While Learning to Fix Our

BY

THE
MARSHALL
TWINS
Like so many people, we didn't recognize the importance of having credit
until we needed it. After paying countless people and companies and
seeing little to no results we came to the conclusion that we needed to
learn this credit repair game for ourselves. The old saying once the
student is ready, the teacher will appear was so true. Once my brother
and I started to look for more information on credit repair, we
immediately jumped on YouTube to study about credit repair, and bought
all the top credit guru's books and courses. Looking back on it all now it
reminds me of the Matrix when Morpheus gave Neo a choice between
taking the Red or Blue Pill. Needless to say we took the red pill and that
was the start down this long rabbit hole. If we told you there was no such
thing as debt, what would you say? If we told you every American citizen,
even the homeless people sleeping under the bridges, all are multi-
millionaires, you would think that maybe we are crazy right? What if I told
you that the IRS was nothing more than an organized crime syndication
that has fooled the American citizens into believing that they are a
Federal Entity that has unlimited power, but they are not.....
Are you a Citizen or Corporation?

Normally I like to begin this conversation with a simple, but somewhat

complex question. All we ask is that you don't overthink it because
technically there is no wrong answer. Here is the question, does the
United States of America define itself as a country or a corporation? I will
not paraphrase this, but I would rather you hear the words of the
government. Google 28 USC 3002 and scroll down to #15.

(15)"United States" means - (A) a Federal Corporation

So here is another simple, but complex question. Don't overthink it, are
you ready? Can you be a citizen of a corporation?

The majority of us will answer yes to the question and that's not the wrong
answer, but my next question would be why would you classify yourself as
a citizen of a corporation? So allow me to elaborate more about what you
are saying when you classify yourself as a citizen of a corporation.
Amazon is a corporation, correct? So if we can be citizens of the United
States, which is a corporation according to 28 USC 3002, why can't we be a
citizen of Amazon? Believe it or not , we can all be citizens of Amazon, but
when I say this, what am I really saying?
Truly what we would be saying is that we belong to Amazon. Did you know
that when you belong to something, you have no rights. The only rights you
have are the rights that are given. I know you are a bit confused right now,
but stick with me it will all start to make sense. So I know some of you are
thinking, if we are not citizens, then what are we? My brother and I always
answer the same. We cannot tell you what you are, or what to classify
yourself as, but The Marshall Twins are consumers. What's a consumer you
may ask, well if the United States defines itself as a corporation then that
means there is business that is involved, and if there is business involved
that means that it is a bottom line. Let's think back to Amazon, who is the
most powerful person at Amazon? Is it Jeff Bezos? The President? Maybe
the Board members?.....The true answer is none of the above. Every
position or person mentioned above is completely expendable. All of those
positions and people can easily be replaced. The most powerful person at
Amazon is YOU, the consumer, the ones who spend the money. If you take
the consumer out of the equation, there would be no need for Jeff Bezon,
President, or any Board members. You all don't recognize your power
because the corporations have brainwashed you to believe that you need
them. Peep this, it's the corporations that need you and the same holds
true when it comes to the federal corporation called the United States of
America. Always remember this, debt collectors are governed by FDCPA 15
USC 1692, so I will only draw my proof from the Fair Debt Collection
Practices Act (FDCPA) and Uniform Commercial Code (U.C.C) Law That is
known as "Colorable'' law which is used in all the courts in this nation. If
you ever want to have any success with any consumer law, you first need
to classify yourself as a consumer. The information that we will share in
this book the Elites of society don't want you all to have this information.
They have kept it hidden in plain sight for generations. These are their
secrets of getting in and out of so called “Debt”.
 Uniform Commercial Code

A lot of us work hard to earn a living,

earning a dollar every single day. That
dollar spends like a dollar but if it's not
redeemable for lawful money(silver or gold)
it is considered “colorable": fiat, fake, false.
If a Federal Reserve Note is used in a
contract, then the contract becomes a
"colorable" contract. Can you think of some
colorable contracts off the top of your
head? Car Note, Mortgage etc These
colorable contracts can only be enforced
under a Colorable Jurisdiction. So when the
Federal Reserve note was created, the
government had to create it under Colorable
Jurisdiction to cover all the contracts they
use them for. That leads us into what we
now call Statutory Jurisdiction, which is not
a genuine Admiralty Jurisdiction. All judges
are enforcing a "colorable" Admiralty
Jurisdiction because we are using
"colorable money". Colorable Admiralty is
now known as Statutory Jurisdiction. So
BY
that now brings us back to the subject of THE
Uniform Commercial Code (UCC). The MARSHALL
government established a "colorable law TWINS
system to fit their Colorable Currency.
It used to be called the Law Merchant or the Law of Redeemable
Instruments because it dealt with paper, which was redeemable for
something of substance. Once Federal Reserve Notes had been declared
unredeemable, they had to create a system of law which was completely
"colorable". This system of law is known as the Uniform Commercial
Code(UCC) and has been adopted in every state of the Union. This
colorable law is still used in all the courtrooms around the United States.

Contract or Agreement

One big difference between Common

Law and UCC Law is that in Common
Law, contracts must be entered into:
(1)knowingly,(2)voluntarily, and
(3)intentionally. Under the UCC this is
not necessary. Let me start by saying,
contracts are necessary, but under the
UCC "agreements" are presumed or
implied that you intend to meet your
"obligations “associated with those
benefits. If you decide to accept a
benefit offered by the government, it’s
mandatory that you follow every statute
involved with that benefit.

So the plan is to get everybody exercising a benefit, and they don't even
have to tell the People what the benefits are. A lot of people think it's your
driver license, your marriage license, or birth certificate, etc but we believe
it is none of these.
 The Compelled Benefit

My brother and I believe the benefit being used is that we have been given
the right and privilege to be able to "discharge debt" with limited liability.
Instead of paying debt with substance. When we pay a debt, we give
substance for substance: equal value for equal value. Here is an example
to help you understand. If I go and buy a Gallon of milk with a silver dollar,
that silver dollar paid for the milk, and the Gallon of Milk paid for the
dollar- so it's substance for substance: pound for pound. So if we use a
Federal Reserve Note to buy the milk, I have not paid for it. There is no
substance when dealing with the Federal Reserve Note. It's a worthless
paper given in exchange for something of substantive value. Congress
offers us this Remedy in the form of a benefit. Debt money, fake money,
authorized by the federal United States, that the fake money could be spent
all over the United States and the world. It has been declared a legal tender
for all debts, public and private, and the limited liability is that you cannot
be sued for not paying your debts when you "discharged" the charge by
using this colorable money that you were given. What they don't tell us is
that when we use this colorable money to discharge our debt, we forfeit
our right to use Common Law courts. So we can only use colorable law
courts. We are under the jurisdiction of the UCC. we are using non-
redeemable negotiable instruments and we are discharging debt rather
than paying debts.
 Remedy and Recourse

Every system of civilized law that you can think of has to have two
characteristics , Remedy and Recourse. Remedy is the method you use to
get out from under the law. Recourse is used only if you have been
damaged under the law, so that you can recover your loss. The Common
Law, the Law of Merchants, and even the UCC, all have Remedy and
Recourse, but sadly for a long time we just could not find it. I challenge
you to go to a law library and ask to see the UCC. Watch the librarian show
you a shelf of books completely filled with UCC Law. Like any other law
book when you pick it up to read it's almost impossible to understand, it
seems like it was intentionally done to confuse everyone. I kid you not it
took my brother and I a long time to find the section talking about Remedy
and Recourse that were found in the UCC Law. Surprisingly they are found
right in the first volume: UCC 1-207 and 1-103.

Remedy
The making of a valid Reservation of Rights preserves whatever rights you
possess at that time, and prevents the loss of such right by application of
the concepts of waiver or estoppel (UCC 1-207.7). Always remember when
you go into court that we are in a Commercial International Jurisdiction. If
we go into court and tell the judge, "I DEMAND MY CONSTITUTIONAL
RIGHTS," the judge will most likely say, If you mention the Constitution
again and I'll find you in contempt of court! At that moment we all would be
thinking how can he deny us our constitutional rights? I mean the judge
has been sworn to uphold the constitution right? The rule in court is this,
you cannot be charged under one jurisdiction and defend under another.
For example, if the Chinese government came to you and asked where you
filed your Chinese income tax for a certain year? Would you go to the
Chinese government and say, "I demand my Constitutional Rights? I would
say the answer would be NO.
The correct answer is "THE LAW DOESN'T APPLY TO ME, I'M NOT
CHINESE". You must make your reservation of rights under the jurisdiction
in which you are charged....not under no other jurisdiction. So in a UCC
court you must claim your reservation of rights under UCC 1-207 (now it
has been changed to UCC 1-308).

