How Do I Clean My Credit? – Real Estate Investing
Having clean credit can be pretty handy. Here are some techniques you can use to make that happen quickly.
BUT – please keep in mind. You do NOT have to have ANY credit to buy investment properties if you use my zero down, no credit techniques.
Two Day Buying Event
How To Put Deals Together Without Making A Call
I am going to teach you how to use a 100% automated system to buy and sell property.
I taught this brand new information for the first time at my last Two Day Buying Event. Although it’s been working amazingly well in it’s current version, this new upgrade and major overhaul changes everything and automates the entire process of working with Buyers and Sellers.
When you use this new system, you will:
> NEVER have to make a phone call
> NEVER have to talk to a Seller
> NEVER have to talk to a Buyer
> NEVER do any of the work yourself – outsource it all for pennies
> NEVER spend a dime on down payments
> NEVER need or use your credit
Once it’s set up, the daily work is done for you.
It is the closest thing I’ve ever created to a money machine. I know that sounds like hype, but I’m not feeding you a line here – this is the real deal.
Here is how it works:
1. You hire a freelance virtual assistant (VA) on elance or odesk. They are going to cost about $50 a week. You will use the ad I give you to post so all you have to do is copy and paste it in. It’s free to post on these services, by the way.
2. You give the VA the instructions on how to do the job. You don’t need to write these, I already have them written out for you. They come with a short series of 5 minute or less, online videos where I walk them through the simple process. They actually see my screen as I walk them through it and hear me tell them where they need to click and what they need to do. You can do this work yourself, by the way, if you can’t afford the VA – it’s not difficult. I made this training so easy that someone who only has a rudimentary grasp of English can do this work.
3. When they use the software I give them, they scrape powerful, motivated seller leads from several websites. The software does the heavy lifting and gives them anywhere from 100 to 800 new leads per WEEK to email – it’s a never ending new source of sellers and they are free to gather and free to email. And these are B2B leads for you Internet marketers out there, so emailing them is NOT spam.
4. After they send out the email, the Seller responses come in. The VA plugs them into our autoresponder and they all start getting a sequence of emails that drive them to our Seller website. A small percentage of them will read the site and fill out the online form. They will also fill out the online Lease Option Memo and give you control of their property. They do this WITHOUT talking to you! I’m not joking. Some of them will get your email, but do nothing – our autoresponder will continue to send them emails FOREVER until they sign up or unsubscribe or die. It’s amazing how many deals come in with this system months after we first contact them.
5. Once you have the deal and control the property, you need to hire a Realtor to sell the property for you. You don’t pay them, they get paid ONLY if they sell your properties and they are very reasonable. I give you the ad that we use to hire a real estate agent using craigslist. It’s an amazing ad and breaks down for them the job and what they will get paid for doing it. We get lots of responses who are ready to go, every time we run this ad in every city we’ve tried it.
6. The real estate agent is going to put YOUR sign in the yard (cost $3 dollars), take some digital pictures (their camera) and put their lockbox on the door. They are also going to contact the Seller by phone and pick up the key and introduce themselves.
7. You VA is going to post your property for sale using the online sites we tell them to use. Again, I have written this process all out for them and created videos to explain it, so there is no guesswork.
8. The Realtor is going to show the property (with their gas), work with the Buyers, get the contracts signed and collect the checks (which they deposit into YOUR account). You are going to control ALL of the leads that come in for these properties. There is an entire system with two different business web sites that I’ve created just for BUYERS and we will set it up for you. They will allow your VA to keep the Buyer leads coming in. You always want to keep control of your Buyer and Seller leads by the way – this system makes that possible without you having to mess with them yourself.
That’s it – once it’s set up and working, it will start making you money. It has worked in every market we’ve ever tested it. And if for some reason it doesn’t work for you in one area (not likely), you can always try it in another area or even MULTIPLE areas. Yes – it’s scalable! You can do this NATIONWIDE - even worldwide if you like.
Are you blown away yet?
Have you ever heard of a business system that did so much of the work for you from DAY ONE?
If this isn’t getting your juices flowing, you have no business being a real estate investor.
There is NOTHING like this system ANYWHERE in the world. Companies spend millions of dollars to create systems like this. I had to try hundreds of different techniques before I found the right combination of automated activities, software and processes to make this work.
And you can do it from ANYWHERE.
You can sit on the beach and manage this entire system with nothing but your laptop and an internet connection. You can do it in 8 to 10 hours a week… often less.
And here is the part that is going to make it irresistible.
If it doesn’t work, you don’t have to pay me a dime. I mean it. I guarantee 100% that it will work if you do it the way I teach it.
I am ONLY going to give this system to the people who come to my Two Day Buying Event here in Indianapolis, Indiana. You MUST be there to get this system.
I’m going to invite all my past Six Month Personal Mentor Program students to this event for FREE. If you are a past or current mentor student and you want to come, you MUST reserve a spot (they are limited) – send me an email and I’ll get you the hotel details.
If you are not yet a member of my Six Month Mentor Program, you can sign up. I’ll put some links below that explain the program and the other things that are included. It’s NOT a cheap program, but there are some discounts if you qualify and a payment plan available (see the link below).
But it cost PENNIES compared to buying a business. And if you compare it to getting a college education, it’s WAY faster and WAY cheaper.
Perhaps the biggest benefit to this program is that you have ME there to help. I don’t pawn you off to some inexperienced underling – you get to speak with me personally on my conference calls, you get to meet with me personally at the events and you get access to me by email and fax.
When the student is ready, the teacher will come.
