“$27 SYSTEM” — The Step-by-Step Launch Plan That Gets You Paid Without Let’s keep it real 👇 Most people are sitting on a digital product idea that could make them $500–$5,000 this month… But they’re stuck because they don’t have a system. That’s why I created The $27 Launch Kit System — a plug-and-play roadmap that walks you through every step of creating, selling, and launching your product without stress or second-guessing. 🔥 What’s Included in the $27 SYSTEM: ✅ Launch Planner (PDF & Notion)Map out your product, offer, and pricing in 15 minutes ✅ Build GuideUse Canva, Notion, or Google Docs to create your product fast — no tech headaches ✅ 1-Page Funnel BlueprintSet up your opt-in, tripwire, and delivery flow with free tools ✅ Sales Copy + CTA ScriptsGrab-and-go templates for your landing page, emails, and promo content ✅ 5-Day Launch ChecklistUse this to go live in a week — even with no audience This is the exact system I use to sell $17–$47 digital offers on repeat, with zero ads. And now it’s yours — for just $27. “$27 SYSTEM” Below https://shop.beacons.ai/simplyroyalenterprise/62f16ee0-b0ea-4cad-b41b-bbbbfc27694a

Want Faster Dispute Results? Build This Folder First (What to Print, Track & Save) If you’re serious about fixing your credit, don’t treat it like a guessing game. You need a system — not just random letters. Here’s how to create the perfect DIY Dispute Folder that keeps you organized, legally protected, and ready to escalate 👇 🗂️ What Goes in Your Credit Dispute Folder Use a 3-ring binder, expandable folder, or digital cloud folder (like Google Drive). 📁 Section 1: Personal Documents (ID Verification) Include: - 📇 Government-issued ID (driver’s license, passport) - 🧾 Proof of address (utility bill, bank statement, lease) - 🧾 Social Security number (redacted copy of card or tax document) 🧠 Always include these with disputes to prevent “frivolous” rejections. 📁 Section 2: Credit Reports (All 3 Bureaus) 👉 Download from: https://www.annualcreditreport.com✅ Print or save: - Experian - Equifax - TransUnion Highlight all errors and negative items you plan to dispute. 📁 Section 3: Dispute Letters (By Round) Create tabs for: - 📄 Round 1 Letters - 📄 Round 2 Letters - 📄 Method of Verification - 📄 Debt Validation Letters - 📄 CFPB Complaints - 📄 Cease & Desist / 623 Letters 📌 Keep copies of everything you send, with: - Date mailed - What was included - Who it was sent to 📁 Section 4: Mailing Receipts & Certified Mail Slips - USPS tracking receipts - Green cards (return receipts) - Certified mail labels - Envelopes (optional) 🧠 This is your legal proof that disputes were received. 📁 Section 5: Responses from Bureaus / Collectors Whenever you receive a letter back from: - Experian, Equifax, TransUnion - Creditors - Collection agencies 📌 Store them in the correct round tab with a note about what action was taken. 📁 Section 6: Dispute Timeline & Tracker Track: - Dates you sent each letter - Deadlines (30-day mark) - Responses received - Follow-up needed - Escalation steps

📉 Did Your Score Drop from a Hard Inquiry? Here's When You Can Legally Remove It 👇 Hard inquiries can drop your score by 5–20 points in seconds. But did you know: ✅ Not all inquiries are legal ✅ Many are added without your consent ✅ You can dispute and remove them (the right way) Let’s break it down so you don’t waste time disputing things you can’t remove — and get the illegal ones off fast. 🔍 What Is a Hard Inquiry? A hard inquiry shows up when: You apply for credit (loan, credit card, car, etc.) You authorize a lender to pull your report It can affect your score for 12 months (even though it reports for 2 years) 📌 A soft inquiry (preapproval, checking your own credit) has no impact. ❌ When You Can’t Remove a Hard Inquiry: You knowingly applied for credit You signed an application or gave permission You were rate-shopping for a car or mortgage (multiple pulls in 30 days are counted as one) ✅ When You CAN Dispute a Hard Inquiry: 🚫 You didn’t authorize it 🚫 You were identity-thefted or tricked 🚫 A business or collector pulled your report without valid reason 🚫 You never applied for credit with that lender 📌 These violate FCRA Section 604(a) — which says only permissible purpose inquiries are legal. 🛠️ Hard Inquiry Removal Workflow STEP 1️⃣: Pull Your Credit Report 👉 https://www.annualcreditreport.com Look under the Inquiries section on each report. STEP 2️⃣: Identify Suspicious Pulls Questions to ask: Did I apply for this? Did I consent in writing or online? Was this done by a debt collector or company I’ve never heard of? Flag any you don’t recognize. STEP 3️⃣: Send a Certified Letter to Each Bureau 🧾 Use the template below to demand removal of unauthorized inquiries under FCRA law. 📬 Send it certified mail with: Copy of your ID Proof of address Highlighted copy of the credit report ✍️ Hard Inquiry Dispute Letter (Copy & Paste) [Your Name] [Your Address] [City, State ZIP] [Phone Number]

