I'm super proud of you for taking the first step to change your life for the better! That's AMAZING!
Please watch the video, Tons of great stuff!
A personal note from Joann Alexandra, Founder and Creator of Credit Brilliance Services...
I know what it feels like to be a situation where no matter what you do, you can never seen to come out of debt.. Or even after planning and saving, trying to come to terms the debt collectors.. The harassing phone calls just keep coming. The past due statements continue coming in the mail.. I know what it's like to walk into a car dealership and falling hard in love with car I had always wanted, knowing I can afford it, but can't get a loan. Just decline after decline.
That's why I started this, because I dug myself out of the hole that I had already created. So I know what it's like to be in that situation. And I want to be able to help you get out of that too!
And be able to provide a service that's 100% transparent, and 100% honest! But most importantly, affordable! SEE RESULTS IN LESS THAN 30 DAYS!
If you have ever been told thing like...
➡ "I'm sorry, but the bank can't approve you."
➡ "You have to many past due account's for this loan."
➡ "Try paying off some of these old debts before applying for a home"
➡ "I'm sorry, but the bank can't approve you."
➡ "You have to many past due account's for this loan."
➡ "Try paying off some of these old debts before applying for a home"
Then this program could be the exact thing you've been looking for.. We have helped countless customers here in New Jersey, and surrounding area's. We know we can help you too!
It's $1 first 7days,that’s right $1 to start then $99 a month for this limited time offer!
All backed by our 180 day money back guarantee!
SEE RESULTS IN 30 DAYS!
All backed by our 180 day money back guarantee!
SEE RESULTS IN 30 DAYS!
What is your 180 day money back Guarantee?
You are entitled to a refund on all monthly payments if:
- You do not remove any of the negatives worked on.
- You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
You are entitled to a refund on all monthly payments if:
- You do not remove any of the negatives worked on.
- You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
Who am I?
|
Hey, my name is Joann. I am the President and Co-Founder of Credit Brilliance Credit Repair. I’ve been in the financial services industry for the past 10 years I started my career working at high performance brokerage firms such as Merrill Lynch/Bank Of America working with tax and compliance for high net worth individuals during the 2008 recession.
After leaving the firm, I went on to work for the Public Sector in the State Economic Development Department as a Compliance Officer Helping America’s Small Businesses obtain funding for working capital after natural disasters. From there I went to worked in the Mortgage Industry in Both Clients Services and Default. I’ve seen families have it all and have seen families lose it all. In 2018 with the purpose to promote financial literacy and help 1000 people purchase their first home, we opened Credit Brilliance Credit Repair. I built the highest-rated credit repair company in the area following the blueprint I made when my credit score dropped to 474 after leaving a toxic relationship. That's why I started this, because I dug myself out of the hole that I had already created. This same blueprint brought me, my friends, my family, and over 700 customers into the 700 credit score club. It can for you too!! |
Don't just take my word for it, Here's some reviews from our AMAZING customers!
9 Easy benefits of having good credit!
↪ Low Interest Rates on Credit Cards and Loans
The interest rate is one of the costs you pay for borrowing money and, often, the interest rate you get is directly tied to your credit score. If you have a good credit score, you’ll almost always qualify for the best interest rates, and you’ll pay lower finance charges on credit card balances and loans. The less money you pay in interest, the faster you'll pay off the debt and the more money you have for other expenses.
↪ Better Chance for Credit Card and Loan Approval
Borrowers with a poor credit history typically avoid applying for a new credit card or loan because they've been turned down previously. Having an excellent credit score doesn’t guarantee approval, because lenders still consider other factors such as your income and debt. However, a good credit score increases your chances of being approved for new credit. In other words, you can apply for a loan or credit card with confidence.
↪ More Negotiating Power
A good credit score gives you leverage to negotiate a lower interest rate on a credit card or a new loan. If you need more bargaining power, you can take advantage of other attractive offers that you’ve received from other companies based on your credit score. However, if you have a low credit score, creditors are unlikely to budge on loan terms, and you won't have other credit offers or options.
↪ Get Approved for Higher Limits
Your borrowing capacity is based on your income and your credit score. One of the benefits of having a good credit score is that banks are willing to let you borrow more money because you’ve demonstrated that you pay back what you borrow on time. You may still get approved for some loans with a bad credit score, but the amount will be more limited.
