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Quantum Leap Funding with Merrill Chandler
We have one of our amazing sponsors, CreditSense and Merrill Chandler here. We came up with a different name after sitting through their bootcamp intensive workshop. You’re like the Doc. You’re like the Sam Beckett from Quantum Leap. You’re your own fundability superhero. You’re going back and righting the wrongs. The rights that once went wrong so people can change their future. I know you’re worn out. You bust your butt here. You’re chilling at the house, which is well-deserved. Merrill, what an amazing event.
Thank you so much. We had so much fun. We had dozens and dozens of people on our live broadcasts, simulcasts. We had people in our studio audience that are all there. It was a home run. I’m a back patter. We were able to deliver so many amazing opportunities for paradigm shifts. People don’t know what they don’t know. We hear that all the time but you can now vouch for it, Scott. People need to know these fundamentals.
It’s the truth. There were so many people. You had people of all ages and all credit backgrounds. Some people are just paying cash for everything. People that have been using credit or people that had hiccups in the earlier aspect with going through the debacle ten years ago. A lot of misconceptions were answered or proven false. Credit or funding myths were proven wrong in a variety of ways. One of the biggest a-ha moments for me was when you put up the naughty words, the wrong things to your LLC or the things that you put into it. Why don’t we start talking about that because I think it would have a big impact, especially to our audience of people and entrepreneurs out there.
There are words that if an underwriter or a loan officer or a lender look at those words in the name of your business or in the business purpose on your LLC or C corp, you are not going to get funding. You’re not going to get a dime of unsecured stated income business lines of credit. You’ll get a credit card with a lower limit. Full doc, they don’t care what you’re called. They don’t care what business you’re in if you can’t prove with all the documentation that you’re completely fundable. What we’re trying to get are these quick and easy credit lines and your business name is a dead giveaway.
Let’s talk about some of those naughty words because notes are one of them and I’m the jerk who uses a company called We Close Notes for years.
The beauty of the company is We Closed Notes is an amazing name, but nobody’s going to give you unsecured business lines of credit because you’re telling them, “I would like you to give me $100,000 in unsecured stated income credit lines and I’m going to put this money at risk. How about that? Is that okay with you, Mr. Lender or Ms. Lender?” They’re not going to touch us but property investment, property management, all of those, anything that has to do with real estate investors and business owners in suspect companies. CreditSense is a credit company. We get looped in with credit repair companies and other suspect nefarious credit companies. The thing is we’re totally legit but on paper, we look like a credit repair or one of these bad juju companies.
I don’t get credit in the name of CreditSense. I get credit in the name of my management company, my consulting firm, which is Echelon Management Advisors. I’m very fundable as the genius behind CreditSense but I take every dime out of CreditSense comes to Echelon in the form of consulting fees. Just like I recommend to my client, I separate the genius behind your deals from your deals themselves. Your listeners got to go to this workshop because we spend literally hours discussing these strategies. I don’t want to have people be like, “What do I do?” We’ve got to give them the solution. That’s why we offer a web class.
You’ve got to come and find out the red flag words. What are the blocks that are in the way of your fundability? As I teach in this intensive, many times we say, “I’m a real estate investor. I’m a note buyer.” No, you’re not. You are a genius. You are a talented individual who buys notes or who buys properties. Those are different and the lenders will lend to you, they will not lend to your deals. We do an entire exercise on how to split out you away from your deals and it’s all beautiful. It’s all legal and moral and ethical and non-fattening. It’s a hack and the entire weekend is about how to legally and ethically hack business underwriting so you can get those sweet business lines of credit stated income and unsecured.
Merrill, you mentioned on a previous episode that there are 40 different point factors that the banks look at to either approve you for personal or credit lines and only eight of them deal with your history.
