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Credit Xpert

If you had one phone call to make before you died, who would you call, what would you say, and why a

About Me

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Marco Martin is a Certified Credit and Financial Advisor that began his own practice on August of 2003 in Bakersfield, CA. Now he runs a second office in Burbank, CA to better assist his clients through out Southern California. He has managed to improve by 99% the credit profiles of 2178 clients making his firm Credit Education 101 Service, Inc. one of the most reputable credit restoration and identity theft resolution firms in California.
If you’ve been a casualty of credit problems due to late payments, collections, charge-off’s, repossessions, bankruptcies, foreclosures, etc. you need to read the following information. It could prove to be the most important and beneficial summary you’ve ever read.
This information could literally change your life. There are legal and ethical ways to boost your CREDIT SCORE practically in 30 to 60 days.
Most people don’t realize just how important good credit really is. This “number” can have a direct and substantial impact on how much you pay for health insurance, car insurance and just about anything else where there’s some sort of premium involved.
The important thing to recognize is the good credit is an absolute must. It’s not an option. It’s pretty weird how it works, but when we have poor credit it actually costs more to live…a lot more. Take a peek at just a few items I’ve jotted down:
We pay higher deposits to rent an apartment or house
We pay high deposits for utilities
We pay a higher premium on our auto insurance
We pay higher interest rates on credit cards, vehicles loans and homes loans
…this list is practically endless.
Please Call Toll Free 877.824.7612 Today for a FREE consultation
CREDIT EDUCATION 101'S PRESENTATION
CLICK BANNER BELOW TO SEE A 10 MIN. VIDEO

My Interests

TESTIMONIALS

“I am very happy with the results that your firm has provided for me. I am now able to get loans and credit cards that were impossible for me to get earlier without your help. I am now able to get low and reasonable financing terms because of my new credit. I have had a total of fifteen deletions and I thank you for helping me not have to wait seven years before I am able to start over again with my credit. Thank you”
- Beatriz Velasquez
“Thank you very much! To date, I have been quite pleased with your service and happy to report that my credit is very good now. I have not been able to get a normal credit card for the past 5+ years, however, after retaining Credit Education 101 a little over a 4 months ago, I now enjoy a good rating. I am approved for most credit lines that I apply for — at good rates. I will continue to endorse this service. Thanks again!”
- Jorge Cuadra
“Your firm is absolutely outstanding! Your website said I would start seeing progress around 2-3 months and that is absolutely true, but I must admit that I was doubtful... Thank you so much for your help! I feel like I am becoming "credit human" again!”
- Javier Brisenos
“Just want to say big THANKS for your updates. I will continue to do my part and getting the info to you all as soon as it is available to me. Again thanks for your help and responses. It's people like you that give customer relations and customer service a good name.”
- Ana Gutierrez
“Thank you for doing this for me, it is such a one-on-one service you all provide, dedicated ’till the end, able to work out any up and coming problem, a resolve, an end, a good end. All of you and yours have a safe & happy Thanksgiving... I love you guys... We are having our FIRST Thanksgiving because of you in our OWN HOME!!! THANK YOU!!!”
- Mayra Carrillo
“I have had your service for over two months now. I have been looking for a new truck and a loan at a great interest rate. All creditors rave about how great my credit is. It sounds really weird but i am getting the credit now! Thank you so much!”
- Francisco Jacobo
“I have to admit I was a little skeptical at first, but after seeing what you were able to do with my credit after only in a few months, it is very reassuring. Thank you for everything that you are doing for me and please pass on to your staff my appreciation for all of the hard work.”
- Eberardo Gomez
“Thanks for the excellent services you have provided. I would sincerely say that your organization conducted business in the utmost professional manner. I am extremely pleased with the way you worked things out for me. Thanks for the wonderful service. You and your team have a great year ahead!”
- Rosa Olivas
“Because of the awesome work you guys did, I was able to get both myself and my wife new cars (well, almost new) and to think, a year or so ago, I couldn't get anything almost new without unreal interest and all that. I have recommended your services to all of our friends and family and will continue to do so in the future. Now my wife is in the process of working with you to get her credit cleared up. I couldn't be any happier. Thank you.”
- Perrsy Collao
“I know you must get millions of e-mails, but I want to quickly let you know how much I appreciate the report I received, and the also the note from you. Since we spoke, I have received the most prompt response from the credit bureau, and more information for me to use in expediting the process. Thanks for your professionalism and conscientious approach to my situation.”
- Erick Soria

I'd like to meet:

GIVE ME A FEW MINUTES OF YOUR TIME AND I WILL SHOW YOU HOW TO INCREASE YOUR CREDIT SCORE QUICKLY AND LEGALY

1) Under section 15 U.S.C. § 1681s of the FCRA (fair credit reporting act), a wronged party may collect $1000 for each willful or negligent act which results in the violation of the FCRA. Any person may file suit in local court to enforce the FCRA.
2)  In 2000 the Federal Financial Institutions Examination Council (FFIEC) clarified guidelines on re-aging accounts for delinquent borrowers.
3) A study released by the U.S. Public Interest Research Group in June 2004 found that 79% of the consumer credit reports surveyed contained some kind of error or mistake. As a result, many consumers frequently invoke their rights under the FCRA (Fair Credit Reporting Act) to review and correct their credit reports.
At Credit Education 101 we enforce your rights to make the credit bureaus, creditors, and collectors remove all negative and derogative items from your credit profile. For a FREE credit report and consultation, please call 818.827.7909

My Blog

Boosting Your Credit Score

Boosting Your Credit Score LOOKING FOR A HIGHER CREDIT SCORE? There is good reason to do so, a higher score can give you greater financial options, more favorable credit offers, lower your auto insur...
Posted by Credit Xpert on Sun, 14 Sep 2008 02:44:00 PST

Check with conditions to settle an account

Check with conditions to settle an account Make sure to send it US Certified mail only Date Creditor/Colletor Address   I have recently acquired my Credit Report. After carefully reviewing i...
Posted by Credit Xpert on Sun, 14 Sep 2008 02:54:00 PST

Your Rights Under the Fair Credit Reporting Act

Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. T...
Posted by Credit Xpert on Sun, 14 Sep 2008 01:56:00 PST

Your Rights Regarding Debt Collection

Your Rights Regarding Debt Collection When a debt collector intrudes upon your privacy to demand payment of an alleged debt, it can make you feel intimidated, embarrassed, helpless and harassed. It i...
Posted by Credit Xpert on Sun, 14 Sep 2008 01:31:00 PST

Cease Telephone Communication Sample Letter

Make sure to send this letter by US Certified Mail only Date                          ...
Posted by Credit Xpert on Sun, 14 Sep 2008 01:17:00 PST

Frequently Ask Questions about Credit Edu. 101

Frequently Ask Questions about Credit Edu. 101 Is credit repair possible?Contrary to what the credit bureaus would like you to believe, credit repair does work and it is 100% legal. This is, of cour...
Posted by Credit Xpert on Sun, 14 Sep 2008 02:20:00 PST