Today has been a very long, weird day...

First off, I'm crashing due to a 10-day graduate obligation I had in Palm Springs that just ended this past Sunday.  And I'm freaking exhausted!

Then I saw Ruth.  She's the one who has cancer.  I hadn't seen her for months as she's been battling the disease.  She informed me that they had to stop treatment.  The subtext of that sentence was that...well, not too hard to figure out.  When I saw her today, I was looking at someone who is not only clearly dying but probably won't make it another year on this earth.  To look in the face of death and then to look at her son who is barely 6 years old, knowing that he's about to lose his mother...tough moment.  Very tough.

And if that wasn't enough, on my way back to the office, I got a call that my dad is in the hospital and has been in the hospital since last Saturday night.  When I called him on the phone at the hospital, he sounded weak but well.  And I also found out that if he wasn't rushed to the hospital last weekend, he would have passed away.  Instead of typing out this email, I would have been making arrangements instead.

So...some heavy moments today.  Very heavy.  And I'm not sure what to think of it all except to say one thing:  you never know when it's going to be over until it's over.

I think about Ruth.  She knows she's dying.  There was a split second of emotional weakness where I saw tears well up in her eyes the moment she told me that they stopped treatment.  It was the moment that revealed that she'd given up hope.

And hope is everything.

My mom died of cancer more than 9 years ago.  The moment she lost hope was the moment that she died.  Actually, it took 6 weeks after she officially gave up for her body to die.

I saw that loss of hope today with Ruth.  And I knew that a part of her had already died; she's just waiting for the body to go now.

What a depressing, sad day.  Top it all off and we're having rain, rain, and more freaking rain.  I know we need it in our drought-devastated state of California but we can only handle so much at a time before the state starts land-sliding and flooding due to the damage from the fires.

A couple of weeks ago I was having a conversation with my young daughter about all the crap that the government is spraying in the skies in a desperate effort to change the climate/weather.  I explained to her that, unfortunately, when you are spraying chemicals, there are adverse effects to such acts including problems with health such as getting cancer, for instance.

You know what this wise young lady told me?

She said, "Well, I don't have cancer now so I'm not going to worry about it."

And I had no rebuttal because...well, what can one say to that?  But I thought...Well said, little one.  Well said.

Now I have to remind myself of that now.  Right now, in fact.

With so many depressing things happening in the world coupled with these shitty commercially-driven "joyous" holidays coming up, I tend to get pulled down into a cesspool equivalent to a saber-tooth tiger sinking into a tar pit, never to see the light of day.

However...at the precise time that all this crap is happening, I'm on the verge of a major breakthrough that will not only be life-changing to me but can also be life-changing to the world as well.  (More on this in the weeks to come; it's freaking exciting!!)  Yes, that's right.  

Last Saturday I was contacted by someone (and I won't mention who...yet) about something (and I won't mention what...yet) that will be incredibly huge!!  (I promise to let you in on the secret in a few weeks.  I just don't want to jinx myself here.)

What keeps me going through the holidays is knowing that soon -- very soon -- they'll be OVER!  Yes, that's right, troops.  This crap will blow over before you know it.  If you think about it, we're so close to the finish line.  Two weeks and 2 days away!!
And you can handle 16 more days, right?

What I keep telling my students is that 2015 is going to be an exceptional year for many of you who decide to participate in...well, anything!  Yes, anything that is profit-generating will succeed and in order to not be successful, you'd basically have to be handcuffed to an iron headboard in the basement of Hannibal Lecter's house to miss out.

Even though success has always come "easy" to me (because I'm focused, I go for it, and Idon't accept failure as an option), it'll come even easier.  And it'll come easy for you too IFyou get off your dead ass and do something about it.

That's the key.  You have to zero in on what you want, get this warrior focus thing going, create a simple easy-to-do action plan, and follow the simple steps.  And that's it, folks.  It doesn't get any harder than that.

Now, I should mention that today is the day that I'm also letting my students in on something I'm going to be doing next year (within the first quarter of 2015) that will blow your mind.  And you should check it out here: http://www.monicamain.com/internet_cash_flow_blitz
Check it out for a short but powerful audio seminar that will get you excited.  It's something my students have been waiting about 7 months for!

By the way, doesn't it take talent to take a message from totally depressing to totally exciting within mere minutes?  I think so.
And that's how easy your success for 2015 is about to get!

See you at the top!

