African Americans Win Freedom to Build Perfect Credit & Own Homes Via Strategic Credit Restoration

In the year 2000 this country switched from the old credit scoring system to the new credit scoring system called FICO. Most Americans, especially African Americans, were never informed of this very significant transition. Most Americans are still quite unaware of the existence of FICO and how it drastically affects almost every aspect of their lives due to the fact that the strategies now used to control credit scores are vastly different from what most Americans think they are. Under the new credit scoring system if you have less than a 700 credit score you have bad credit.

Currently 95% of all Americans have bad credit…and many do not even know it.

Dr. Michael Grayson, renowned financial systems expert and developer of the patented Grayson’s Formula to Build Perfect Credit, has recently unleashed a system/program that is circulating through the African American communities of America and empowering them to build perfect credit and to own their own homes. He reveals powerful strategies usually reserved for savvy real estate investors that allow average people to own their own homes and to make those homes pay for themselves. This unprecedented program is called Strategic Credit Restoration. It helps and teaches individuals to build their credit scores to 700 in 90 days or less—guaranteed. By using his genius for mathematics and systems Dr. Grayson was able to develop a system wherein anyone’s credit score could be boosted to 700 legally. This system is unlike anything that anyone has ever seen. It is not credit repair. It is not debt consolidation or some type of loan program. It is Strategic Credit Restoration and it changes the way an individual goes about handling his or her credit and finances for a lifetime.

Dr. Grayson’s client list reads like a Who’s Who in America. He teaches the new credit system to every level of credit and finance professional. In fact, he has even trained individuals at the credit bureaus. He has taught credit systems and strategies to some of the most prestigious law firms in the country. Furthermore, Dr. Grayson was retained to restore the credit of the president and vice-president of a very large credit repair company. Dr. Grayson has decided to take this knowledge to the people so that they might use that knowledge to empower themselves and become credit-wise, wealthy and truly pursue happiness. People who had long since given up any hope of ever becoming home-owners due to poor credit, debt and financial lack are being shown how they too may participate in the “American Dream.”

Having a good credit score is no longer based on simply paying one’s bills on time.

Sadly, some are still choosing to sit, wait, pay rent and vacillate until it is too late. And time is of the essence. “Our former merit based credit system,” states Dr. Grayson, “was based on simply paying your bills on time. If you did that you could rest assured that you had pretty good credit. Since the year 2000, however, our country’s credit system has been drastically altered. Our credit scores are now based on a system called FICO. Having a good credit score is no longer based on simply paying one’s bills on time. Having a high score is now based on knowing the system. I know this system and I am dedicated to sharing it with those who need it.”

African Americans are five to six times more likely than whites to be turned down for a home loan, according to a recent report by the Association of Community Organizations for Reform Now, or ACORN, a national fair housing group. According to 2000 U.S. Census Bureau figures, African American households on average earn 49 cents for every dollar earned by whites. African Americans have little idea of how the system in place works against them and they work against themselves. They are not financially stable because they fail to establish what Dr. Grayson teaches in his many workshops and seminars across the country; ZDC or Zero Derogatory Credit. There are 5 key perimeters for establishing ZDC and the attendees of Dr. Grayson’s workshops eagerly take down notes on all five.

Green used to be cash and cash was king. Credit is king today.

At a recent seminar Dr. Grayson stated, “ Every American can build their credit score and be taught the strategies to keep it that way or boost it from perfect credit to what is known has extreme credit. This will be achieved by thinking like lawyers and bankers, using the law to control our credit score. It is about time that you realize that bankers run the world. If you do not speak their language, you are simply waiting for your turn to be exploited. Today’s racism is not black vs. white. It is green vs. not green. And “green” is not what it used to be. Green used to be cash and cash was king. Credit is king today. If you do not master the concepts of Strategic Credit Restoration it is just a matter of time before a down cycle hits your doorstep.”

The estimated spending power of African Americans in the U.S. is $602 billion, and as a consumer group, blacks spend more on almost everything, from apparel to appliances to computers and DVD's to foreign luxury vehicles, than white consumers, even though they earn considerably less. This was found in recent research conducted by Target Market News, which tracks African American consumers.

One of the first critical steps to building wealth and securing one's financial future is to own a home. But the American Dream of homeownership remains elusive for many African American families. The rate of homeownership for all Americans is 67%, but for African-Americans it's only 47%, the Census Bureau reports.