UCC 1-308 When a waiverable right or claim is involved, the failure to

make a reservation thereof causes a loss or the right, and bars its
assertion at a later date (UCC 1-308.9). You have to make your claim
known early. It also says "The Sufficiency of the Reservation '': Any
expression indicating an intention to reserve right, is sufficient, such as
"without prejudice” (UCC 1-308.4). Whenever you sign any legal paper
that deals with Federal Reserve Notes in any form or fashion.....make sure
you always write under your signature: "Without Prejudice", or Without
Prejudice UCC 1-308. This always reserves your rights. Google, “1-308.4”
and read how it sufficiently reserves your rights. When we first learned
this we couldn't wait to use this UCC Law code, but it's very important that
you understand just what UCC 1-308 means. For example, here is a quick
story. One day one man used this UCC Law trying to help himself get out
of a traffic ticket. So when the judge asked him what he meant by writing
"without prejudice" in his statement to the court, the man was
dumbfounded. He had used the Law code but didn't take the time to
understand the concepts that were involved. He only wanted to use the
law code in hopes of him getting out of paying for the traffic ticket. The
man clearly did not know what it meant, so the judge had asked him again
what the law code meant by signing that way? So the man told the judge
that he was not prejudice against anyone. smh at that moment the judge
knew without a doubt that the man had NO IDEA of what it meant, so
needless to say, the man lost that case. So let his mistake be an example
to use to KNOW what UCC 1-308 Without Prejudice means
Without Prejudice UCC 1-308
Always remember when you use "without prejudice" or "without prejudice
UCC 1-308" in connection with your signature, you are saying."I am
reserving my rights not to be compelled to perform under any contract or
commercial agreement that I did not enter KNOWINGLY, VOLUNTARILY,
AND INTENTIONALLY -I do not accept the liability of any compelled benefit,
or any unrevealed contract or commercial agreement.

Ask yourself, what is the compelled performance of an unrevealed

commercial agreement?
Any time you use Federal Reserve Notes, instead of silver dollars, is it
voluntary? NO, there is no lawful money, so you have to use Federal
Reserve Notes....you have to accept the benefit. I hope that makes sense,
the government gives you the benefit to discharge your debts. Aww isn't
the government so nice! But if you have not reserved your rights under 1-
308, you are compelled to accept the benefit, and are therefore obligated
to obey every statute ordinance, and regulation of the government. That
means all levels of government-federal, local and state. If you understand
this, you will for sure be able to explain it to the judge when he asks, and
he will ask just to reassure you. So make sure you are prepared to explain
this statement to the court. You will also need to understand UCC 1-103
Argument and Recourse. So if you really want to understand UCC Law fully,
go to a law library and photocopy these two sections from the UCC. It is
very important to get the Anderson version. Some of the law libraries will
only have the West Publishing version which is very difficult to understand.
The Anderson version is broken down with decimals into ten parts and the
biggest factor is that it's written in plain English.
 Recourse

UCC 1-103.6 Recourse is complementary to Common Law which remains in

force, except where displaced by the code. This is an argument to use in
court. The code recognizes the Common Law. If it did not recognize the
Common Law, the government would have to admit that the United States
is bankrupt and completely owned by its creditors. Well it's not convenient
to admit this fact. The Code was not written to entirely override the
Common Law. Therefore, if you have made a sufficient, timely and explicit
reservation of your rights pursuant to UCC 1-308, you can insist that the
statutes be construed in harmony with Common Law. Let's just say the
charge is a traffic ticket, you may command that the courts produce the
injured person who has filed a verified complaint. Example, let's say you
were charged with failure to obey the posted speed limit, you may ask the
court who was injured as a result of your failing to obey the posted speed
limit? However the judge wants to listen to you , and will just move ahead
with the case. We got a trick to read to the judge the last sentence of UCC
1-103.6 which states: The code can not be read to preclude a Common Law
Action. Tell the judge, “Your honor, I can sue you under the Common Law
for violating my rights under the UCC ''. I have exercised my Remedy, so
you must understand this statute in harmony with Common Law. To be in
harmony with the Common Law , you must bring forth the damaged party.

(Note: Actually it is better to use a rubber stamp, because this

demonstrates that you have previously reserved your rights. The simple
fact that it takes several days or weeks to order and get a stamps shows
that you have reserved your rights prior to signing the document. )
If the judge insists on proceeding with the
case, act confused and ask this question "Let
me see if I understand , Your Honor, has this
court made a legal determination that the
Sections of 1-308 and 1-103 of the UCC, which
is the system of law you are operating under,
is not a valid law before this court? By saying
this you know you have the judge in a jam.
The judge knows that he cannot throw out one
part of the code and uphold another. If the
judge answers YES, then you say," I put this
court on notice that I am appealing your legal
determination. Do not worry the higher courts
will uphold the Code on appeal. The judge
knows this so you have him right where you
want him to be, boxed in a corner.

Debt

When it comes the subject of Debt, many people think that my brother
and I are crazy when we say there is no such thing as Debt. Many
sovereign brothers and sisters will preach to those who listen, that our
so called debts are obligations to the corporation called the United
States of America. So after 1933, the government agreed to assume all
liabilities that arise under transactions using your credit card(social
security card) according to 18 USC 8. Let me back up a bit, in law you
must understand words and their meanings. When you think of a credit
card, what come to your mind? Amex, Capital One, Discover? I want you
to google 15 USC 1602 aka T.I.L.A(TRUTH IN LENDING ACT) - defines a
"credit card" means ANY Card, Plate, Coupon book or other credit
devices existing for the purpose of obtaining money, property, labor,
SERVICES on credit. Notice 15 USC 1602 did not mention any credit card
companies but question, on your car what's a plate that has numbers on
it?
 In your wallet or purse your Driver License and
ID both have numbers on it right? What about
BY your social security card on the front and back
THE of it, they both have what? Number on it,
MARSHALL exactly so let me tie it all in together. When
TWINS you’re driving your car and go through the toll
roads, they use you license plate to charge your
account right? When you get a ticket from the
police the first thing they ask you for is your
Driver License or ID? Why, so they can charge it
for any alleged violation. Any time you put in a
credit application you always have to put your
signature and what else? Your social security
number, so they can what? Finance/Charge you,
ok so we can see that through our day today
lives cards and plates that we all poses are
being presented as payment methods and we
never knew that? So somebody is thinking in
each of the examples after I gave my card or
plate they still charged my account linked to
it..ding ding ding so when you pay them the
money, now the so called debt collector is
getting paid twice. Ask yourself this question:
have you ever seen a bill come in a negative?
Don't they always come in a positive balance?
Example Sprint Amount Due: $187. Shouldn't it
say Sprint Amount Due: -$187? Go look at any
of the bills you are paying and see if you find
any bill that is not being reported as a positive
balance, but they are still asking you to pay the
amount due. Look at any collection company
sending you a bill to pay mortgage companies,
student loans and even the IRS. Please tell me
did you find any alleged debt being reported
negatively? So if there is no such thing as debt
and all my bills are already paid, where is this
money coming from? Have you ever heard of
your StrawMan Account?
 StrawMan Account

So what if my brother and I told you that every American Citizen, even
the homeless people sleeping under the freeways are all multi-
millionaires. Would you think we are crazy? Allow me to start from a
time from all of our lives that none of us remember. The day we were
born as babies. When our parents registered us as babies, unknowingly
they passed the ownership of the babies over to the local authorities. If
you think we're crazy listen to this, how is it that a local authority like
Child Protective Series can snatch a child away from their parents, and
take full custody? Can the parents stop them? This authority applies all
the way until that baby reaches the age of maturity as adult. I know
this is not right, not "lawful" and it happens all the time but after the
birth certificate of the baby has been registered, it is now "legal" and
those two meanings are like night and day. Those terms I challenge all
of you to learn the difference.

So, What is a Strawman?

A Strawman is a fictitious legal entity, created with the hope that as a
child grows up, they will be fooled into believing that they are actually
the Strawman(which they definitely are not) and pay all sorts of
imaginary costs and liabilities which get attached to the Strawman by
con artists.

How is a Strawman Created?

It all starts with the birth certificate that parents believed to belong to
their new baby. If the baby has been named 'Jessica' and her family
last name is 'Parker', then you would expect the birth certificate to
have the name Jessica Parker printed on it. If Jessica Parker is printed
on it then we are good to go, and it's a genuine birth certificate and
nothing more. However, if any other name is there, then the document
is not a birth certificate but instead is the creation of a Strawman
masquerading as Jessica Parker. The alternative entries might be read
as any of the following examples: "JESSICA PARKER" "Ms Jessica
Parker", "Parker,Ms Jessica'' or anything else which is not exactly
"Jessica Parker" and nothing else.
 Why Create a Strawman?

Legalese
"Legalese" is a secret language that was invented to trick you. It uses
English words, but attaches secret meanings to those words with the
main intention of stopping you from believing that what they are saying
to you has nothing to do with the normal meaning in the English
language.

The purpose is to cheat and rob you. For example, they will ask you,"Do
you understand?" In English that means Do you comprehend what I am
saying to you? And your automatic response would be YES, mean" I do
comprehend what you are saying to me. Well these sneaky
underhanded people have changed the meaning in Legalese to mean,
"Do you stand under me?" meaning "Do you grant me authority over
you, so that you have to obey whatever I tell you to do?" What's so bad
about it is that they will never tell you that they have switched from
English over to Legalese, and if that is not dishonest, underhand and
treacherous, then I don't know what is! If you answer the question
believing that English is being spoken, then they pretend that you are
contracting with them to become subordinate to them. Whether or not
that is actually true is debatable because that is effectively a verbal
contract between you and them, and for any contract to be valid, there
has to be full and open disclosure of all of the terms of the contract.
Then unreserved acceptance by both parties, and in most cases that
never happens. So what is the point of coming up with a secret
language to trick the average person to be under someone without
evening knowing it? It's simply a trick to fool you into agreeing to
represent your Strawman. Why? That's a great question and to answer
that it takes a bit more explaining and you need a better overall view of
the situation: All humans are born equal, with the complete freedom of
choice and action. If you live in a city with a lot of people then
naturally there will be a few restrictions you get used to but over time
you learn to live with them. These restrictions are for your own
protection and others living near you. These restrictions are called the
Law, but to be exact it's called Common Law.
Common Law is not a bunch of law codes but very simple easy Laws to
understand
You must not injure or kill anyone
You must not steal or damage things owned by someone else
You must be honest in your dealings and not swindle anyone
These laws have been in place for hundreds of years, from disputes
which had been dealt with the use of common sense and the opinions
of ordinary people. These laws only come into play when you're around
a lot of people. If you don't want to deal with them, move somewhere
that's isolated and just stay away from other people. When my brother
and I tell people this, they think that there may be hundreds of other
laws that they need to learn and follow, but that is not the case. These
other laws are called "statutes' ' and keeping them is optional for
everyone, us humans, BUT they are NOT optional for your fictitious
Strawman, and that is why the people who know how to capitalize on
your Strawman Account want to trick you into representing you as a
Strawman. By doing that you become subject to all of the invented
restrictions and charges. Ask yourself if you knew the things below
were optional, would you agree to pay them?