Forty characteristics that FICO measures on your credit profile. People say, “I have an 800-plus credit score or high credit score because I paid my bills.” That’s not true. Paying your bills keeps you in the game. It keeps you off the bench. Let’s use the example of whether you’re a good basketball player is how well you deal with these 39 other items besides paying your bills on time. Being a masterful professional borrower is all about optimizing all 40 characteristics. FICO doesn’t call it this but we call it the FICO 40. They’re 40 characteristics that they measure on your profiles. If you’re paying your bills on time but you’re failing at these other ones, you’re not fundable. They are not going to give you money. They look back 24 months. It’s called the 24 months look back period. They look back 24 months to see how you’ve been forming on all 40 of these areas. In this intensive, we go over all the fundability of this FICO 40.
A couple of things in there that may throw a little people off is I notice a difference in a couple of names on accounts that affected my number. Names show different Scott Carson, Scott A. Carson, Scott Andrew Carson, different things like that. The thing that was overwhelming is you had us do homework before the event which is important. I’ve bought a lot of property. I’ve moved a lot in the last ten years but it was showing twenty different addresses for me. I was like, “I forgot that I lived there. I guess I had power turned on that.”
Those addresses, even if they say previous, think of it as identity genealogy. If you have an address on ABC street and then it goes to XYZ street and then you’re at post street, they want to know what the genealogy. Is this the same Scott Carson? Which Scott Carson is this? Did it come from this line of addresses or this line of addresses? Because you’re data points, you’re not a human being. You’re a set of data. All they can do is look at your data and to see who you really are. Just so you know, credit bureaus can’t use your entire social security as a search string. Most of them only use the last four digits.
How many 3223s are out there? Scott Carson, depending on how common your name is, Merrill Chandler isn’t the common name either but there are 29 of me, 29 Merrill Chandlers. There’s a professor emeritus at Champaign, Illinois University. There’s a pediatric surgeon in Contra Costa County in California. I rock. Merrill Chandler’s got this thing going on. You’ve got to give them the right data and get rid of every other version so that they can trust who they’re giving their money to. There’s a whole exercise in the intensive about dialing all of this in and what to do about it.
It’s like a page under the movie, Split. Every one of your addresses and every one of your names is a different profile and a different personality.
A different universe that they’re trying to figure out which person am I giving my money to? Which version of Scott Carson is going to get this money because there is so much ID fraud and identity theft out there? You’ve got to give them the right message. You’ve got to give them the right data and we’re in charge of it. They’re not going to do it. They try and dial it in with their algorithms. Why not just give them a crystal-clear address? “This is Merrill Chandler and these are my data points and there are no other data points that you could confuse me with.” They’re like, “We want to give him money because we know who we’re giving it to.” Then they look at the other FICO 40 and be like, “This guy has a 24-month lookback period, balances, limit,” all those beautiful things.
When you sent the homework out like, “You need to go and pull your credit bureaus. Don’t do this. Be very specific so you do not hurt anybody anyway.” Then you also said, “Here’s a common scorecard. Take what you found on the three bureaus and these other things.” Especially if you’re in business, look in your business. Pull those numbers too out of your business and take a look at the scorecard and fill this in. Based on what your points add up to, “Here’s an A, A-plus, B-plus, B-minus, B, C, D or an F.” I know a lot of people are like, “Oh my gosh.” Especially at the end of the first day, you ended on them like, “Way to wrap up the day with a positive note there, Merrill.” They seem like, “I’m a D or I’m an F because of stuff that’s happened to me” and you’re like, “It’s okay.”
Now you know. Every single one of those things we’re talking about, there is an optimization path for every one of those drag downs. We know how to get there and optimize in a straight line towards that triple-A plus fundability.
Twenty-four months fly by like that. That’s the thing you got to look at too is you think about how fast 2018 flew by. Twelve months of following what you guys are teaching and the whole hand holding. You can do a lot of great stuff there and take things whether you’re a C up to a B, B to an A or vice versa. You can knock things out and have a whole different animal looking at you. A lot more opportunities so that you can cash in on more opportunities in the market. Let’s face it, in 24 months we’re going to be sitting in a much different place market-wise, real estate-wise and other things like that up there as well too. Why not be built up so you can take advantage of that?
