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Startup Launches Virtual Live DJs Painting Classes During the Global Pandemic

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Paint and Sip Live, a New York-based company offers online wine-and-paint classes each week with professional instructors, live DJs, and a party atmosphere.

Although 2020 has been a tough year for some entrepreneurs, others have spotted opportunities.

In June 2020, three New York entrepreneurs teamed up to launch Paint and Sip LIVE, a Startup that offers virtual painting classes with live DJs, the only of its kind.

Faced with the global pandemic, Mike Wills, Jr., Constance McLeod-Wills, and Sharon Urena understood that people crave meaningful social interactions. The trio set out to develop an activity that enriches people’s lives while keeping them safe at home, socially distancing.

What’s the difference between Paint and Sip LIVE and other online art classes?

Other online painting classes teach you how to paint, but Paint and Sip LIVE teaches you how to paint in a party-like atmosphere featuring live music and a professional DJ.

While most painting classes tend to operate in a quiet and studious atmosphere,  Paint and Sip LIVE brings home the party. Classes feature step-by-step painting instructions of a photographed scenery and are led by a professional artist while a live DJ plays the hottest tunes. Each week, the company hosts theme nights such as Caribbean Fridays, R&B Sundays, and HipHop Saturdays. Even Halloween paint parties!

Paint and slip Event
Paint and slip Upcoming Events includes two Halloween parties.

Wills, an experienced entrepreneur who has launched and exited multiple startups, knew there was potential:

“The mix between an activity, like painting, and music has been a winning combination for Paint and Sip LIVE,” said Wills to The Scope Weekly. “Some of our guests are looking for a date night. Others are looking for a productive activity with kids or friends. We host a party while teaching genuine painting skills.”

Urena, a professional painter, welcomed the opportunity to share her knowledge.

“For me, it’s so much more than a business. It’s an opportunity to help people who may never have picked up a paintbrush to develop a creative mind,” said Urena.

About the team

Mike Wills and Constance McLeod-Wills, a husband-wife team, bring very different skills to the table. Over the last decade, Mike Wills, Jr. co-founded three New York City cleaning services, growing the businesses to earn $3+ million per year in revenue. He also co-founded a credit repair service that was once the fastest-growing credit repair company in the country, with revenue rising 500% in four months.  McLeod-Wills brings her years of project management experience for the City of New York to the table.

Sharon Urena is an accomplished designer serving as the Art Director of Paint and Sip Live, using her experience from the Parsons School of Design to guide and inspire the participants.

McLeod-Wills said, “Most of our attendees have zero or limited painting experience. They’re looking for a fun and productive night for birthdays, family events, and date nights.”

Photo credits:
Sip and Paint Live.

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Credit Repair Companies

The Secret Behind The Investment Prince’s Rapid Growth

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We Interviewed Clodwick Jossurin, the man behind The Investment Prince, who graciously shared his secret to the company’s astounding success.

Why did you decide to start The Investment Prince?

I had spent several years monitoring the e-commerce industry, and I realized a huge gap in the market. There were lots of people out there talking about how you could sell products online. But nobody was talking about how the products should be selected or how to do proper keyword research. That’s when I got the idea for The Investment Prince: to provide a reliable resource for everybody who wanted to benefit from selling their products on Amazon FBA.

What made you think that this was such a significant gap in the e-commerce industry?

To me, it just seemed obvious. Everybody is looking for shortcuts to success, and when it comes to selling on Amazon in particular, there’s this business model of low initial investment and high profit. But it’s not that simple. For someone new to succeed with FBA, they have to know how to choose what products to sell in the first place. They have to know how to do keyword research on Amazon. They have to be aware of the risks involved in selling on Amazon and make sure that they can handle those risks if they’re going to go forward with this choice.

What exactly is your role as CEO of The Investment Prince?

I oversee everything at The Investment Prince. I’m the guy who gets the product or service into place to ensure it works as we advertise it on our site. And I’m the person who goes out and gets people to invest in our company’s future. It’s a very active role, especially as we grow.