1. Give most of your earnings away in taxes and similar charges?

2. Would you pay to own a car?
3. Would you pay to buy a big flat screen ?
4. Would you pay money to drive on toll roads that were built with your
money?
5. Would you join the military if you were told to?
6. Would you send the military, which is to represent you, into foreign
countries to murder innocent people? Believing the power, we do
but not within this corporation they call The United States of
America.

So ask yourselves, why if the United States is so powerful, why fake

like they are a real government around the world? That's because they
don't want you to understand that they are running a company that
produces nothing of any worth.
Kind of like a casino, where no one ever wins money, and after a while
you wake up and realize that no matter what you have been told your
entire life, to play this game is optional and you don't have to play to
get cheated and ripped off unless you want to. Their goal is to keep
everyone so busy worrying about money, pandemic outbreaks,
recessions, inflation, gas prices and all the other distractions that all
you will do is work and keep paying them their money, so that you want
have the time, money or energy to take a minute and think about what's
happening to you and your family. The United States corporation needs
everyone to keep their scam going, so they make every effort to
connect you with the fiction which is your Strawman because fictitious
entities like commercial companies can't have any dealing with a real
man or woman. They can only deal with another fiction like your
Strawman, and it is imperative that they fool you into believing that you
have to act on behalf of your Strawman which you don't. Again the
homeless people sleeping under the bridge and every American citizen
are all multi-millionaires due to your Strawman accounts. When your
Strawman account was incorporated they assigned enough money that
you wouldn't have to worry about the subject of money. We estimate
that everyone has about $100,000,000.00 that's growing that the United
States has been trading on the stock market ever since your birth
certificate was registered, on behalf of your Strawman. You don't
believe me, go to this website and type in your social security number
with dashes like 123-45-6789 www.gmeiutility.org. When you get on the
site look in the upper right hand corner next to the shopping cart and
click the magnify glass. Once it says search for an LEI put in your
social security number with dashes. The next page that pops up will
show you all the companies and trust around the world who are all
getting paid from your Strawman account. Everyone else is getting paid
from your Strawman Account and it's possible for you to get paid from
it as well seeing that you are the beneficiary of your trust.

BY

THE
MARSHALL
TWINS
 UCC Laws To Fight The Irs
Anyone who has ever owed the IRS knows how they send letters in the
mail and you wonder what will happen if you don't pay them this money
they say you owe them. You start to wonder if they will garnish your
wages and a feeling of anxiety for some people. So let us start at step
1 of the IRS play book, when they send you a Notice of Deficiency this
is called "presentment" in the UCC. It's important that we get you all to
understand the presentment in the world of the UCC and common law.
Suppose I decide to grab a phone book and pick just any random name
from it. I don't know this person, it's a total stranger. So I decide to
send this random person a bill or invoice, on a nicely typed letterhead,
and it would say, "For services rendered $30,000.00 and I send it to the
person, certified mail with return receipt requested to the address I got
from the phone book. So as you may or may not know, the person has
to sign for the letter, before he can open it. So I got a green card
receipt back confirming that he received the letter. When the guy opens
the letter, he finds the invoice for $30,000.00 and the following
statement." If you have any questions or concerns about this bill and
the services rendered, you have 30 days to make your questions or
objections known.

Ok so any logical person would think that the $30k invoice was not real
and somebody was just trying to make them pay for something that
they knew nothing about and just would throw the invoice in the trash.
Big mistake, at the end of that 30 days I now can go down to the
courthouse and get a default judgment against him. Remember, he
received a bill for $30,000.00 and was given thirty days to respond. He
messed up because he failed to object to the bill, or ask any questions
about it. Now he has defaulted on the bill and I can lawfully collect the
$30,000. This is common law and what the IRS does to everyone who
doesn't know the rules of the game.
The UCC game is played with the same rules. The minute you get a
Notice of Deficiency from the IRS, return it immediately with a letter
saying:"The presentment above is dishonored.(Your Name) has
reserved all of his or her rights under the Uniform Commercial Code
pursuant to UCC 1-308. This should be all you need to do, seeing there
is nothing more the IRS can do. We recently helped out a friend in Tx
who received a Notice of Deficiency from the IRS.

Our friend sent a letter saying this,"dishonoring the "presentment." The

IRS wrote back saying that they could not make a determination at that
office, but they were turning it over to the Collection Department. A
letter was attached from the Collection Department, which said they
were sorry for the inconvenience they had caused him, and the Notice
of Deficiency had been withdrawn. Yeaaaaaa, so as you can see when
you handle the IRS properly, these situations can easily be resolved. So
for those of you who owe the IRS remember this, if you get a Notice of
Deficiency from the IRS, it's a presentment from the federal United
States, so you can use the UCC to dishonor it. Make sure you tell the
IRS that you are amongst the National Citizenry of the Continental
United States. Also you are a non-resident alien to the federal United
States. Let them know that you never lived in the Federal Zone(a
federal territory) and you never had any income from the federal United
States. Hear me when I say this,"you cannot be required to file or pay
taxes under the compelled benefit of using Federal Reserve Notes, if
you reserve your Common Law rights through UCC 1-308. The Supreme
Court has declared that Congress can rule what congress creates.
Congress did not create the States, but Congress did create the federal
regions. So Congress can rule the federal regions, but Congress CAN
NOT rule the States.
So here are some facts, you all need to know about the IRS that you
may have never heard, until now. The Internal Revenue Service was
incorporated in Delaware as a collection agency for a Puerto Rico
Company titled the Internal Revenue Tax and Audit Service (IRS)/// A
For Profit General Corporation/// Incorporated 7/12/1933/// File
Number:0325720.

Therefore the Internal Revenue Service must be recognized in its lawful

capacity as a Collection Agency, and not fraudulently be accepted as a
government agency. I know we all were taught that the IRS was a
government entity, but that is far from the truth. The IRS sense they are
not a government entity, they fall under debt collectors, so that means
that they fall under Title 15 of the USC Section 1692e. The IRS is
fraudulently operating under the Department of the Treasury. As a
corporation, the IRS cannot lawfully misrepresent itself to the public by
declaring itself to be a part of the US government. This is a violation of
15 USC 1692e. So when you think of the IRS, what are they known for?
Do you have a good opinion of the IRS? Well Title 15 USC Chapter 41-
Consumer Credit Protection-Subchapter V- Debt Collection Practices
1692 is an act of Congress designed to protect the natural person(you)
(1692a says that the term “consumer" means any natural person
obligated or allegedly obligated to pay any debt) from abusive
collection agency practices? Abusive Collection practices, that is a
nice way to put it when we think of all the lives and households the IRS
has destroyed since their existence in 1933. The reason so many
people lose their court cases with the IRS is that they are not arguing
their cases correctly. The two most important things in law is:
1. to get you to argue about a subject that has nothing to do with the
case.
2. win the court case before you even go to court.

So when people go to court arguing about Title 26 of the Internal

Revenue Code, they base their case on the IRS Debt Collector play book
and not arguing about the debt. So let me help you all understand what
we're saying.
That's like arguing with the mailman, about your light bill being high
this month. lol the mail man has nothing to do with the light company.
This is what you're doing when you try to argue with the IRS trying to
use Title 26 laws, which are not even laws, and the judge would know
this so you would always lose the court case. Also the IRS would have
already won the court case, before they even stepped in the courtroom.
So remember what I told you, the IRS are debt collectors so argue with
them under Title 15, and that way you want to be battling the entire IRS
but the agent that is hiding behind the IRS trying to collect the debt. 1
USC 204 says it's presumptuous, irresponsible and a violation of due
process of law to cite a section from a Code that is not enacted into
positive law: Exhibits-Title 26: Internal Revenue Code. Also a debt
collector may not use false, deceptive or misleading representation. 15
USC 1692e Violation. Every Notice of Deficiency the IRS sends, they
make it seem like they are part of the United States Federal Reserve
and they are not. Heck even the United States Federal Reserve is not a
federal entity but another non-government, private bank. The IRS
personnel have no authority to levy salaries and wages from private
owned companies. The IRS authority is applicable solely to government
agencies and personnel according to 26 USC 6331(a). So when you
know these facts about the IRS, you now can fight back. Their debt
collectors so their power is not endless and they are governed by Title
15 of the United States Code (U.S.C)

Section 609 Credit Dispute Letter Affidavits

Now that we have covered different subjects relating to debt, I hope
you all are researching what we are telling you and you are starting to
see that the subject of credit is complicated. lol again if I told you that
there was no such thing as debt, then you would think why do people
have bad credit then. So this is where we have to put all the knowledge
together and properly dispute creditors. Any credit can be repaired if
you have the patience to deal with all the scare tactics and delays that
the Credit Bureaus throw at you. Our job is to provide you with the
knowledge to properly dispute credit reports the right way.
One of your most powerful tools in credit repair will be the 609 Credit
Dispute Affidavit Letters that we will provide for you. These letters
work and are powerful, so don't let the simplicity of the letters fool
you. Credit Repair takes time and to get positive results vary from
person to person and some disputes can take 3 or 4 rounds of sending
various disputes letters that we will provide in this book, but eventually
these letters will force the credit bureaus to remove all the negative
items from your credit report.