Let’s be ready for it. There are actual things that you will learn in the intensive that will make you recession proof. It will recession-proof your credit and it will recession proof for your fundability. I’ll show you even how to build relationships with the current lenders so that they don’t drop your credit limits through the floor and all that stuff. There are things you can do that protect the lenders. If you protect the lenders, you’re going to be their favorite borrower and they’re going to give you more money. That’s how this game works. You become one of their favorite borrowers and they will give you all the money you can handle.
Here’s a little tidbit for our note nation out there. This is something that I was so excited about that I picked up the phone and called you Saturday night. I know you’re exhausted. It’s 7:00 here. You’ve been on a marathon, eight-plus, nine-hour day. I get it. I’ve taught plenty of events and others but I was like, “I’ve got an idea.” You said that FICO loves it if you have four mortgages on your credit.
One auto loan, four mortgages, you are the perfect real estate investor borrower for these lenders to look at.
Major credit cards too?
Your revolving accounts have to have high-value cards, which you’ll learn all about and how to evaluate those cards.
Not exceeding 40% usage of that. These are some basic nuggets that I didn’t know. I learned that. That was great about things. We run a lot of things for our accounts. We run a lot of things for our cards, for events and things like that. You know how it goes. I just didn’t know. I was like, “We need to advocate this a little bit. Let’s use this a little bit smarter by knowing the secret formula.” The thing I called you about on Saturday night, I get plenty of deals in. We get plenty of properties what you take back or things like that and the whole separation of yourself from your entity. I don’t have any mortgages on my credit right now. Could I technically take a property and owner-finance it to me at a specific amount that makes sense? You share the right thing in there. Could I not set that up with my servicing company who’s reporting to all three credit bureaus and just pay monthly? I’m paying a monthly payment out in a mortgage which comes back to me anyway and that will boost my credit scores too.
It doesn’t matter if it’s a $50,000 or $500,000 mortgage. You want it to say that this is a home loan. This is a mortgage. Remember the icon on FICO. It just has the house with the dollar sign. If it has that, you are golden. If you have four of those, you are killing it.
That was my life-shattering besides a couple of what I talked about before, the name. I’m screwed up there. I already started going out and shopping for seasoned entities to change it there as well too. It’s funny how things happen. I had a company reach out to me, “We provide seasoned LLCs.” Someone said, “Let me double check on that.” I’m like, “My homework is looking for you,” but then you hear that I’m like, “Thank you God for putting me in the right spot.” Where is Sam in here?
I am in the flow. Somebody came to my past and it’s healing my future because now I know what to do. Those entities or those shelf companies literally do compress time. They’re like wormholes for fundability.
For our audience, I don’t bring on outside sources that I don’t promote, that I don’t see a value to, that I’m not a client of. I’ve had people that come on and want to be guests on the show. I’m like, “I don’t use your product. I’m not going to let you pay to be on my show.” That’s not the way I work this stuff. I’m just not the sponsor whore. I want to retain some level of truth here to what we’re talking about and things like that. That’s the thing. That’s why I sat through the workshop. We’ve known each other for years. We’ve been clients. I’ve recommended you to other speakers. You were working with other people and stuff like that too. The thing that is great to look is he’s on this like, “You take care of it. Tell me what I need to do.” The thing that people don’t realize is we get nuggets. People that read a book or read a blog, we watch something and talk about things. There are a lot of myths out there that are not accurate and that aren’t the same.
We have no clue how bad the intel is out there. These lenders are trying to protect themselves. They would rather err on the side of conservative when all we have to do is align our behavior with what they’re lending to. They’ll lend to us all day every day. We just have to align our behavior and they’re not going to tell us because they believe that if they let the cat out of the bag, we’re gaming the system when we’re not. We’re literally just performing like perfect professional borrowers. That’s what we do at the intensive. The web class gives you a teaser about the intensive.
Do you have any tentative dates already?
We do not have our April date but it is the one supporting Laughlin Associates and Aaron.
Their next Magnify Your Wealth is the 11th, 12th and 13th of April.
