Credit Secrets Unlocked
Marcus D. Holloway
This audiobook is narrated by a digital voice.
Credit Secrets Unlocked
The Ultimate Guide to Raising Your Score, Erasing Bad Debt, and Winning the Credit Game Like a Pro
If you’ve ever felt stuck, denied, or defeated by your credit score—this audiobook is your turning point.
Credit Secrets Unlocked is your step-by-step guide to transforming your credit, rebuilding your financial reputation, and unlocking real opportunities—without gimmicks or guesswork. In this clear and empowering listen, you’ll discover the hidden truths the credit bureaus and banks don’t want you to know—along with the real methods that actually move your score upward.
Inside, you’ll learn how to decode the credit system, remove negative marks from your report, and use insider tactics to add 50 to 100 points—often in just a few months. Whether you’ve been through job loss, divorce, collections, or you’re just starting out, this audiobook will walk you through every move to take your score from struggling to stellar.
You’ll also explore credit card strategies, authorized user methods, rent reporting, business credit setup, and how to use credit to create cash flow without sinking into debt. Plus, you’ll hear real examples of people just like you who cracked the code and rebuilt their credit—step by step.
This isn’t just about credit. It’s about confidence, control, and the freedom that comes when you’re no longer held back by your past. Whether you’re applying for a loan, starting a business, or simply tired of being denied—this is the audiobook that will show you how to win the credit game for good.
You don’t need perfect credit. You just need the right playbook. Start listening—and take control today.
Duration - 6h 1m.
Author - Marcus D. Holloway.
Narrator - Digital Voice Melissa G.
Published Date - Wednesday, 22 January 2025.
Copyright - © 2025 Benjamin Bautista ©.
Location:
United States
Networks:
Marcus D. Holloway
Digital Voice Melissa G
Benjamin Bautista
English Audiobooks
Findaway Audiobooks
Description:
This audiobook is narrated by a digital voice. Credit Secrets Unlocked The Ultimate Guide to Raising Your Score, Erasing Bad Debt, and Winning the Credit Game Like a Pro If you’ve ever felt stuck, denied, or defeated by your credit score—this audiobook is your turning point. Credit Secrets Unlocked is your step-by-step guide to transforming your credit, rebuilding your financial reputation, and unlocking real opportunities—without gimmicks or guesswork. In this clear and empowering listen, you’ll discover the hidden truths the credit bureaus and banks don’t want you to know—along with the real methods that actually move your score upward. Inside, you’ll learn how to decode the credit system, remove negative marks from your report, and use insider tactics to add 50 to 100 points—often in just a few months. Whether you’ve been through job loss, divorce, collections, or you’re just starting out, this audiobook will walk you through every move to take your score from struggling to stellar. You’ll also explore credit card strategies, authorized user methods, rent reporting, business credit setup, and how to use credit to create cash flow without sinking into debt. Plus, you’ll hear real examples of people just like you who cracked the code and rebuilt their credit—step by step. This isn’t just about credit. It’s about confidence, control, and the freedom that comes when you’re no longer held back by your past. Whether you’re applying for a loan, starting a business, or simply tired of being denied—this is the audiobook that will show you how to win the credit game for good. You don’t need perfect credit. You just need the right playbook. Start listening—and take control today. Duration - 6h 1m. Author - Marcus D. Holloway. Narrator - Digital Voice Melissa G. Published Date - Wednesday, 22 January 2025. Copyright - © 2025 Benjamin Bautista ©.
Language:
English
Opening Credits
Duración:00:00:15
Introduction: The Credit Game is Rigged—Here’s How You Win
Duración:00:00:06
Why credit scores control your financial life
Duración:00:04:14
Common myths and hidden truths about credit
Duración:00:07:31
What the banks don’t want you to know
Duración:00:07:59
Real results from real people who cracked the system
Duración:00:08:10
Chapter 1: Understanding the Credit Score System—Decoded
Duración:00:00:06
The five factors that build or break your FICO score
Duración:00:07:47
VantageScore vs. FICO: What really matters
Duración:00:08:26
How lenders use credit reports to profile you
Duración:00:09:33
The psychology of “risk-based lending” explained
Duración:00:08:04
Chapter 2: What’s on Your Credit Report—and How It Hurts You
Duración:00:00:06
How to get your free reports from all three bureaus
Duración:00:08:24
Spotting inaccuracies, outdated entries, and red flags
Duración:00:08:57
The damage of late payments, charge-offs, and collections
Duración:00:08:47
Identity theft, fraud, and your legal rights
Duración:00:09:13
Chapter 3: The Credit Bureau Loophole—Disputes That Work
Duración:00:00:06
The dispute process that actually gets results
Duración:00:09:42
609 Letter method vs. online disputes: What works in 2026
Duración:00:09:00
Sample dispute letters that trigger removals
Duración:00:09:46
How to track, escalate, and repeat with precision
Duración:00:09:01
Chapter 4: Deleting Collections, Charge-Offs, and Bad Debt Legally
Duración:00:00:06
How to negotiate pay-for-delete arrangements
Duración:00:09:25
The statute of limitations and how to use it
Duración:00:08:17
Debt validation vs. verification—key differences
Duración:00:08:39
Cease-and-desist letter templates that protect you
Duración:00:08:53
Chapter 5: Credit Card Hacks—From Rebuilding to Rewarding
Duración:00:00:06
Secured vs. unsecured credit cards: What to choose and why
Duración:00:09:10
How to use credit cards to build credit without going into debt
Duración:00:07:33
Smart utilization: the 3-bucket method
Duración:00:07:07
Authorized users and piggybacking tactics
Duración:00:06:52
Chapter 6: Credit Boosting Secrets Lenders Don't Advertise
Duración:00:00:06
How to instantly add 50–100 points to your score
Duración:00:07:57
Credit builder loans, rent reporting, and Experian Boost
Duración:00:07:07
The power of aged tradelines and how to access them
Duración:00:07:00
What not to do: scams that backfire
Duración:00:08:13
Chapter 7: Settling Debt Without Killing Your Credit
Duración:00:00:06
Debt settlement vs. debt consolidation vs. bankruptcy
Duración:00:07:23
How to negotiate smarter and pay less
Duración:00:07:23
Protecting your score during the process
Duración:00:07:22
Warning signs of shady debt relief companies
Duración:00:07:40
Chapter 8: How to Build a 700+ Score from Scratch
Duración:00:00:06
Step-by-step game plan for thin or no credit files
Duración:00:08:48
Credit-builder apps and cards that work fast
Duración:00:08:21
The 90-day action plan for high scores
Duración:00:09:35
How to turn credit into cash flow responsibly
Duración:00:08:15
Chapter 9: Business Credit Secrets the Banks Won’t Teach
Duración:00:00:05
How to separate your personal and business credit
Duración:00:07:58
Building an EIN and DUNS profile
Duración:00:07:03
Vendor accounts and trade lines to establish business credibility
Duración:00:08:01
How to qualify for high-limit business cards
Duración:00:08:33
Chapter 10: Mastering the Credit Game for Life
Duración:00:00:05
How to monitor your score the smart way
Duración:00:07:56
Staying credit-ready for home loans, cars, and business funding
Duración:00:07:20
Rebuilding after divorce, job loss, or medical bills
Duración:00:07:26
Mindset shifts for financial resilience and freedom
Duración:00:07:13
Conclusion
Duración:00:02:20
Closing Credits
Duración:00:00:25