You need to ask yourself if you are ready to make a change in your life. Are you ready to take control of your future and stop saying with a wistful voice “Someday I’ll make a change.”
I’m going to put some links below that will explain the Mentor program, what it costs and what is included. I will also give you a video interview with me where I talk about the techniques I teach in this program. AND I will give you a video of what we do at the Buying Event (these are methods and systems in ADDITION to what I’m talking about above).
If you are already a mentor student or have been one in the past and you want to come, just send me an email. I’ll put you on the list. Again – there is no charge for you to attend.
If you want to sign up – don’t wait till the event to do so – you can get started RIGHT now – today. The more you learn before you come, the more you will get from the event. I’ll teach you how to make real offers on property without using money or credit on the FIRST day in the program. It’s phenomenal.
You can also bring your spouse or business partner for no extra charge.
If you are interested in signing up, call me. I want to talk to you personally and ask you a few questions to make sure you are right for the program. If you have questions that aren’t answered on the links below, feel free to call me – but please only do this if you are serious and have the resources to come. I do not allow anyone to do this program on “spec.” It would be unfair to my other students and not a good business model for me.
I wish you all the best of all good things. I hope to meet you soon.
For More FREE Information
About What I Teach
Part One: A written letter from Joe that tells all about the Partner Program, the Six Month Mentor Program and the Two Day Buying Events. This is everything you need to know about this program, what it includes, how you can work personally with Joe, how it can get you started very quickly as a real estate investor and why Joe guarantees it 100%.
Part Two: My Business Blueprint. I recorded these 7 videos for the folks on my newsletter list. It will teach you how my business is structured and exactly how I’ve been able to build a multi-million dollar business in real estate investing and work less than 10 hours a week. It doesn’t talk about the partner program very much, but it will give you an idea of what you would learn if you partnered with me.
Part Three: This is a recorded audio seminar titled, “4 NEW Methods For Investing In Real Estate That You Have Never Heard Before.” It runs 1 hour and 18 minutes and is filled with usable, practical techniques for investing in real estate with zero down payment and no credit.
Part Four: Video Interviews with Joe’s Partner/Students. There are several hours of hard hitting interviews with Joe’s students if you follow this link. These students tell you exactly what works for them and what you can expect if you get involved.
Part Five: Joe’s Bio. Here is who I am, where I came from and how I got here.
If You Don’t Think You Can Afford My Program
But Would Really Like To Get Involved,
Listen To This Audio
If you would like to sign up for the Six Month Mentor Program…
just give me a call and I’ll get you going. Make sure you read the web page about the program before you call so you understand how it works. If you still have questions after you read the web page, feel free to give me a call. My direct line is 317-598-1220. Please don’t call unless you are serious about this opportunity and are in a position to afford it.
Joe: Hey, it’s Joe Crump. I’ve got another question here. This one is from Dotty Fahn. Dotty says, “Joe, my question is how do I get my credit together, what should be paid first, and what’s a good credit score?”
Joe: First of all, if you go to cleanyourcredit.com, I sell a book on how to clean your credit up. Essentially it’s just a method of disputing bad items on your credit report. The only way that your credit will ever get cleaned up, even using these techniques, is if you start making your payments on time, so if you’re continuing to make your payments late, then your credit’s just going to get screwed up again no matter what you do to clean it up. If you want to get your credit cleaned up, focus on making your payments on time and working out some kind of payment arrangement with the creditors that you have. In some cases it makes sense to file bankruptcy and start over and get a fresh start if you know that you’ll never be able to catch up because at least then, you know that you’re 10 years away from having clean credit and you can do it sooner sometimes. Or, just letting everything go and not paying it, and sometimes you can pull that off too and still get those things off of your credit.
Joe: If you’re not making credit card payments and your credit is trashed, and you stop all of that and you don’t have any other assets that they can attach to, filing bankruptcy sometimes is a problem because it takes 10 year to get a bankruptcy off of your credit report, whereas it may only take a couple years or a year or at the most or 7 years to get a bad credit card off of your account, so it sometimes make more sense to wait. And talk to a bankruptcy attorney (although they make money by having you go through bankruptcy so they may not be the best one to talk to) but look at those options as well.
Joe: As far as getting your credit clean, after you’ve been through the bankruptcy or you’ve just got some negatives on your credit or those types of things, focus on the things that matter. If you have a late mortgage and you have a late credit card and you go out and try to get a mortgage, it’s a lot harder to get a mortgage if you’ve been late on it. If you’ve been late on a credit card one time and you’ve never been late on a mortgage then it’s easier to get a mortgage. Although, these days it’s hard to get a mortgage with any kind of credit – you have to have well over a 700 credit score to make that happen.
Joe: Get your credit score online. Go online and just type in ‘free credit report.’ And I would pay for a service, like a monthly service, maybe 10 or 15 bucks a month. You can have access to all three of your credit reports. You can even dispute them online, although sometimes it makes sense to dispute them through the mail as well. And I have techniques to do that in that book that I told you about. So that hopefully will give you an idea.
Joe: One thing you need to keep in mind – you don’t need good credit to be a real estate investor. Most of, well, I’m not saying most – but many of the people that have been in my program have had bad credit. When I started buying rent to buy, it was after my big crash. I don’t know if you’ve read my story or not. If you haven’t, go to the website that shows you all about my experience in California back in 1991 and 1992 when everything crashed for me and I lost a 17 million dollar business. That trashed my credit. And I had to learn how to do this with no money, with no credit, and that’s where all of these techniques came from. And I built on them over the years to create the program that I’ve created today and to build a portfolio and to come back and to be stronger than before.
Joe: So hopefully that helps. Thanks.