Credit repair is the process of addressing any questionable negative items that could be hurting your credit profile. If the bureaus and your creditors can’t verify these items are fair and accurate, they are required to remove them. Also, it’s our name.

The law entitles you to an accurate, fair and substantiated credit profile. If something on your credit isn’t right, you can correct or repair it with the credit bureaus and your creditors.

Unfortunately, we can’t guarantee anything. But we can promise to help you work to address any unfair or inaccurate negative items hurting your credit profile.

Honestly, we can’t say. There’s no way to predict in advance how long it will take to repair your credit, as every credit situation is different. That being said, past members have seen an average increase of 70 points in just four months*, and have typically stayed with us for six months. Also, bobcc.org offers a variety of service levels, and the strength and amount of credit repair increases with each upgrade. If you’re interested in a product with more credit repair baked in. *Your results will vary and are not guaranteed.

bobcc.org offers several service levels to match your particular needs. Some of these are even free.

Yep. You just need to contact the bureaus and your creditors to address any errors on your credit. That being said, this process is time consuming and confusing. Working with a reputable company can help you remove these items from your reports quickly and efficiently.

Unfortunately, we can’t guarantee anything. But we can promise to help you work to address any unfair or inaccurate negative items hurting your credit profile.

Think of credit repair like an investment. A little effort today could save you thousands of dollars (and a headache) tomorrow. We offer a variety of service levels to support every budget. We offer a program for low-income families you must be approved for that program. Give us a call today and we’ll help you find the right service for your unique circumstance.

Of course. You have a right to a fair, accurate and substantiated credit profile. Credit repair is simply one of the ways to help you get there.

The credit bureaus and your creditors are required by law to remove any negative items on your report that they can’t prove are accurate, fair and substantiated. When these items are deleted from your payment history, we call that a removal.

Anything inaccurate, unfair or unverified can be challenged with the bureaus and your creditors. This includes collections, late payments, charge-offs, liens, bankruptcies, repossessions and more.

Anything in your credit history that could lower your score is a negative item. Things like collections, late payments, charge-offs, liens, bankruptcies, repossessions and more. Especially if these negative items came as a result of identity theft, divorce, medical debt, student debt or military leave, you may be able to remove them through credit repair.

No, but it might feel like it. Most negative items will fall off of your report after seven years, though it could take as long as 10. If you’d rather not wait that long, credit repair is a great alternative.

Yes, your creditors may report an item again, even after it’s been removed or deleted. That’s why it’s important to contact both the credit bureaus and your creditors. This will increase the likelihood that inaccurate or unfair negative items will not reappear on your credit.

According to CreditCards.com and CNNMoney, even a single negative item on your credit could cost you over 100 points.

Indirectly, yes. While filing for divorce won’t hurt your score, some of the symptoms of divorce could create credit problems. For example, many people miss a payment on their credit during the frenzy of divorce. Or in the aftermath, it may be unclear who is responsible to pay a debt, and payments may be missed. These missed or late payments could adversely impact your score.

Yes. When someone uses your name to obtain credit, that trade line, and any missed payments or collections associated with it, will show up on your credit reports. Even after you’ve recovered your identity, these issues could still be lurking on your credit report. Credit repair is essential to true identity theft restoration.

Yes, past-due medical bills can affect your credit. The good news is, there are laws to protect against certain practices in medical debt reporting. If your credit is being negatively affected by medical bills, credit repair may be a solution for you.

Yes, but they can also help your credit. Paying your student loans back on time will benefit your score. Alternatively, missing these payments can cause some significant damage to your credit profile. If that sounds like you, or if you’ve missed other payments as a result of your student loans, it may be time to look into credit repair

While there are many laws that apply to your credit, the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA) are the two laws we utilize the most.

Our average client uses our services for six months, so the sooner the better. Especially if you have plans to buy a home or car soon, getting started today can save you a big headache tomorrow.

No. Even after a questionable negative item is removed from your credit, the actual debt is still owed (assuming it was valid to begin with). If you don’t pay the debt, the creditor or collection agency may re-report the listing. Removing a negative item without addressing the debt is only a temporary solution. In fact, if you feel a negative credit listing is 100% accurate, timely and verifiable, we recommend you don’t dispute it.

Unless the collection is being falsely attributed to you, pay it. The collection is likely already hurting your credit score, and leaving it unpaid will only make the damage worse. If the debt is one that you do not owe, our service levels offer debt validation procedures that can help you get the collection removed from your credit profile.

You might think so, but unfortunately it does not. When you pay an old debt, the negative credit item doesn’t disappear, but is typically listed as a paid delinquency, charge-off or collection. If your goal is to repair your credit, just paying off your debts won’t get you there.

Yes, Bobcc.org will cover 50% of the first-work fee for veterans and active military. Identification required.