“When Do I Send the Next Letter?” Here’s Your Timing & Escalation Cheat Sheet 👇 Whether you’re on Round 1 or Round 3, timing matters. Send your letters too early = rejected as “frivolous”Send too late = you lose momentum (and legal leverage) Here’s your step-by-step timing plan so you never miss the window to follow up 👇 🧾 Letter Timing Schedule (Week-by-Week) ✅ Round 1: Initial Dispute Letter 📤 Mail: Day 0🗓️ Wait: 30 days from the date the credit bureau receives it📬 Expected Response: - “Verified,” “Deleted,” or “Updated” - Or no response (which is a win for you) ⏰ If NO RESPONSE after 30 Days ➡️ Send Round 2 letter: “No response received – FCRA violation”✅ Attach proof of certified mailing Send between Day 31–35 ❌ If the Account is “Verified” with No Evidence ➡️ Send Method of Verification Letter(Ask: How was it verified? Who confirmed it? What evidence?) Send between Day 32–40 🛑 If They Marked It “Frivolous” ➡️ Respond immediately with proof that your dispute is valid✅ Re-send original letter✅ Highlight FCRA Section 611✅ Include copy of ID, proof of address, credit report page Send within 7 days of receiving the frivolous letter 🆙 If Round 2 Fails ➡️ Send Round 3 (Final Dispute or Escalation) Use stronger legal language: - FCRA 609/611/623 violations - FTC/CFPB reporting - Mention intent to escalate Send between Day 61–65 after Round 1 🚨 Escalation Options by Day 66+ If they still haven’t fixed or deleted the item: - ✅ File a CFPB Complaint: https://www.consumerfinance.gov/complaint - ✅ File a complaint with your State Attorney General - ✅ Freeze secondary bureaus (LexisNexis, SageStream, CoreLogic) - ✅ Send 623 letter to creditor (if the furnisher is still reporting) 🧠 Pro Tip: Set Calendar Reminders 🗓️ Example Follow-Up Plan: - 📅 Day 1: Send Round 1 Letter - 📅 Day 31: Send Round 2 if needed - 📅 Day 61: Send Round 3 or escalate - 📅 Day 75–90: Re-audit report for final results

How to Shut Them Down the Smart Way! A Debt Buyer Bought Your Old Account? Here’s How to Shut Them Down (Legally) If you’ve ever had an old debt suddenly pop up on your credit again, chances are… It wasn’t the original creditor. It was a debt buyer. Let’s break down: What a debt buyer is Why they often violate your rights And how to send one letter that can get them off your credit for good 👇 💼 What Is a Debt Buyer? Debt buyers are companies that buy charged-off debts from original creditors (like Capital One, Sprint, or medical providers) for pennies on the dollar. They don’t collect on behalf of the creditor — they own the debt now. 🧠 Examples: Midland Credit Management, Portfolio Recovery, LVNV Funding, Cavalry SPV, Jefferson Capital 🚩 Why Debt Buyers Are a Problem: ❌ They rarely have full documentation ❌ They often report incorrect amounts ❌ They may reset the statute of limitations ❌ Many violate FDCPA or FCRA during collections ❌ They threaten lawsuits but can’t validate anything 🧠 How to Shut a Debt Buyer Down (Legally) STEP 1️⃣: Don’t Call Them Never speak to them on the phone — it restarts the clock or can be used against you. 📬 Communicate only by certified mail. STEP 2️⃣: Send a Debt Validation Letter (Under FDCPA § 809) You have the right to request: Original contract Proof they own the debt Full payment history Legal chain of title ✍️ Debt Buyer Validation Letter Template (Copy and paste this 👇) [Your Name] [Your Address] [City, State ZIP] [Phone Number] [Date] [Debt Buyer’s Name] [Address] Subject: Debt Validation Request – FDCPA Section 809 To Whom It May Concern, I am requesting validation of the debt you claim I owe. I do not acknowledge this debt and demand the following, per the Fair Debt Collection Practices Act (FDCPA): 1. Proof that you own the debt (chain of title from the original creditor) 2. A full payment history, including how the amount was calculated 3. A copy of the original signed contract