about me

Princess Dior is a driven and accomplished serial entrepreneur who

is passionate about teaching financial literacy to the community.

After spending six years in corporate America, Princess was laid off
during the pandemic. However, this setback only fueled her
determination to succeed as an entrepreneur. In just 60 days, she
generated an impressive$100k in online sales, setting the stage for
her future success.

Over the years, Princess has helped more than 100 people repair
their credit and achieve a 700 credit score. She has also provided
invaluable guidance to business owners on how to secure over
$100k in business funding and invest in recession-proof ventures.

Through her mentorship program, Princess leverages her extensive

expertise to motivate, educate, and inspire others to start 6-7 figure
businesses. Her commitment to empowering others is unmatched,
and her unwavering dedication to her community is truly inspiring.
Disclaimer for Educational Purposes Only
The information provided in this eBook, titled [Your eBook Title], is for educational
purposes only and is not intended as financial, legal, or professional advice. While the
author and publisher have made every effort to ensure that the information was correct at
the time of publication, neither the author nor the publisher assumes any responsibility
for errors, omissions, or contrary interpretations of the subject matter herein.

This eBook is provided with the understanding that the publisher and author are not
engaged in rendering legal, financial, or other professional services. If expert assistance or
counseling is needed, the services of a competent professional should be sought.
The reader is encouraged to consult with a professional financial advisor before making
any decision based on the information found in this eBook. The author and publisher do
not guarantee the accuracy of the information, and it should not be relied upon as an
alternative to financial advice from a licensed professional.

The strategies and tips mentioned in this eBook are subject to variable economic
conditions and may not be appropriate for all individuals or situations. The author and
publisher expressly disclaim any liability, loss, or risk, personal or otherwise, which is
incurred as a consequence, directly or indirectly, of the use and application of any
contents of this eBook.

This eBook is not intended for use as a source of legal, business, accounting, or financial
advice. All readers are advised to seek services of competent professionals in the legal,
business, accounting, and finance fields.
By reading this eBook, you agree that the author and publisher are not responsible for the
success or failure of your business decisions relating to any information presented in this
eBook.
.
table of contents

01
Credit Pofile

02
90 day Removal Strategy

03
Primary and Tradelines

04
Metro 2 system

05
Testomonials and Resources
chapter
01
Repairing your credit is crucial for several reasons. Firstly, a
good credit score can significantly lower interest rates on loans
and credit cards, saving you money. Secondly, it improves your
chances of being approved for financial products, like
mortgages or car loans. Thirdly, a healthy credit score can
influence landlords' decisions, making it easier to rent a house
or apartment. Finally, in some cases, employers check credit
scores during the hiring process, so a good score can even
impact your job opportunities.

The three credit bureaus that report negative and postive

accounts:
Experian : P.O. Box 4500, Allen, TX 75013

Transunion : P.O. Box 2000, Chester, PA 19016-2000

Equifax : P.O. Box 740256, Atlanta, GA 30374-0256.

 Credit Report
Credit bureaus such as TransUnion, Equifax, and Experian
electronically receive updates about your credit card and loan
accounts, including credit inquiries, approximately every 30
days from lenders and creditors. These bureaus compile and
maintain your credit history in a profile, enabling future
reviews of your financial behavior to assess your risk level.
Credit scores, which range from 300 to 850, reflect your
creditworthiness. Generally, a score of 700 or higher is
considered good, while a score above 800 is deemed excellent.
Most individuals have credit scores between 600 and 750, with
higher scores indicating more responsible credit management
and increasing lender confidence in your ability to repay future
debts as agreed.
 Credit Profile

In understanding your FICO score, it's crucial to recognize the various components
that collectively determine your creditworthiness. Firstly, there's the Payment
History, which is the most significant factor, accounting for about 35% of your
score. This segment reflects your punctuality and consistency in paying off debts,
including credit cards, loans, and other bills. Next is Amounts Owed, contributing
to 30% of the score; this evaluates the proportion of credit used to the total credit
available, gauging your dependency on credit.

