TheCreditGuyTV Podcast

De: Dave Sullivan
  • Resumen

  • This podcast is my attempt to END the credit repair industry. Since 1991 I have been providing credit reports to the lending community. I have always felt that the credit repair industry has taken advantage of people. If you want to fix your own credit it is not that hard, you just have to know what to do. Dave Sullivan graduated from Western Michigan University in 1989 with a bachelor’s degree in Finance. He started in the mortgage industry as a loan officer in 1991. Less than one year later started selling credit reports to Mortgage Companies, Banks and Credit Unions. On September 19, 1997, he started AIR Credit Midwest out of his car. Over the next two years, Air Credit Midwest grew to a multi-million dollar company. In 2000 he was approached by one of the largest Credit Reporting Bureau’s in the nation to purchase AIR Credit Midwest. He sold it and worked for that company as Sales Manager of the Michigan and Ohio market for the next ten years. During his career in the credit industry, he has personally reviewed thousands of credit reports and credit scores.
    All Material included in the presentation, class, video or website is protected under copy write law 2016 and the property of Hammer it Out LLC. No portion may be used without express written consent. This class, video, website contains ideas and opinions
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Episodios
  • How "The Cares Act" Changed Credit Reporting FOREVER?
    Feb 14 2022
    The CARES Act Section 4021 of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, signed into law on March 27, 2020, amended the Fair Credit Reporting Act The “covered period” is either period beginning on January 1, 2020, and ending on the later of (i) 120 days after the enactment of the CARES Act or (ii) 120 days after the termination of the national emergency declared on March 13, 2020. Under the new subsection, [I]f a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall— (I) report the credit obligation or account as current; or (II) if the credit obligation or account was delinquent before the accommodation— (aa) maintain the delinquent status during the period in which the accommodation is in effect; and (bb) if the consumer brings the credit obligation or account current during the period described in (aa), report the credit obligation or account as current. While the language of the CARES Act fails to specify, it would be wise for furnishers to assume that the new subsection applies retroactively and implement these changes to any account for which accommodation was made on or after January 31, 2020. Note, however, that these changes do not apply to charged-off accounts.
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    3 m
  • TheCreditGuyTV Radio show number 01
    28 m
  • Guest on the MIBigShow Radio in Lansing
    Oct 14 2014


    Michigan's BIG Show starring Michael Patrick Shiels is the radio and television program Michiganders choose to wake up to. Shiels personality-based, newsmaker interview show covers politics in a non-partisan manner, plus entertainment, sports, lifestyles, travel and everything in between, while easing statewide listeners through their mornings and keeping them entertained and informed. Shiels asks relevant questions—pointed, but with respect—and recognizes that listening is the most important quality of a good interviewer. "Everyone is an expert at something," explains Michael Patrick, who uses humor and surprises to draw out interviewees. "Every person has a story. Just like Johnny Carson, my job is to get our guests to the point of their story while allowing them to express themselves in a genuine manner in authentic conversation." Show Affiliates WBRN 1460 AM Big Rapids 6am-9am WQTX 92.1 FM Lansing 6am-9am FOX 47 Television Lansing/Jackson 6am-8am WTKG 1230 AM Grand Rapids 6am-9am WKZO 590 AM/96.5 FM Kalamazoo 10am-12pm WYVN 92.7 FM Holland 6am-9am WKBZ 1090 AM Muskegon 6am-8am WJNL 1210 AM Traverse City 6am-9am WJML 1110 AM Petoskey 6am-9am WSJM 94.9 FM Benton Harbor 10am-12pm WSJM 1400 AM St. Joseph 10am-12pm WMMI 830 AM Mt. Pleasant 6am-9am

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    9 m
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