All five of the Free Credit Report Songs with their respective lyrics. Also my first REAL video! 
RENAISSANCE FAIRE (NUMBER 6): http://www.youtube.com/watch?v=moDyq0VoUo0
I don’t own any of the songs or the lyrics… so let’s just consider it free advertising, eh?
Duration : 0:2:36
http://www.cma1.ca/150
CapitalOne secured credit card canada
http://www.canadian-money-advisor.ca/secure-credit-card-info.html
http://www.canadian-money-advisor.ca/capital-one-canada.html
Alot of people ask me about how to improve their credit rating on the Canadian-Money-Advisor website
They’re applying for a car loan, credit card, or mortgage and they have “bad credit” or even “new credit”.
Let’s talk about this for a moment
NEW CREDIT
New credit means that you’ve never had credit that’s reported to the Equifax and/or TransUnion credit bureaus before.
This could be because you’re a student, just turned 18, or perhaps you’ve newly immigrated to Canada.
BAD CREDIT
Bad credit means that you’ve missed a few payments on a credit card, loan or car payment… or maybe even had some dealings with a collection agency
The Capital One secured credit card can help you get started with a new and improved credit rating
Before I continue, let me give you a little information about what a security deposit is:
A security deposit is just that… it gives the creditor security against your loan, and… the amount required will be based on your current credit rating.
By giving CapitalOne a security deposit of as little as $75, you have guaranteed acceptance with their secured credit
card. This will give you a credit line of up to $750… credit lines of up to $1500 are available based on your credit rating, and higher security deposit.
This means within a very short period of time, your new credit card will start to report to equifax and transunion and start to develop your credit score.
In my opinion.. for only $75 … this is the least expensive credit card that will help you build or rebuild your credit rating.!!
British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Quebec, Newfoundland, New Brunswick, Nova Scotia, Prince Edward Island, credit canada
http://www.canadian-money-advisor.ca/secure-credit-card-info.html
http://www.canadian-money-advisor.ca/capital-one-canada.html
Duration : 0:1:59
Here ya go. Oh yeah, sorry about how the video flashes occasionally, I tried my best but I just couldn’t fix it. Deal with it.
Lyrics:
New Job/Pirate Restaurant Commercial:
They say a man should always dress
For the job he wants, so
Why’m I dressed up like a pirate
In this restaurant?
It’s all because some hacker
Stole my identity
Now I’m in here every evening
Serving chowder and iced tea
Shoulda gone to:
Free credit report dot com
Yee-haa!
I coulda seen this coming at me like an atom bomb
They monitor your credit and send you email alerts
So you don’t end up selling fish to tourists in T-shirts
Offer applies with enrollment in Triple Advantage.
Dream Girl:
Well I married my dream girl
I married my dream girl
But she didn’t tell me her credit was bad
So now instead of living in a pleasant suburb
We’re living in the basement at her mom and dad’s.
No we can’t get a loan
For a respectable home
Just because my girl defaulted on an old credit card
If we’d gone to free credit report dot com
I’d be a happy bachelor with a dog and a yard.
Offer applies with enrollment in Triple Advantage.
New Car:
Well I was shopping for a new car, which one’s me
A cool convertible or an SUV?
Too bad I didn’t know my credit was whack
‘Cause now I’m driving off the lot in a used sub-compact.
F-R-E-E, that spells free-
Credit report dot com, baby
Saw their ads on my TV
Thought about going but was too lazy
Now instead of looking fly and rollin’ phat
My legs are sticking to the vinyl and my posse’s getting
Laughed at
F-R-E-E, that spells free-
Credit report dot com, baby
Offer applies with enrollment in Triple Advantage.
Bicycles:
Check it out, gas prices blowing up sky high
Ditched my used subcompact for a two-wheeled ride
Now I’m rolling eco-friendly but I still look bad
When the bike store saw my credit they said this was all they had
F to the R to the E to the E to the
C to the R to the E D I T
RE to P O R T to the DOT to the COM
Come on everybody grab your bike and sing along, it’s easy
Offer applies with enrollment in Triple Advantage.
Rock Star:
When you’re a rock star
You get to party hard
Champagne and caviar
Tricked-out exotic cars
It’s just how I thought it’d be
‘cept the party’s not for me
‘Cause some punk opened a credit card with my ID
Free What? (free credit!) report dot com (I said it!)
That’s the site I’m gonna hit when I go home
They know how credit works
They send email alerts
Now I’m finding out how bad reality hurts
Offer applies with enrollment in Triple Advantage.
Renaissance Fair:
I was getting depressed ’cause of all the stress I was feeling at home
Had a poor credit score and the number would haunt me wherever I’d go
Thought I’d move to a place where my credit could stink and nobody would care
I just wish that somebody had told me that place was a Renaissance Fair!