And what exactly is The Investment Prince has to offer to its members?

Technically, we have two options. First, we told you that we’re a resource for people who want to prepare themselves to be successful at selling their products on Amazon. And that comes in the form of our membership website. We walk our members by the hand, teaching them to be successful in this business. We also have infrastructures in place ready to serve all of them.

#1  Logistics and warehousing – we warehouse all our clients’ popular products and ship out their orders. 
#2 Cutting-edge technology – Our team of professionals has designed our logistics systems that are very efficient and ensuring that orders are delivered to the buyers on time.
#3  Account setup: We help our members set up their Amazon FBA accounts.
#4  Account Manager – We help our members submit orders to Amazon.com
#5  Credit Repair – We connect our clients with a credit repair company that will help eliminate bad business credit reports and increase scores to help them get financing their business.
#6  Business Fundin’: We connect our clients with a company that will help them get the necessary funding for their business.
#7 Product Sourcing and Research: We help our clients source their products by sourcing for them and finding what they want. Some of them come to us with an idea and we find the right product for them.

How did you get enough capital to start up such a company? And who has been your investors?

We’re a privately owned company, so we don’t have investors per se. But we have partners who are willing to do business with us on the condition they share in our profits.

What about your competitors? How do you handle them?

We treat our competitors just like we treat our customers. We take care of their needs, give them the information they need and make sure they know we’re here to help them. That’s what makes people come back to us.

What would you have to say to people who are interested in joining in your business?

I want to let them know that there’s a lot of truth in what you’ve heard. Many people work from home, taking care of their own business instead of being at someone else’s beck and call. There’s no reason for people to live like slaves today. The Internet has made this possible.
If they want to find out more about us, they should visit our website: http://www.theinvestmentprince.com

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Credit Repair Companies

The Best Credit Repair Companies in 2021: An In-Depth Review of the Top Credit Repair Services on the Market

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Having a credit score lower than 600 can make it difficult for you to qualify for loans or find low-interest rates.

When someone with a “fair” credit score gets a car loan of $25,346, he or she could pay around $3,847 more interest than someone with an “excellent” credit score[1].

Thankfully, credit repair companies can help you in disputing creditors on your behalf. While the credit repair industry has its fair share of scams, there are reliable firms that can help you improve your credit score and eliminate erroneous information from your credit report.

Below, we review the best credit repair companies in 2021 to help you assess which firm best matches your situation.

Our 6 Top-Rated Credit Repair Companies

  1. Best for fast results – CreditSaint

  2. Best personalized service – Lexington Law

  3. Cheapest credit repair service – The Credit People

  4. Pyramid Credit Repair

  5. Ovation Credit

  6. CreditRepair.com

1. CreditSaint – Best Credit Repair Company Overall

Credit Saint.jpg

Pros

  • 90-day money-back guarantee

  • Three credit repair packages

  • Transparent pricing

  • Free consultation via phone

  • A+ rating from the Better Business Bureau

Cons

CreditSaint has been in business since 2004. The company has maintained an A+ rating from the Better Business Bureau, which proves its strong reputation. CreditSaint claims to be the number one company in challenging inaccurate credit data, including the following issues:

  • Late Payments

  • Identity Theft

  • Charge-Offs

  • Collections

  • Bankruptcies

  • Repossessions

  • Judgments

  • Liens

If you want comprehensive packages, CreditSaint may be a good choice for you. CreditSaint offers three packages depending on the level of aggression required to remove inaccuracies from one’s credit report. These include:

Credit Polish (Aggressiveness: Medium) – $79.99 / month

This package includes five disputes of inaccurate information per month. You also get an initial credit score analysis and an ongoing credit score tracker.

Credit Remodel (Aggressiveness: High) – $99.99 / month

This plan includes all the features in Credit Polish but with a few extras. Instead of five, you get ten challenges of inaccurate information per month. You may use these to address hard inquiries. This package also includes Experian credit monitoring.