There are many advantages to homeownership. You can borrow against the equity in a home to send a child to college, to pay off credit card bills or to weather a financial crisis. In fact, homeownership can literally replace your salary if Dr. Grayson's strategies are employed. And, let's not forget about the tax advantages to homeownership. The poor credit that keeps many African-Americans from owning a home stems largely from a lack of education about finances and how to use the system to build a financial legacy for themselves and future generations of African Americans.

“On the positive side, opportunity is always knocking and the key question is; are you going to be in a position to open the door when it comes for you?” asks Dr. Grayson.

All Americans have the inalienable right to perfect credit.

Racism exists and for African-Americans, in areas ranging from education, jobs to homeownership and equality with whites remains a far-off goal, as highlighted in a recent report by the National Urban League. “One way to combat discrimination is to grab hold of the keys to restoring your credit and building a financial house of brick and mortar instead of sand or playing cards,” states Fran Houseworth, a Strategic Credit Restoration Consultant and multi-million dollar producing real estate agent for the past 28 years. Houseworth further advises, “When your financial house is in order, real estate agents will be able to show you beautiful home after home in whatever area of the country you choose to live…and with perfect credit you can have it!”

Dr. Grayson teaches his clients and students that all Americans have the inalienable right to perfect credit. The first law he insists that every student or client master is the Fair Credit Reporting Act. Each individual in the Strategic Credit Restoration program is shown how to construct a strategy to create Zero Derogatory Credit, 700 score or a clean credit file in 90 days or less using the law.

African Americans, more than any other group in the US is hindered by bad or poor credit.

"There needs to be greater awareness and understanding around credit and financial literacy in the black community," says William Cammon, CEO of DTEC, a Detroit, Michigan based corporation that targets urban communities nationally. DTEC’s mission is to build youth centers all around the country that reach and teach young people to be productive and successful members of society. Strategic Credit Restoration is to be a major program instituted throughout DTEC Centers along with many others centered around financial literacy, productivity and entrepreneurial endeavor. William Cammon wants every young person who steps into a DTEC site to learn everything that Dr. Grayson is currently teaching to older individuals, organizations, corporations. In this way, traditionally under-served youth in urban areas across the nation will be credit-wise and ready to succeed in the global economy.

The credit score is likely the most important number in one's life. Without a sufficient credit score, an individual either cannot get loans or is paying higher interest rates, which over the years end up costing hundreds of thousand of dollars. Low credit scores obstruct buying power and the ability to obtain employment and insurance. African Americans, more than any other group in the United States is hindered by bad or poor credit. Through Dr. Grayson’s program it does not have to be this way for African Americans nor for any American who decides to take advantage of the Strategic Credit Restoration program.

ABOUT STRATEGIC CREDIT RESTORATION

Dr. Michael C. Grayson, is the founder of the Strategic Credit Restoration program. He is a well-known expert, teacher and speaker on every level of finance and the United State's oft times confusing credit system. Dr. Grayson did his doctoral thesis on the credit system. He is the author of 5 books on the credit system, real estate investment, finance and wealth accumulation and does seminars all over the country. The Strategic Credit Restoration program is available to every individual in America. Regular seminars and workshops are held mainly in Strategic Credit Restoration headquarters in Michigan but also across the country. An individual does not have to attend a seminar in person to be enrolled in the program.

Since most Strategic Credit Restoration clients are interested in buying homes, SCR offers them the Strategic Credit Restoration program for free when they allow SCR to handle their mortgages. Dr. Grayson and the dedicated SCR Team are committed to outreach efforts and making the program available to everyone who needs it. They are willing to work with individuals via telephone and e-mail and for large groups, arrangements can be made for the team to travel and do on-site presentations. DTEC has provided a space in it's West Bloomfield Hills office for a free seminar on Strategic Credit Restoration facilitated by the SCR Team every Saturday at 7:00 pm. SCR enrollees and current clients also take advantage of scheduled Wednesday seminars at the West Bloomfield Hills office, to learn in depth strategies to keep their credit scores at 700 or more, real estate investment and wealth accumulation.

For more information on SCR seminars, bringing Dr. Grayson and/or the SCR Team to your business or organization to run a workshop, schedule a one on one consultation with Dr. Grayson or to have a Strategic Credit Restoration New Client Packet sent to you via e-mail, simply contact SCR at StrategicCreditRestoration@yahoo.com or call 1.443.703.7873


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