Strategic Credit Repair — Climbing Out of the 500s with Power Let’s be clear:A credit score in the 500s doesn’t mean you’re bad with money — it means the system hasn’t been challenged properly yet. At The Sfields Group, we don’t just repair credit — we reclaim power. Because strong credit isn’t about vanity — […]
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What Billionaires Know That Most People Never Learn Published by The SFields Group TheSFieldsGroup.com Most people use personal credit to fund their dreams — but the wealthy know better. They use business credit to fund ventures, protect personal assets, and scale wealth silently. At The SFields Group, we show you how to build wealth with
Using Business Credit to Build Wealth Silently Read More »
How Wealthy Families Build Multi-Generational Credit the Smart Way Published by The SFields Group TheSFieldsGroup.com Credit as Legacy, Not Just Leverage Most people see credit as a personal journey. But for high-net-worth individuals, credit becomes a legacy tool — passed down strategically across generations to provide long-term advantages. One of the simplest, most legal, and
The Power of Authorized Users and Strategic Piggybacking Read More »
Brought to you by The SFields Group Visit TheSFieldsGroup.com When it comes to credit, most people focus on building it — but the wealthy focus on protecting it. High-net-worth individuals don’t just use credit as a tool; they use legal structures, insurance strategies, and financial positioning to shield their personal credit and assets from risk,
Credit Insurance and Asset Protection: How the Wealthy Shield Their Credit and Wealth Read More »
Hidden Resources for Credit Repair: Legal & Fringe Allies You Should Be Using Brought to you by The SFields Group Visit TheSFieldsGroup.com Most people think credit repair starts and ends with the credit bureaus. But real credit empowerment comes when you understand what’s beneath the surface — the agencies, tools, and legal pathways that were
Federal Trade Commission (FTC) https://www.ftc.gov Oversees enforcement of the FCRA Offers free sample dispute letters Allows you to report credit repair scams or illegal debt collection practices Offers powerful consumer education tools Consumer Financial Protection Bureau (CFPB) https://www.consumerfinance.gov Accepts complaints against credit bureaus, debt collectors, and lenders Investigates FCRA violations Offers sample letters to request
Know the Difference. Leverage the Law. Move Strategically. At The Sfields Group, we often hear one of the most misunderstood—and financially costly—credit misconceptions:“If a debt is still on my credit report, it must still be collectible.” This isn’t just incorrect—it’s potentially damaging to your strategy. That’s why understanding the difference between a statute of
Statute of Limitations vs. Reporting Timelines: What Most People Get Wrong Read More »
At The Sfields Group, we believe credit repair should be strategic, transparent, and compliant. But not every company follows that standard—and not every consumer knows their rights. That’s why it’s critical to understand the Credit Repair Organizations Act (CROA)—a federal law designed to protect you from deceptive, unethical, or predatory credit repair practices. If you’ve
The CROA: What You Need to Know Before Working with a Credit Repair Company Read More »