Clean Slate (Aggressiveness: Very High) – $119.99 / month

The “most aggressive” package includes all the features in both Credit Polish, and Credit Remodel with some added features, such as unlimited disputes per month. The company can also send Cease and Desist letters in your name, so creditors will stop hassling you.

2. Lexington Law – Best Company for Personalized Credit Repair

LexingtonLaw.jpg

Pros

  • Easy-to-navigate website
  • Long customer service hours
  • Mobile application
  • You can cancel plans anytime

Cons

  • More expensive rates
  • No money-back guarantee

Founded in 2004, Lexington Law is one of the largest credit repair companies on the list, with over 600 employees. As its name suggests, the company employs experienced lawyers and paralegals. This is a significant advantage because you can get reliable and well-informed pieces of advice from the company staff.

When you hire Lexington Law for credit repair services, the company will assign you a Personal Case Advisor. Your Personal Case Advisor can help you get through the entire process of credit repair. This can be great for those who don’t want to speak with multiple people about their credit woes.

Since 2004, Lexington Law has helped more than 500,000 credit repair clients. The company has removed more than 10 million faulty items from clients’ credit reports.

Lexington Law’s website is easy to navigate. It also contains helpful information that can help you improve your credit score. If you are always on the go, Lexington Law has a mobile app that you can download. You can use the mobile app to check the status of your credit repair wherever you are.

As far as pricing is concerned, Lexington Law’s rates are higher compared to competitors. Lexington Law has three plans, ranging from $89.95 to $129.95 per month.

3. The Credit People – Best Value for Money

The Credit People.jpg

Pros

  • Free consultation

  • 100% money-back guarantee

  • Simple pricing schemes

  • Discounts for spouses

  • FCRA Certified Credit Consultants

Cons

The Credit People is the smallest credit repair company on this list. That can work to your benefit, though. A small company usually has fewer customers. The downside to this is that we also found fewer customer reviews about the company while doing research.

The Credit People offers a free credit consultation, which you can request online to save time. Their pricing is easy to understand. They have a one-time fee of $19. The monthly plan costs $79. You can cancel your plan anytime you want to. They don’t charge cancelation fees. They also offer a 100% money-back guarantee.

If your spouse wants to sign up, there is a $20 discount on the first monthly fee.

The Credit People provides customer support via email or phone support. The hours of operations for customer support are limited to weekdays, though.

According to their website, The Credit People have eradicated around 1.5 million credit issues in its 15 years of business. The company also claims to have increased credit scores by approximately 53 to 187 points for each client.

4. Pyramid Credit Repair – Best Credit Repair Company for Couples

Pyramid Credit.jpg

Pros

Cons

Pyramid Credit Repair has been in the business for close to 10 years now. Based on our research, Pyramid Credit Repair receives favorable ratings from customers. They have a 4.8/5 rating in Trustpilot.

Pyramid Credit Repair gives its customers a risk-free assessment. You don’t need to pay an upfront fee. If you do decide to sign up with them, Pyramid offers customers a 90-day money-back guarantee. You can request a full refund if they are unable to repair your credit score.

If you decide to sign up with Pyramid, you will have a dedicated Personal Account Manager (PAM). The PAM will guide you throughout the entire credit repairing process and boost your credit ratings.

One of the things that customers like about Pyramid is the Personal Dashboard assigned to them. This is where you can get information on what is happening in your account. You can use your Personal Dashboard to communicate with Pyramid’s personnel.

The cost of engaging Pyramid Credit repair is $99 per month for individuals. The fee for couples is $198 per month. Couples also receive a 50% discount on their first monthly fee.

