The Easy Section 609 Brandon Weaver Free Download
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Brandon Weaver is a pop credit repair author and YouTuber, by and large known for his 609 credit repair loophole. Please read this before taking his advice.
If you have bad credit, y'all've probably seen Brandon Weaver offering credit repair advice on YouTube. You may accept read his book, "The Like shooting fish in a barrel Section 609 Credit Repair Secret." And at present you're wondering if this kid (who looks about eighteen years onetime) is legit, or if he's just a skilful marketer.
Nosotros've got yous covered!
If you've asked:
- Is Brandon Weaver's Section 609 loophole legal?
- Do his strategies really remove negative items from my report?
- Can I actually practise this on my own or practice I need help?
- How much tin can I improve my credit score post-obit his communication?
You lot're in the perfect place!
In this commodity, we'll expect at Brandon's teachings, review his book and YouTube videos, review The Awesome Life Group, and requite our opinion virtually whether Brandon is someone you tin trust.
☝️ Real quick: here's what this article is NOT…
Information technology's not another scare tactic telling you how bad credit can cease you from qualifying for a home, auto loan, or even getting a cell telephone.
You already know this, you are probably already feeling the stress of bad credit, and now you need answers!
Past the stop of this article, you lot'll know what advice you should and should not take from Brandon Weaver. That will help you make the right decision about repairing your credit, whether it volition exist on your own or choosing to hire an good to help.
Brandon Weaver: Overview and v Fundamental Highlights
Brandon Weaver is a 35-year-quondam credit repair educator mostly known for his YouTube videos. If you watch him on YouTube information technology doesn't accept long to realize why he'south then popular.
He's a practiced-looking, young guy and he seems similar he genuinely wants to assist. In an age when there's so much staged BS out at that place, I appreciate that his videos are not overly "polished." In other words, he starts a video with a crude outline of what he wants to say, but he doesn't script it all out.
The result is he comes across as sincere, like a regular guy yous'd love to hang out with, and he doesn't push his book on credit services (too much).
A few highlights:
- He got into educational activity credit repair because he had a poor credit score and taught himself how to repair information technology… and it worked!
- He is a prominent YouTube educator. Many of his videos accept been viewed over 100k times, with his about popular video, "How I Fixed My Credit with 609 Credit Repair," receiving over 3.2 million views
- He owns www.609creditrepair.com, where he sells 609 credit repair letters and step-past-step video walkthroughs
- He likewise owns Awesome Life Group, LLC, where he offers credit repair alongside co-founder, Cornita Pinchinat
- Just for fun, he has too appeared in a few depression-upkeep movies. Oh, and he's ripped. Check it out.
Permit's dive into what he teaches about credit and whether it's really legit.
Brandon Weaver'due south Strategies: What Are They and Tin I Trust Them?
The first thing you lot need to know about Brandon Weaver is that he mostly teaches strategies for people with damaged credit.
In other words, if you're 20 years old and have a bad credit score because you but haven't established credit withal, well-nigh of his strategies will not work for you lot.
Just if yous accept negative items on your credit report such every bit:
- tardily payments
- charge-offs
- inquiries
- bankruptcies
- repossessions, collections, or judgments
And then y'all are the blazon of person Brandon is trying to help. Notice how his YouTube videos ALL seem to be about "removing" or "disputing" items from your credit report.
His help comes in two ways.
- He teaches DIY methods (Practise-It-Yourself) to repair your ain credit using his complimentary or paid videos or his volume
- He offers professional person credit repair services through his company, Awesome Life Group, LLC
The 609 Credit Repair Loophole
Brandon is almost popularly known for exposing this "609 credit loophole" and popularizing the dispute messages you can send the credit bureaus to get negative items removed from your credit file.
So is this a bunch of BS?
As it turns out, no!
This has actually been a common practise for years in the credit industry. Credit repair companies simply telephone call them "dispute letters."
Brandon is only the marketing genius to come up up with a better trademarked sounding proper noun for the strategy (The 609 Credit Loophole), which he popularized on YouTube in 2016.
How it Works
If you have a negative item on your credit study such as a late payment, yous merely send a letter to the credit bureaus asking them to prove the debt/negative item really does belong to you.
The credit bureau has 30 days to respond offer proof. If they can't, they must (by police) remove the negative detail from your credit file.
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Is that Legal?
Aye, information technology's legal.
