My name is Melissa Madeline, and I am dedicated to helping you restore your credit and educating our communities on the vitality of financial literacy and offering sustainable solutions to changing the financial status of families and generating wealth.
Your Credit score is the heart of your finances, so it is vital to ensure that the information that is found on your credit report contains positive, accurate, and up to date information. We not only assist you with disputing inaccurate, negative items on your report, but we also teach you the information that is needed to provide to the Credit Bureaus, including using the Fair Credit Reporting Act to your own advantage to be able to dispute those items that may prevent you from acquiring new credit when you need it the most. A higher credit score can lower your interest rates, help you avoid high late fees, help you save money, and increase your credit opportunities.
It is important to read and understand the calculations of your personal credit score, in order to begin the process of increasing your current score. Our Credit Literacy Program offers a variety of educational services, credit information, help, and resources to assist you in increasing your score and financial opportunities. We will help you understand your score, identify the items that take priority, and understand “why”; We also help you grasp the impact of the quantity of credit you are utilizing.
Under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act (“FACTA”), we can obtain monetary damages for you if we have to sue the credit reporting agency. Debt collectors are trained in the laws of the Fair Debt collection Practices Act . They use the consumers potential ignorance of those laws to their advantage. Repeatedly calling you on the telephone, Contacting third parties to the debt, Calling you before 8:00am or after 9:00pm, Leaving messages on answering machines, and threatening you with actions that the debt collector cannot presently take such as garnishments, loss of home, car, job or criminal proceedings are some of the most common violations that the collectors practice. If you have been persecuted by a debt collector, we can help. We are happy to discuss the details of your case and confirm your eligibility. Our methods are done legally and in a way that is trustworthy. We will help fight off harassing debt collectors, creditors, and credit reporting agencies.
Most likely, you’ve always been in control of your own health and your own assets. The decisions that you’ve had to make in these two areas are vital for your family and for yourself. But what happens in the event that you are not able to speak on your own behalf? You may leave the fate of these decisions in someone else’s hands. Without an estate in the plan, these critical decisions regarding your personal health and finances will no longer be in your own control. We have a comprehensible planning package that will help tailor to your personal needs and ensure essential coverage for a full estate plan. Our package includes your Last Will, Living Trust, Healthcare Power of Attorney and Financial Power of Attorney that is developed by attorneys with no additional add-ons or surprise charges.
If you rent a home or an apartment, it’s likely that your largest monthly expense is your rent payment. Unfortunately, it is not an automatic addition to your credit score if you pay your rent on time, you can be penalized on your credit report for late payments or a rental evection. Now you can add your rent payment by allowing your rental history to be reported on your credit score. Just paying your rent can now help you increase your credit score with Credit Rent Payment.
You deposit the security amount to establish your own credit line, and that deposit is set as collateral for your responsibilities for the secured credit card account. With an 11.99% Variable APR for Purchases, 18.99% Variable APR for Cash Advances, $10 or 3% of each Cash Advance (whichever is greater), and $44 Annual Fee, this card will report to all three major credit bureaus and allow new credit information to be filed with those bureaus. There is no credit history or minimum credit score required for approval, and a quick and easy application process. Also, because it is a platinum MasterCard®, this card provide the same protection convenience and credibility of the worldwide MasterCard® system.
Nationwide Program – Not yet available in NY, IA, AR, or WI
Communicate with your creditor with the click of a button, View all of your scores in one place, get alerts when there are changes to your credit, and correct reporting inaccuracies and settle debt with action buttons. Receive important alerts with alterations to your credit report by phone or email. If you suspect identity theft, or someone is making unauthorized purchases, just push the button to stop it.
Our online budgeting partner system features a fill in the blank system to make it customizable and fit your needs so that each month you can track your progress and view it in a budgeting report. Save time by transferring past information to a the next month and prepare a budget months in advance.
Our Debt Payoff system guides you through ways to pay down your debt. The system accounts for both your debt obligations and interest and will show you precisely how to appropriately assign your money towards your monthly expenses using only your existing income. Results do not require extra income, additional lines of credit, refinancing, consolidation, or a lifestyle change.
You will receive alerts for credit inquiries, accounts opened in your name, financial transactions, and even distasteful content on your social media accounts. In the event of fraud, you don’t have to figure out what to do — or even do it. Our dedicated Privacy Advocates® fully manage and restore your identity. Our 401(k) and HSA reimbursements, tax fraud refund advances, and $1 million identity theft insurance policy † mean we won’t let your finances suffer. This system features $1 million identity theft insurance, Pre-existing condition resolution, enhanced identity monitoring, Dark web monitoring, High-risk transaction monitoring, Social media monitoring and Identity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG.
*The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
A life insurance policy gives you and your loved ones protection from the unexpected, offering the peace of mind knowing that your family will have financial security at the most challenging time. We are able to offer Term Life with a Term Policy provider that has been in business for years and operates on a foundation of financial stability, integrity and transparency.
*To participate in the term life insurance program provided by the Term Life Insurance Company associated with our program, you must be an active 1099 participating representative of our program.
You may be the only person in your household, who knows the type and location of your financial accounts. What if your loved ones suddenly found themselves in the position of taking over your finances without warning? Would they be able to locate insurance, bank and financial records in the event of an emergency? This Financial Vault tool is an online solution that allows you to collect financial information in one single and secure location that is protected with a password and easily accessible by you or a loved one that you select and authorize.
Great for saving for a vacation, building an emergency fund, or planning for college.
Our Financial literacy program partners hold an award-winning online money management and goal-setting application that offers an engaging way for kids to learn financial responsibility. It’s easy for kids to use, lets them connect their money with real-world meaning, and most importantly, learn by doing. We also provide detailed information on how to bring the workbook program to your child’s classroom to teach others around you.