Your mentor,

Monica Main
www.MonicaMain.com

P.S.  The BOGO deal for the Mentorship Groups in 2015 is going on and some of my groups are getting full.  I can only take a limited number of students for each group so click on this link if you want in on the deal:  http://www.monicamain.com/buy_1_get_1_free_mentorship

P.P.S.  Monica Bucks is still available but only for a short time left.  Here's the link for that deal:  http://www.monicamain.com/monica_bucks_2014
 

I thought I was going to be fine with all this holiday madness, unlike every other holiday season.  I was getting myself in the mood, singing corny Christmas tunes, and even telling my daughter how this year will be "different" because I'm embracing the holidays now.

Yeah...okay.  So that was soooooo yesterday.

Today is a different story.  Very different story

Let's start off with me catching Sometimey Bitch's dog crapping in my yard today.  And how she didn't clean it up because she figured no one was looking...the fake ass phony bitch that she is.

But that really isn't my issue.  People are people and that's the least "sinful" you could possibly get, especially after you hear what I have to tell you next.

I just found out (by my dad) that my brother was almost killed on Thanksgiving night.

Yep.  Almost murdered.

Let me remind you that my brother is a single parent of 2 teenagers (who were with him when all this went down) and his daughter (who just turned 14) is disabled.  (She hasmuscular distrophy and is also mentally challenged).

So...here it is during a "happy" holiday season and we have a couple of gang-bangers who decide to ram the back-end off my brother's Ford Explorer as he's driving home...somewhere in the time frame of slightly after 11pm the night of Thanksgiving. They hit his Explorer so hard that the bumper instantly came off.  And one of his break/tail lights cracked into a million pieces.

They then tried knocking him off the road by side-swiping him.  They indicated that they wanted him to pull over.

One thing about my brother -- even though he's not the brightest upstairs -- is incredibly street smart.  And he knew not to pull over or succumb to being bumped off the road.  The good news is that his vehicle was bigger than theirs so...bumping him off the road wasn't an option.

My brother decided to slam on the breaks and fell back in traffic, losing the gang-bangers in the crowd.  (The good thing about LA traffic is that there are always lots of cars on the road.)

If he would have been forced off the road, I'm guessing that these crazy lunatics would have probably opened fire on my brother and his 2 kids.  Anybody that insane to start hitting people's cars at full speed with their own vehicle is doing it to go the entire distance, if you know what I mean.  It's not like shooting someone with a paintball gun or throwing a can of soda on someone's windshield.  By the time you're taking your own vehicle and ramming it up the ass of someone else's at over 70 miles per hour...you're looking for some major physical altercation, more than likely resulting in someone's death.

Maybe it's just me but, quite honestly, I'm getting tired of people being so hateful and violent.  It's getting old.  I guess I'm not understanding why people don't choose to be respectful to their fellow human beings because all we have is each other.  If you don't like other people, great.  Just keep to yourself.  How difficult is that??

Maybe that's part of my depression now...or part of my depression that I always seem to have that never seems to go away, lingering like the black cloud that it is for as long as I can remember.  Too many people are mean, ruthless, and dangerous to others.  I thinkeveryone gets to the point where we've all had enough.

So...even though I predict that 2015 will be a prosperous year for many, I also predict that some violent things may come to a head here in the United States.  And maybe that's the way it needs to be.  After unrest comes rest.  When things have been coming to a head for so long, something has to give.  When it does, things may be a disaster for awhile but at least everyone will know where they stand.  And maybe some boundaries will be set in place, in the very least.

The best you can do as a respectable higher-level spiritual being is to try sending love when you can while avoiding catastrophe at the same time.

Maybe driving on the freeway through LA at midnight isn't the most brilliant plan, which is probably why my dad had to tell me what happened instead of my brother telling me himself.  (Because he'd know that I'd ream his ass out!)
Maybe staying at home to watch Dancing with the Stars may be a more prudent idea than showing up to some kind of potentially violent protest somewhere.

Maybe staying focused while learning something new is a better blueprint for unraveling a positive future than hanging out with people who just aren't servicing your life anymore. 

I have a unique belief and that is this: it seems that as time moves forward even faster than ever (thanks to technology and other advancements), people either need to step into the light or then need to recess into the dark.  Whichever you choose is where you'll remain.  

If you notice lately, things are becoming more and more transparent.  You can't dupe people anymore if you're a politician, rapist, or criminal.  You can't hide in the shadows or behind a high-pedestal title/ranking anymore without the light shining on you to reveal all of your secrets for all to see.