We’ll stop your service. We won’t delete your account, but unfortunately, we can’t provide our services for free with our coaching program. If you can’t afford your current service level, however, we are more than happy to work with you to provide a different product more suited to your needs and budget. We also are able to set up a monthly payment that will work for you while taking our course.

Please do your research when it comes to training, we always say just because you have a certification does not mean you will get what you need out of the training it takes so much more than that. The first and most important thing to remember is when it comes to finding the right program, please find a program and team who will always be there for you, and we mean always. If you win, we all win. Here are just some of the courses out there and the fees. Course Length: Self-paced (around 14 weeks) Program Cost: $1,295 Accreditation: Mode of Delivery: Online Course Length: 6 months (complete FFC™ certification) Program Cost: Available upon request. Accreditation: Mode of Delivery: Online Course Length: Self-paced (around 4-6 months) Program Cost: $2,997 Accreditation: Mode of Delivery: Online Course Length: Self-paced (around 1.5 months) Program Cost: $2,295 Accreditation: Mode of Delivery: Online Cost: $2,995 to $13,395 Length: 3 days or 9-12 months Specialty/focus: Earn three certificates through one program. Cost: $995 Length: Three days of immersive intensive Specialty/focus: Quick certification; core competencies of being a life coach. Cost: $5,950 total Length: About 6 months Specialty/focus: Dual life and health coach certification; entirely virtual Cost: $2,499 Length: Six months Specialty/focus: Master life coach certification Cost: $7,800 Length: 18-24 months Specialty/focus: Comprehensive coaching program; prep for a master coaching certification Cost: $6,095 Length: 6-8 months Specialty/focus: Designed for working individuals; entirely virtual.

A budget is a comprehensive plan that outlines your income and expenses over a specific period, helping you manage your finances effectively.

Budgets are used for planning and controlling. Planning involves setting financial goals, while controlling ensures that you stay on track to meet those goals.

Budgeting helps you prioritize spending, save for future goals, avoid debt, and identify potential financial bottlenecks before they become issues.

A continuous budget, also known as a rolling budget, is a 12-month budget that is updated monthly by adding a new month as the current month ends.

To create a budget for your personal finances, start by listing all your sources of income and then track your expenses. Allocate a portion of your income to different categories such as bills, savings, and discretionary spending. Regularly review and adjust your budget to ensure it aligns with your financial goals.

A self-imposed budget, or participatory budget, is created with input from all levels of an organization, ensuring that everyone’s insights and needs are considered.

Set realistic goals, track your spending, use budgeting apps, and regularly review and adjust your budget to stay on track.

Financial experts often recommend saving 15% of your income for retirement, but this can vary based on your individual circumstances and retirement goals.

It’s common to have unexpected expenses. Regularly reviewing and updating your budget can help you accommodate these costs and adjust your spending accordingly.

Blessings Over Bondage coaching & consulting has been in business since 2018, formally called icscoreandsealsolutions, we step back from the business in 2023 to gain the knowledge needed with all the changes that have taken place, complete more training and our biggest goal was to certified in coaching. You can fix your credit but you also have to train yourself on how to keep your FICO scores looking great, and that comes with coahing 99% of the time. and Our team of credit coaches have helped customers remove inaccurate items from their credit. Past members who used our credit repair services saw an average 70 points in just increase on their score in just 6 months

When someone tells you they have a coach, the first thing you might think is that they’re training for a huge race or an epic hike. And while that could be true, coaches aren’t just for athletes anymore. In fact, now there's a coach for just about anything you need, and every coach has their own specialty: Life coaching Personal coaching Career coaching Leadership coaching Financial coaching A financial coach is a trained money expert, only they meet you where you are and use language you can understand. If you choose to work with a financial coach, the experience can be a game changer. They can help you stick to a budget, cheer you on as you attack your debt and help you gain more confidence in your personal finances. With a financial coach in your corner, you can overcome money stress and get financial peace. And who doesn’t want that kind of result?

A financial coach is a guide (who’s also a money whiz) who joins you on your journey. They’re there to help—think of them as your personal cheerleader. As a trained money expert, they’ll teach you how to: Analyze financial information. Track income and expenses. Suggest ways to adjust financial habits. Show clients how to save money for investing. Teach positive money-handling strategies. Help clients get out of debt. Set money goals. Create (and stick to) a budget. Eliminate your debt. Change your money habits for good. And the best part? A personal financial crisis isn’t required! You’ll benefit from working with a financial coach even if you feel like things are going pretty well. When it comes down to it, we all have something to learn about how we can manage our money better. Because if you change your money habits, that changes everything. It’s important to remember that, while financial coaches help all kinds of people in all kinds of ways, they’re not legally able to give you investment advice. (If you’re looking for that, you’ll need to talk with an investment pro.)