We’ll be doing it two to three weeks so we can take all of Aaron’s people who want to go and just drive it. Actually, what’s the last weekend of March?
The 30th and 31st.
That’s our next one. It’s in Southern California and we’ve got literally five events all coming to that one.
That’s good. People can attend in person or attend online. You had a huge amount of people in the last one that was very interactive throughout. You’re live streaming through your private Facebook group just for the event. They’ll be interactive with everybody else. A lot of interaction between everybody. One of the things too that was an a-ha moment for me as well, I wanted to share this nugget too, is that the personal scores and the business scores are totally different on how involved FICO is. Do you want to shed a little light on that?
One of the huge myths that you’re talking about, Scott, is the belief that if we can build our Dun and Bradstreet Paydex score, that’s going to help us get these unsecured credit lines. FICO has entered the business credit reporting marketplace. Over the next couple of years, it’s going to grow into being as dynamic as the personal side. We’d been to FICO. We’ve talked with the CEO. We’ve talked with the score development teams. You learn all about those details. We got to ask 100 questions of the FICO personal and business score development teams. They made me sign an NDA. Nothing I’m saying violates the NDA. We have a lot of juice in our software and the algorithms that we learned when we were back there. They told us that credit reporting for business is what personal credit reporting was back in the ‘80s. Literally, business credit reporting is 40 years behind personal credit reporting. They don’t look at your trade lines. They don’t even trust the trade lines that are reported.
The Dun and Bradstreet Paydex score is a folly that they invented so that they could create revenue from the business data they were collecting. Nobody uses Paydex to give you a $50,000 business line of credit. They don’t, it never happened. It never will. FICO business told us that 80% of all small business and entrepreneurial loan approvals are based on your personal credit profile. They just simply use the Dun and Bradstreet data and the Experian business data and Equifax business data to confirm what’s your personal. They’re looking for the identifiers. They’re looking for that to sync up to make sure that they’re not getting gamed. They do not use business credit reporting of trade lines for business decisions. You’ve got to know what the rules of the game are before you even have a chance of winning this. That’s what this intensive is all about. It’s such a deep dive. Snorkels are not going to work here. You’re going to need full-on dual tank scuba gear.
One of the great things too is I know that’s a lot to take in two days intensive but you provide 157-page manual along with that so people can follow along with it. They can take notes. They have the stuff right there too. If they’re watching it online, you send them the link so they can download that.
You get all your workbooks and you get the interacts of Excel numbers or PDF worksheets. You get everything. Go to Facebook.com/CreditSense and just read what people are saying. It was super easy in the privacy of your own underwear, watch a weekend and literally turn on the lights of your funding capacity or what we call fundability. You will never be the same.
One of the things that I also took as a nugget here and this goes back to me being a banker at JP Morgan Chase several years ago. I enjoyed my time there. I had a great time. If I wasn’t doing what I’m doing, I’d probably be a banker again. The thing that caught a lot of people off guard was the fact that they pre-approve you to turn it down.
Do not accept any offer that is emailed or mailed to you or offered on the website of your bank. The key to this is if they sent something to you, deny it. Because if you have to put in a code, like an authorization code, you are literally saying, “I am not a professional borrower. I am an ignorant borrower and I don’t know what I’m doing. Put me on your susceptible to being manipulated list. Please put me on. I’m willing to be manipulated by you list.” I swear to Buddha, no joke, deny those. I’m not saying don’t go to Chase and independently ask for that deal, but do not let them send you to the landing page or the webpage or whatever where you have to put in a code.
It is a racket because they’re selling you particular credit instruments that may not be the highest and best use for a fundable professional borrower credit profile. You’re not getting it. I don’t care if it’s on the personal side or the business, do not get on the, “I am a seagull credit borrower,” instead of an eagle credit borrower. You want to choose the instruments that you have. Do not respond to those lists. I’m telling you that is the single greatest manipulation of the credit system because once you’re on there, you will get more and more. Those credit cards that you’re being offered, you think they’re good for you but they’re not.