For you to understand how and why these letters will help get all the
negative items off of your credit report, you would have to know a little
bit about different laws like the Privacy Law, U.C.C and U.S.C. As many
of you already know the three main Credit Reporting Agencies are
Experian, TransUnion, and Equifax, but did you ever ask yourself where
the credit reporting agencies get their information from? Well they are
also secondary credit reporting agencies that supply the main three
credit reporting agencies their information to so call verify your
account. lol we will go over how no account is properly verified later in
the book. These main secondary companies are called LexisNexis,
Sage Stream, Core Logic, Innovis, ARS & Chex System are who the big
three credit bureaus check with to gather their information while
validating your disputes.

Anytime you engage in a credit transaction(loan, mortgage, credit card,

etc) with a bank or any other creditor, the information for each of these
accounts will be reported to one or more of these Credit Reporting
Agencies(CRA's) by each creditor. Each month each "credit item" will
be reported in your "credit file" which is indexed under your social
security number, physical address and full name. The Fair Credit
Reporting Act (FCRA) was put into law prior to the electronic and
computer age. Even though the credit industry has been lobbying
Congress to rewrite the laws to meet current technology standards. It
is important to remember that the current version of the Fair Credit
Reporting Act (FCRA) requires the CRAs to have physical copies in their
files of documentation to support each account being reported....
For you to understand how and why these letters will help get all the
negative items off of your credit report, you would have to know a little
bit about different laws like the Privacy Law, U.C.C and U.S.C. As many
of you already know the three main Credit Reporting Agencies are
Experian, TransUnion, and Equifax, but did you ever ask yourself where
the credit reporting agencies get their information from? Well they are
also secondary credit reporting agencies that supply the main three
credit reporting agencies their information to so call verify your
account. lol we will go over how no account is properly verified later in
the book. These main secondary companies are called LexisNexis,
Sage Stream, Core Logic, Innovis, ARS & Chex System are who the big
three credit bureaus check with to gather their information while
validating your disputes.

Anytime you engage in a credit transaction(loan, mortgage, credit card,

etc) with a bank or any other creditor, the information for each of these
accounts will be reported to one or more of these Credit Reporting
Agencies(CRA's) by each creditor. Each month each "credit item" will
be reported in your "credit file" which is indexed under your social
security number, physical address and full name. The Fair Credit
Reporting Act (FCRA) was put into law prior to the electronic and
computer age. Even though the credit industry has been lobbying
Congress to rewrite the laws to meet current technology standards. It
is important to remember that the current version of the Fair Credit
Reporting Act (FCRA) requires the CRAs to have physical copies in their
files of documentation to support each account being reported....It's
imperative that you all understand that the creditors report all of your
credit information to the credit bureaus electronically. They do not
send copies of any physical documents NEVER to the credit bureaus.
IMPORTANT: What this means is that the credit bureaus do not review
and/ or verify any credit applications, signed contracts or any
documents at all before they report the information to your credit
report. The CRA's gladly accept any and all credit items that a creditor
sends to them electronically. They accept these credit items as "true"
and correct and report it belongs to you.
Each month, your bank or creditor send an "electronic file" with the
details of your account to each of the Credit Bureaus(CRA's)
Account Number
Date Opened
Date of Last Activity
High Credit
Balance
Payment Term
Status(borrower, co-borrower, joint)
Historical Status(as agreed, 30 days delinquent)
Amount Past Due
Payment Amount
Customer information secured from credit applications
The Credit Bureaus simply place this information into your credit file
with NO VERIFICATION done as to whether the account is valid or not.
They don't check the information with the creditor or even check to see
if they have the right to report the information into your credit report.
One of the reasons the credit bureaus do this is because the creditors
are considered their true customers, not you the consumer.
Basically, the three main credit bureaus give the creditors the benefit
of the doubt that they are reporting accurate information. So,"Why
would they give the creditors the benefit of the doubt you may ask?"
The main reason is because the creditors pay the credit bureaus to
report the information and the creditor also pays the credit bureaus
each time they pull your credit report. The credit bureaus earn
hundreds of millions of dollars a year reporting anything and
everything on your credit report that creditors provide to them.
Credit bureaus are a "FOR PROFIT" business and they get paid to put
items on your credit report and they get paid when these same
creditors pull your credit report. Creditors are able to charge you a
higher interest rate for the more negative items that are placed on your
credit report. The problem with this method of reporting is that ANY
CREDITOR can essentially report whatever they want about you whether
it is correct or not. There is a major conflict of interest going on here,
do you agree?
The Federal saw a big problem had been created with the way the big
three credit bureaus methods of reporting. They thought they had
solved the problem when they passed what is known as the Fair Credit
Reporting Act (FCRA). The FCRA was supposed to protect the
consumers and govern the activities of Credit Reporting Agencies and
regulate how they report information about consumers. It sounded
good in theory, but as we all know from today's time, I don't think it
worked.

When you study Federal Law and study the case law established in
various court cases pertaining to various sections of the FCRA, you will
see that the FCRA requires that all Credit Reporting Agencies are
supposed to VERIFY ALL INFORMATION received from creditors
BEFORE this information is added to a consumer credit profile.
In order for the CRA's to be able to Properly verify, according to case
law, it involves the credit bureaus having copies of the ORIGINAL
SIGNED CREDIT APPLICATION ON FILE. They are required to have a
copy of the credit application that you signed when you opened the
credit account with the creditor in their files. They are supposed to
have it in their files to show that they verified the information and
accounts that belong to you and to show that they verified the
information before they placed the information on your credit report.
Just to be real the credit bureaus don't review any documents , let
alone keep a copy of your credit application in their files. They NEVER
see any documents. They don't want to see any documents. Another
reason is the Privacy Laws when it comes to sharing your personal
information. What this means is that when you open an account with
Capital One Bank they must get your permission to sell or share your
personal information with any company outside of their brand. That
makes it difficult for the credit bureaus to get any physical information
such as a signed contract or credit agreement from a creditor, if you
did not give that creditor permission to share your information with
companies outside of their brand.
NOTE: For those of you who tried to reference the FCRA(Fair Credit
Reporting Act) to see where it states that the credit bureaus are
supposed to have documents on file to verify the accuracy of every
account reported in your credit profile. I don't have to tell you that this
is federal law, like most laws coming out of the United States Congress
is never in plain English. They have gifted attorneys writing these laws
that are paid by lobbyists working on behalf of the big banks and the
credit reporting agencies. Obviously the Congress men and women do
not go back and read these laws after they have been drafted to see if
the laws are written like they wanted it. The FCRA law is about as easy
to read as the IRS Tax Code. To help save you all some time of
researching we will give you the exact page of the FCRA. This is a 86
page document, but we have broken it down to 4 paragraphs(along with
our paraphrasing these pages) to help you understand where it says in
the law that the credit bureaus are supposed to have written
documents in their files that verify the accuracy of the accounts that's
reported in your credit profiles. Also just so you all know, there are
important case laws(Court Decisions) that we are basing these
paragraphs on. These 4 paragraphs noted below(along with my
paraphrasing reveal why these letters work)

1.Page 3:s609. Disclosures to consumers[15 U.S.C. s 1681g]

(a) information on file: report recipients and sources: Every consumer
reporting agency shall, upon request, and subject to 610(a)(1)[1681h],
clearly and accurately disclose to the consumer.
Paraphrase: The information in the credit bureaus files (not the
creditor files), mentioned above is the information that they store in
their computer base on every consumer. Then 610(a)(1)[1681h]
identifies the proper identification required (driver license and SS card)
+ a written request by the consumers. So it's basically saying that if a
consumer asks the correct way in writing and has properly identified
themselves, the three bureaus are required to disclose to the consumer
exactly what documents are stored within their computer database that
were used to verify the information that is being reported on them.
The reason the CRA's refuse to show anything is because they don't
have anything in their files to show you. Instead, they tell you to
request these documents from the original creditor.

2. Page 37(2) Summary of rights required to be included with agency

disclosures. A consumer reporting agency shall provide to a consumer,
with each written disclosure by the agency to the consumer under this
section- Paraphrase: This says the same thing as above... they will
disclose the information requested to the consumer.