And the nice part about exercising free will is that you can choose at any time whether you want to be on the light side or the dark side.  Having experienced both sides, I can tell you that the side of light is where you want to end up.  Having seen the dark side, I will mention that -- for most who end up in such a place -- there is no escape.  And last time I checked, eternity is a very long time.
The only way to end up in the light is to be the light.  And you can't do that by being violent and spewing hatred throughout the world. You can only end up in the light by doing right by yourself and, perhaps most importantly, by others.

I'm grateful my brother and his 2 kids are okay.  I've always known that he has a pretty powerful guardian angel alongside of my mom who is always watching out for him from "up there."  But it still saddens me that these incidences are part of this disturbing place we call the earth plane of existence.

As we enter this holiday season (Christmas is next week already...hello) maybe instead of it being all about what gifts we can buy and what gifts we hope other people will give to us...maybe giving a smile to someone is enough.  Or holding the door open for someone. Or giving a few bucks to a destitute bum on the street corner who doesn't believe there's a single human being that's in his corner.

Just making a difference, even in a small way.  You don't have to be rich to make this world a better place for other people other than just being nice to your fellow man and woman.  Just be nice, for crying out loud.  That, in and of itself, will make all the difference!

See you at the top!

Your mentor,

Monica Main
www.MonicaMain.com

P.S.  If you want to send a card/letter in the mail for those of us rallying to get Lea back for the first week of January, tomorrow will be the last chance you'll have to get that in the mail for me to get it on time!

P.P.S.  Thank you for being...you!  ;-)
 

A lot of people don't know this little "fun fact" about me but...I get coal in my stocking. And yes, I get coal every year.

How can this be?

Well, many of you know that I have a 6-year-old daughter and, of course, I go way overboard getting her Christmas gifts each year.  (She's an only child so "spoiled" is an understatement.)  Since I don't want to deal with the "fuss and muss" of wrapping my own gifts to put under the tree, I just get some coal and throw it into my stocking for a couple of reasons:  (1) it's easy to do; no buying, wrapping, and wasting time on my own gifts for meto unwrap, and (2) I use it as a tool to keep my daughter in line as in..."See what happens when you're not a good girl all year?"

Every year the material in which the "coal" comes in varies.  One year it was some kind of licorice.  (I absolutely detest licorice, by the way.)  One time it was gum that looked like coal.  The year before, it was plastic.  Last year it was real coal in a bag.  This year I've already secured my "coal" purchase for my stocking.  It's a "coal" stress ball, which I can actually make use of unlike all the other "coal" I've received in year's past.

But this whole "coal" thing got me thinking about a couple of very important key elements:

1)  Why am I putting coal in my own stocking?  How hard would it really be to buy myself a couple of things I really want, wrap it up, and put it under the tree so my daughter can see that I'm worthy of actually getting something??

2)  How many of us are subconsciously putting "coal" in our own "stockings" in life by not seeing the good we deserve??  (Answer: all of us are doing this daily to ourselves!)

So, I promised myself that this will be the very last year I'll be putting coal in my own stocking.  Next year?  Maybe I'll buy a new Land Rover and have it delivered with a big red bow on it...and I'll throw the keys in my stocking instead of coal.

Or maybe I'll put an envelope with a trip to the Cayman Islands in my stocking.

Or maybe I'll stuff a new man in there.  Okay.  Maybe I'm getting out of hand here.

My point is: you can put whatever you want in your "stocking" of life.  At any time.  No exceptions.  I don't care what anyone says.
I know this lifetime may have thrown more than enough challenges your way.  One of the biggest challenges for most people is the money part of life.  The economics don't seem to flow as well as you'd like them to.

And guess what?  All that started in your head.  You somehow, somewhere during your life travels believed it when someone said "making money is hard."  When really, it isn't. In fact, I know of fewer things that are easier than making money.

To me, relationships are hard.  Marriage, impossible.  Dealing with people, for me, is difficult.  Having family is arduous, most times.  (Or shall I say, "What family??") Friends...almost impossible to make and keep.  But I guess those are my personal issues/challenges for this lifetime.

Making money?  Super freaking easy.  Having "things"?  As simple as snapping your fingers together.

