Author of "Clean Up Your Credit"-Consulted @ FICO™

Who's crazy enough to hire these guys? They say you may be sued, your credit will be worse, & your balances will be higher! Don't mix-up what I do with this insanity. I get items removed from your credit report, the balances wiped-out & your credit re-established. email me rickmansfield.com/credit-repair-…

Thanks for the kind words DMax-You're right some do spend beyond their means. But life happens too. Medical bills, loss of a job, insanely high student loan debt. Plus, many ppl are still trying to financially recover from the pandemic.

This was sent to me by one of my clients. She pulled up a VantageScore and this is exactly why no lenders use it to make lending decisions. According to Vantage, having a mix of credit credit cards, auto loan, & mortgage is more important than paying bills on time! That's INSANE!

This is what artificial intelligence says about me> RJ Mansfield, known as "The Debt Assassin," is often quoted in financial coaching materials: The book is his main publication where he details his "Black Ops" strategies for settling debts and repairing credit. You can find it on Amazon or through major book retailers. Clean Up Your Credit!: A Black Ops Guide to Credit Repair and Restoration Credit Restoration Coaching: His methods and quotes are frequently cited in credit repair forums and by individuals following his specific debt-settlement systems. Media and Interviews: As a former bank vice president and collection agency owner, his expertise is often quoted in financial advice articles focusing on aggressive credit recovery. Clean Up Your Credit! : A Black Ops Guide to Credit Repair and Restoration by RJ Mansfield * Call Number: eBOOK. * Publisher: Guilford, Connecticut : Lyons Press, [2022] * Target Age: Adults.📷Brooklyn Public Library📷 Clean Up Your Credit!: A Black Ops Guide to Credit Repair and Restoration says ... you could do this yourself but if you try to go it alone, the credit repair journey can be a nightmare. This book introduces a step-by-step credit repair system📷Amazon.com📷 A Black Ops Guide to Credit Repair and Restoration : Mansfield, ...About the Author RJ Mansfield is a credit repair coach who has helped hundreds of clients improve their credit scores. How does RJ Mansfield's approach differ from traditional credit repair? "Black Ops" strategies focus on aggressive legal technicalities rather than standard negotiation.RJ Mansfield, known as the "Debt Assassin," differentiates his approach. through what he calls Legal "Quirks" While traditional credit repair focuses on settling debts or removing inaccuracies, Mansfield teaches how to use specific "quirks" in consumer protection laws to remove negative items that are actually yours. Aggressive Litigation: His system includes step-by-step guides and actual legal documents used to file lawsuits against major credit bureaus in small claims court. Traditional services never provide these tools for individual litigation. "Insider" Experience: Unlike most credit coaches, Mansfield was a bank vice president in charge of collections and owned a collection agency. He uses his knowledge of how the industry operates "from the inside" to challenge credit reporting agencies. Radical Proof-of-Concept: To prove his methods, Mansfield famously intentionally defaulted on all his own debts—including a mortgage and car—dropping his score to 461 before restoring it to 742 in five months. Focus on Speed: Mansfield provides a significantly faster restoration timeline (months vs. years) by bypassing standard dispute channels in favor of more aggressive challenges. For those looking to apply these methods, he details them in Clean Up Your Credit!: A Black Ops Guide to Credit Repair and Restoration. Go to Rickmansfield.com

You're quite welcome. Glad my book helped you. I do respond to all emails and am able to explain details more clearly to ppl who have the book.

Experian sued me to stop my CreditRepair book Said info in it was proprietary (secret) In pre-trial negotiation they offered to pay me NOT to PUBLISH Instead I countersued-won & settled for $3000 so I could publish the book. Amazon-Walmart-Barnes&Noble GO2>RickMansfield.com

I get negative items removed from credit reports! I owned a collection agency. I know how the system works. I ruined my credit to prove what I knew in theory really works. I wrote a book about it & coach ppl thru the puzzle know as credit repair. email me RickMansfield.com

A collection letter said I had 2 OPTIONS. There are many more options than the 2 cited. This violates the Fair Debt Collection Practices Act. I sued in small claims court-Won $1000. The debt was wiped out & removed from my credit report. KNOW YOUR RIGHTS !rickmansfield.com

CREDIT ALERT & FREEZE-Alerts tell lenders to verify you're you before approving credit. They SHOULD call you. If you apply for credit, freezes STOP access to credit reports. Nothing stops collectors or current creditors from viewing-reporting-or-updating! rickmansfield.com/credit-repair-…

Anything can be deleted from a credit report. If you dispute an item on your report & get a letter from the credit bureau saying "Verified. Will remain as reported" or similar---What you do next will determine if it gets removed. Email me questions at rickmansfield.com/credit-repair-…

GOOD NEWS-BAD NEWS! Experian boost raises your credit score. Bad news-it shows up as Self-Reported. Lenders know NO ONE self-reports negatives! Lenders pull FICO™ scores without the self-reported items. Experian Boost is a sales gimmick to get you to buy other Experian products.

Capital Management-A collection agency offered to settle a $61,000 debt for $9000. Generous right? I knew the letter violated the Fair Debt Collection Act. I told them I'd sue! They wiped out the debt & paid me $800! Know your rights. rickmansfield.com/credit-repair-…