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Your Credit Defines Your Credibility

by Briggs Chayo (Author)

5.0 out of 5 stars    16 ratings

  • Paperback: 222 pages

  • Publisher: Briggs and Lay Pro INC (January 3, 2019)

  • Language: English

  • ISBN-10: 1733555110

  • ISBN-13: 978-1733555111

  • UNSPSC Code: 55101500

Is designed as a pathway to understanding a good credit rating. We know such issues are daunting, but you may need to borrow money from a lender. We need to understand and learn the concept of good credit defines our credibility and good credit is our genetic makeup so we must learn to delete toxic accounts, such as collections, inquiries, charge-offs and public records. Therefore, a good credit score will make the process easier. Your credit score determines two things that can affect your loan approval.  First, lending money entails risk; lenders need to know you are reliable. Second, your credit score determines the terms of your loan.

Your Credit Defines Your Creditability

Credit Repair Information 

  • Your Credit Profile

  • Side Effects of Bad Credit

  • Debt Collection

  • Charge-Off's

  • Identity Theft

  • Hard vs Soft Credit Inquires

  • What is Good Credit 

  • Credit Utilization 

  • Credit Scores vs Credit Reports 


Coming Soon......

2nd Edition Your Credit Defines Your Credibility

In the second edition of Your Credit Defines Your Credibility Chayo Briggs discusses a pathway to understanding what contributes to an excellent credit rating. We know such issues are daunting, but you may need to borrow money from a lender, so it’s important to know how credit scores are calculated. American’s have faced uncertain times over the last year with the pandemic, making the need to establish a good credit score even more important.

A great place to start is deleting toxic accounts such as collections, inquiries, charges-offs public records. As a highly successful real estate investor for over twenty years, Briggs is driven to obtain the highest standards for his clients.

As America undergoes some drastic changes in the coming years, building passive income is the holy grail of personal finance. These additional streams of income can take an initial investment and turn it into a sole source of income. Chayo shares some of his favorite Real Estate Investment opportunities to help you build passive income for the future.  


Briggs understands the key to success comes through life experience; for that reason, he assists clients in procuring their prosperous future, breaking the chains of financial distress. His advice on credit and finance has been featured in numerous books and magazines, such a Courbee Revolucion Magazine, Enjoy Life Magazine, Nuestro Mundo, Curvy Girls Slay Magazine,

Changing Lenses Magazine, The Ultimate Black Man Magazine, Queen-size Magazine, Diva Naires Magazine, Just For Me Magazine, Elissa Gabrielle Entertainment Magazine,

G-Entertainment Magazine and numerous other publications.

Your Credit Defines Your Credit-ability

Credit Repair Information 

  • Collections

  • Credit in the Pandemic 

  • Digital Property

  • Charge-Off's

  • Identity Theft

  • Real-Estate Investments

  • Inqiuires


Su Crédito Define Du Credibilidad 

La composición genética del crédito

El Dr. Rey del Crédito (Dr. Credit King)

  • Paperback: 250 pages

  • Publisher: Writer's Publishing House (May 19, 2020)

  • Language: Spanish

  • ISBN-10: 1648731279

  • ISBN-13: 978-1648731273

Como inversor inmobiliario de gran éxito durante más de dieciocho años, Briggs se ve impulsado a obtener los más altos estándares para sus clientes. Sus logros como orador motivador y autor publicado se desarrollaron a partir de su experiencia de vida. A través de estas habilidades excepcionales aprendió el arte de los ingresos pasivos. Chayo puede ayudar a sus clientes a procurar un futuro próspero, rompiendo las cadenas de las dificultades financieras.

Su crédito define su credibilidad está diseñado como un camino para entender los factores que contribuyen a una excelente calificación crediticia. Sabemos que algunas acciones pueden resultar intimidantes, pero es posible que tenga que pedir dinero prestado a un prestamista. Necesitamos entender y aprender que el concepto de un buen crédito define nuestra credibilidad, por lo que debemos trabajar para eliminar cuentas tóxicas como cobros, consultas, cancelaciones y registros públicos. Por lo tanto, tener un buen puntaje crediticio facilitará el proceso. Su puntaje de crédito determina dos cosas que pueden afectar la aprobación de su préstamo. Primero, prestar dinero implica un riesgo, y los prestamistas deben saber que usted es confiable. En segundo lugar, su puntaje de crédito determina los términos de su préstamo.

Briggs entiende que la clave del éxito proviene de la experiencia de la vida; por esa razón, ayuda a los clientes a adquirir un futuro próspero, rompiendo las cadenas de dificultades financieras.

Sus consejos de crédito y finanzas han sido presentados en numerosos libros y revistas, como las revistas Courbee Revolution, Enjoy Life, Magazine, Our World, Curvy Girls Slay Magazine, Changing Lenses Magazine, The Ultimate, Black Man Magazine, Queen Size Magazine, Diva Naires Magazine, Just For Me, Magazine, Elissa Gabrielle , Entertainment Magazine, G-Entertainment Magazine y muchas otras publicaciones.