3. Page 37(2),(E), a statement that a consumer reporting agency is not

required to remove accurate derogatory information from the file of a
consumer, unless the information is outdated under section 605 or
cannot be verified.
Paraphrase: There are two instances revealed in subsection (2),(E),
whereby "accurate" derogatory information can be removed.
1. If the information is outdated in Section 605. Example, a Bankruptcy
7 will stay on a consumer credit report for 10 years. After the 10
years are up this credit profile will expire or drop off from their
credit profile. Charge offs, Collections, Repossessions etc all will
report to a credit profile for 7 years before falling off.
2. The information can not be verified. "Verification" is the focal point
of the decision process. Verification is a vague term but is defined
in the terms section of this document on page 7.
4. Page 7(2) Verification (B) of the information in the consumer's
application for the credit or insurance, to determine that the consumer
meets the specific criteria bearing on credit worthiness or insurability.
Paraphrase: This is obviously not plain English and was written by a
gifted attorney. Although (B) deals with credit and insurance for our
purposes here we are only concerned with the credit portion. (2)(B) is
the CREDIT APPLICATION!! If you read closely, it says that it is the
"information" in the credit application that it uses to determine whether
the consumer meets that leading guideline.
How it is supposed to work: Example let's assume you are going to
purchase a car and finance that car. When the Credit department of
that car dealership funds a deal with a lender, the dealer department of
that car dealership funds a deal with a lender, the dealer surrenders
the two most important funding documents: The contract + The credit
application. Once the lender is satisfied with these and the necessary
supporting documents, the lender funds the loan. The lender now has
the responsibility of reporting this consumer's file to the three credit
bureaus.
5. The lender is supposed to send the credit application to the three
credit bureaus to properly verify that this is the correct customer. This
verification piece is important. It's important because the dealership
has to comply with the Patriot Act and other imposed regulations to
properly verify, by securing a copy of the consumer's Driver License.
Also the person signing the contract + the credit application is the
person that was properly identified.
Also the lender used this credit application as proof that the consumer
gave the creditor the right to pull the consumer's report and check on
the person's job, income, residence, references and then approve the
loan. The credit application is the verification piece.
The lender then, on a monthly basis, sends its gigantic email batch file
to the three credit bureaus for every one of their loans. In this gigantic
file, it contains information on every consumer that has a loan with
them. The lender sends exactly what you will see below to the credit
bureaus report. The sent information includes:

Account Number
Date Opened
Date of Last Activity
High Credit
Balance
Payment Term
Status (borrower, co borrower, joint)
Historical Status(as agreed, 30 days delinquent)
Amount Past Due
Payment Amount
Customer information secured from the credit application
The problem is... even though the law requires the credit reporting
agency to verify every account it reports on before reporting on it, the
fact is the lender never, ever, ever sends the credit application to the
three credit bureaus!!! No lenders ever send the credit application;
therefore, the credit bureau NEVER verifies any of this information.
Instead of sending the CRA a copy of the credit application to be
verified, the creditor pulls the credit file of the consumer and the
creditor verifies the information that the consumer puts on the credit
application themselves. The verification process was done backwards.
The law requires the credit reporting agencies to verify the credit
information, not the creditor. This being the case, anything that is
included in your credit report can be removed if you request the credit
reporting agencies right to report the items by forcing them to show
you the proof of verification that is supposed to be in their files. You
can effectively remove both valid negative items, as well as invalid
items this way.

According to the FCRA, if a credit file is going to be reported on a

consumer's credit profile, it has to be properly verified by the credit
bureau. Each item included in a credit report has a verification piece,
but the bureaus never have it. The FCRA tell us that the bureaus will try
to tell you to go directly to the creditor and request this information
instead of asking the credit bureaus for this documentation.
This is not good considering the lender is an unscrupulous court
employee, or a collection agency, or debt buyer, who could report
anything that they like onto your credit profile in an attempt to gain
leverage against you to collect on an alleged debt. They also could be
trying to justify to you why they are charging you a higher interest rate.
The Section 609 Credit Dispute Affidavit Letters used to dispute your
negative credit items are directed towards the three credit bureaus, not
the creditor. Simply put, we don't care what documents the creditor has
in their files. Our argument is that according to Section 609 of the
FCRA, and backed up by various established case law, credit bureaus
are required to send me a copy of the documents they used to verify
the accounts we dispute. If they do not have a copy of the document(s)
used to verify our accounts then that means they did not verify the
account and the FCRA tells us that the credit bureaus are required to
delete all "unverified" items.
"Why don't the credit bureaus keep files if the FCRA requires them to?"
The reason being is that the credit bureaus would have to review
millions and millions of paper documents and then keeping those files
on their location prior to reporting the accounts into your credit profile
would be extremely difficult and time consuming. It would cost a
fortune in man power to accomplish this task. So rather than go
through this great expense, they instead set up an electronic reporting
system and it relies on creditors to submit documentation to you, if
you challenge any of the items on your credit profile. Again, it all
sounds good in theory, but doing it this way does NOT comply with
current law.

The Credit Reporting Agencies simply have chosen NOT to verify the
accounts in the manner that the law was written. They have never
complied with the law and have gotten away with it and their attitude is
that we have managed to get the law written using confusing legalese
and we have lobbyists who keep the FTC from having to provide
consumers with interpretation of various loopholes in the FCRA, so we
are good. Their attitude is; if there are a few people who file disputes
and request proof of verification and who continue to challenge us
after we use our scare tactics and delay tactics, we will eventually
comply with their requests.

Never is there an exchange of the original signed contract documents

ever takes place between the creditor and the Credit Report Agencies.
The CRS's just report the information provided by the creditors and
falsely "assumes' ' that it is valid and correct simply because it is being
reported to them. When asked to VERIFY the information the CRA's will
simply send an electronic communication to the creditors asking"Is
this information correct" and the creditor will usually respond back
saying"Yes the information is correct ''. Then the CRA's will send you a
letter or a copy of your credit report with a notation that will say,"We
have researched the credit account. The results are: we have verified
that this item belong to you."
The sad truth is, no one at the credit bureaus ever actually verifies the
actual credit application or any other documentation.

How do we know that this is the way they deal with disputes? We know
this because we have read the transcripts where employees from
various credit bureaus have admitted under oath that this is how it is
done when they testified under oath in various lawsuits pertaining to
the FCRA.

If you was not aware of this, don't feel bad. Most consumers HAVE NO
IDEA that this is how credit items are verified. The Credit Reporting
Agencies are in violation of Federal Law's when they do this, and they
know they are, but since 99.9% of consumers do not know their rights
they don't do anything about it. Why should they go to all that expense
when they don't have to? To add insult to injury, the FTC(Federal Trade
Commission), which is supposed to regulate the Credit Bureaus and
enforce the Fair Credit Reporting Act, refuses to step in when you file a
complaint with them or complain that the credit bureaus are refusing
to send you copies of the verification that you are requesting.

Today, if you file a complaint with the FTC, they will send you a "form
letter" that states, "We cannot act as your lawyer or intervene in a
dispute between a consumer and a credit bureau or between a
consumer and a creditor, or furnisher of information. The private
enforcement provisions of the FCRA permits the consumer to bring a
civil lawsuit for willful noncompliance with the Act." They will go on to
inform you that if you choose to sue a credit bureau, the FCRA allows,
you may receive actual damages and/or punitive damages up to $1,000
per violation for the credit bureaus willful noncompliance with the Act
(Section 616) as well as for negligent noncompliance and you will be
able to recover actual damages sustained by you(Section 617) and that
attorney fees will be allowed for both forms of your civil action, if you
win the lawsuit. Even though the FTC is supposed to exist to protect
the consumer and to enforce the FCRA they will tell you that they can
not force the credit bureaus to comply with the law, but instead they
will suggest that you consult with a private attorney if you feel the
credit bureaus are not complying with the law.
On the surface, this is very disturbing and discouraging. Well, it is and
it isn't, let me explain why. The truth of the matter is that the credit
bureaus are a BIG FOR PROFIT CORPORATION that have set up their
own way of doing business and have indoctrinated the masses and
lobbied the various government officials into believing that they are
doing everything correct above and beyond, what the law requires them
to do.

"Why do they get away with it?" They get away with it because hardly
anyone challenges them, but guess what? The credit bureaus back off
when somebody challenges them the "right way". They don't want to
get sued and have to go to trial; therefore, they very seldom force you
to sue them before taking the negative items off. Not because it will
cost a lot of money. They have the money and resources to drag a
lawsuit through the court system for years. We believe that they don't
want to risk the publicity and have the masses find out about this,
especially during the current economic crisis we are going through
right now. The credit bureaus know that if they get sued and the case
goes to trial, they will lose and then there will be case law on the
record that could get the attention of hordes of attorneys across the
country and then their entire business model would be in jeopardy. The
good news is, if you challenge the credit bureaus"right to report" an
account and show them that you know your rights, they will comply
with your requests assuming you can get your letters through to a real
human being.(More on that later) After all, the number of people who
know how to do a proper dispute based on section 609 the right right is
far between. So when they receive a valid dispute based on Section
609 they quietly comply.

It's really not a big deal to them considering we are like a grain of sand
on the beaches of the world. As long as you serve them with a valid
dispute in writing and you don't give up after receiving their "standard
delay or intimidation reply" that they have verified the items as being
valid, you will be one in a million. See in their eyes you are not a threat
to their business model so they will quietly remove the items that you
request them to.
Valid Negative Credit Items vs
Invalid Items

The credit bureaus propaganda machine has tricked the masses into
believing that it is impossible to get accurate credit items removed
from your credit profile . Stop, the truth of the matter is, that is FALSE.
As we discussed, before the law is not written in plain English and
almost impossible to understand, but "Page 37(2),(E), a statement that
a consumer reporting agency is not required to remove accurate
derogatory information from the file of a consumer, unless the
information is outdated under section 605, or cannot be verified." This
clause in the FCRA clearly states that they are required to remove
accurate information if it cannot be verified. Most people falsely
believe there is NO HOPE in removing "valid" derogatory"information
from their credit report and eventually give up. Nothing could be
further from the truth.

Under the FCRA, Credit Reporting Agencies (Credit Bureaus) must

provide a copy of the verifiable original creditor documentation if it is
requested properly by you, the consumer. Since they cannot provide
proof of verification to you in the form of a physical contract document
per your written request to do so- the account is classified as
"UNVERIFIED" and under the FCRA -all UNVERIFIED accounts MUST BE
DELETED. Whether the account is correct or not, makes no difference.
If the CRA's cannot provide you physical verification of the account-it
is an UNVERIFIED account and MUST BE DELETED.