How?  I don't know.  I wish I could describe how it works but it's sort of like this: I have this laser focus when it comes to the things I want.  And once I focus on it, I block out the lip-flapping from the "chatter bugs" in my head that tend to tell me I can't do it.  I not only block them out but I call out the pest control company and spray them out.  And they become silent...forever.  Never to speak another lick of negativity again.

Once I start working toward a goal (i.e. "action") then any and all doubt quickly subsides. Usually I'm shown other pathways and I remain flexible in the new pathways that I'm shown as I'm moving along.  I enjoy my journey and I never really reach a destination because reaching the "end goal" means depression for me.  (It's the moment when I say, "Is this it?" and that's never a good place for me to get to.)  So, my life (and my projects) are constantly an ever-changing work of art.  And that's what makes my life exciting.
Do you want to know why making money is so easy for me?  Because there are tested and tried "rules" that never fail once you put them into action.  It's like a mathematical equation that never fails.  I use this when doing both Aggressive and Passive Income Strategies.  I use tried and true equations.  They never fail!

People fail.  Equations never fail.  And that's why I think I make them work so well.  Math never lies.  Math never cheats.  Math is consistent as long as you follow through with the equation!

Here are a few tips for you:

1)  Never do something just for the money without having a passion for it.  If you do something "just for the money" then you won't make money at it.  Pure and simple.

2)  Guaranteed, anything you have a passion for, there is a way to make money with it.  I don't care what anyone says.

3)  Your biggest enemy is...(ready for it?) YOURSELF!  You have to damper (or completely kill) that negative chatter in your head otherwise you'll psyche yourself out of every opportunity that life has afforded to you.

And finally...

Stop putting "coal" in your own "stocking," if you know what I mean.

See you at the top!

Your mentor,

Monica Main
www.MonicaMain.com

P.S.  My Holiday Blow Out for the BOGO on the Mentorships (or 1/2 off) is in full swing. Here's the link:  http://www.monicamain.com/buy_1_get_1_free_mentorship

P.P.S.  Here are your Monica Bucks in case you didn't get them yet:  http://www.monicamain.com/monica_bucks_2014

P.P.P.S.  Last one, I promise.  I'm still collecting "We Want You Back!" letters and cards for Lea.  If you want to send one, please send it to:  Global Success, Attn: Lea, 28170 Avenue Crocker, Suite 109, Valencia, CA  91355.  Remember, I'm seeing her on Friday, December 19th for the holiday staff dinner.  Time is running out if you want to get me a letter or card to pass onto her so we can get her ass out of retirement come January 2015!
 

First off, thank you for your support in getting and reading (and putting up Amazon reviews) for my Kindle book:  The 18-Month Millionaire.  It went to #1 in the "small business" category last weekend because of you guys and gals.  So, thanks a lot!!
Onto another subject...
 
Rumor has it that Lea may be coming back after the first of the year.  Of course, it's coming from somewhat of an "unreliable" source so...who knows?
 
For those of you who don't know who Lea is, she'd been with me for 5 years before retiring this past September.  She was the best customer service employee I've ever had and she has her own "fan base" among my students who -- I might add -- would rather talk to her on the phone than me.  That's how good she is.
When I tell you that retirement is boring it means that retirement is boring.  Most people last about a maximum of about 90 days before they're climbing the walls...and this is sometime after they've squeaked past the 60-day mark.  (This is why "retirement" shouldnever be your end-all be-all goal.)
 
Lea used to tell me that she has all these "projects" to do like finishing quilts and other such nonsense.  There are only so many home projects you can do before you start using that sewing needle to stab your own eyeballs out.
 
And I think that's where she might be right now.
 
It'll be good to have that bubbly personality of sunshine that she is back here at the office, even if it's only part time.
 
So, I called her to invite her to a GSS holiday staff dinner on Friday, December 19th.  This morning she called me to confirm that she'll be there.  (That's a good sign.)  I asked her about retirement and she didn't seem so enthusiastic about sitting around at home anymore. I asked her if she has thought about coming back and...she indicated that she was "maybe" interested in coming back part time.

And "maybe" she could come back within the first couple of weeks of the New Year. "Maybe."
 
I know some of you are hard-core Lea fans.  So...I have a little bitty idea.  For those of you who want Lea to come back, if you could, send her a card (to me here at the office) and I'll take these cards to her during this holiday staff dinner shin-dig on the 19th.
 
Maybe that'll convince her to come back, especially if I hand her a pile (or wheelbarrow full) of freaking cards.  And I'll bring a box of Kleenex too.  She tends to get emotional sometimes.
 
