WHO IS STEVEN
“I work with individuals and entrepreneurs to help to help them improve their finances. From fixing actual problems with credit and taxes to implementing efficient financial accounting systems, I am able to help almost any person or small business improve its finances.”“FIX YOUR FINANCES, IMPROVE YOUR LIFE.”
– Steven Palmieri
THE CREDIT REPAIR PRE-LITIGATION DISPUTES MOVEMENT
Steven got into credit repair in 2008. At the time he was a finance manager in the car business and had a portfolio of rental properties. The market was crashing and Steven saw himself getting ready to enter his own personal financial free-fall.
Steven met some folks who he partnered with to do credit repair and after a year he re-booted the business on his own. In 2009, Steven did 3 things that at the time he would never have known would have laid the foundation for the Credit Repair Pre-Litigation Disputes movement which would start to take hold almost a decade later in 2020. Steven read a consumer protection law book called Fair Credit Reporting by the National Consumer Law Center which laid out the entire framework of how credit bureaus, debt collectors, and financial institutions are supposed to operate. He purchased the training manual for the industry standard of how to report accurate data. This manual is called the Credit Reporting Resource Guide and the industry standard data format is called Metro2®. And finally, he went on a journey to find a lawyer with whom he could work in tandem to help his clients sue credit bureaus and data furnishers for not conforming to their own industry standard for accurate credit reporting.
In 2012 Steven had his first clients file suit against the credit bureaus and data furnishers for what Steven believed were violations on their part of their own industry standards. Over the next several years Steven had around 40 clients sue the credit bureaus and data furnishers in order for the consumers to get the credit bureaus and data furnishers to fix the credit reports so that they would conform to the industry standard for accuracy.
Through this process Steven learned that it is never easy being David going against Goliath. Over this period of time Steven was subpoena’d several dozen times and required to appear in depositions almost as many times where the credit bureaus and data furnishers would ask him questions as a fact witness regarding the client disputes and accuracy issues involved in the consumer litigation.
Steven realized that the power and resources that these companies possess to continuously subpoena and depose him meant that he had to develop a more efficient method of helping consumers enforce their consumer rights against these titan corporations.
Over the next few years Steven regrouped his business, learned new skills including taxes, bookkeeping, and general accounting, and he re-tooled his credit repair strategy to involve the furnishers in subsequent disputes as well as to use laws other than the FCRA to dispute errors with the furnishers and financial institutions.
Since almost the beginning of this journey, Steven would either set up the client disputes as an affidavit for the client to adopt or he would use a Power of Attorney and prepare the client disputes on his company letterhead on behalf of the consumer. This counter-culture approach to credit repair was ahead of its time and would ultimately set the stage for the Credit Repair Pre-Litigation Disputes movement to take shape.
In late 2019 Steven found out by pure accident that this movement was waiting to be unleashed. Steven was in a credit repair Facebook group and he made the post that sparked this movement. Steven posted that his standard credit repair method involves getting a notarized POA from each client and that he sends all correspondence out to the credit bureaus and furnishers on his company letterhead. This seemingly simple post set in motion a series of events that would change the credit repair industry forever. This one post lead to almost a dozen people reaching out to steven wanting to learn more about the “POA dispute method” as they almost all called it.
Realizing that there were people who were wanting to learn how to improve their credit repair businesses and to operate ina more transparent manner, Steven started the Credit Repair Pre-Litigation Disputes Training Group which is designed to be powerful enough for the most seasoned company but cost effective enough for the smallest start-up company. This training course is the only credit repair training course fully endorsed by Matt Listro, founder of Credit Con.
Today, Steven is the founder of the Credit Repair Pre-Litigation Disputes movement which is comprised of credit repair small business owners who have a hunger to dispute credit on a higher level that that which the credit repair industry traditionally teaches.
JOIN TODAY THE CREDIT REPAIR INDUSTRY PRE-LITIGATION DISPUTES TRAINING GROUP FACEBOOK COMMUNITY.