↪ Easier Approval for Rental Houses and Apartments
More landlords are using credit scores as part of their tenant screening process. A bad credit score, especially if it’s caused by a previous eviction or outstanding rental balance, can severely damage your chances of getting into an apartment. A good credit score saves you the time and hassle of finding a landlord that will approve renters with damaged credit.
↪ Better Car Insurance Rates
Add auto insurers to the list of companies that will use a bad credit score against you. Insurance companies use information from your credit report and insurance history to develop your insurance risk score, so they often penalize people who have low credit scores with higher insurance premiums. With a good credit score, you’ll typically pay less for insurance than similar applicants with lower credit scores.
↪ Get a Cell Phone on Contract With No Security Deposit.
Another drawback of having a bad credit score is that cell phone service providers may not give you a contract. Instead, you’ll have to choose one of those pay-as-you-go plans that have more expensive phones. At the least, you might have to pay extra on your contract until you've established yourself with the provider. People with good credit avoid paying a security deposit and may receive a discounted purchase price on the latest phones by signing a contract.
↪ Avoid Security Deposits on Utilities
These deposits are sometimes $100 to $200 and a huge inconvenience when you’re relocating. You may not be planning to move soon, but a natural disaster or an unforeseen circumstance could change your plans. A good credit score means you won’t have to pay a security deposit when you establish utility service in your name or transfer service to another location.
↪ Bragging Rights
Because of all the benefits, a good credit score is something to be proud of, especially if you've had to work hard to take your credit score from bad to good. And if you've never had to experience a bad credit score, keep doing what it takes to maintain your good score. It only takes a few missed payments to start getting off track.
The interest rate is one of the costs you pay for borrowing money and, often, the interest rate you get is directly tied to your credit score. If you have a good credit score, you’ll almost always qualify for the best interest rates, and you’ll pay lower finance charges on credit card balances and loans. The less money you pay in interest, the faster you'll pay off the debt and the more money you have for other expenses.
↪ Better Chance for Credit Card and Loan Approval
Borrowers with a poor credit history typically avoid applying for a new credit card or loan because they've been turned down previously. Having an excellent credit score doesn’t guarantee approval, because lenders still consider other factors such as your income and debt. However, a good credit score increases your chances of being approved for new credit. In other words, you can apply for a loan or credit card with confidence.
↪ More Negotiating Power
A good credit score gives you leverage to negotiate a lower interest rate on a credit card or a new loan. If you need more bargaining power, you can take advantage of other attractive offers that you’ve received from other companies based on your credit score. However, if you have a low credit score, creditors are unlikely to budge on loan terms, and you won't have other credit offers or options.
↪ Get Approved for Higher Limits
Your borrowing capacity is based on your income and your credit score. One of the benefits of having a good credit score is that banks are willing to let you borrow more money because you’ve demonstrated that you pay back what you borrow on time. You may still get approved for some loans with a bad credit score, but the amount will be more limited.
↪ Easier Approval for Rental Houses and Apartments
More landlords are using credit scores as part of their tenant screening process. A bad credit score, especially if it’s caused by a previous eviction or outstanding rental balance, can severely damage your chances of getting into an apartment. A good credit score saves you the time and hassle of finding a landlord that will approve renters with damaged credit.
↪ Better Car Insurance Rates
Add auto insurers to the list of companies that will use a bad credit score against you. Insurance companies use information from your credit report and insurance history to develop your insurance risk score, so they often penalize people who have low credit scores with higher insurance premiums. With a good credit score, you’ll typically pay less for insurance than similar applicants with lower credit scores.
↪ Get a Cell Phone on Contract With No Security Deposit.
Another drawback of having a bad credit score is that cell phone service providers may not give you a contract. Instead, you’ll have to choose one of those pay-as-you-go plans that have more expensive phones. At the least, you might have to pay extra on your contract until you've established yourself with the provider. People with good credit avoid paying a security deposit and may receive a discounted purchase price on the latest phones by signing a contract.
↪ Avoid Security Deposits on Utilities
These deposits are sometimes $100 to $200 and a huge inconvenience when you’re relocating. You may not be planning to move soon, but a natural disaster or an unforeseen circumstance could change your plans. A good credit score means you won’t have to pay a security deposit when you establish utility service in your name or transfer service to another location.
↪ Bragging Rights
Because of all the benefits, a good credit score is something to be proud of, especially if you've had to work hard to take your credit score from bad to good. And if you've never had to experience a bad credit score, keep doing what it takes to maintain your good score. It only takes a few missed payments to start getting off track.