The Length of Credit History, making up 15%, considers the duration of your active
credit accounts, with a longer history typically suggesting greater reliability. New
Credit, constituting 10%, examines the frequency and number of recently opened
accounts, as well as recent credit inquiries, with excessive new credit potentially
signaling risk. Lastly, Types of Credit in Use, also 10%, assesses the diversity of your
credit portfolio, including credit cards, retail accounts, installment loans, finance
company accounts, and mortgages. A blend of different types of credit can
positively impact your score, indicating your ability to manage various credit
products responsibly. Together, these elements provide a comprehensive overview
of your financial behavior, influencing lenders' decisions and your access to credit.
 Credit Profile

Your credit profile should have these following accounts below to help you
achieve a 700 credit score
1. Revolving Accounts: Revolving accounts are a type of credit account that allows you to
borrow up to a certain limit and pay back the borrowed funds over time while being able to
borrow again. A credit card is a classic example. With a revolving account, the credit limit
remains constant, but the balance and the minimum payment can vary based on how much
you spend and repay. It's like having continuous access to funds up to your credit limit, as
long as the account is in good standing. Revolving accounts are valuable for demonstrating
how you manage variable payments and balances, which can significantly impact your credit
score.

2.Installment Accounts: Installment accounts refer to a credit arrangement where you borrow a
fixed amount of money and agree to repay it in equal, regular payments over a specified period.
Common examples include mortgages, car loans, and personal loans. Unlike revolving accounts,
installment accounts have a set end date and a clear amortization schedule. Each payment
typically includes a portion of the principal amount borrowed and interest. These accounts can
positively influence your credit score by demonstrating consistent, timely repayments over time.

3.Open Accounts: Open accounts are a less common type of credit account. They require the full
balance to be paid at the end of each billing period. Utility accounts and some types of charge
cards fall under this category. With open accounts, there's no predetermined limit or fixed
payment amount. Instead, the balance fluctuates based on usage or charges incurred during the
billing cycle. These accounts can also contribute to your credit profile, as they showcase your
ability to pay off your debts in full and on time each month.
Each type of account plays a distinct role in your financial portfolio and credit history.
Understanding the differences can help you manage them effectively, contributing positively to
your overall credit health.
chapter
02
90 Day Removal Strategy
1. Get your credit report from identity IQ so you can see whats
inaccurate. You need to look at the summary and see how many
collections, late payments, inquires and derogatory marks you
have. Click the link below.

Looking at this account iI marked in red all the inaccuracy

like the different account numbers, the high limits aren’t
the same across each credit bureaus . FCRA says if the
report isnt showing the same information across all three
credit bureas the account must be deleted. I like to screen
shot the account I am disputing and mark all the inaccurate
accounts in red for faster deletions
 Dispute Process

1. Send out personal information removal letter and if you want to free
secondary bureaus : Lexus Nexis, Corlogic , ARS, Clarity Service,
Innovis, Sage stream.
2. Send out 1st round or any round 100% Accuracy and reinvestigation
law letter and make sure you match your negative accounts the
correct dispute reasons. I will provide you a list of dispute reasons to
add .
3. Make sure you add ID, Utility Bill and SSN card to your dispute . If
you don’t have a SSN card its ok
4. To make the process faster you can do CFPB Complaint, BBB,
Attorney General Complaint, and FTC report
5. You can also send out debt validation letter to the actual creditor.
when you send this letter out just add your account number no ID,
utiltity bill or ssn card
6. Wait 35 days after you send it and see whats been removed.
7. Round 2 send method of verification letter if stuff come back or
demand to comply letter if they send out a stall letter or don’t reply to
your investigation
8. Send out letter certified mail
9. Any letter I give you re write it put it in spin bot and put some mis
spelled named on it and circle stuff in red ink so a real person can look
at it .
 Bankruptcy

Send letter to the courts asking if they report the bankruptcy

to credit bureaus. Which they don't .
Send a letter to Lexis Nexis about your privacy rights
Send a letter to the credit bureaus letting them know courts
don' report BK's and they are violating your privacy. if you
have to take legal action you have all the paper work to sue.
if the credit bureaus verify the BK go ahead and do a CFPB
complaint and upload your proof when you get a deletion
letter from LexisNexis.

