To be brief, I work with a full-service financial company now and if anyone here is suffering from sub-par and/or bad credit I can help you. We permanently delete negative items off of your credit report (no, not like Lexington Law etc), and typically will get your credit score to 700+ (800+ in some cases). We also offer life and auto insurance, mortgage protection, the stopping of foreclosures, home appraisals and more.

I have received much valuable information from T-dub and hopefully this will help someone out. If interested in more details, you can PM me or if you would like my number PM me asking for it.

6/6/2012 9:39:35 AM

"Greetings, friend. Do you wish to look as happy as me? Well, you've got the power inside you right now. So use it. And send one dollar to Happy Dude, 742 Evergreen Terrace, Springfield. Don't delay! Eternal happiness is just a dollar away."

6/6/2012 9:49:34 AM

Is this Kevin Corchiani?

It feels like a Kevin Corchiani post.

6/6/2012 9:53:31 AM

You are somewhat intelligent. But not really. No where did I mention being happy. No where did I mention personal "power" or prowess even being a factor. No where did I pressure anyone to even respond. No where was "happiness" promised. And thanks for making it even more clear that you completely disregarded the fact that I have been using this site for years and wanted to extend the valuable information that I have come across.

Thank you Unhappy Dude.

6/6/2012 9:56:30 AM

Quote :

"Seriously, bro, I can make your penis fat and harder for longer"

6/6/2012 9:58:15 AM

LOL

6/6/2012 9:58:23 AM

I realize this thread is about sub-par credit, but hear me out, maybe I can offer some insight.

I am in outside sales, which is currently salary+commission, but will move into straight commission starting at the beginning of July 2010. I have been in this position since July 2009. I have competition from several direct manufacturing sales reps, large distributors, and local distributors. Here are the advantages and disadvantages of each:

Direct Advantages: Immediate knowledge of new technology, no middle man mark up, one shipping bill (paid by manufacturer or buyer of goods), access to larger range of non-commodity items, control inventory, have access to many distributors that can effectively sell their goods which increases market share, and set prices of commodity they manufacture.

Direct disadvantages: Typically have 1-3 sales reps per region (i.e. southeast, mid-atlantic, northeast, etc.) limiting the number of accounts they can successfully manage/cold-call, lack physical customer service or physical technical service available to or affordable for smaller users or altogether, are sometimes not trustworthy because they will go in behind their distributors that sell their commodity to one account in large quantities (i.e. they missed a big account, and have found out about it through a distributor selling their particular product) which leads to the distributor not selling their product anymore, have too many distributors selling the product ultimately driving the set price down through deviations, possibly rely on distributors to actually sell the product, and competition from other direct sources.

Large distributor advantages: have access to other commodities that go hand in hand with other manufacturers (poor example- grocery stores sell milk as well as cereal), get direct pricing, many locations regionally or nationally easing the shipping burden of buyers with multiple locations, personal service either customer or technical, many sales reps that are able to cover a broader territory, access to multiple manufacturers of the same commodity allowing to keep prices in check, service programs that smaller companies can't offer and direct providers can't match in price or value, and experts of many many commodities as opposed to one or a few.

Large distributor disadvantages: smaller local distributors creating price wars (think Michael Scott Paper Co vs Dunder-Mifflin), direct mfg's going in behind and stealing business, limited access to all of the mfg's (you won't find Harris Teeter name brands in Food Lion and visa versa), can't truly set prices because it's based on both supply and demand, territory management, and tough growth prospects in slower economies (this is true for direct as well really)

Local distributor advantages: Typically a good ol' boy setting where the seller and the buyer know each other for years (this does happen at all levels, but mostly at the local level), local folks are right down the street and can be used in emergencies, if the local guy buys at high enough volumes then there is no shipping charge to the end user, and access to both direct mfg's and large distributors.

Local distributor disadvantages: easily beaten in price, array of commodities, array of technology, lack of trained staff, low cash flow, etc etc etc.

This is what I have noticed in my six months, I am sure there are plenty more that need mentioning. The way I am setting myself apart as a sales person is this: I go after the big accounts right now while I am new. The big accounts, if I land them, will take care of me while I am new and building a customer base. The money made off of those allows me to focus free time on smaller accounts that get me higher margins. I build up big accounts, I would like to have 5-10 of these, then get 20-30 medium accounts. If I lose 1 or 2 big accounts, the 20-30 medium accounts keep me afloat while I go after new big accounts. I don't really waste time on small accounts simply because they basically pay for breakfast or something really small.

I will say this, if you can't get a big account in the first 6-8 months (assuming you have cash flow that you can ride this long) you could be in a world of trouble. If you can get one, it will really make going after the others a lot more enjoyable and less stressful. It's simply just very exhausting wasting any time on anything other than big accounts in the very beginning. You work just as hard on the medium sized accounts and see 1/3 to 1/36 of the money in my situation.

If you have any other questions, you can PM me. I hope this helps in the slightest!

6/6/2012 10:33:51 AM

Matthew Lesko in the motherfucking house

6/6/2012 10:35:55 AM

sounds too good to be true

6/6/2012 11:36:35 AM

$10,000 for a barber shop!

6/6/2012 11:41:52 AM

Quote :

"We permanently delete negative items off of your credit report"

Couldn't someone do this themselves by calling the credit reporting agencies? I'm not sure what a company could do differently than the individual could do themselves.

6/6/2012 12:39:15 PM

No offense, but I am not about to disclose personal information and give someone on an internet message board access to my credit, especially with a username like "Traitor".

[Edited on June 6, 2012 at 12:47 PM. Reason : buy an ad]

6/6/2012 12:47:17 PM

Quote :

"Couldn't someone do this themselves by calling the credit reporting agencies? I'm not sure what a company could do differently than the individual could do themselves."

afaik, you can't just have negative items deleted. You'd need to have the collection agency or whatever remove it or prove it's not yours. They're probably just sending a debt validation letter for you and hoping the agency doesn't respond so it gets deleted.

6/6/2012 1:27:39 PM

Yes.

6/6/2012 1:30:56 PM

lol @ how mad this tr8t0r guy got at LaserSoup for quoting the Simpsons.

[Edited on June 6, 2012 at 1:42 PM. Reason : ]

6/6/2012 1:42:10 PM