Under the Fair Credit Reporting Act, consumers have a right to dispute any suspected inaccuracies in their credit reports.
The credit bureaus mess up peoples' credit files all the fourth dimension. You should ship dispute letters tin even if you think the negative item really belongs to y'all.
A study by the Federal Trade Commission plant that 1 in 20 people have a error on one or more of their reports that could result in a negative financial bear on.
Only I wouldn't pay for Brandon's letter templates to dispute an item on your credit report.
There are no "magic words" that go the credit bureaus to remove an item. The truth is they're but inundated and only by sending them a asking to verify your debt, they may not have time to respond, then your negative item gets removed.
Of course, you demand to transport the letters to the right place and include sure items such every bit your business relationship number, but it's not that hard. Yous tin can get our free 609 letter of the alphabet templates, which bear witness you everything you demand to include, past clicking here.
Pros & Cons of Brandon Weaver Credit Repair Advice
Here's the truth:
Brandon's strategies tin can work…
… for some people. People with negative items on their credit that they want removed.
They don't work when:
- Yous are only establishing your credit
- You don't actually put in the work (or rent someone to aid you)
- If y'all don't have negative items on your written report
So if you're xxx years former and have never missed a credit menu payment, only but have a 700 credit score,Brandon's content is not really for you.
👉 Of import:Brandon teaches credit repair rather than credit-building strategies. The truth is you shouldn't but be repairing credit all the time. You also need to be adding new, positive credit history and types of credit to your file. This is credit building.
Credit Repair vs. Credit Edifice
Imagine an one-time, dilapidated business firm with a cracked foundation.
You want to build a beautiful home at that place only offset, the house must come downwards and the foundation must be fixed.
That's similar credit repair (what Brandon teaches).
Credit repair is characterized by words similar:
- repair
- remove
- dispute
- fix
- restoration
This is Brandon'southward focus:
Now imagine putting up your walls, laying the floors, and adding plumbing, electric wiring, and a roof.
That'southward similar credit building (Brandon rarely discusses this).
Now, obviously, yous tin can't build that beautiful home merely by getting to a good foundation (credit repair). You must also add positive items to your credit (credit building).
You lot can build your credit past doing some of the following:
- Become and utilise a secured credit bill of fare.
- Take out a credit architect loan
- Report your rent payments to the credit bureaus
- Report your utility payments to Experian
Bank check out these eight strategies for rebuilding damaged credit and these 5 ways to start building credit.
Brandon Weaver on YouTube: Best Videos & Where to Start
The best place to commencement is by visiting Brandon'southward YouTube channel here.
He organizes his best videos and credit videos by topic there nether his "Playlists."
As you can see, he mostly posts content almost removing items from your credit file such as late payments, collections, evictions, student loans, hard inquires, medical collections, and more. Basically, it's 99% about credit repair and restoration.
If you're only starting out with credit repair, I'd definitely check out his #i most viewed video of all time: "How I Fixed My Credit with 609 Credit Repair" (three.1 one thousand thousand views)
His other near pop videos are:
- Don't Pay Collectors / Why Yous Should Never Pay Collections (300k views)
- Underground Ways to Remove Hard Inquiries from Credit Reports (269K views)
- Can This Letter of the alphabet Discharge Your Pupil Loans? (160K views)
Brandon Weaver's advice: The Large Problem
There's 1 serious problem with Brandon Weaver's claims. That problem is summed upwardly in this claim from his website.
Section 609 of the FCRA does non even deal with disputes or with a credit bureau's right to report information.
In one of his videos, Weaver claims that "if they don't accept a signed document with your signature on it, they have to remove it [the adverse record]".
This is also not true. There is nothing in the Off-white Credit Reporting Human activity or whatever other constabulary that requires a credit bureau to possess or produce an original signed contract.
A dispute letter may, sometimes, succeed in removing a legitimate business relationship. The credit agency or the creditor may take lost records or may just fail to verify the account in time. Yous can't count on that, and nobody can honestly hope it.
FinMasters Editors
How to Get 609 Credit Repair Letters Free
I personally wouldn't pay for Brandon's letter templates to dispute an item on your credit study.
In that location are no "magic words" that go the credit bureaus to remove an item.
The truth is that dispute letters work simply considering Americans inundate the credit bureaus and merely by sending them a request to verify your debt, they may not have fourth dimension to respond, so your negative particular gets removed.