Here's the address if you're interested in sending out a card or a letter saying something like "We Want You Back!":
 
Global Success Strategies
Attn:  Lea
28170 Avenue Crocker
Suite 109
Valencia, CA  91355
 
Anyway, this year I decided to bring back Monica Bucks for the entire month of December.  You'll have until Monday, January 5th to use them.  If you're not sure what the hell that is, there are more details at http://www.monicamain.com/monica_bucks_2014. And yes, this applies to everything in my catalog.

Finally, I'll be running a kick-ass BOGO promo on my mentorship groups for most of this month.  I have a slew of mentorship groups for the first half of 2015 and, I have to say, this is how some of my most successful students started out.  These groups, as you know, are 100% online so there's nowhere to "show up" to.

I'm also bringing back the New Wealth Ninja Mentorship Group (at least once more) since this was the group that Gregg started off in. He's the one that is raking in about $85,000 a month on eBay with his Aggressive Income Business.  And he started building this business during this particular group so it's definitely something worth looking into joining if that's the Aggressive Income direction you want to go in.

Here's the link on the deal:  http://www.monicamain.com/buy_1_get_1_free_mentorship

Please note that this will be the mentorship group that will fill up the fastest and I'm limited to the number of students that I'll be taking in this group.  This particular group starts on February 11th.

I also have my other highly successful 100% LTV Mentorship Group which starts on January 14th among many other groups that you can take that hand-holding period I offer to help you learn all this stuff for an incredible year coming up for you!I'm sooooooo excited for 2015.  This is the year that a lot of you will see the economy "crack" wide open (in a good way).  It's been happening slowly but surely since 2011 (which many of you haven't really seen the result of yet).  Now you're going to see it go full force ahead and...if you have your sh** together with an Aggressive Income and/or Passive Income business going on then 2015 will your most prosperous year of this past 10-year "sucking wind" span we've had to deal with since the economy initially started tanking.

So click that seat belt of yours because if you line yourself up correctly, you're going to end up being a very rich guy or gal by this time next year.  (Of course, if you never peel your ass off the couch then nothing but Judge Judy will be "happening" for you.  If you're that lazy...good luck.)

Some more good stuff: I'm just starting up doing partnership deals with students again.  I tapered off doing these types of deals with students since about 2010.  I think my very last one-on-one partnership with a student was in 2011 if I recall correctly.  Since then, all of my students have been partnering with my wealthy investor partners that I have sprinkled around the country.  But many of you have been asking about direct partnerships with me and I'm starting to do those again...starting now.  This month.  I'll let you know more about the details of these deals soon so don't blow up my email inbox just yet.

I'm looking forward to 2015...and getting Lea back "maybe" after the first if the year.

Of course, you're going to help me with that, right?  (Hint: Send a card or letter to the address listed above.)

See you at the top!

Your mentor,

Monica Main
www.MonicaMain.com
 

I have a lot of students calling and asking about whether they'll be able to gain any access to the contacts from the Detroit seminar event.

The short answer:  yes.

You'll be able to work directly with my buyer's agent who handles all of Michigan as well as Ohio and Indiana.  His brokerage firm is so large that he can get you details and information on any property deal in the entire United States.

But, the best part, is that you'll also get access to our lender who does both conventional funding PLUS full equity partnerships where you won't have to put any money into a deal.

And, of course, you'll get the full details on the 100% LTV Bond Funding program including how you can participate in it.

The only thing you won't get (by not showing up to the event) is the ability to participate in the $9 million opportunity which, I would like to add, we've already had our first deal accepted by my Texan investor partner and it'll be going under contract this week. But...next time you'll be able to participate in the next opportunity.  (There are always opportunities that come up.)

One final thing I'd like to say:  the deal for the videos including direct access to the resources I've mentioned above ends tomorrow at 5pm Pacific Time.

Here's the link including an audio seminar:  http://www.monicamain.com/detroit_seminar_videos_2014

If you have any questions, please call my office at 661-295-5050.

See you at the top!

Your mentor,

Monica Main
 

After sending out the email about the bond program earlier this week, I've been getting flooded with emails from students who, apparently, are "thrown" by the term "100% Bond Funding Program" and think it has to do with bonds.
 
The term "bond" isn't really what it is when it comes to this 100% LTV funding program. If you take the word "bond" out of it, you'll be less confused.
 
