. For information and analysis to see if we can raise your scores, call the office. For Clients with no derogatory reporting.
ESTABLISH CREDIT PROGRAM
For Clients who need to establish new positive credit, who have low scores for credit approval, or no credit at all.
DEBT TERMINATION PLAN
We will provide you a printed plan to terminate all your debts years sooner, freeing up your finances for investments and retirement.
Example: A Client who makes $60,000 annual income household with $151,639 in total debt, including their mortgage, could be completely debt free, owning their home, two cars, and everything else in their lives in just 5 years 11 months, rather than 15 years, 11 months. Now this client can take the funds they were using to pay their debts to begin to save for their retirement and investments. They have will have in investments in 23 years $3,725,635.00 at age 65 years, in just interest [not including Appreciation of Shares and Capital Gains].
If they waited to terminate their debts and invest, they would have only have 7 years to invest having $359,340.00.
The Difference of 7 Years investing = $3,366,295.00. Money they could have if they only decided to terminate their debts rather than paying according to their Current Schedule.
The sooner you become debt free the harder your money can work for you!
ASSET PROTECTION
Frivolous lawsuits are filed everyday. One could strike you anywhere at anytime.
Business owners, Medical Professionals, Officer of a Corporation, Real Estate Owners [home owners], Owners of other assets: If you have any assets you need asset protection!
Don't leave yourself unprotected, risking your family's financial future. When it comes to asset protection, there are no cookie-cutter solutions. We help people on an individual, case-by-case basis. Whether you are protection real estate, business assets, securities, or cash, we can analyze your situation and recommend a plan to help you become financially protected. Click here to see if you need asset protection. Dont leave your family to chance!
LIFE INSURANCE
Looking for the right amount of Family/Asset Protection? Protect your family from financial devastation. Looking to reduce your life insurance costs? Eliminate unnecessary options that cost. Let us help you!
We recommend dropping the following on any existing policy:
- Credit Life Insurance
- Mortgage Life Insurance
- Death & Dismemberment
- Paid-Up Insurance
Non-smoking benefits reduces your premium
Life Insurance needs are based on what is called the "Dime Theory":
D - Debts and Death [Burial Expenses]: Take total debt and burial costs $_______
I - Income: Income needed for those who will remain. Annual income x 10 $ _______
M - Mortgage: How much do you need to pay off your house? $_______
E - Education: The cost of college tuition or cost to raise the children $_______
Total [this is the Policy Amount you need]: $_______
For Comparable quote, call for referral (623) 512-4852.
The purpose for this presentation is so that Clients may fully understand our program services. Many prospective clients, because they have heard about our Credit Restoration success stories, come to expect that they are receiving and paying for "Credit Repair" services. They have no idea, prior to speaking with us, that they are actually in need of Debt/Credit Management Education, as well as those clients before them who referred them, so that bad debt & credit never need to be an issue again; so that they can always be creditworthy. It is unfortunate that there are those who "claim" to "repair" credit, at a very high price [in the thousands], to wipe off something that can "reappear", and whose clients are now out of their money. Many times these individuals take consumer's hard-earned money and never do the job they claimed they would; this is a spirit of greed. It is alo a violation of the Credit Laws. No company may receive payment for "credit repair" until after the job has been completed, or they are in violation of the law and are subject to civil liabilities, if caught.
We want Clients to fully understand they are not receiving "Credit Repair Services" like others advertise, nor are Clients paying for our "Complimentary" Credit Restoration Services. This is a FREE service to Clients who are compliant with our Debt/Credit Management Educational program requirements.
Our program services have been referred to many seeking to become credit worthy, because our Credit Restoration Success. We are in a society that is quick-fix oriented, a microwave society, who has become "Credit Oriented". Many are looking for a quick fix credit service, pay a fee to delete their bad credit, which is actually illegal and would not do a Client any justice without educating them how to maintain their creditworthiness and provide them strategies how to prepare for unexpected financial occurances so that their families financial future is not at stake.
We are here to help you not only resolve your debt and credit issues, but to help you to obtain homeownership, protect your assets and family finances, and begin to enjoy the abundant life, God provided for each one of us through Christ. He said, "My people perish for the lack of knowledge...They don't know Me..." [My Will, Ways, and what I did to provide for them that they may have life and that life more abundantly] (Hosea 4:6; John 10:10).
2. TDMS Networker - Help someone else get out of debt and get paid for
doing it. Can you use $500 extra each month? Through our Networking
Referral Program, you can do just that. Simply attend a one (1) hour
training and orientation and complete our Networking Referral
Agreement to qualify. Refer 10 qualified clients each month and earn $50
4. Pre-Paid Legal Services Rep - Earn $100 per Client. There is a $49 Representative
Fee to sign-up, which also includes A starter kit. Sign-up.
