Got this offer from a friend of mine for a Chase account for a 2 year old charged off account. Original balance was $39,617.52 and they were willing to settle for $3,961.76 which is basically a 90% discount AND they were willing to give him 4 months to pay it off meaning 4 installments of $990.44 Keep in mind the Statute Of Limitations on debt in the state where he’s from (NY) is only 3 years so that could have A-LOT to do with it. Remember what i said on my previous post, it’s not just about how much money you get from the banks, it’s about WHO you owe that money too 😉 Do you think Wells Fargo, American Express or TD bank would offer a similar discount? Doubt it.

Hey everyone 👋🏼 this is a chart i got directly from FICO employees over at CreditCon last year and i wanted to share it EXCLUSIVELY on NuLeaf Academy. I love this chart because it demystifies a HUGE credit myth that’s often talked about in the community. Look under the “Outstanding Debt” section. You’ll often see credit “gurus” talk about you have to keep your utilization under 30% Although TECHNICALLY they are correct, there is a better % that you can use to optimize for a higher score and that’s to have your utilization between a 1-5% Now you might be wondering why is 1% better than 0% ? Doesn’t debt make you a higher risk regardless. Well FICO is an algorithm that uses data to determine how likely you are to default on debt within the next 24 months, and having 0% doesn’t show them ANY data so they have nothing to work with. 1-5% utilization actually gives them enough data to make a calculation but the levels of debt aren’t high enough where you get dinged for being a risk. Any questions ? Drop them below fam 👇🏽

“The man who ask a question is a fool for a minute, the man who does not ask is a fool for life” Don’t ever be afraid to ask questions in the community. You never know who’s in the exact same situation as you but is too afraid to ask. Sometimes we have to be humble enough to accept that all the answers are not within, to this day I’m still seeking answers from people 10-20 years ahead of me and i don’t think I’ll ever stop. All questions are welcome 🫶🏼

Want to earn FREE credit repair for you or a friend? Here is the LAST way to earn it in 2024 Here’s how it works: Introducing The NuLeaf Academy Games ⚔️ where the ONLY way to win is to engage in the community 🏦 👍 Earn Points to Level Up: You gain points by receiving likes from OTHER members. 1 like = 1 point So engage in conversations, help others, share insights, and become active community members to level up faster. 📈 Level Up To Unlock Perks: Here are the 9 levels and what you will unlock after each level 😬 Level 1 (Credit Newbie) 🎓 - You'll have access to the "Credit Education" & "Fundamental Of Credit" Courses, Virtual Live Experience Recordings, and much more!! Level 2 (Credit Explorer) 👀 - You'll unlock access to the "Debt Resolution" Course where I will show you how debt works in this country and how to use that information to get a 30-80% discount on your debt. Level 3 (Credit Achiever) 🏋️ - You unlock access to the "Advanced Credit Disputing" course where I'll show you every dispute tactic available INCLUDING the exact methods that NuLeaf Financial uses to get clients LEGAL results. Level 4 (Credit Innovator) 🧪 - You unlock access To the "Advanced Credit Building" course where I'll show you how to build your credit from scratch and how to build on TOP of negative items. Level 5 (Credit Strategist) 🗺️ - A Free 30-minute personalized Credit Strategy Call where we review your credit report LINE BY LINE and come up with a personalized game plan to get you to your end credit end goal. Level 6 (Credit Leader) 🫡 - A Free 1-hour "Pick My Brain" session where NO questions are off limits. Want to learn how to travel for free? How do you get $100,000 in lines of credit? Or do you want to learn how to start your OWN credit management company? Ask away. Level 7 - (Credit Expert) 🚀 - Although we teach you how to settle your debt in the "Debt Resolution" course. Wouldn't it be AMAZING if an EXPERT with over 20 YEARS of experience negotiating debt could just negotiate for you?? When you get to this level NuLeaf Academy will cover the cost of hiring an expert debt negotiator, to negotiate your debt ON US.

Wow, it feels like a weight has been lifted off my shoulders to finally be able to share this with everybody. NuLeaf Academy Is a community with one goal in mind - To bring more transparency to the credit repair industry 💳 To do this we will be showing you the EXACT strategies we use to fix hundreds of clients credit reports over the years. ALL FOR FREE. Why? Because the current "norm" is you pay someone in the credit repair space a TON of money and you have to hope & pray that they are doing things the right way. THIS STOPS TODAY we will show you the exact strategies that we use to get consistent results for our clients. but I can't do this alone, unfortunately. A community can't just be one person talking into the abyss. So for this community to be a success we need to engage with each other 🤝 P.S - To make sure you get the MOST out of this community make sure to download the "Skool" app Can't wait to see where we take this. Together.