Remember the time it takes to get the credit bureaus to remove all of
the negative items off of your credit profiles that you dispute will vary
from person to person. Some of you may send letter #1 and get
virtually all of the negative items removed in less than 30 days.
Another person may send letter #2 and only get a few accounts
removed. Or a third person may send out letter #1 and get the credit
bureaus standard denial form letter or their intimidation denial letter.
Regardless of the results you get, it is important to be persistent and
diligent. If after he first round of letter #1 disputes there is still
derogatory information remaining on your credit report then you simply
send the next letter that we give you in this book and make sure you
emphasize that this is your "second " written request for them to send
you copies of their verifiable proof the amount in question or have the
items deleted as per Section 609.
Without getting into all the details of the duties and restrictions put on
credit bureau employees, and to help make a long story short, it
suffices to say that these employees have to deal with thousands of
files each day, which means they can only spend a few minutes on
each file, if they want to meet their quota for each day. So even though
you got your dispute letter rejected by the computer and into the hands
of a real live human, these people may still ignore your letter. Then
they would automatically get the computer to send you another type of
"form letter" we call the "Intimidation Rejection Letter Form".
TransUnion, Equifax & Experian may send you a form letter saying
something like this:

"We have received a suspicious looking request regarding your

personal credit information that we have determined was not sent by
you. We have not taken any action on this request and any future
requests made in this manner will not be processed and will not
receive a response."

Or you may receive a letter back from them that asks you, if you are
doing business with a credit repair company or whether or not you paid
a company to help you draft your dispute letter and they may ask you
to fill out a questionnaire and return it to them before they will review
your dispute. DO NOT FILL OUT ANYTHING and return it to them. ONLY
use the letters in this book.

These types of intimidating responses are designed to discourage you

and/or scare you into believing that you are doing something wrong
and get you to abandon your dispute. Credit bureaus do not like it when
consumers file disputes because it costs them time and money to do it
even if they just mail you back a "rejection form letter". They get tens
of thousands of letters a day which translates into hundreds of
thousands of dollars to deal with all of these letters coming in. The
quicker they discourage or scare you away, the better it is for their
profits. To further scare you into submission, they may also include
something like this:

"Suspicious request are taken seriously and reviewed by security

personnel who will report deceptive activity, including copies of
letters deemed as suspicious, to law enforcement officials and to
state or federal regulatory agencies."
If you notice with each of the Section 609 Affidavit Credit Dispute
Letters, you are including a notarized copy of your Driver License
and/or a picture ID, and a copy of your Social Security Card.

Section 610(a)(1)[1681h] of the FCRA stipulates that a credit bureau is

only required to respond to a dispute from a consumer, if it is in writing
and if the consumer properly verifies that they are who they say they
are using proper identification. A copy of a valid driver license showing
an address that matches up with the address showing on your credit
report. A copy of your social security card is considered a valid
identification. By providing all of this information, there is no question
whatsoever that YOU are the one making the written request.

IMPORTANT: Make sure that the address showing on your driver

license is the same address that shows up on your credit report. If it
doesn't, then I highly recommend that you go down to your DMV and
tell them that you lost your driver license and you want to order a new
one with your current address on it. If you don't tell them that you lost
your old card, they will just issue you a change of address card which
the credit bureaus may not accept. Therefore we highly suggest having
your current address showing on your identification card. Sometimes if
the information on your driver license doesn't match up then they will
accept a copy of two utility bills that's showing your name and
address, which matches up with the same name and address showing
on your credit report.

Also if you can't find your social security card, the way around that is
to make a copy of a pay stub or W-2 form that shows your name and
SSN on it.

Before you start the dispute process, you should go down to the FedEx
store, or your local copy center and get about 12-15 copies made with
both your driver license and SS Card so that you have them available
when it is time to start mailing dispute letters off and responding to
the credit bureaus intimidation or delay letters. IMPORTANT: If you get
some resistance from the Credit Bureaus , do not be alarmed and DO
NOT GIVE UP! They don't play fair and very seldom do they comply
after only receiving your first letter. If they send you a intimidation or
rejection letter like we discussed earlier, just send the next round of
dispute letters and remind them that this is your 2nd written request!
If they send you a form to fill out and return to them DO NOT fill out
any forms and return it to them. Only use the letters that are in this
book. Keep sending the letters DEMANDING the Credit Bureau either
provide the verifiable proof or DELETE the Unverified item. It may a
take a few rounds of disputes and determined persistence, but all
"Unverified" items must and will be deleted from your credit profile.
In the extreme cases when the Credit Bureaus are ignoring your
multiple written request, you can file a lawsuit and sue the Credit
Bureaus for damages under the Fair Credit Reporting Act (FCRA)
and/or file a formal complaint with the Federal Trade Commission
(www.ftc.gov) for violations of the FCRA. Also let's not forget about
the CFPB who is a government agency put in place to regulate the
Credit Bureaus (www.consumerfinance.gov). You can file complaints
with all of these government agencies and last once for FCRA
Violations is (www.ftc complaint assistant.govz)

IMPORTANT: We recommend that you DO NOT APPLY FOR ANY

ADDITIONAL CREDIT DURING THE DISPUTE PROCESS, and DO NOT
allow anyone to pull your credit during this time also. UNLESS it is
absolutely necessary.

If you are currently in debt and are unable to make all of your monthly
payment obligations to any or all of your creditors, then you need to
know how to deal with these creditors. This is critical not only to the
credit dispute process, but it is critical that you not speak to any debt
collector over the phone. You must only communicate with them in
writing. If you only communicate with them in writing and you do it
properly, then there is an excellent chance that you will be able to walk
away from any outstanding debt, without getting sued and without
having to pay any money back. If you are in this situation, then you
need to deny all debt.

Under the Federal Law, once per year, you can receive a FREE credit
report. Nowadays the Credit Bureaus all offer FREE credit monitoring
through their websites individually. If you want all three scores, then it
will cost you.
Step 1: Pull a Credit Report from Experian, Equifax & TransUnion
Go to www.annualcreditreport.com to get copies of your FREE credit
reports: If you are lucky, you will be able to access all the three credit
reports online immediately. But beware, your online request might get
denied because they may say they cannot verify that you are who you
say you are. If that is the case, don't give up. All you have to do is print
out the forms that come up on your screen and fill it out and mail it to
the address that is on the form and include a copy of your driver
license and SS card as proof of identification. It will only take a few
days and you will either receive a copy of your credit report in the mail
and/or, they will mail you a link to go to that will enable you to
download a copy of your report.

(Note: If you have already used your FREE Report for the year, you
may have to purchase a new report.)

Step 2: Review Each Credit Report & Identify All of The NEGATIVE
Items that you want to be REMOVED. Make a list:
(See Sample Below) Name of Account:
1. Chase Bank
2. B of A
3. Palisades Collection
4. Midland
Account Number:
533376304023... 424492101261... PAL3CHSARB8275...
3452676554422525...
NOTE #1:
The negative accounts that you want to have deleted are easy to find.
Usually there will be a section on your credit report titled: The
Following Accounts that may be considered negative:
NOTE #2:
The account numbers listed for each account shown on your credit
report are always partial account numbers. Don't worry, that is all you
need to write onto your dispute letters. All you need to do is write in
the same partial account number beside the Name of Account as see in
the above examples After you complete your list, you will be "Hand
Writing" both the Name of Account and the Account Number onto the
letter. Remember, that is important if you want to get your dispute
letter seen and read by a real live person, which increases the chances
of getting the negative item removed with the first letter or the 2nd
letter.
After you have compiled your list of negatives for each credit report,
you will need to open the Section 609 Affidavit Credit Dispute Letter #1
for the first credit bureau. Do this one credit bureau at a time.
NOTE #3:
Before you start, I recommend that you create 3 separate folders:
Experian
Equifax
TransUnion
Then copy each of the letters #1, #2, #3 and #4 for each of the folders.
Then, let's start with Experian. Plug in your name, address, etc then
Print out the letter and then hand write in the accounts and the partial
account numbers for each account that you want deleted and also add
the word "Unverified Account".

Name of Account Account Number Provide Physical Proof of

Verification
NOTE #4: Like in our example above as you should handwrite in
account information and when your writing slant the lines a bit so it is
not straight in case you're someone that likes to write with neat
handwriting. Otherwise, the scanner will probably be able to read the
handwriting font whereas it is unlikely it will be able to read your own
handwriting, especially if you use a blue ink pen and the lines are
slanted a bit or crooked.

NOTE #5: If you have more than 22 negative accounts on your credit
report, make sure that you Only dispute a maximum of 22 accounts at
one time. Attempting to dispute more than 22 accounts at one time
could cause the Credit Bureaus to classify your dispute as frivolous
and do nothing. they have the right to do that.

STEP 3: Attach a copy of your Social Security Card & Driver's License
to each letter that you send them including letter #2 etc.
Once you complete each letter, simply get the letter notarized, include
a photocopy of your Social Security Card and ID card (Driver's License
or Passport) as proof of your identity and mail the letter to the credit
bureaus CERTIFIED MAIL(This will enable you to track delivery of your
letter and provide proof that it was received by the Credit Bureau) if
they end up doing nothing. That would be nice considering they would
have to delete all of the items you requested once you showed them or
the court your proof of delivery.

