Terms and Conditions

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Carmen C. Young is a licensed insurance property, casualty, life, and health producer as well as a licensed tax agent. 

Michelle Wright is a licensed tax agent and notary public. 

Please understand this not a credit advisement agency. We are not series 6 and 63 licensed and do not claim to have any financial securities licenses. We are not licensed financial consultants.

Life Income Solutions, LLC is a consulting agency that shares TIPS that have worked for the founder Carmen C. Young that helped her build her credit score without utilizing a credit repair agency spending hundreds or even thousands of dollars. 

I simply want to share the 20 basic steps I used to start my credit repair process that worked and helped get me to the financial place I desired. It takes time and dedication but it shouldn't cost a fortune. If you are serious about wanting to change your financial status here is a great place to start. If you wish to speak with me directly I do not mind talking with you about the tips I have provided. Any advice I can give I am an open book. Feel free to call me anytime 314-203-3656 if I don't answer please send a text and I will get back to you as soon as possible. Should you decided to purchase the credit repair tips please understand no refund will be given. The tips provided will work if you apply them. Please note that there is  no guarantee your credit will improve if you do not change the behaviors that helped put you in the credit rating you are trying to escape. However, if you apply the tips given you will see improvement but the rating can never be guaranteed.