Your Credit Defines Your  Credit-ability

Información de reparación de crédito

  • Su perfil de crédito

  • Efectos secundarios del mal crédito

  • Cobro de deudas

  • Descargo

  • El robo de identidad

  • Consultas de crédito duro vs blando

  • ¿Qué es un buen crédito?

  • Utilización de crédito

  • Puntajes de crédito vs informes de crédito

The genetic made 3d.jpg

Below are some topics discussed in the book:

  • What is Credit?

  • Reducing Debt

  • Bankruptcy

  • Creating a Budget

The Genetic Make-Up of Rebuilding Your Credit  


The Genetic Make-Up of Rebuilding Your Credit focuses on the basics of establishing a solid credit resume.  Chayo discusses the details on how to rebuild your credit with proven suggestions that will work overtime by using consistent good credit practices. The reasons people fall financial on hard times are endless, but it’s not a complete loss. Anyone can establish a good credit report if you know the necessary steps.


Data front cover .jpg

Below are some topics discussed in the book:

  • Credit is the New Money

  • Credit Myths

  • Auto Loans

  • Mortgage Loans

Coming Soon.....

The DNA Data Numerical Accuracy 


In ‘(DNA) Data Numerical Accuracy’ the reader will learn credit is more than just borrowing money. Society is becoming heavily dependent on credit for daily necessities; it’s not just for buying a house or car anymore. To a lender like an auto dealer or credit card company, credit is your reputation. Hence, a credit resume. Good credit means you can be trusted to repay the borrowed money. The higher trustworthiness; means added opportunities and increases borrowed money available. One of the best resolutions anyone can make is improving your credit rating.

One such way lenders are assisting borrowers is Alternative Credit “which refers to credit data” which looks past conventional credit bureau information. Everyone has fallen on hard times when trying to pay their bills on time. Some people may have bankruptcy, a divorce, or you face debt because of another person. There are many reasons for getting in trouble with your credit rating, but it’s not a complete loss. Because, when someone can build a positive credit resume, they can easily obtain passive income to increase their financial investments. So, the most important question is, do you know how to overcome the issues?



The Genetic Blueprint of Passive Income in Real-Estate

          “The Genetic Blueprint of Passive Income in Real-Estate,” is a great tool to instruct the reader on gaining long-term passive income. By increasing your monthly cash flow, you can start building retirement income faster, pay off debts, and, ultimately become financially independent. The number of investment opportunities is endless, but this book will focus on a few of the more preferable options. Such as Private Notes, Land Contracts, Residential Income, Wholesale/Short Sales, Pre-Foreclosures, Probate, Subject to.


By building passive income prior to your retirement years, you could potentially live as well as you did during peak earning years. One avenue that is relatively simple pertains to the real estate market. Seller financing can be a useful tool in a tight credit market.


Creating genuine passive income is the holy grail of personal finance. However, not all passive income is created equal. Some streams can take an initial investment, but once you start it’s very difficult not to gain momentum.

Real estate mock up 2.jpg

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Income Topics

  • Private Notes

  • Land Contracts

  •  Residential Income,

  • Wholesale/Short Sales

  • Pre-Foreclosures

  •  Probate

  • Subject to

Dr. Credit Kings Credit Check-Up

Credit Repair Information  Calendar years 2021- 2024

  • Each year includes Budgeting Calendars

  • Credit Score Work-sheets

  • Sample Credit Repair Letters

  • A Client Resource page

  • Terminology Glossary

  • Credit Articles 

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Dr. Credit King's Credit Notebook  

“I tend to think speaking only one language is like having a big house and living only in one room,” Charles Berlitz told United Press International in 1988. “Every language is like adding another outlook. People learn through repetition, therefore, by establishing good habits from the beginning, it allows for a better understanding of the world.”

What is credit? This is a common question asked by many people around the world. Society is becoming heavily dependent on credit for daily necessities; it’s not just for buying a house or car anymore. The job market or pay scales play a large role in someone’s financial well-being. Even the ability to gain employment or rent an apartment is determined by a credit resume, and the impact of being denied credit can place a heavy burden on one’s future. It could mean the difference between a healthy lifestyle or living paycheck to paycheck; hoping nothing major happens that might cost someone their transportation or a place to live. This is the reason for Dr. Credit King developing the Credit Check-Up Notebook.


In the notebook, consumers will find celebrity models, actors, and actresses who have chosen to share their stories about working with Author Chayo Briggs and the benefits of establishing a good credit rating. Most of the models have reached their financial goals by gaining a better understanding of what a solid credit report really entails. In modern society, credit is part of your financial power. It allows people to build wealth and obtain items such as home ownership, start a business, generational wealth, passive income, purchase a car, not to mention financial freedom. By maintaining a solid credit score or working to build a good credit profile you will improve the chances of qualifying for a loan. A stellar credit report shows potential lenders you are prone to repaying debt and have established financial responsibility. Now, Dr. Credit King understands that everyone suffers money troubles at one point or another. The most important question is, do you know how to overcome the issues?

The Credit Check-Up Notebook has all the necessary information to re-establish a good credit score over time. It starts with the present year, 2019 and goes through 2022. Each year includes budgeting calendars, credit score work-sheets, sample credit letters, a client resource page, terminology glossary, and articles to educate consumers on the different layers of building a good credit score.

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