I can remember back. As a banker, we got paid on commissions to sell products. If you’re going into a bank, and this is not just Chase, this is in a lot of the major banks out there. The banker says, “You’re automatically approved for a credit card. You’re automatically approved for a line of credit.” You’re tagged in their system as we can sell him a product that’s two or three points higher or five points or twelve points higher. People came and it’s like, “No.” I’d see other people getting approved like, “They’re getting approved at this. That’s not a good deal for them.” They’d be like, “I want it because I need.” I’m like, “Okay.” People that came back in and re-ran their numbers or re-applied or applied for the first time traditionally got better rates and better products.
Better rates, everything. Because you’re susceptible, they’re going to take advantage of you there. You’re going to be at 24.99 instead of 18.99. Just compare the offers. You’ll see differences. You are, I call it being at cause or at effect. I want you as a professional borrower. Our goal at CreditSense is to make you a professional borrower, to know the rules. I want you to be an NBA level up credit player, not a pickup game at the rec center credit player. To do that, you’ve got to know what’s the playbook that they’re using. One of the big playbooks is market to them and let them buy from us at higher rates.
Here’s one of the biggest problems with this whole thing is when you are a susceptible borrower, not only do you get worse deals, but the thing is you end up on a list that says, “I’m chasing money.” We find that there’s a correlation between people who accept offers for credit cards and whether or not you’re fundable for business lines of credit. The credit is their sweet spot. That’s the cheapest money they offer or the most convenient money they offer. They’re not going to give that to somebody who’s like, “Give me, yes,” to credit cards. It’s not going to happen. We’ve got to play this game smartly. We got to be pro ballers, not little leaguers.
That’s the thing is they also then turn around and sell that data off as well or the credit bureaus sell that data off to other companies.
We’ll teach you how to remove your name from all those lists so you can get off the susceptible borrower list. You can get off those lists so that you can start fresh and start playing the game like a pro baller. That’s a great one, Scott. You nailed that one.
That was an a-ha moment. I’ve been a banker. I’ve been a VP of Chase here in Austin and we opened up a ton of branches. At one point, we opened a branch on the north side of Austin where we opened the most accounts ever for a Chase branch in the opening weekend. I didn’t become the number one banker in Texas for not knowing how to sell products. Looking back now, my eyes are open. The goggles, the blinders are taken off now being on the opposite side of things.
They want those accounts because here’s the thing, it isn’t just the interest rates. Do you know where credit card issuers and all these lenders make the most money? They make it on the swipes. These premium cards, whether they’re co-branded or whatever, they are less valuable as a professional borrower on your profile, but every time you swipe that card, 3% to 8% of every merchant dollar is going into their coffers. That’s why they say, “If you spend $2,500 in the next 90 days, we’ll give you 50,000 points and we’ll raise your limit” or whatever. You’re like, “Okay, spend, spend, spend.” You’re just putting money in those coffers. Even you guys wondered, “If I carry zero balances, how do banks make money off of me? I’ve got one over on them.”
We are foolish to think that banks will ever let us get one over on them. They use those swipes and that’s why they co-brand. Co-branding is only a few years old because it’s one more way to charge merchants more money out of that backend of your cost. You’re paying retail, no harm, no foul to you as the consumer. The merchants are paying out the nose every time you swipe that card because the lenders aren’t going to pay for those airline points and the overnight stays at Marriott or Hilton wherever. It’s a racket and it’s okay if you know how to play the game and let it benefit you. I don’t have a problem being part of a racket. Just don’t get taken advantage of and don’t diminish your power as a borrower because you don’t know the rules of this game.
That was one of the biggest things is you go through a lot of the rules. You really go through so much of the rules, personal-wise on the first day, business-wise in the second day. Getting through the checklist, you could say the scorecards to help people put their points. You get to see where they stand. There were things I was surprised about in a good way and I’m like, “I’m a little surprised about that. I thought that would be better.” Everybody was like that. You literally see comments pop up from people. I got messages and text messages where people are like, “That was so well-worth it to do it.” One of the great things too is you make it very affordable to go through it. The price point right now and you may change it, but it’s $97 to get a seat. It’s $197 to get all the recordings and some other stuff with it as well. If they want you, the brand master funding dragon, come in and review or sit down and review the profiles with them one-on-one afterwards. That’s a little bit more at $497.