At this point, you might be thinking to yourself, Wow, this sounds really great. Heck, maybe you’re thinking of connecting with a financial coach yourself. And you should! But first, it’ll help to know what a coach does. Every coaching session is a little different. Typically a financial coach will: Help you uncover your financial goals Work with you to make a plan (so you’ll actually achieve them) Hold you accountable to your plan (with a budget that works) Help you change your money behaviors Cheer you on through all your wins—from small to big The best coaches understand what you’re going through because so many of them have been there themselves. Because of this, they may push you out of your comfort zone a little. And why? They know from experience it’ll be worth it.

Making your money do what you want it to isn't about what you know, it’s about what you do. In other words, there’s a why behind every action. We often do stuff because of how it makes us feel. You may be looking for a coach because you feel like you have no control over your money. But personal financial coaching is a process that can teach you how to make a plan—and help you stick to it even when it's hard. Once you've proven to yourself that you really can change some of those old habits, that pesky out-of-control feeling will be long gone. And that's the kind of stuff that can change you for life. That’s why money coaching is a process—an ongoing relationship—not a one-time transaction. Your financial coach isn’t just there to give you a to-do list (heck, an app could do that). Nope. They're a real person who’s passionate about helping you for real, and they’ve got your back when you have questions or need a little encouragement to keep going. A Financial Coach Helps You Set Financial Goals That Make Sense Your financial coach knows goals are never one-size-fits-all, so they’ll help you set goals that make sense for you: Paying off your debt Building your emergency fund Saving for your house, vacation and retirement Starting a business Whenever and however you set financial goals, they have to be yours. Because if you don’t own your goals (or if they don’t make sense for you), you won’t feel a deep desire to achieve them. And if your goals don’t make sense, you’re back to square one. So, coaches help you set goals that make sense for you—and help you stick with your plan. Take It Step by Step The coaching process isn’t always easy, so don’t expect to see instant improvement. It’s a step-by-step process, and it takes time. Making big changes isn’t easy or quick—but there is a light at the end of the tunnel. Your financial coach can walk with you through the hard stuff. If you’re in a tough place with your money right now, you know at least two things: It didn’t happen overnight. And neither will getting out of it. Your coach understands making progress and achieving goals is so worth it though, which is why they're your biggest fan.

Listen, finding a coach you feel you can trust can be tough. It’s not easy being vulnerable about this stuff. But at the very least, you know you want a coach who: A financial coach assists individuals with behavioral finance, budgeting, income management, and debt management. They help clients understand their true motivations and fears related to money. Financial coaches act as mentors, guiding clients toward setting goals and better managing their finances. And remember, you get to be the one who makes progress happen in your life—because your coach doesn't do the work for you. You do. And that means you get all the (well-deserved) credit for your wins! Your Coach must: Offer real help that actually works Has the heart of a teacher And really hears you. Want a simple, trusted way to do that? Good news! You can give us a try and we guarantee by the end of our meeting we will understand exactly what you want and need. And we are ready to help you! Book your consultation now.

Here are some steps for becoming a financial coach: Are you inspired to help those who are caught in their own financial stress? Starting your own coaching business could be a great fit. But before you step out on that journey, you’ll want top-notch training and certification. 1. Learn to teach financial literacy Teaching financial literacy has two important components. First, you need to have the knowledge base to teach financial literacy concepts, so you need enough knowledge about finances to be competent in guiding your clients on how to improve their finances. Second, you need to feel comfortable teaching those concepts, understand teaching strategies and learn how to coach your clients based on their needs. 2. Earn certifications While it is not a requirement to have a financial coach certification, earning certifications can give you more knowledge and credibility and a competitive edge. Most clients have an easier time trusting someone with strong credentials in the field. There are many organizations that offer financial coaching classes, tutorials and certifications, but it may be best to use an organization with nationally recognized credentials. Here are a couple of nationally recognized certifications: 3. Find your focus area Many financial coaches find a niche they really enjoy or choose to focus on a specific area of personal financial advising. Often this area of expertise comes from personal experiences, like turning around a bankruptcy, developing a method for saving or creating a strategy for paying off debt. Whether your area of focus comes from personal experience or love of studying that topic, it's good to have a focus area that you can use to market your services and then teach to your clients. 4. Learn from other coaches Gaining experience is a common way to build knowledge and grow your expertise. It can help you learn about new tactics, see what strategies work best, experience different clients and observe the coaching process. There are many ways to get financial coaching experience, like shadowing someone who is already a successful financial coach or watching videos and podcasts. Other ways to gain relevant experience include: Internships Apprenticeships Conferences Workshops Volunteering Networking Joining an organization 5. Choose your tools and resources As you build your own financial coaching business, ensure you have the tools you need to be successful. Some tools to consider are a business website, a business blog and investing in software programs. Financial coaching software can help you manage clients by saving and analyzing their financial information. It also keeps all their personal financial information secured and in one location. A business website or blog can help you advertise and market your business, keep your clients engaged in your services and provide resources to your clients. Financial coach skills There are many hard skills and soft skills that financial coaches need, including: Using software for financial analysis and presentations Knowledge of accounting, economics, psychology and math Active listening, good communication and other interpersonal skills Critical thinking, problem-solving and decision making Staying up to date on financial trends and strategies Qualifications and Certifications: Technically, you don’t need any certifications to become a financial coach. However, many coaches choose to gain a financial education through personal experiences and by analyzing how others manage their money. Some financial coaches do hold certifications, which can provide a competitive advantage. Financial Coach vs. Financial Advisor: Unlike financial advisors who recommend specific investments or manage portfolios, financial coaches concentrate on human emotions and money-related behaviors. Coaches create systems that lead to better financial outcomes and assist with long-term financial goals. We offer a Financial Coach Training online; you will gain all the knowledge needed in our course and we will stand by you from start to finish and beyond. Knowledge is power and understand the laws and how to work with people is the best way to kick-start your financial coaching practice. We train and support coaches on how to guide their clients from confusion to success. Want to work with the best? There’s an open seat with your name on it!