Free Credit Report dot com!
Tell your friends, tell your dad, tell you mom!
Never mind, they’ve been singing our songs
Since we first showed up with our pirate hats on!
If you’re not into fake sword fights
Pointy slippers and green wool tights
Take a trip from a knight who knows
Free Credit Report dot com, let’s go!
Offer applies with enrollment in Triple Advantage.
Roller Coaster:
Buckle up everybody cause were taking a ride
It can strain your relationships and hurt your pride
It’s the credit roller coaster and as you can see it kinda bites so sing the lyrics with me:
When your debt goes up, your score goes down,
When you pay a little off it goes the other way around
It’s just the same for everybody every boy and girl,
The credit roller coaster makes you wanna hurl.
So throw your hands in the air, and wave ‘em around
Like a wannabe frat boy trying to get down
Then bring em right back to where your laptops at.
Log on to freecreditreport.com, stat
Free credit score and report with enrollment in Triple Advantage
Cell Phone:
Wanted to get myself a new cell phone
So I could hear myself as a ringtone
Who knew the store would go
And check my credit score?
Now all they let me have is this dinosaur!
Hello hello hello, can anybody hear me?
I know I know I know, I should have gone to
FreeCreditReport.coooom!
That’s where I shoulda gone,
Could have got my knowledge on.
Free credit score and report with enrollment in Triple Advantage.
Reno:
We were stuck in a basement apartment
Tiny rooms where the sun never blessed
So when we needed space for a family,
Set our sights on the wide, open, west.
Well I thought we’d see sierra vistas
And breathe air pure as new-fallen snow
But my poor credit score was a sinker (or stinker?),
Now we rent by the week in Reno.
Free credit score and report with enrollment in Triple Advantage.
Duration : 0:4:41
Tim sings Free Credit Report, talks about commericials and the sings a “Love” song….CHICK FIL A, and wedding songs. The guy sitting next to me got up to go somewhere, that’s when he says “where you going slappy?” I was trying to hold the camera still but I kept laughing.
Duration : 0:6:51
First Time Home Buyer Tax Credit Loan Program with Low Interest Rate FHA Mortgage and Low Down Payment. Government Assistance to purchase Lender Foreclosed Homes. Go To http://RealEstateMarketingThisWeek.com
Part 4 (Excerpt)
FHA financing why you should work with a broker: 4% appreciation over the last 17 years
You mentioned earlier that property values are up 71% long term, even though we had this 50% drop. Youre talking about the average 4% appreciation per year since 1992.
Right, I did some calculations I was working on a book last year and one of these days I may get around to publishing it. Its called Real Estates Future and what we were looking at was a statistical model to be able to pick the top and the bottom of all the real estate markets. I hadnt looked at the thing for about a year until I was working with Michael the other day and I started pulling it out and going lets run the model and see where we are in regards to the market, and one of the things I looked at is the last time we saw the bottom of the market was when I was selling houses for the RTC and that was in 1992, the median home price was $76,000. Median home price now is $130,000. That means from 1992 until now it went up 71%, thats after we just saw a 50% decline. So it is up 4% per year on average, and where else are you going to get a return like that? Even if you put 3.5% down on a house you are getting a heck of a lot more than a 4% return. If you look at the internal rate of return it is significantly greater.
Right and dont buy a house because you are looking at a rate of return. If you are a first time home buyer and you can qualify for this program, if you have been living in an apartment for the last three years and you just want to have a better place for yourself and your family to live, I know right now there are a lot of fabulous houses out there for $130,000. I saw one the other day that was listed at $100,000 that I know was probably at least $250,000 a couple of years ago. Yes, four bedroom-three bath houses, we are currently working on several cases at $150,000 or below, in good parts of Maricopa county.
I ran some numbers before as well just looking at the number of homes that sold in Maricopa County in January and in that month 45% of all the houses that were sold, sold for less than $130,000. And when I had the example earlier about the median family could buy a $280,000 that was 85% of the market. 85% of all the houses that were sold in Maricopa County could be purchased by a family of four with a median income.
And you know with the loan limits the way they are with FHA with 3.5% down you can go all the way up to $358,000 and still only put 3.5% down. Pretty much anyone can get in and I would probably say that 90-95% of all the houses sold were within the FHA loan limit. That means you can still get in with 3.5% down, you dont have to have perfect a credit report, you cant have a lot of bumps on it but it doesnt have to be perfect, you dont have to have a huge FICO score.
Do they even look at FICO scores? Its complicated, the Federal Housing Administration does not have a minimum FICO score requirement, however all of the mortgage banks have overlays, so in other words nobody uses just the FHA guidelines, they have their own parameters on top of the FHA requirements. One of the main reasons why you would want to go to a broker instead of directly to your bank is they may or may not have enough overlays that will work in your favor. As a broker we have all of the major mortgage banks and we know the guidelines, so we can make anyone fit into a house that can get approved.
