Hi Steemit, I’m Rico - more about me and hacking credit scores

[veryrico]

Hello Steemers, 

My name is Rico Arturo Gutierrez Rivera, father, brother, son, man and myth. 

I want to help you improve your credit within 45 days but more on that in a minute...

I was introduced to Steemit by one of my closest friends and mentors @neilstrauss but it wasn't till I heard @ned give a talk at a conference in San Diego (and after lurking around for a couple of days) that I was inspired to join myself. 

Hearing how passionate @anwenbaumeister was about the community during that conference was moving, and she was the one who encouraged me to be open about my life with all of you. 

Growing up:

I grew up in a low-income household and was taught some pretty harsh lessons. I've struggled with a weight problem since high school. 

My mother grew up on a farm with an abusive father, so showing affection wasn't something she really knew how to do. The only way she knew how to show love was through food and, let's face it, I'm loveable.

I was never ashamed or embarrassed about my weight,  I never let it hold me back. I would be confident in everyone's eyes but deep down I was worried about being liked and what people thought of me. 

But since then I have grown more comfortable in my skin...

_________________________________________________________________________

And to be honest, it was exhausting having to wear a mask every day and being what I thought everyone wanted me to be. I remember sitting around a bunch of people and not liking who I was or what I was becoming. I decided to let go of being liked and to just be honest and real with everyone. I lost some friends and made new ones that I am still friends with 17 years later. Over the years, I've realized people liked me more for my honesty and my authenticity.

I can't describe to you how freeing that was.

_________________________________________________________________________

Goals:

I have started to work on my health and plan on documenting my progress here for all of you guys. My hope is to inspire others dealing with weight issues, and the truth is with the support of thousands of people I can't and won't lose. 

About me:

I'm a bit of a germaphobe 

Really into shoes

And a bit of a weirdo

I live in an ice palace

Ok, I don't live in an ice palace but I did visit a bar made entirely of ice. 

I come bearing gifts!

I am an expert when it comes to credit and credit law. I am consistently able to improve one's credit in a short amount of time. And I plan to continue to post about this to help you do the same thing with your credit.

As you can see in the picture above, I improved my friends credit by 98 points in 2 weeks (truth be told I had already started working on it 2 weeks prior).

Now before we work on your credit, I need you to pull your credit report. You can do this easy and for free at creditkarma.com. Once you've pulled your report, look it over and mark down anything negative.

In my next posts I will go over:

• How to remove derogatory marks from your credit report through loopholes
• How to deal with the credit card company to remove late payments 
• How to negotiate a bad debt so you pay less and have it removed from your credit
• If your credit is good how to push through the barrier and get to the 800's
• How to call a credit card and have them waive an annual credit card fee

If there is something specific you want to ask me, do so in the comments below, and I'll answer everyone. 

Comments

[charlieshrem]

This was a really good intro post, welcome :)

[veryrico]

Thanks buddy! I appreciate the love.

[agutier18]

Can you help me please !!!!! I need to get rid of student loans that have been on my credit report for 14 years.they keep being sold .the last time they were sold was in 2006 what can i do ?thank you ashley gutierrez [email protected]

[veryrico]

I'll shoot you an email but we can prob take care of that.

[jordandempsey100]

amazing post, i had to use creditmasterfix.com to boost my credit score to a 790 within a few days. i just can't help but recommend their services to anyone in real need of a credit repair service.

[norbu]

Welcome to steemit dude! This introduction was seductive! 😊

[veryrico]

Hahaha, thank you! I try ;)

[instructor2121]

Awesome post! Welcome my friend!!!

[veryrico]

Thanks for the love.

[englishtchrivy]

@veryrico sorry to post this here but I need to reach @instructor2121
@hi, sorry to bother you here but is it possible to reach you via steemit chat this week? I looked for you but no luck . I just need to ask you something very important - not spamming you just one question and if you let me ask you here, I could, too. I hope I get a reply from you thank you very much and have a great day.
I have the same account name in steemit chat .

[gekko]

hey @veryrico welcome to steemit, nice to meet you 8]

[veryrico]

Thanks Gek, you as well.

[majes]

Welcome to Steemit!!!

Nice intro...

[veryrico]

Thanks! I appreciate it.

[crockettdunn]

awesome ice palace!

[veryrico]

Thank brother, appreciate the love! It's a bar in vegas called minus 5, I def recommend you check it out if you ever go.

[anthonyjerrigo]

Glad to see your intro post, probably one of the best I have read!

Looking forward to hearing more about those credit hacks, I could definitely use the tips.

Also, my girlfriend is curious about the painting in your second photograph. It looks like a girl on her stomach surrounded by blue. Do you know the name and artist?

Thanks!

[veryrico]

Thanks man, the painting is a woman in the water. @ingridstrauss painted it.

[ryanbaer]

The best intro post I've read so far. So glad to see you on here buddy!
Resteeming this because you're bringing some serious value with this post and what you're offering to everyone.

[veryrico]

Thanks brother, appercaite the love.

[hanamana]

Welcome. Nice meeting.