The way I understand this program to be is that the funds are raised through a variety of different investors and thrown in a "pot."  This "pot" for the investors becomes some type of bond that they derive a financial benefit from (in the form of derivatives or drips).  Just like anyone who would buy into a bond or mutual fund, you would gain (ideally) a financial benefit from your buy-in as the asset (or program) makes money.
 
This bond program runs much the same way.
 
But it doesn't really pertain to you what happens with the investors on the back end because you don't handle any of these responsibilities.  The liaison (or the company providing this 100% LTV opportunity to real estate investors like you) deals with the intricacies of how their back end investors are paid. 
 
You, the real estate investor, just has to find a rock solid cash flowing piece of real estate that exceeds the $1 million required price point...and that's about it.
 
Please note that when working the numbers on my CFE (and if you don't have it, you can download it at www.monicamain.com/cfe) for your piece of property, you'll have to do things a little differently.
 
The default is for an 80/20 deal (80% LTV conventional loan and 20% cash down) which is the standard in this business.
 
However, since you are getting the 100% LTV, you'll have to make this change in the "financing" section of the CFE (in the top 1/3 of the "cash flow evaluator" tab).  Further, make sure you put the interest at 10% (even though that's probably higher than what you'll actually get) just to make sure your deal still cash flows when it's all said and done.
 
Finally, under the loan points section (above "financing") you'll see a line that says loan points.  The tricky part of all this is that the points are rolled into the deal or the loan.  So, you'll actually have to add the points somewhere else on the spreadsheet; the best way to do this is to "zero out" the loan points and ADD 10% to the purchase price of the property, since this is how it will look in reality.  (Unless you're coming out of pocket with the loan points as you do in most cases, you can't add the loan points in the regular section of the CFE as you would do for other deals.)
 
Once you make these minor changes to the CFE, you should then see if you still have (1) a strong cash flow, (2) a DCR exceeding 1.2, and (3) ideally a CAP that is at least 8% or higher.
 
By the way, now wouldn't be the time to get into a deal that is severely under-managed or under-performing because the numbers just won't work out right.  Never walk into a deal where you have no cash flow or, worse yet, a negative cash flow.  With these higher interest percentages and a rolled in 10% on the loan points, you'll have to make sure you are looking at a property that has a high occupancy level (over 90%) to make this work.
 
Also, what you lose on the 10% in rolled-in loan fees, negotiate with the seller of the property to chisel that 10% off the asking price which you'll be able to do 99% of the time anyway.  (Most sellers list their property for more than they know they can get due to every buyer wanting to negotiate lower: this is always how real estate has been.  List higher, expect a lower sale price.)
 
For more information on how you can get in on this 100% LTV program, click on this link now:  http://www.monicamain.com/detroit_seminar_videos_2014
 
See you at the top!
 
Your mentor,
 
Monica Main
www.MonicaMain.com
 

Last year I gave my students a tip on how to use the "holiday blitz" to remove some delinquencies off your credit reports.  The students who used this strategy reported that they increased their personal credit FICOs anywhere from 38 to 81 FICO points just by using this strategy.
 
So, I'm going to up the ante this year.
 
I know, I know...sorry.  You thought you were on the verge of enjoying a vacation, right?
 
Well, don't worry.  This will actually only take you a few minutes of your time and it's only for those of you who desperately need to boost your personal credit FICO points.
 
It'll also cost you about $100 to do this because you'll be overnighting these letters via USPS Express (which costs $19.99 x 3 envelopes) and you'll need a current copy of your credit report (which you can get for $39.95 from www.Experian.com).
 
Click on this link to download the letters you'll be using:  http://www.monicamain.com/credit_dispute_letters
 
But, the good news is that if you can get confirmation that all 3 credit bureaus (Transunion, Equifax, and Experian) received your dispute letter on Wednesday, November 26th (that's tomorrow), the 30-day clock immediately starts ticking.
 
And what happens then?
 
Most of their staff is either gone on vacation starting the lateral part of tomorrow through Monday.  Those who are working aren't mentally "on the job" and are probably going to be pissed off that they're working when they believe they shouldn't be.
 
In case you don't know how imperative this 30-day period is (starting tomorrow), let's analyze this period.
 
Again, tomorrow is November 26th.  Thirty days from now is Christmas Day.  And nobody is there then either.  In fact, during most of this next 30-day period, many of the credit bureau (and creditors including collection agencies, law offices handling collections, etc.) are taking loads of time off too.
 
