Category Personal Credit

MLM And “Direct Sales” Truths

Recently I have been approached by an unusually high number of friends and acquaintances giving me “the pitch” on a new MLM scam… uh I mean Scheme (Freudian Slip). This is to be expected I supposed in our current economic state. Unemployment is at recent highs and even those who are gainfully employed are facing financial difficulties as a spouse may be unemployed or at the least haven’t seen an increase in income in many years.

I try to be a good steward of the resources I feel that God has given me. In my core value system, I feel the need to take great steps in research, and prayer prior to making a significant decision that will impact the finances of my family. I must admit, that I always have been HIGHLY skeptical of all pyramid schemes and MLM “opportunities”...

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Improve Your Credit Score

Attached are the notes from a Free Credit Seminar conducted by Eric Rollings CEO of on how to improve your credit score.
Thank you for your interest in the workshop. These are basic instructions for the letter templates I provided.

Links to forms:

Free Credit Seminar Heaven View Notes

PRELIMINARY STEP: Go to, or a similar site and pull your credit. You can get a score, but it is not the same as what a mortgage broker or auto dealer would pull. It will help you measure your success. Make copies of your latest credit reports. Keep a set of “clean” originals.


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