Bobcc.org main office is located in Texas; Our Coaches are located in all many different states and 99% of our services are completed online.

Life Coaching: Life coaching is not regulated by federal or state agencies. There are no formal education requirements for life coaching, but obtaining certification is highly advisable. Telecoaching and Virtual Coaching: There are no specific laws regulating telecoaching or virtual coaching. State-Specific and General Regulations in Life Coaching- We Train Life Coaches

Sadly, we do not. Credit coaching just isn’t something that can be guaranteed. What we can guarantee, however, is that we will do everything in our power to help you achieve the credit score and get your money matters in line like you deserve to break free from the financial bondage.

We offer different products and services to match every budget and we most definitely have a program that will work for you and with you.

If we aren’t meeting your expectations or you no longer need our service, you can cancel at any time. Just remember, no matter who you choose to work with, train with nothing will happen overnight and the key to success is mindset, goals and putting in the work. To do so, you can cancel your engagement agreement at any time by emailing us @.

Professionalism Collaboration Humanity Equity

As An Bobcc.Org Professional, In Accordance With The Standards Of The BOBCC.ORG PROFESSIONAL Code Of Ethics, I Acknowledge And Agree To Fulfill My Ethical And Legal Obligations To My Coaching Client(S), Sponsor(S), Colleagues And To The Public At Large. If I Breach Any Part Of The BOBCC.ORG PROFESSIONAL Code Of Ethics, I Agree That The BOBCC.ORG PROFESSIONAL In Its Sole Discretion May Hold Me Accountable For So Doing. I Further Agree That My Accountability To The BOBCC.ORG PROFESSIONAL For Any Breach May Include Sanctions, Such As Mandatory Additional Coach Training Or Other Education Or Loss Of My BOBCC.ORG PROFESSIONAL Membership And/or My BOBCC.ORG PROFESSIONAL Credential. We at Bobcc.org put our clients first and will take action against anyone who puts our clients well-being at risk!

Nowadays, more and more companies are facing threats from hackers and cyber-scammers. With that in mind, most life coaches hold personal data about their clients, which must be protected. A breach will not only affect the coaching relationship but also the security of the client. The software we use is stellar and safe. We use the safest software, and we ask that you enter your own information. The platforms we use offer to us who in turn offers to your information safe. Leverages leading tools from Amazon Web Services (AWS) to manage security and access controls, in line with industry best practices. Servers are within a virtual private cloud (VPC) with network access control lists (ACLs) that prevent unauthorized requests from getting to the internal network. Advanced Encryption Standard (AES 256) to encrypt data at rest and Transport Layer Security (TLS) to encrypt data in transit. This ensures that all traffic between you/your clients is secure during transit and at rest. Third-party security tools to continuously scan for vulnerabilities. An internal dedicated security team responds to issues raised. Engages third-party security experts to perform detailed penetration tests application and infrastructure. Accepts external vulnerability reports that are submitted by security researchers. Payment system integrates with xxx allowing both private individuals and businesses to accept payments over the Internet. All sensitive data is transferred directly to servers over a secured and encrypted channel, fully complying with US regulations. We do not store bank accounts or credit card info. The software we use provides a comprehensive solution for credit professionals and advanced consultants. Here’s what it offers: Client Portal: Manage leads, billing, affiliates, team members, appointments, SMS, and voice broadcasts. Say goodbye to trips to the post office! Handle everything directly from the dashboard. Import Credit Reports: Import reports from services so that we are able to show you the way and release the financial bondage. CROA/TSR Compliant: Ensure compliance with industry regulations. Always consult with legal professionals if needed. 🌟 We are not attorneys and will not give legal advice.