Right and thats always the nice thing about working with a broker because you have, lets say you have 20 banks that you are signed up with and you are FHA with all of them, so you have 20 different sets of guidelines that you can fit the borrower into. If a home buyer went to a bank and they had to do an appraisal and a credit check and all that and then they denied you, you would have to go to a different bank and they would have to do all that same stuff all over again. When you are working with a broker they do it one time and then shop it to 20 different lenders.
Yes, and I have to point something out more importantly, if you go directly to your bank and you do get declined after you have spent the money on all these different things the process is much more difficult because you have to start all over again and the reason you were declined has to be explained as well and it becomes a much more lengthy process. Where as when working with a broker you dont have to do that. We take the hit for you and we move you into the right lender of your choice…
Duration : 0:6:3
EDIT 4: Uploaded “All 9 FreeCreditReport.Com Commercials.” So go watch it with the 3 new commercials added to the collection. Now.
EDIT 3: You know, you don’t have to remind me that there are new commercials out. In fact I uploaded them, so I think I would know. I’m waiting for all the new commercials to come out BEFORE I make another collaberation. So yeah. Shut up about the new commercials.
EDIT 2: Added the lyrics as annotations on the video. Now you don’t have to look in the description for the lyrics!!! Be careful though, the annotations jump around the video a lot so keep your eyes open!
EDIT: Oh my God!!! Fine!!! Here are the freakin lyrics! Now stop spamming me with the constant comments and messages to put the lyrics!!!
New Job/Pirate Restaurant Commercial:
They say a man should always dress
For the job he wants, so
Why’m I dressed up like a pirate
In this restaurant?
It’s all because some hacker
Stole my identity
Now I’m in here every evening
Serving chowder and iced tea
Shoulda gone to:
Free credit report dot com
Yee-haa!
I coulda seen this coming at me like an atom bomb
They monitor your credit and send you email alerts
So you don’t end up selling fish to tourists in T-shirts
Offer applies with enrollment in Triple Advantage.
Dream Girl:
Well I married my dream girl
I married my dream girl
But she didn’t tell me her credit was bad
So now instead of living in a pleasant suburb
We’re living in the basement at her mom and dad’s.
No we can’t get a loan
For a respectable home
Just because my girl defaulted on an old credit card
If we’d gone to free credit report dot com
I’d be a happy bachelor with a dog and a yard.
Offer applies with enrollment in Triple Advantage.
New Car:
Well I was shopping for a new car, which one’s me
A cool convertible or an SUV?
Too bad I didn’t know my credit was whack
‘Cause now I’m driving off the lot in a used sub-compact.
F-R-E-E, that spells free-
Credit report dot com, baby
Saw their ads on my TV
Thought about going but was too lazy
Now instead of looking fly and rollin’ phat
My legs are sticking to the vinyl and my posse’s getting
Laughed at
F-R-E-E, that spells free-
Credit report dot com, baby
Offer applies with enrollment in Triple Advantage.
Bicycles:
Check it out, gas prices blowing up sky high
Ditched my used subcompact for a two-wheeled ride
Now I’m rolling eco-friendly but I still look bad
When the bike store saw my credit they said this was all they had
F to the R to the E to the E to the
C to the R to the E D I T
RE to P O R T to the DOT to the COM
Come on everybody grab your bike and sing along, it’s easy
Offer applies with enrollment in Triple Advantage.
Rock Star:
When you’re a rock star
You get to party hard
Champagne and caviar
Tricked-out exotic cars
It’s just how I thought it’d be
‘cept the party’s not for me
‘Cause some punk opened a credit card with my ID
Free What? (free credit!) report dot com (I said it!)
That’s the site I’m gonna hit when I go home
They know how credit works
They send email alerts
Now I’m finding out how bad reality hurts
Offer applies with enrollment in Triple Advantage.
Renaissance Fair:
I was getting depressed ’cause of all the stress I was feeling at home
Had a poor credit score and the number would haunt me wherever I’d go
Thought I’d move to a place where my credit could stink and nobody would care
I just wish that somebody had told me that place was a Renaissance Fair!
Free Credit Report dot com!
Tell your friends, tell your dad, tell you mom!
Never mind, they’ve been singing our songs
Since we first showed up with our pirate hats on!
If you’re not into fake sword fights
Pointy slippers and green wool tights
Take a trip from a knight who knows
Free Credit Report dot com, let’s go!
Offer applies with enrollment in Triple Advantage.
Duration : 0:3:4
Free Credit Report Commercial – COMBO