5. Ovation Credit – Best for Fast Turnaround Time

Pros

  • A+ accreditation from the BBB

  • No contract required

  • Money-back guarantee

  • One-on-one customer support

  • Personalized dispute options

Cons

Ovation Credit is relatively new. Yet, it has an A+ accreditation from the Better Business Bureau (BBB). This is a reassurance that Ovation is reliable and adheres to industry standards.

The company’s website is simple yet intuitive. It is easy to navigate and informative. You can improve your knowledge about credit repair by spending a few minutes on Ovation’s website.

If you’re looking for help repairing your credit rating, you can choose from Ovation’s reasonably priced plans. Ovation’s Essentials Plan costs $79 per month, while Ovation’s Essentials Plus Plan costs $109 per month.

Ovation Credit’s plans don’t need a contract. You’ll get charged on a monthly basis. And you can cancel your subscription if you are not completely satisfied.

One feature that benefits customers who need immediate help is Ovation’s Same Day Service. It is a $25 add-on, but it means that your credit repair process gets fast-tracked. Plus, you can track your account’s progress 24/7 via Ovation’s online portal.

6. CreditRepair.com – Best for Free Credit Repair Consultations

Pros

  • Excellent Trustpilot ratings
  • Free consultation
  • Useful mobile app
  • Informative website

Cons

CreditRepair.com has been in business since 1997. This proves the company’s firm foundation in the credit repair industry.

If you want to get a better idea of how CreditRepair.com works, you can take advantage of their free 10-minute consultation. A CreditRepair.com representative analyzes your credit report. The consultation includes an examination of the three credit-reporting agencies. They will also provide you with recommendations on how you can improve your credit score.

According to CreditRepair.com, clients can get an average increase of 40 points in credit scores within four months in the program. This program includes checking, challenging, and changing the clients’ credit reports.

Another notable feature of CreditRepair.com is how it uses technology to the fullest. Their online portal keeps customers updated on how their credit repair is doing. The company’s website also contains educational articles. You can read them to increase your knowledge about credit repair.

If you are always on the go, you can still check updates on your repair status by checking out CreditRepair.com’s mobile app (iOS/Android app). The company’s mobile app is available to both iOS and Android users.

What sets CreditRepair.com apart from other credit repair companies is its pricing. Instead of a one-month subscription, CreditRepair.com charges customers with a one-time charge. The $14.99 cost is cheaper compared to what other companies charge.

One downside of CreditRepair.com is they do not offer a money-back guarantee. However, you can cancel your plan anytime you want to.

The company has excellent Trustpilot ratings. Out of 552 reviews, 71% of customers gave CreditRepair.com “Excellent” marks.

Credit Repair Company FAQ

What Are Credit Repair Companies?

Credit repair companies target the removal of information that lowers your credit score. Although they suggest that they only remove inaccurate information, this is not always the case. Some companies remove accurate but damaging information from a credit report.

Credit repair is a federal legal activity. It is also legal in almost all states. The only exception is the state of Georgia, where credit repair is a misdemeanor.

Do Credit Repair Companies Guarantee Errors Will Be Removed?

According to the Credit Repair Organizations Act, any company cannot promise or guarantee results. They cannot always remove all credit errors. Be that as it may, credit repair companies can help raise your credit score by a specific amount.

Do These Credit Repair Companies Offer a Money-Back Guarantee?

Not all featured companies in this list offer a money-back guarantee. However, don’t let a money-back guarantee offer get the best of you. While some companies don’t provide this, they have high success rates in challenges and provide comprehensive services to help you.

How Long Does It Take to Repair My Credit?

It takes about three to six months before you can notice progress in your credit. The time frame can be less than that, especially if you annually correct your score or if there are only a few flawed credit information. It can take longer than six months if you’ve never looked at your credit report.

Can I Repair My Credit Reports on My Own?

Yes, you can achieve the same results without the help of credit repair companies. It will just take a lot of time and effort.

Factors to Consider When Hiring a Credit Repair Company

credit report online.jpg

Setup Fee: It is prohibited for credit repair companies to charge fees before working on your behalf. However, some credit repair companies charge initial-work or program fees wherein they work after the sign-up.