Data miners like (Lexisnexis) and Pacer) report your bankruptcy

after it gets filed in court by your attorney. The credit reporting
agencies grab it from Lexisnexis. These companies are getting
paid to report your information. Your credit report will say the
the furnisher of the information is the bankruptcy court but the
courts don't report to anybody after it's filed. Your credit report
is going to say US bankruptcy court, federal, or Us court and the
state you are in.
 24 Hour Inquiry Script

When you get on the phone with the customer representative,

you are going to say that you noticed unauthorized inquiries
on your report or you noticed someone applied for something
in your name.

You can also let them know you did research on the FCRA (Fair
Credit Reporting), and that legally these unverified and
unauthorized items must be removed.

They are going to ask you what accounts you want to dispute.
List all accounts that are not attached to your open or closed
accounts.

If they ask you about submitting a FTC/Police report for these

accounts, say you already did.

If they ask if you have contacted the original creditors, say

you have already did.

They may place you on hold, DO NOT PANIC! When they come
back they should say they will investigate and it may take up
to 30 days to complete the investigation. However, the
following business day, all of the inquires you asked to get
deleted should be deleted. Equifax may take longer, but max 48
hours.
 Dispute Reasons

When an item is reinserted after it was deleted

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of
information to consumer reporting agencies- (3) you failed to
notate this account was in dispute within 30 days now this
account in violation

Latepayment

Under 15 USC 1666B this is a billing error always paid as

agreed on time this is an error this account in violation
If they ask if you have contacted the original creditors, say you
have already did.
Charge offs and repos
Under 15 U.S.C. 1681i (7) Method of verification this account is
in violation it was reported without valid evidence

Under 15 U.S. Code 1681a(2)(B) Exclusions from a consumer

Report This account is in violation any credit transaction
supposed to be excluded from a consumer credit report. if a
social security card was used in the transaction.
Collections and Medical Reasons
Under penalty of perjury, I swear this account is false and
misleading

Under 15 U.S. Code 1692d-Harassment and abuse have been

harassed and have trauma this account in violation.

Under 15 US Code 1681a (3) this medical collection is in

violation and can’t be on my credit report
 FCRA

Understanding the Fair Credit Reporting Act

(FCRA) is crucial for anyone involved in
credit repair, as it plays a fundamental role in
safeguarding consumers' rights in the realm
of credit reporting. The FCRA is designed to
ensure accuracy, fairness, and privacy in the
collection and utilization of credit
information. By comprehensively studying
this law, one can better comprehend how
credit reporting agencies operate, the rights
consumers have regarding their credit
information, and the legal avenues available
for disputing inaccuracies on credit reports.
This knowledge is not only essential for
effective credit repair but also empowers
individuals to protect their financial well-
being and to challenge any unfair or
inaccurate credit reporting practices. In
essence, the FCRA is a key tool in the
maintenance of a fair and accurate credit
system, which is essential for consumer trust
and the overall health of the credit industry.
Look up Cornell Law and insert the dispute
reasons i give you with 15 USC on them to
better understand what they mean
chapter
03
Primary Accounts
Adding primary accounts to your credit profile during the credit repair process is a strategic
move of significant importance. These accounts, which are directly in your name, play a
pivotal role in demonstrating your financial responsibility and creditworthiness to lenders
and credit bureaus. Unlike authorized user accounts, primary accounts offer a more
accurate reflection of your personal credit management skills. By maintaining these
accounts with timely payments and keeping balances low, you can positively influence your
credit score. This is particularly beneficial during credit repair, as it helps in building a
strong credit history, offsetting past negative entries. Essentially, primary accounts are a
powerful tool in re-establishing a solid credit foundation, which is vital for future financial
opportunities like obtaining loans with favorable terms or lower interest rates. Therefore,
integrating and managing primary accounts wisely is a key aspect of a successful credit
repair strategy.