They get an hour with me building a strategy on what to do and how to make this work. It’s $97 to attend an entire weekend with me talking at this level and this fast about hundreds of rules. We cover the FICO 40. We cover all the fundability metrics. You’re going to find out exactly how fundable you are by the time you leave that weekend and what to do about it.
The website once again, Merrill?
It’s EpicFundingSecrets.com/Bootcamp-Intensive. The web class, if you want to get another hour’s worth of slide after slide of what we’re going to be talking about, go to EpicFundingSecrets.com/Webclass. Sign up for literally Gatling gun of an hour of this level of stuff to tease you to go in. If you trust Scott, if you trust even the level that we’re talking about, you can go straight to the EpicFundingSecrets.com/Bootcamp-Intensive and sign up at $97. If you want the recording. If you can capture it all in one take, it’s $97. Our most popular one is $197 because it’s still outrageously inexpensive. You’ll get all of the materials and all of the recording so you can go back and dissect it because it is this fast for sixteen plus hours.
For the recording, I went back and play it in half speed so I can listen to the spots that I missed on when I step away from the computer screen. I came into the office and watching it here but I was working on stuff while you were answering questions and things like that. I was like, “I’ve got to go back to that.”
You will miss some of these things. I tell people, “Just get in, sit down, shut up and hold on because this is going to be drinking out of a fire hose.”
I had a webinar called Building Your Perfect Note Business and I encourage you to listen to this. You can go either to our YouTube channel and listen to that replay or you can go over to the Note Night in America podcast and catch Merrill’s replay there as well. It should be up there. We talked about specific things and then you’ve talked about Laughlin Associates, having somebody there to protect your assets, to take a look at your paperwork, make sure everything’s in place and make sure your entities are up to date. That they’re not outdated because that affects when banks are looking at your entities to see if they stayed in place and things like that too on the business side. The thing you’ve got to realize is you need somebody there to protect you. It’s another vendor to add to your Rolodex of experts. That’s the thing when we talk about having a pitch deck as we go out and talk with investors and talk with potential funders.
We’re showing here who our servicer is. Here’s who the vendor that handles this for us. Here’s who our attorney is. Here’s our insurance company. Here’s our fundability team. They’re going and they’re looking at what we’re doing on a credit basis or borrowing basis to make sure that we have the best image out there so that we are more fundable. I think a lot of investors who take their credit seriously may not know of things like, “You are very serious about this. You are trying to make sure you’ve got a golden goose and things.” Plenty of people had hiccups ten years ago. You still look at people having defaults on their mortgages these days.
There are things that you can do to get rid of those things. Merrill goes through that. They’ve got a whole concierge level and a whole thing to help you out with that as well too that you talk about that. You wanted to work with people, make payment plans, whatever that’s got to work for them. You’re very flexible on what you’re doing on that. You’ve got a true passion. Your whole team, Brad, Jessica, Shayene. I know all these people well, they all echo that same passion and the same drive to help people and it’s bubbling over with enthusiasm to try to help make America’s credit great again.
Good credit does not mean fundability. Fundability is what lenders are looking for. The metaphor I use to echo that is imagine you are, first of all, we want to become the first draft choice of an NBA team called Citibank, Chase, Wells, Bank of America, the big players that have the cheapest money. If they trust you, we want to be the first-round draft choice. We want to be so good at this game that they give us the ball over and over. We’re not on the bench. We’re not out of the game. We’re not backstopping other real players and professional borrowers. They are giving us the ball over and over because they know we will score. When we score, they win, we win, we get a championship under our belts. We can do this and it’s a partnership with lenders. They will lend to you guys. They believe that you are their perfect borrower. I know how to make you a perfect borrower in their eyes, not in mine. I’ll tell you what they’re looking for. That’s the whole thing. First-round draft choice and get first string, give us the ball because we’re going to score over and over again for them and for us.