5. First Vineyard Debt Card Program Participant - Earn $25 per person
who applies for debit card. Plus earn additional monthly income on group
spending. Call to get more information.
6. Home-Based Business - Through the home-based business strategies, we
can show you how to get a raise on your current job, as a W-2 Wage
Earner, without having to ask your boss for it.
AND MORE...
Income opportunities are abounding...
Home Study Course Options:
"Managing Your Credit and Finances For Success" (Including Biblical Principles) - Provides the knowledge and understanding from God's perspective [insight from "The Bible"], and reveals the principles for successful living and financial prosperity. There is always a reason for lack. Find out how the thief's influence is affecting your life, killing, stealing, and destroying your finances, family, and future, AND PUT A STOP TO IT! This workbook contains proven Biblical/Practical principles that will work for anyone who receives and applies them.
or you can choose
"Managing Your Credit and Finances For Success" Workbook: Provides basic budgeting information.
We must learn to hate debt before we can get rid of it. Anything we tolerate, we will maintain! If you tolerate debt, bad credit, poverty thinking, then you will do those things that will maintain that in your life. But if you decide to hate those things, and choose to change your thoughts, words and actions; applying the principles of abundance, then you will have abundance!
1. Paying only the minimum amount on your credit card
balances.
2. Finding that each month's credit card balance seems
higher.
3. Missing payments or paying bills late.
4. Frequently using checking account overdraft privileges or
bank cash card advance, or Check-N-to-Go or PayDay
Loans
5. Using credit, or dipping into savings, to pay routine bills.
7. Not talking to your spouse about money or talking only
about money.
8. Depending on overtime pay, bonuses to cover regular
expenses.
9. Depleting savings or having no savings cushion.
10. Taking out new loans to pay old ones.
If you said "Yes, that's me" to at least one, you need help!
TRINITY DEBT MANAGEMENT SERVICES
Our Purpose
Trinity Debt Management Services (TDMS) was created to provides
Income/Debt & Credit Management & Financial Services Education and Assistance to individuals and families.
After seeing the many case files of people who could not qualify for homeownership because of their debt and credit issues; where too many families are struggling in the settings of debt, bad credit, and family problems because they have been taught, conditioned, and seduced into debt bondage. TDMS is helping families to obtain the NEW "American Dream" of debt freedom. In addition, we are assisting families to qualify for home ownership; providing information and strategies whereby restructuring their financial situation that will terminate their bad debt years sooner, relieving them of debt bondage, whereby enhancing their creditworthiness, and financial freedom. We are providing a quality service that clients can trust.
We are not a "Credit Repair" Service, but a Firm that assists Clients with income, debt, and credit management and asset protection for successful living. We're looking to assist all who desire to have permanent resolution to their debt and credit issues.
PROGRAM PRESENTATION
"Where We Are Empowering Others to Prosper"
Consider Trinity
As a Debt/Credit Management & Financial Services Firm we are assisting Client's to get to the root of their bad debt & credit [through education and understanding the debt & credit system and how the lack of knowing how it works can enslave one into financial bondage]; also showing clients how to manage their finances for financial freedom & homeownership.
We do not just address the symptoms [negative credit].
We are looking to educate and assist individuals and families who wish to have permanent resolution to their debt and credit issues; by becoming debt free and
credit worthy, so that bad debt & credit never have to be an issue again. Showing Clients how to terminate their debt, so their hard-earned money can begin working hard for them.
The Myth Behind Credit
- Would it be to your advantage not to have a house payment?
- Would it be to your advantage not to have a car payment?
- Would it be great to have all your bills paid off?
- Would it be great to have the best interest rates available to
you?
- Would it be great to have the ability to shield your personal
assets from debt collectors?
- Would it be great to have money to save each and every
month?
What Do You Mean?
Well, you can't do all the above just by "fixing" your credit
A Modern American
Is a person who drives a bank financed car
over a bond-financed highway
on credit card gas
to open a charge account at a department store
so he can fill his savings and loan financed home
with installment purchased furniture.
Overview of Program Services
Through the following, we will assist you in becoming debt free and credity worhty:
*Only for Clients participating in one of our Debt/Credit Management Programs. Clients must comply with program guidelines and instructions in order to receive this "FREE" Service. This service addresses your erroneous negative information reporting on your credit profile through the three major credit bureaus legally. Client's with outstanding negative (unsecured) debts still oustanding would process these accounts through one of our Debt Negotiation/Settlement Programs.