- Join in on the pre-litigation disputes movement conversation
- Enjoy a community forum where you can ask questions and learn
Steven Palmieri Financial Fixer® University offers training in 1 generalbusiness qualification and 1 specialized business qualification.
- General Business Qualification
- Understanding Finances for Entrepreneurs
- Specialized Business Qualification
- Credit Repair Pre-Litigation Disputes Method
Credit Repair Pre-Litigation Disputes Method Program
FOUNDATIONAL COURSES
Foundational Fundamentals – Law and Government 101 – US Law Intro Fair Credit Reporting Act Explained
Credit Reporting Industry Standard as the Basis for Accuracy
General Description: – The requirement for Accurate credit reporting may very well be the most important component of the FCRA; yet, accuracy is not defined within the FCRA. To resolve this issue, the credit bureaus and their trade association developed a data format called Metro2® to enable the uniform reporting of accurate, complete, and timely credit information.
What You Will Get:
- Understand the fundamentals of the credit reporting industry standard
- Learn how to read a report based on the industry standard
- Learn how to defend your disputes based on the industry standard
Using a Power of Attorney
General Description: When Congress passed the FCRA, they stated in part that “It is the purpose of [the FCRA] to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer…” (15 USC 1681(b)). There is nothing more fair and equitable to the consumer than to allow him or her to hire the services of a trained professional to place him on equal footing to the credit industry. To do this, you should use a Power of Attorney to step into the shoes of the consumer.
What You Will Get:
- Learn the basics of a Power of Attorney
- The difference between the FCRA and POA law
- Learn how to defend your disputes using a POA
Credit Repair Basics
General Description: Starting a credit repair company may seem simple. But trying to navigate through the laws and regulations that oversee this industry can seem overwhelming for a beginner.
What You Will Get:
- Overview of the Telemarketing Sales Rule
- Overview of the Credit Repair Organizations Act
- Overview of state credit repair laws
Building a Solid Fact Pattern
General Description: One of the key differentiators between the Credit Repair Pre-Litigation Disputes Method and all other credit repair methods is that this method teaches you how to think through your disputes in a way that enables you to build a solid fact pattern that can allow your client file to be turned over to a consumer protection lawyer if necessary
What You Will Get:
- Laying the foundation with the first dispute
- Adding to the fact pattern with each subsequent dispute and correspondence.
ADVANCED LEVEL COURSES
- Litigation – The Good, The Bad, and Everything In Between
- You Are a Fact Witness
- Expert Part 1: Becoming a Subject Matter Expert
- If you want to take your level of professionalism to the next level, you need to become a expert in understanding the Credit Repair Pre-Litigation Disputes Method
- Expert Part 2: Become an Expert Witness
- Types of Expert Witnesses
- Drafting Expert Witness Reports
- https://www.expertinstitute.com/resources/insights/drafting-expert-witness-reports-pitfalls-best-practices/
- https://www.litigationinsights.com/tips-prepping-expert-witness/
- https://www.expertinstitute.com/resources/insights/how-to-qualify-an-expert-witness-a-sample-voir-dire/
- https://expertwitnesstrainingcertification.com/
- Mock Trial
- https://dhsmocktrial.weebly.com/09—expert-witnesses.html
- https://dhsmocktrial.weebly.com/qualifying-experts.html
THE FINANCIAL FIXER® PHILOSOPHY
The Financial Fixer® philosophy is simple: Provide an integrated approach to help individuals and entrepreneurs with all of their financial issues.
Often, individuals and entrepreneurs find themselves experiencing financial difficulties or inefficiencies and the search for a solution can seem more painful than the issue itself!
Steven has been entrepreneurial all of his life and he has been dealing with credit and finances since he was 21.