Your event is the combine of somebody looking to personal and business credit to help them pick it, measure it, look at everything and realize which way to go next. That’s the thing. Trust me. I guarantee you don’t know what’s sitting out there in your burrows. I was surprised. Everybody was surprised at something. That alone, that knowledge is power. That’s the thing that you get by signing up for their intensive bootcamp. This is a little bit more of nuggets and pitch episode because I think it’s valuable to you. It’s not really a pitch, it’s more of an investment in your long-term funding.
Just find out where you are. Just like what Scott said, at the end of day one, people are like, “Here you get to see your fundability successes and failures, straight eyeball to eyeball.” You get to look at your fundability on the face. You know why lenders are not dishing out the $50,000 and $100,000 credit lines to you. You know why and you know what the optimization path is to fix it. While it can feel a little discouraging, just keep plowing through because we’re going to lose a few games to learn how to play well and how to play better so we can get that championship, it really is. Find out the truth of your situation then figure out how you want to fix it.
Go check out EpicFundingSecrets.com/Bootcamp-Intensive.
If you go there, there is a video of a web class. You can watch that introductory web class right before you even sign up. You can see even more nuggets. Imagine more stuff and just invest in your profile and invest in your fundability.
There’s one final thing too. If you go through the end of the first day and you don’t find value, Merrill, you’re glad to refund their money back. Let them go separate ways.
Our money back guarantee says buy your ticket and come to the first day. If you are not blown away, if you do not like what you experienced, we will refund the value of your ticket. You don’t get to go to the second day but you will get your money back for your attempt at seeing where you stand.
That says it all. That’s a big thing. Not three days, not 30 days. That day comes, see it, take it, test right, get there, I guarantee you’ll be blown away. Tons of value. That’s why we had to have Merrill back on just a couple of days after he just did it. He’s worn out at the house. He was barely conscious an hour ago when we were talking before the show. We slapped him and kicked him. Once again, Merrill, congratulations to your team. It’s a great event. I’m proud of it. I’m so glad to be a part of it. I learned so much stuff. I had a lot of respect for you before. I even have more respect now. I’m even a bigger advocate of what you guys are doing.
Thank you so much. Have a spectacular day. You’ve got a genius here leading the charge on notes, so do what he tells you to do.
Thanks so much. Have a great day and enjoy the rest of your day. Check out once again EpicFundingSecrets.com/Bootcamp-Intensive. You will not be disappointed. Trust me, I guarantee it. If you don’t like the first day, Merrill’s glad to refund the money back at no cost. $97, that’s worth not drinking coffee for three days just to pay for that there. A lifetime of knowledge worth two days of spending time online. Go out and make something happen. We’ll see you at the top.
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About Merrill Chandler
Merrill Chandler, CEO and Chief Strategist at CreditSense.com, has been an influential player in the credit restoration industry for over 21 years and has co-founded numerous successful credit restoration firms around the country, including Lexington Law. Unsatisfied with the results of credit repair alone, Merrill has used his extensive knowledge of credit reporting and credit profiling to single-handedly invent and dominate the credit profile optimization marketplace.
Since 1997, Merrill and his staff of advisors have assisted real estate investors, business owners, entrepreneurs, and savvy consumers nation-wide to create FUNDABLE Tier 1, and even 800+ credit profiles. Today, CreditSense’s credit profile optimization process has no equal, especially for clients who want to leverage their financial reputations towards wealth and prosperity.
Through superior client relations, Merrill and his team have maintained an A+ Better Business Bureau rating for over 21 years.
Merrill is a compelling and knowledgeable keynote speaker and has addressed real estate investment conferences and businesses forums around the country where he has delivered his popular credit-empowerment forum, “Insider Secrets to an 800+ Credit Score.” Adventurous and passionate, he is an extreme sports enthusiast and enjoys traveling all over the world.
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