STEP 4: Hand write the envelopes, don't type. Handwrite your return
address and the Credit Bureau address on the envelope, so the credit
bureau treats the dispute letter as if it is from an individual which
means that they are more than likely to take longer to open your letter,
which means they will take longer to deal with it and with that being
said, there is a better chance that they'll remove the items quicker. The
3rd world workers who handle the dispute letters have strict quota
rules to abide by if they want to keep their jobs. So, when they get
behind they have two options:

1)Send out the "we have verified form letter"to the stack of letters that
they are behind on.
2)Or delete all of the disputed items on the stack of letters that they
are behind on.
This letter is my formal written request for you to investigate the
following "Unverified" accounts listed below: According to the Fair
Credit Reporting Act, 15 U.S.C 1681 your company is required by
federal law to verify-through physical verification of the original signed
consumer contract- any and all accounts you post on a credit report to
assure maximum accuracy. Without proper verification by your
company, anyone paying for your reporting services could fax, mail or
email in a fraudulent account.

I demand to see a copy of the Verifiable Proof (an original Consumer

Contract with my Signature on it) that you used to verify that the
account belonged to me the first time you reported the account on my
credit report. Your failure to properly verify these accounts belonged to
me the first time you reported the account on my credit report. Your
failure to properly verify these accounts has hurt my ability to obtain
credit. Under the FCRA 15 U.S.C 1681, unverified accounts must be
promptly deleted. If you are unable to provide me with a copy of the
verifiable proof that you have on file within 30 days for each of the
accounts listed below then you must remove these accounts from my
credit report. Please provide me with a copy of an updated and
corrected credit report showing these items removed.

I demand the following accounts be verified or removed immediately.

Name of Account: Account Number: Provide Physical Proof of
Verification

1. Chase Bank #54448212033

(Hand write this information with a blue ink pen)
Make sure you don't have more than 22 accounts listed above
*Please also remove all non account holding inquires over 30 days old
Thank You,
Sign your name here
(Your Name Here)
Attached: Copy of my Social Security Card & Driver License is attached
Sent:USPS Certified Mail
Unverified Account
Make sure you have clear copies of your identification documents.
They must be legible or the credit bureaus will reject them. This first
round of dispute makes sure you attach Proof of Address, Your DL or
ID & SS Card and send all the docs via certified mail.
Your Full Name Address
City, State Zip code SSN: 000-00-0000
Equifax
P.O Box 740256 Atlanta, GA 30374
DOB: 1/1/1989
July 3, 2022

Please be advised that this is my SECOND WRITTEN REQUEST for you

to remove the unverified accounts listed below that remain on my
credit report in violation of 15 U.S.C. 1681. You are required under the
FCRA to have properly verified that an account listed on my credit
report is mine by having a copy of the original credit application on
file. In the results of your first reinvestigation, you stated in writing
that you "verified" that these items are being "reported correctly". Who
in your company verified these accounts: How did they verify them?
Please provide me with the name of the individual, business address,
and telephone number of the person or business contacted during your
reinvestigation. Also, tell me why didn't you send me copies of the
verification like I asked you to ?

As I am sure that you are well aware, current case law states that
Consumer Reporting Agencies bear grave responsibilities to ensure the
accuracy of the accounts they report on and their responsibility must
consist of something more than merely parroting information received
from other sources. The Courts have ordered that a "Reinvestigation"
that merely shifts the burden back to the consumer and the credit
grantor cannot full fill the obligations imposed by U.S.C 1681(a)(4)

You have NOT provided me a copy of ANY original documentation that

you have on file that is required under Section 609 & Section 611(a)(1)
(A) (a consumer contract with my signature on it) and under Section
611(5)(A) of the FCRA- you are required to "promptly DELETE all
information which cannot be verified."
The law is very clear as to the Civil liability and the remedy available to
me for "negligent noncompliance (Section 617) If you fail to comply
with this Federal Law. I am a litigious consumer and fully intend on
pursuing litigation in this matter to enforce my rights under the FCRA. I
demand the following accounts to be verified or deleted immediately.
Name of Account: Account Number: Provide Physical Proof of
Verification

1. Chase Bank #54448212033 Unverified Account

(Hand Write this information with a blue ink pen)
Note: If they have already removed some of the items that you listed on
your first round of disputes, then remove them from your list, do not
dispute them again on this 2nd round of disputes.
Thanking you in advance for your anticipated quick cooperation on this
matter. Thank you,
Your Signature Here
_____________________________ (Signature of Affiant)

John Doe
1235 Wilshire Blvd Los Angeles, CA 90017
Subscribed and sworn to before me, this 30th day of April, 2022.
NOTARY SEAL:
______________________ (signature of Notary)
______________________ (print name of Notary)
NOTARY PUBLIC
MY commission expires: __________,20___.
Attached: Copy of my Social Security Card & Driver License is attached
Sent: USPS certified Mail
Your Full Name Address
City, State Zip code SSN: 000-00-0000
Equifax
P.O Box 740256 Atlanta, GA 30374
DOB: 1/1/1989
August 6, 2022
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL
WARNING that I fully intend to pursue litigation in accordance with the
FCRA to enforce my rights and seek relief and recover all monetary
damages that I may be entitled to under Section 616 and Section 617
regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still
remain on my credit report in violation of Federal Law. You are required
under the FCRA to have properly verified that an account listed on my
credit profile is mine by having a copy of the original credit application
on file. In the results of your first investigation and subsequent
reinvestigation you stated in writing that you "verified" that these items
are being "reported correctly". Who in your company verified these
accounts are mine? How did they verify them? You still have not
provided me with the name of the individual, business address, and
telephone number of the person or business contacted during your
reinvestigation. You have NOT provided me with a copy of ANY original
documentation(a credit application with my signature on it) as required
under Section 609 & Section 611(a)(1)(A). Furthermore, you have failed
to provide the method of verification as required under Section 611(a)
(7). Please be advised that under Section 611(5) (A)of the FCRA- you
are required to "...promptly DELETE all information which cannot be
verified."

This law is very clear as to the Civil liability and the remedy available
to me (Section 616 & 617) if you fail to comply with Federal Law. I am
a litigious consumer and fully intend on pursuing litigation in this
matter to enforce my rights under the FCRA.

I Demand that you send me copies of the documents you used to verify
the following accounts listed below or you delete them immediately.
Please provide me with a copy of an updated and corrected credit
report showing that these items have been deleted.

Name of Account: Account Number: Provide Physical Proof of

Verification
❖ Chase Bank #54448212033 Unverified Account
(Hand Write this information with a blue ink pen)
Note: If they have already removed some of the items that you listed on
your first & second letters then remove them from your list on this
letter.
Thanking you in advance for your anticipated quick cooperation on this
matter. Thank you
Your Signature Here
Your Name Here __________________ (signature of affiant)

Attached: Copy of my Social Security Card & Driver License is attached

Sent: USPS Certified Mail

Your Full Name

Address
City, State Zip code
SSN: 000-00-0000 DOB: 1/1/1989
Equifax
P.O Box 740256 Atlanta, GA 30374
September 4, 2022
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY
DAMAGES UNDER FCRA SECTION 616 & SECTION 617
Please accept this final written OFFER OF SETTLEMENT BEFORE
LITIGATION as my attempt to amicably resolve your continued violation
of the Fair Credit Reporting Act regarding your refusal to delete all of
the UNVERIFIED account information from my consumer file.

Your failure to provide me with verifiable proof required to post the

accounts listed below proves that it does not exist and is therefore
"Unverified". I intend to pursue litigation in accordance with the FCRA
to seek relief and recover all monetary damages that I may be entitled
to under Section Section 616 and Section 617 if the UNVERIFIED items
listed below are not deleted within 10 days. A copy of this letter as well
as copies of the other three written letters sent to your previously will
also become part of a a formal complaint to the Federal Trade
Commission and also shall be used as evidence in pending litigation
provided you fail to comply with this offer of settlement.
Despite my three written requests, the unverified items listed below
still remain on my credit report in violation of the Federal Law. In the
results of your investigations, you stated in writing that you "verified"
that these items are being "reported correctly"? Who verified these
accounts? How did they verify them? You still have not provided me
with the name of the individual, business address, and telephone
number of the person or business contacted during your
reinvestigation. You have NOT provided me a copy of ANY original
documentation (a consumer contract with my signature on it.
Furthermore, you have failed to provide the method of verification as
required under Section 611(a)(7). Please be advised that under Section
611(5)(A) of the FCRA- you are required to"....promptly DELETE all
information which cannot be verified."

This law is very clear as to the Civil Liability and the remedy available
to (Section 616 & 617) if you fail to comply with Federal Law. I am a
litigious consumer and fully intend on pursuing litigation in this matter
to enforce my rights under the FCRA

In order to avoid legal actions, I demand that you send me copies of

the documents you used to verify the following accounts listed below
or you delete them immediately. Please provide me with a copy of an
updated and corrected credit report showing that these items have
been deleted.

Name of Account: Account Number: Provide Physical Proof of

Verification

1. Chase Bank #54448212033 Unverified Account

(Hand Write this information with a blue ink pen)
Note: If they have already removed some of the items that you listed on
your first 3 letters than remove them from your list on this letter.
My commission expires: ___________,20___.
Attached: Copy of my Social Security Card & Driver License is attached
Sent: USPS Certified Mail
Over time, if you have to file a complaint with the CFPB, FTC and/ or
your State Attorney General, you will have a strong supported case
against the Credit Bureaus and this evidence will be invaluable should
you ever have to go to go to the unusual extreme of filing a lawsuit to
seek damage. In this book you have learned the proper way to dispute
your credit profile. Trust the process, it truly works, you will be amazed
at the results.

Thank you,
Your Signature Here
Your Name Here ____________________________
(signature of affiant)
John Doe
1235 Wilshire Blvd Los Angeles, CA 90017

Subscribed and sworn to before me, this 6th day of September, 2022
NOTARY SEAL:
_______________________________ (signature of Notary)
_______________________________ (print name of Notary)
NOTARY PUBLIC
My commission expires: ___________,20___.