Let me walk you through what happens when you file a dispute with the credit bureau. They receive your letter and have 30 days to investigate your dispute.  During this investigation, they will send a letter to the creditors you are disputing and require that they send the appropriate documentation required to substantiate that the account(s) you are disputing is yours.
 
Except that during the "holiday blitz," many of these employees working for these companies aren't around, they're taking extra time off, and when they actually are working, their minds are elsewhere such as thinking about shopping, cooking, partying, etc.
 
And this is where your advantage comes in.  If there is no response (or a late response) from any of these creditors or collection agencies, the delinquent account falls off your credit report.
 
Last year, because of a major hacking breach of security, the credit bureaus were blasted with disputes so they started using slick tactics to "buy time" in order to put off the 30-day time line.  They would do things like sending letters back stating that they didn't believe the letter was a "valid claim" or that they needed "proof" of your identity such as a driver's license and utility bill.
 
So, here's what you're going to do (if you want to take advantage of this "holiday blitz"). You're going to download these letters that are in the Microsoft Word document format. There is one for each of the bureaus including their respective addresses at the top of each letter.
 
Next, get a copy of your credit report.  If you received one recently (within the past 45 days or so) you can use that one.  Otherwise, go to www.experian.com and download a new copy.  Yes, it'll cost you $40.  So what?  You can also try some free services like www.creditkarma.com.  You really don't need your FICO.  You just need your delinquent or "negative/adverse" accounts.
 
Next, fill out each letter.  Include your full name, current residential address, and your prior address if you've moved in the past 2 years.  Include your Social Security Number and your date of birth.
 
The letters I've given you only has a section for one single disputed account.  Copy the entire dispute section and keep pasting it underneath one right after the other for each account you will dispute.  Put in the name of the creditor, the partial account number as shown on the credit report, and the dollar amount listed.
 
Remember, collection agency accounts (including those from a law office) will come off easier during this time than those from banks or very large lenders.
 
Print off your letters, SIGN the letter with a wet signature (use blue ink, if possible) then include a copy of your driver's license AND a utility bill of a major utility like the electric company or water company.  Make sure the service address on the bill MATCHES the address where you currently reside.  This will give them no excuse to kick out your dispute to buy themselves time.
 
Go to the post office and overnight Express each one in an Express envelope.  You'll have tracking information for each one.  And each bureau will receive this package tomorrow. This is when the 30-day clock will start.
 
What if you can't do all this by tomorrow?  That's okay.  You'll be working on doing this between now and throughout turkey day.  If you need a little extra time, overnight express your packages out this Friday right after Thanksgiving or November 28th.  The bureaus will receive your package on Saturday, November 29th.  And yes, the 30-day clock starts ticking.  This means the 30 days will end on December 27th...right after Christmas when people have, yet again, been off work and unable to respond.
 
Remember, the key element this year is to include a clear copy (preferably in color) of your driver's license and a major utility bill showing your current address.  Include this set of copies with EACH letter you send out.
 
By following these instructions, you will make the greatest impact on boosting your personal FICO during this time over any other time of the year because of these holidays that create "stumbling blocks" for the bureaus and creditors to respond in time.
 
Finally, I should add one more valuable tidbit of information: Experian is the only bureau that will allow you to dispute your "hard" inquiries.  So, on your Experian letter, mention that you are also disputing the following inquiries then list the name of the company that put the inquiry on your credit and the date of the inquiry.  Doing this alone can boost your score 10 to 20 points alone with Experian.  (The other bureaus won't remove hard inquiries but sometimes I ask them too anyway because you never know when they may change their policies.)
 
Again, here's where you can download these letter files so you can start getting to work right now:  http://www.monicamain.com/credit_dispute_letters
 
See you at the top!
 
Your mentor,
 
Monica Main
www.MonicaMain.com
 
P.S.  Don't want to fix your own credit?  Our credit building service is now back after going on a "hiatus" from taking new students for almost a year.  And yes, if you sign up now, we'll get your first set of disputes out during the "next wave" of the credit "holiday blitz" between Christmas and New Years.  Here's a link with more information:  http://www.monicamain.com/credit_building_service
 
P.P.S.  Videos from the Detroit Underground Secret Event are selling like hotcakes.  I also reveal some credit secrets during the event that will blow your mind.  Here's more information:  http://www.monicamain.com/detroit_seminar_videos_2014