“I observed that people often times don’t just have 1 type of financial issue. They often have multiple matters that are all interrelated such as credit, tax, and cash flow issues. My philosophy is to take an integrated approach to helping resolve all of the issues for a person.” – Steven Palmieri
Entrepreneurs often have business projects all over the place and their financials are a mess. Perhaps their credit got messed up or they haven’t filed taxes in several years. Or perhaps their bookkeeping and payroll is a mess and they do not have clarity into their numbers.
The Financial Fixer® philosophy allows a person to get his or her initial financial issues resolved and then implement a plan to streamline and automate as much financial work as possible.
FUNNEL FOR STEVEN PALMIERI FINANCIAL FIXER® UNIVERSITY
Steven Palmieri Financial Fixer® University offers training in 1 general business qualification and 1 specialized business qualification.
- General Business Qualification Program
- Understanding Finances for Entrepreneurs
- Specialized Business Qualification Program
- Credit Repair Pre-Litigation Disputes Method
Who is Steven Palmieri Financial Fixer® University Designed for?
The General Business Qualification Program of Understanding Finances for Entrepreneurs is designed for any entrepreneur who is wanting to get a better understanding of the principles of entrepreneurial finances including accounting, tax, debt, credit, and financial system automation and streamlining
The Specialized Business Qualification Program of Credit Repair Pre-Litigation Disputes Method is specifically designed for entrepreneurs who run (or who are wanting to start) a credit repair business. This course is not designed for consumers. This program provides in-depth courses that will help you go from credit repair start-up all the way to credit repair pre-litigation expert witness. Never again send out a client dispute without having leverage!
What are you interested in learning?
CREDIT REPAIR PRE-LITIGATION DISPUTES METHOD PROGRAM
The Credit Repair Pre-Litigation Disputes Training Course is designed to be powerful enough to benefit the most seasoned credit repair professional while nimble enough to be a launching pad for start-up credit repair companies.
Some of the benefits include:
- Weekly live video webinars where you can interact with Steven and get your questions answered
- Private Facebook Group with other training course members where you can interact with Steven through the week and post up questions.
- Access to legal library resources that would cost thousands of dollars by themselves
THE THREE PILLARS OF CREDIT REPAIR PRE-LITIGATION DISPUTES
Credit Repair Pre-Litigation Disputes consist of three pillars:
- Use a notarized Power of Attorney to send disputes directly in the name of your credit repair company
- Use the industry standard to understand how to read a credit report for accuracy
- Use the data furnishers as important resources to leverage your disputes
POWER OF ATTORNEY
Many people have the misconception that a credit accuracy dispute to the credit bureaus must be sent by the consumer. Not only is this not true, this goes against the spirit of the FCRA when Congress stated that “It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer…” (15 USC 1681(b)). There is nothing more fair and equitable to the consumer than to allow him or her to hire the services of a trained professional to place him on equal footing to the credit industry.
UNDERSTAND THE INDUSTRY STANDARD
Learn The Industry Standard for Credit Reporting Accuracy
Metro2® is the industry standard that the credit bureaus and data furnishers have created and adopted to comply with the FCRA’s requirement to report accurate, complete, and timely information. Learn key concepts on how to read a credit report based on the industry standard for accuracy.
Many people struggle with understanding how to get the fundamental basics of reading a credit report. This course will walk you through the building blocks of the industry standard so that you can more confidently:
- Read a credit report
- Structure accuracy disputes with leverage and confidence
- Reasonably anticipate the potential outcomes of your dispute
- Be aware of your follow-up options before sending your dispute.
DISPUTE WITH THE DATA FURNSIHERS
Many people only dispute with the credit bureaus and stop short of leveraging the power of disputing with the data furnishers. The Credit Repair Pre-Litigation Disputes Method allows you to confidently and professionally dispute with the data furnishers. Since the furnishers are the source of the data that the credit bureaus have in their databases, it only makes sense that the furnishers should also be able to be effectively questioned during the credit dispute process.