Attached: Copy of my Social Security Card & Driver License is

attached Sent: USPS Certified Mail

Over time, if you have to file a complaint with the CFPB, FTC and/ or
your State Attorney General, you will have a strong supported case
against the Credit Bureaus and this evidence will be invaluable should
you ever have to go to go to the unusual extreme of filing a lawsuit to
seek damage. In this book you have learned the proper way to dispute
your credit profile. Trust the process, it truly works, you will be
amazed at the results.
IMPORTANT: Every time you send one of the letters to the credit
bureaus , make sure you remember to include a copy of your Driver
License and Social Security Card. Letter One make sure you send a
utility bill or a front page of a bill to prove your residency. Remember in
the beginning we said make 12 or 15 copies of your docs so when you
need them, they are already available to mail out. If you forget to
attach a copy of your Identification documents to each letter you will
probably get a reply after waiting 21-30 days that saying that they are
unable to respond to your request because they do not have any proof
of who you are attached to the dispute letter. That is another delay
tactic the credit bureaus like to pull to discourage you and to buy time.
After they receive your first dispute letter the Credit Bureaus have 30
days to investigate your dispute and send you a reply. In most cases,
they will send you an "acknowledgment letter" that appears to state
that they will not investigate your dispute and/or they will tell you that
you are illegally trying to dispute legitimate items on your credit report
and they may ask you to fill out a form or questionnaire and return it to
them. DO NOT FILL OUT ANY FORMS and return it to them. All you need
to do is respond to them with the next round of dispute letters that we
have provided for you in this book.

Note: Sometimes the credit bureaus will remove 2 or 3 of the items

you're disputing and leave 4 or 5 of them to remain on your credit
report after your first or second letter. If this happens, just continue on
with the next round of dispute letters, and in the next letter make sure
that you don't list the "removed" accounts that have already come off
from your previous rounds of disputes.
BONUS: How to Write a Affidavit
of Truth

An affidavit uncontested unbuttered unanswered, Morris v National

Cash Register, 44 S.W. 2D 433 Morris v National Cash Register, 44 S.W.
2d 433, clearly states at point #4 that "uncontested allegations in
affidavit must be accepted as true."

We invite you to look up all the cases we cited above on your own time
to further see the power of the Affidavit of Truth, but I highly suggest
you save these cases because you will more than likely have to cite
these cases against these debt collectors when you use your Affidavit
of Truth. One thing that you all should remember about an Affidavit is,
an Affidavit can only be rebutted with an affidavit, and that counter
affidavit must rebut your affidavit line by line. So do debt collectors
respond to our affidavits with affidavits? My brother and I have been
dealing with these zombie debt collectors. From debt collectors,
Student loans, cars, credit cards, etc. None of them have ever
responded to our Affidavit of Truth with an affidavit. Yes they respond
back with long statements and contracts which they claim bare our
signatures. One thing that never happens is that they respond back
with an Affidavit of Truth rebutting our facts. Why is that? Simply
because they can not. A corporation is not living, and because of that,
they can never truly defend themselves like a natural person. If you
want proof, call any debt collector and ask to speak to that debt
collector. Not a representative, or an employee, but the actual debt
collector! It will never happen because a corporation can not speak. So
they will never rebut your Affidavit of Truth because they can not. Once
your Affidavit is sent and they respond with a long statement and a
bunch of old mail with your address and maybe a contract, remember,
this is not a valid response to an Affidavit of Truth, and at this point
they have defaulted. The Affidavit of Truth is simply used to make
these collection companies default and give you the consumer even
more power. Next we will show you all how to draft your own Affidavit
of Truth. We will show you what it consists of. We will show you below
and give you an Affidavit of Truth template you can copy and edit and
draft your own for yourself.
6 Steps to Writing an Affidavit of Truth
1. Title the Affidavit
2. Draft a statement of identity
3. Write a statement of Truth
4. State the facts
5. Certify under the penalty of perjury/reiterate statement of truth
6. Sign and notarize
7. The most important part of this six part process is to get your
Affidavit of Truth NOTARIZED. Any Affidavit of Truth that is not
notarized is just hearsay, and hearsay is not admissible in court

We know what you're thinking, "why are they talking about court if I'm
not physically in court? Always remember, court starts in the mail, and
you should always handle your affairs against these zombie debt
collectors as if you're in the middle of a full blown court proceeding.
Below is a template of an Affidavit of Truth, I will number the six parts
so it makes sense. You will be able to reference each part. We will not
use the name of the natural person, so we will just call him "Consumer
Lee."

1. Affidavit of Trust
2. Notice to all, I , am that I am, the consumer in fact, natural person,
original creditor, lender, executor, administrator, holder in due
course for any and all derivatives thereof for surname/given name
LEE, CONSUMER, and I have been appointed and accept being the
executor both public and private for all matters proceeding, and I
hereby claim that I will d/b/a CONSUMER,LEE and autograph as the
agent, attorney in fact, so be it;
3. Whereas, I of age, of majority, give this herein notice to all, I make
solemn oath to the one and only most high of creation only,
whoever that may be, and I depose the following facts, so be it, now
present:
 1. Fact, I am sure the removal of my information from your website,
company records, or any and all derivatives therefore, of, and/or
with any affiliates will ensure my privacy rights won't be violated
again due to my lack of consent and this herein unrebutted
Affidavit of Truth being serviced to you today and therefore,
standing as truth in commerce, so be it, and;
2. Fact, please show good faith in this matter by expediting the
securing of the alleged information listed on your site in order to
avoid me receiving further injury, damages, mental anguish, and
losses due to me being a victim of identity theft, so be it, and;
3. Fact, affiant is aware and has proof in the attachment labeled as
Exhibit A and Exhibit B that Zombie Debt Collector Inc is in
violation of 15 USC 1692b(2)
4. Fact, affiant is aware and has proof in the attachment labeled as
Exhibit A and Exhibit B that Zombie Debt Collector Inc is in
violation of 15 USC 1692b(5)
Fact, affiant is aware and has proof in the attachment labeled as
Exhibit A and Exhibit B that Zombie Debt Collector Inc is in violation
of 15 USC 1692d(1)
Fact, affiant is aware and has proof in the attachment labeled as
Exhibit A and Exhibit B that Zombie Debt Collector Inc is in violation
of 15 USC 1692b(2)
Fact, affiant is aware and has proof in the attachment labeled as
Exhibit A and Exhibit B that Zombie Debt Collector Inc is in violation
of 15 USC 1692b(5)
1. Thank you,

5. I swear to all information provided herein, I do so under the penalty

of perjury that the information I so affirm to be true, correct, accurate
to the best of my ability and knowledge, so be it;

I do not accept this offer to contract

I do not consent to these proceedings
I do require subrogation of the bond to settle the charge
On the date of 04/21/20_ CONSUMER,LEE agent, d/b/a First Middle
Last came before me today present as a flesh and blood living being
(non entity/non debtor) under oath to the most high of creation only
and provided the facts listed herein.
Your name printed_____________________
Your signature__________________________
Sworn to or affirmed by and subscribed before me on the ______day of
___________, year 20__
_________________________Notary Name
_________________________Notary Signature
6. Notary Seal: ALWAYS GET AFFIDAVIT OF TRUTH NOTARIZED!
This is a template, so we do not mind you using it, but we prefer you
to challenge yourself and draft up your own. Also, the term affiant
refers to you as the consumer. So, whenever you see the term affiant
in an affidavit, it is referencing the consumer to whom it relates. Also,
keep in mind that law is never based on merely what you know, but
always what you can prove. This is why exhibits are so important. If
you pay close enough attention to the Affidavit of Truth, you will
notice that it never requests anything from the Zombie Debt Collector.
The affidavit just merely states facts. Did it ask for money? Did it ask
for deletion? No, it does not. It gives the debt collector an opportunity
to rebut it. How can an Affidavit of Truth be rebutted? It can only be
rebutted with an affidavit, and that affidavit must rebut your affidavit
line by line. Once we have found our violations, labeled our exhibits,
and drafted our Affidavit of Truth. What is next? INVOICE! We need
proof that we granted the debt collector a chance to settle their debt
with us for their violations. So you want to count up your violations
and put your invoice together. There is no right or wrong way to draft
an invoice, but send it out and let us get you PAID!!!!
 Words From the Authors

BY

THE
MARSHALL
TWINS

Like my brother and I said in the beginning when we first decided to

take our credit profiles into our own hands it opened up and rabbit
hole that we are too deep to turn back now. Credit Repair is more
than just a few 609 letters, your credit profile can determine, where
you live, the car you drive and can even effect where you work at.
This three digit number called a Fico score can dictate a lot in our
lives without us realizing it until we actually need credit. With these
current economic times its now more important than ever to get
your credit 700+. As times get harder, lenders will start to get more
conservative and tighten up on their lending criteria. Once your
personal credit is good, then we would love to help you go through
funding so that you can have the money to buy a business or invest
in an income producing asset. Once you have your business
established we will show you how to develop business credit and
teach you how to make your business LENDABLE.
 Feel free to check out that book we wrote called
"Building Business Credit The Right Way: With The
Marshall Twins.

LemarMarshall_Twin1 PaulMarshall_Twin2

On behalf of The Marshall Twins Paul &

Le'Mar Marshall we want to say thank
you for taking time to read our book.
We hope you learned a lot, this book
was designed to make you think. In our
mentorship program we go more into
details on these subjects and will show
you how to implement it into your life.
Until the next book, remember you have
the power.