133 Simple Steps To Help Cut Cost And
Spare The Family Budget
We provide you our e-book of 133 ways to reduce your Food, Utility, Insurance, Health Care, Transportation Expenses and More...FREE
93 Never Do's
We provide your our e-book 93 things Never To Do That Caused You To Get Into Debt In The First Place And Never Do It Again...FREE
Providing Biblical & Scriptural TRUTHS
about debt, credit, and financial matters.
Humanity is a failure everywhere. But when humanity is fulfilled with divine power [revelation knowledge and understanding from God our Creator, what He has said and purposed], there is no such thing as failure. God's Word [Our life manual revealed to us through Christ, by His Spirit] gives divine wisdom, instructions, and ability [power to do], to anyone who will seek Him, His Kingdom and who will apply the principles of that Kingdom , and by applying such principles, you can guarantee
your success.
Everyone has the FREE gift of choice and is encouraged to use that gift to make wise decisions that will enable them to enjoy life and have it more abundantly.
Trinity's Objectives:
Educate Indivduals and Families
Debt Elimination/Termination
Restore Credit
Wealth Creatopm
Protect Your Wealth
Preserve Your Wealth
Decrease Your Tax Liability
10 Danger Signals
Debt/Credit Management
Education Program
Debt/Credit Management Educational Workbook
"Managing Your Credit & Finances for Success"
Debt/Credit Management
Education Program
BEFORE
- In Debt
- Bad Credit
- Living from paycheck to paycheck.
- Little or No Investments
- Little or No Family/ Asset
Protection
- Creditor harassment
- Credit Denial
- Eventually frustrated
AFTER
- Informed you how to make wise
decisions
- Credit Worthy
- Family/Asset Protection
- Investments/Retirement
- On the Road to Financial
Independence
- YOUR DEBT FREE!
Biblical Principles: The Way to Financial Freedom
What God's purposes is ...
Expense Management
"PREPARING THE ROAD TO FINANCIAL FREEDOM"
Our Budget and Expense Management Worksheets/Analysis will:
- Help you to determine your income & spending habits
- Help us provide a plan [a road map] for your financial future.
It has been stated:
"Ignorance will cost you more than you are willing to pay"
"People don't plan to fail, but simply fail to plan
- How to Save 20% to 40% on your current Auto Insurance costs
- How to save 30% to 70% on your current Life Insurance costs
- How to plan for retirement.
- How to plan for your children's education.
- Various Insurance gimmicks & scams
- How to legally take advantage of the deductions allowed by Congress, whereby
cutting your income taxes by 50% - 80%.
Hightlights of Other Services
To make a difference in the lives of people by assisting as many individuals and families as possible to become Debt Free and Financially Independent, whereby providing consumers with the necessary tools and information needful in todays society to make wise financial decisions; whereby families can enjoy their lives together and fulfill their divine purpose.
Our Mission
Why Debt/Credit Management
Education?
Statistics show an epidemic regarding credit cards, installment debt [trillions in dollars] and bankruptcies [in CY 2007, totaled 822,590, up 38 percent from the 597,965 non-business bankruptcy filings in CY 2006].*
Many do not recognize that the root of their credit issues is the lack of self-discipline and Financial Knowledge and Management Skills: Knowledge of Financial/Tax Strategies, Management of Income, Management of Debt, and Management of Credit obtained.
Mismanagement of any of these areas result in credit problems. Credit problems are only the symptom of the "root cause." Therefore, Educating the consumer must be priority, if this epidemic is going to be stopped.
The Bankruptcy Laws have changed, making it more and more difficult for individuals to be released from their debts. Congress is making the American Consumer responsible for their obligations and making them go through a Debt Mangement program such as ours, instead.
One problem though still exists with this, many of the recommended programs are through Consumer Credit Counseling Service. Click hereto read who they are really working for.
Many people need to make more income to supplement what they are currently making on your jobs. We provide information on increasing your income.
Have You Worked on Your Own Credit?
Many people wonder why when they have paid off their delinquent debts [collections and charge-off items] why they still are reporting on their credit profile. This is the most disheartening question we hear. People assume that when they pay their debts they will be automatically deleted or removed from their credit profile and will cause their credit scores to increase. This is not so!
Answer: Since the accounts were paid before investigating your rights and disputing any erroneous negative information reporting [which is your legal right], you have lessened your chances to have those items removed because you paid them up front before utilizing your legal right and those strategies that could have very well deleted the item before you paid it. This does not mean you are not obligated to pay the debt, it just means you could have had it possibly removed and it would no longer report on your credit profile.
Before deciding what you should do about your particular situation, take a look at the different alternatives available to you and the results.
Utilizing a knowledgeable, reliable, result-producing, experienced "Third Party" can give you "peace of mind."