There are still top-rated companies that don’t require these fees. Be mindful of companies requiring very large upfront payments because they are violating the Credit Repair Organizations Act.

Money-Back Guarantee: A money-back guarantee is a common feature among top-ranked credit repair companies. When you choose a company that offers a money-back guarantee, you need not worry about wasting your hard-earned bucks on a service that can’t deliver its promises.

Free Consultation: The best credit repair companies won’t force you to sign up for their services right off the bat. Even if you have excellent credit, you can benefit from the free phone consultations that they give.

Customer Service: When you’re paying money for a service every month, you expect excellent customer service. The best credit repair companies have friendly and knowledgeable customer service professionals that can guide you in credit repair processes.

The Takeaway: Are the Top Credit Repair Companies Worth Trying?

If you don’t want to fix your credit issues on your own, credit repair companies can be of great help to save you valuable time. Our top picks, especially Credit Saint and Lexington Law, are a great place to start your search if you’re still unsure who to work with.

You just need to be wary of the company you’re hiring because credit repair scams are quite common. While the best credit repair companies can bring value to the table, some companies may leave you worse off than when you started.

About Sponsored Content

This content was paid for by an advertiser. McClatchy’s newsroom and editorial staff were not involved in the creation of this content.



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Credit Repair Companies

How to Remove a Charge Off From Credit Report

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(MENAFN – Outreachxpert Ltd)


Charge offs are considered to be a negative mark on the credit report. Besides this, they are one of the major derogatory marks that can develop a negative impression of your payment history as well as credit scores.


As a matter of fact, a charge off would remain on an individual’s report for a longer duration of seven years. However, the question which needs to be addressed is that how to remove a charge off from the credit reports as early as possible. This question is therefore addressed in this article and the methods to remove charge off would be discussed. Here are they:


Methods to remove the charge off as early as possible:


There are three methods to remove a charge off from your credit report and free it from any negative information that might affect your reputation. The three methods are:


File a dispute with credit bureaus:


Your report including how you pay bills is shared by the companies you do business with to the credit bureaus. The agency then gathers information related to you from multiple sources to create an easy-to-read report and later the report is sold to other companies who desire to work with you.


According to the fair credit reporting act, you may file a disputed error with credit bureaus as it is your legal right to “dispute with the consumer reporting agency the accuracy or completeness of any information in a report”. After you file a dispute the credit agency then has 30 days to investigate and find out the truth and the agency has to choose either of the following:


  • Omit it

  • Update it

  • Verify it is accurate


If your dispute gets successful then the charge off will be lifted if not then it will remain as it was.


Negotiate and pay:


You may negotiate with your creditor and pay the amount to omit the charge off the mark from your credit scores. You may pay the creditor and in return, the creditor can ask the bureaus to lift the charge off. This act is officially stated as legal and known as a “pay for delete” offer as the act of credit reporting is completely optional that is the reason why it is legal. One thing you should keep in mind is that the creditor sometimes prefers to send the actual report to the credit bureaus therefore the creditor may reject the offer as well.


Credit repair company:


It is your legal right to hire a credit repair company and dispute a file on your own. In the case at first, you failed to win the dispute; an experienced credit repair company might help you sail your boat. While hiring someone, you need not look at the process yourself but the team of experts would overlook it for you. These companies can dispute over an inaccurate or doubtful piece of information and win the dispute. It is quite understandable that there is no guarantee that the company would definitely win the case, however, you may spend some money and hire one of the best repair companies.


Stay alert in the future!


Once the charge off is taken off your credit report, take responsible steps and improve your credit report in the future. Strategize and plan your budget according to your finances and take guidance from credit counseling services.


 

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Legal Disclaimer: MENAFN provides the information “as is” without warranty of any kind. We do not accept any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. If you have any complaints or copyright issues related to this article, kindly contact the provider above.

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