Set an Unshakable Dispute Foundation
The Credit Repair Pre-Litigation Disputes Method places an emphasis on creating a high-quality first-round dispute that lays the foundation for all subsequent disputes and communication. The way that Congress intended the Fair Credit Reporting Act to operate was for the burden to be placed on the consumer to inform the credit bureaus of their errors. But once the credit bureaus were put on notice of their errors, Congress placed the burden on both the credit bureaus and the furnishers to have “reasonable procedures” to either properly modify or delete the inaccurate item.
The way that Congress crested the FCRA enables the consumer to more easily seek legal recourse if the dispute is believed to have not been reasonably resolved after the dispute.
WHAT IS PRE-LITIGATION
The Credit Repair Pre-Litigation Disputes Method teaches that almost everything after the round 1 dispute should be treated as “pre-litigation.” In other words, it should be treated as a negotiation with the credit bureaus and furnishers that leverages the failures in the round 1 dispute to compel a deletion of the information that is believed to have not been properly corrected after the round 1.
A key concept is that credit information which remains inaccurate after round 1 and which has not been deleted is now rendered false information because the information is not authorized under the FCRA to remain reporting after 30 days unless it is corrected. In other words, an item that continues to report inaccurately after the dispute is false information because it should not be in the credit report at all.
Leveraging the power of a well-formulated round 1 dispute puts the consumer in a much better position to negotiate the pre-litigation perspective in all subsequent communication.
CARDONE U FUNNEL
Fix Your Finances Now
Regardless of what industry you are in, if you’re an entrepreneur and you want to learn more about how to improve your personal and busines finances, this is for you.
If you run a credit repair organization, there is an entire Program catered to this industry in addition to the general university material!
Steven Palmieri is a true entrepreneur who had to learn the hard way how personal and business finances work. He went bust in the 2008-2009 market meltdown and turned his adversity into opportunity.
GET STARTED TODAYEverything you need to know to improve your finances and your life!
- Learn how to read a balance sheet and profit and loss
- Understand how money flows through businesses to the owner
- Understand different business structures
NOW ONLY $99/month!
Join Steven Palmieri Financial Increase University Today!
LIMITED TIME OFFER
NOW ONLY $99/month!
Who is it for?
The General Business Qualification Program of Understanding Finances for Entrepreneurs is designed for any entrepreneur who is wanting to get a better understanding of the principles of entrepreneurial finances including accounting, tax, debt, credit, and financial system automation and streamlining
The Specialized Business Qualification Program of Credit Repair Pre-Litigation Disputes Method is specifically designed for entrepreneurs who run (or who are wanting to start) a credit repair business. This course is not designed for consumers. This program provides in-depth courses that will help you go from credit repair start-up all the way to credit repair pre-litigation expert witness. Never again send out a client dispute without having leverage!
By becoming a Financial Fixer University member you gain access to the most comprehensive library of content designed to help you as an entrepreneur excel in your business and your life
Financial Fixer University helps members develop real world skills that have a direct impact on their ability to more effectively manage and understand their finances.
The Financial Fixer University Membership program provide industry leading content, live training, and the opportunity to connect with like-minded people within the training community.
The goal of Financial Fixer University is to provide members with the content, coaching and connections that will open the door to allow them to achieve exceptional results in understanding and improving their finances and life.
GET PALMIERI CERTIFIED
Becoming a Steven Palmieri Financial Fixer University Certified Expert lets you tell people that you have achieved the level of understanding of entrepreneur finances that is required to grow a successful business.
Frequently Asked Questions
How long do I have access to Financial Increase University?
Your access to this program is on a monthly basis as long as you remain an active member.
Who is the ideal student?
Any entrepreneur who wants to gain a better grasp of small business finances. Additionally, there is a separate program specifically designed for credit repair professionals
Is there a physical University to attend?
This program is designed for the modern learner. There is no physical university. It can be accessed anywhere, anytime, on any desktop, tablet, mobile, or laptop.
How long will it take to complete?
This is a self-paced program. You can take the courses as you have time.