👉 Here's another truth. If an account really, legitimately belongs to you, null you do tin force the credit agency to remove information technology from your report. They do not take to produce a signed contract. At that place'south no magic play a trick on that volition force negative items off your credit report.
Do 609 messages really work?
Sometimes they do, sometimes they don't. If an account is really an error, the credit bureau is required to remove it. If an account is legit, you might luck out and get it removed, or you might not.
Either way, you lot need to exercise information technology correctly:
Of grade, you need to send the letters to the right place and include certain items such as your business relationship number, but it's not that hard. You can become our free 609 letter templates, which shows you everything you need to include, past clicking here.
Go Your FREE Section 609 Credit Dispute Letter Template
"I used your template andI went up 44 points. Thank you!"– Rochelle Cooper
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Review of Awesome Life Group, LLC
The Crawly Life Grouping, LLC is Brandon Weaver's credit repair service, which he co-founded with Cornita Pinchinat. You can find them online at world wide web.theawesomelifegroup.com.
Business concern Address:
According to Zoom Info, they are located at: 1725 Washington Rd. Ste. 400, Pittsburgh, Pennsylvania, 15241
Business organisation Phone:
(800) 360-3013
Time in Business concern:
It appears Crawly Life Grouping began offering credit repair services in Feb 2018, although they were gearing upward and planning their launch equally early as 2016.
According to https://www.whois.net/, their website was founded on 12/21/2016.
In a Pennsylvania business entity search (public records), y'all tin can see they registered their LLC on 12/28/2016.
Still, they did not record their Credit Services Organization Bond (a bond that protects credit repair organizations' clients from any financial losses as a result of poor financial decisions), until 2/12/2018, as yous can meet here.
Co-ordinate to BondsExpress.com, a credit services organization in the State of Pennsylvania is not allowed to offer services until this bond has been purchased, which is why I suspect they didn't officially showtime offering credit repair services until 2018.
The Price
According to his website, they accuse a $199 set-up fee as well as $149 per calendar month thereafter with no long-term contract and a 90-mean solar day guarantee "if your credit doesn't amend." They also offer credit monitoring for $21.99 per calendar month through Identity IQ.
Their price comes in quite a scrap college than some of the lowest-priced credit repair services. Many services have been around a lot longer and offer packages equally low as $99 for First Piece of work Fee and $79.99 per month thereafter.
Services:
For a long fourth dimension, the merely service mentioned on their site was removing negative items. At present, according to their site, they offer a three-phase plan to assail your credit.
- Phase One – They piece of work to remove any negative, inaccurate, or outdated items on your credit file (they send dispute letters). This can accept one-2 months.
- Phase Two – If your credit is looking better, they offering counseling and strategies to add positive credit and increase credit lines. Brandon doesn't talk about adding positive credit much on YouTube, just I like this phase. The best approach to raise your credit score is to repair the negative AND build positive credit. This stage lasts 2-three months.
- Phase 3 – This is when they requite you the light-green light to apply for that mortgage or automobile loan and provide additional consulting equally needed.
Here'southward a prissy testimonial for Cornita and the Awesome Life Group from their site:
The Verdict
I think the verdict is even so out on Brandon Weaver'south credit repair service. It's very new (just started in 2018) and if at that place's ane thing I've learned in the business, it'due south a lot easier to teach than to practise.
Information technology likewise has relatively few reviews compared to our top rated credit repair company, who has hundreds of 5-star reviews. Nor are they BBB accredited.
That said, the best I can offering is my "gut feeling" that Brandon and his team probably practise a great job, and I'chiliad inclined to trust him. At that place simply isn't much history there. But if you know and trust him from his volume and videos, I certainly wouldn't steer you away based on anything I've seen.
I would certainly encourage you to compare his service to some our top recommended credit repair companies, nevertheless.
Conclusion – Nosotros Eye Brandon!
In determination, we really like Brandon Weaver.
He's a talented marketer who has institute a way to help a lot of people with damaged credit. And I don't think you'll waste a penny buying his books, templates, or even credit repair. Although, the jury is all the same out on The Crawly Life Group as information technology is so new with few reviews.
Simply just know there may be other (free) options like our free 609 template letters, or this free guide to building credit, and you may even want to compare Brandon's credit repair services to some of these companies that have been in business a lot longer.
🔎 Additional Credit Repair Resources
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