[veryrico]

Thanks, I look forward to getting to know you more.

[donkeypong]

Incredible intro!

[veryrico]

Thanks, I appreciate the love.

[anns]

Welcome to Steemit!
check out
steem.io 4 Whitepaper
steemtools
@veryrico
I Am A New follower of Yours!
:))
Check Out My Blog
@anns
Feel Free To Follow Me!
Steem On!

[veryrico]

Thanks anns! There's some great info there.

[anns]

Thank-You!
I will be Blogging
more soon I hope.
I am resting for now!

[gamgam]

Funny and informative. You will do well on Steemit.

[veryrico]

Thanks Gam, that actually means a lot. I appreciate it!

[guillaume-pj]

Hey Rico, great post. Thank you again for the great advice you gave regarding credit repair and credit card hacks ! Looking forward to read you.

[veryrico]

Thank brother, appreciate the love!

[conspi-theorist]

@veryrico - haha, welcome to Steemit!

THis credit score thing is awesome! Just offered a sht rate at the bank because of the credit score

[veryrico]

Thanks, I'll help you with that problem in my next couple of posts!

[conspi-theorist]

Great - and more pics!!! I liked the toilet one)

[ibringawareness]

Following - good work on an upvote from Ned! My utilization is way hi - 88% I think. I've no bad remarks or late payments, so based on your list above the only thing I need to do is keep paying that down I guess?

[veryrico]

Yea, keep paying it down. I would also contact the credit cards and ask for a credit increase. Tell them you've had a change in your financial situation and plan on doing some traveling soon. Then leverage your cards against each other by saying credit card 1 gave me a 5k increase, and I would rather use your card (credit card 2) as my primary card, but I need you to exceed or at least match it.

With a credit increase, your utilization will drop.

[ibringawareness]

Well thanks for the free advice! Closest thing I had to a plan was to wait until i could maybe get approved for something new and start transferring to 0% interest cards again, but that would be awhile. If what you say works then with lower utilization, I might get the new 0% card(s) sooner then?
It's hard to figure it all out - other than just pay, pay, pay - but it's also good to have someone real to maybe refer others to who need the help even more than I do. I won't forget you man!

[veryrico]

Credit is def kept a mystery. You should be able to get a new 0% card soon if you up your credit limit.

Glad I can help, send anyone my way.

[ibringawareness]

Great, thank you again

[sanghkaang]

Welcome seemit :)
Thank you for your interesting introduction

[veryrico]

Thanks!

[juvyjabian]

Welcome to the community @veryrico. Awesome.

[veryrico]

Thanks!

[tee-em]

Welcome to the community, Rico

[veryrico]

Thank bud!

[theprophet]

Welcome Brother I would like to hear more !!! Great Post

[veryrico]

Thanks! I appreciate it.

[peacekeeper]

Good information and a value to the community. Looking forward to more post on this topic. You have a new follower.... :)

[veryrico]

Thanks, peace! That means a lot, I'll have something new for you soon.

[cloh76]

Im excited to see your future posts.

[veryrico]

Thanks man!

[abdullar]

welcome to steemit .... ^^

[veryrico]

Thanks!

[biglipsmama]

Fabulous post with loads of energy, look forward to reading more of your blog posts.
Welcome to Steemit Rico.

[giffordde2000]

Welcome Rico! Really like your honesty and being comfortable in your skin.
Thank you! All the best~Don

[veryrico]

Thanks, Don! I appreciate it.

[brookedup81]

Thanks for intro. You seem very cool.Can not wait till your next post. 👌

[spdrcr81]

Love the post, Im definitely following your blog

[veryrico]

Thanks man, I'll have something new for you soon.

[lovejoy]

Welcome! Glad to have you here. :)

[theoptimist]

Rico! Man you crush as always...Chris J. Society 100

[morgangloria200]

For a very long time now, my finance had been in a mess due to my bad credit. I wasn't granted any loans or mortgage for several years but thankfully, I met a hacker guru cyberrepair through several recommendations on Google who helped me upgrade my credit score and fixed my credit report in a very short time. He works with discretion and delivers efficiently without charging outrageous fees. Now i am typing from the comfort of my home. All thanks to him. You all can contact him through his mail account [email protected]; or text before calling him on [phone] and be rest assured for desired result.

[nicoleshaw]

I had credit scores of 504(transunion) 511(Equifax) in May. I applied for a surgery loan in June and was not approved because of my low FICO scores. I contacted my loan officer and she let me know i needed a score of 720-780 to get qualified (considered by FICO as Good) and I was in desperate need to get my score up because i had to do the surgery at that time. I had seen some wonderful recommendations of this genius hacker([email protected]) on a disqus forum, and I took a leap of faith by working with him. He increased my FICO scores to 750+ in 3 working days across all 3 credit bureaus and I was approved within a week. I still have my scores at 782 because it is a permanent hack. I am so happy i found him and i will recommend ONLY him to anyone in need of such services. You can contact him at the email address

[collin22000]

I need an upvote to my steemit post. This is the link: https://steemit.com/steemit/@collin22000/how-to-make-your-child-smarter