Accounts to add : Tomo, Credit strong, Kick off , Navy Federal Pledge loan, Discover It
secured card $1k-2k limit
This strategy will help your credit boost 50-100 points

Click the box below for the rest of the primary accounts to add. You should add at least 5

Primary Accounts Folder

 Trade lines

What is a Tradeline ?
Tradelines are accounts listed on your credit report, including credit cards,
mortgages, car loans, and other forms of credit. They play a crucial role in
establishing a credit history, as each tradeline records the account's status, credit
limit, payment history, and the length of time it has been open. These factors
significantly influence your credit score. By adding positive tradelines, such as a
credit card with a long history of on-time payments and a low balance, you can
improve your credit profile. For example, if you become an authorized user on a
family member's credit card that has been in good standing for several years, this
tradeline can be added to your credit report. It will reflect the account's positive
payment history, potentially boosting your credit score. Essentially, tradelines can
be a powerful tool for enhancing your creditworthiness, especially if your own
credit history is limited or needs improvement.

Where can I get a Tradeline ?

You can go to a site called Tradeline supply and buy credit cards or you can email our
team [email protected] for our list and special prices . I like to add two
tradeline with at least 8 years or more history with $15k+ limit

Google tradeline supply calculator to see which tradelines you need to add for age .
chapter
04
Metro 2 Consumar Law

Metro 2 compliance is a method used in the credit reporting industry to standardize the way
credit information is reported to the major credit bureaus. It refers to the format developed
by the Consumer Data Industry Association (CDIA) for reporting consumer credit
information. When a dispute is filed under Metro 2 compliance, it prompts the e-OSCAR
system (Electronic Online Solution for Complete and Accurate Reporting) to verify whether
the items on a consumer's credit report meet the set standards of reporting accuracy and
completeness.

For example, suppose you have a negative account on your credit report that you believe is
inaccurately reported. By filing a Metro 2 compliance dispute, you are not just challenging
the factual nature of the account but are also questioning whether the account meets the
necessary standards to be reported at all. This process can be more effective than traditional
disputing methods because it focuses on the legal and procedural aspects of credit
reporting, rather than just the accuracy of the specific credit information.

When a Metro 2 compliance dispute is raised, e-OSCAR system is triggered to review the
account in question. If the account does not meet the compliance standards—for instance, if
it lacks proper documentation or fails to adhere to the reporting guidelines—it may lead to a
faster removal of the negative account from your credit report. This approach works in
favor of the consumer, leveraging the stringent requirements of Metro 2 compliance to
ensure fair and accurate credit reporting.
 Metro 2 System

My credit company uses a system called Metro 2. This system has helped
my company graduate alot of students to 700 credit scores. Here is the
link to sign up https://disputepanda.com/partner/powercircle/ . Yes its
free to sign up . They have free attacks you can use and paid attacks. My
credit dispute specialist have been using the free attacks and getting
stuff removed.

Sign up for the metro 2 system and get to work !!!

There are trainings in the system for you to take advantage of

 Metro 2 System

Here is an example of letters you can use to dispute your negative accounts.

Once you start getting results you can start a credit repair business and start making
$5k-$10k a month with this system and hiring a Virtual assistant for $500-700 a
month to help you.
chapter
05
Testimonials and Resources

My team can build out a business in a box for

credit repair, business funding, realestate, and
other businesses and help you get leads and hire a
virtual assistant
Testimonials
 Resources

Here is the link for letters and dipsute reasons. Make sure you do not
send the same template change up the wording . If you have questions
email [email protected]

Letter Drive

Debt Lettes Drive

Dipsute Reasons
 Resources

If you want our team to help you get business funding in 14-30
days $100k- million click link and schedule a call with my team

Join my business and credit community today

If you want to get coached by me on on one for 90 days to help

you start a business or scale your current business and get
funding click the link

If you need credit fix click the link we will help you get in the
strong 700s