Consumer Law Expert
Jamaican-American military veteran and entrepreneur Daraine Delevante has come a long way since immigrating to the United States in the 1990s. Through resilience and determination, he has established himself as a pioneering leader in the financial technology space with a mission to empower consumers.
As a US Army veteran who served overseas, Delevante knows the challenges that come with being an outsider navigating an unfamiliar system. After leaving the military in 2020, he challenged himself to read over 143 books, fueling his passion for learning and teaching.
Armed with this newfound knowledge, Delevante founded Consumer Law Secrets LLC in 2021 with a mission to share his wealth of knowledge to consumers who have been burdened by generational misinformation and misfortune. Starting as an educational community, the company now offers digital products and services leveraging Delevante’s expertise in consumer law.
Explore the intricacies of legal dispute resolution at our comprehensive event, Small Claims, Arbitration, Superior or Federal Court. Designed for individuals, businesses, and legal professionals, this event will provide you with a deep understanding of the different avenues available for resolving disputes, from small claims courts to arbitration and higher courts.
Live Audience podcast-style thorough discussion about The Fight For Fair Credit.
Join Daraine as he launches the newest cutting edge technology in Credit Dispute.
So, you're now financially empowered with the knowledge you'll ever need. Let's recap everything we've learned and gathered so far and listen to Daraine one last time as he wraps things up.
Catch Box Participation Exercise Welcome to The Credit Summit! We are thrilled to have you with us today as we dive into the world of credit, financial empowerment, and transformative change. But before we begin, we want to hear from you! Let's kick off our event with a fun and engaging participation exercise that puts you at the center of our conversation. Why Are You Here? It's a simple question, but one that can have a variety of powerful answers. Are you here to learn how to improve your credit score? To discover strategies to grow your business? Or maybe you're looking to network with like-minded professionals? Whatever your reason, we want to know! Here's how it works: Catch the Box: We'll be tossing around a Catch Box—a fun, soft microphone that makes audience interaction easy and exciting. When you catch the box, take a moment to introduce yourself to the room. Share Your Reason: Tell us why you're here at The Credit Summit. What do you hope to gain from this experience? What questions are you looking to get answered? Share your motivations, goals, or even your biggest credit challenges. Pass It On: Once you've shared, pass the Catch Box to someone else. Let's keep the conversation flowing and get to know the diverse reasons that brought each of us to this summit. This exercise is not just about introductions; it's about creating connections and setting the stage for meaningful discussions throughout the day. Your participation helps us shape the conversations and ensures that our sessions meet your needs and expectations. So, get ready to catch the box, share your story, and make the most of your time here at The Credit Summit! Let's find out together—Why are you here?
Are You Ready to Take Control of Your Credit? Understanding your credit report is a crucial step towards achieving financial stability and improving your credit score. Join us for this informative and practical session on "Pulling Credit Reports: How to Read Your Credit Report & Identify Negative Items" and learn how to navigate the complex world of credit reports with ease. What You'll Learn: How to Pull Your Credit Report: Learn the steps to access your credit report from major credit bureaus. We will guide you on how to request your report, understand your rights, and how often you can access it for free. Decoding Your Credit Report: Credit reports can be confusing with all the numbers, codes, and terminology. We'll break down each section of the report, explain what everything means, and show you how to make sense of the information presented. Identifying Negative Items: Negative items like late payments, collections, and charge-offs can significantly impact your credit score. We will teach you how to spot these items quickly, understand their implications, and assess their accuracy. Understanding the Impact of Negative Items: Discover how different negative items affect your credit score and your overall financial health. Learn why it's essential to address these issues and how they can affect your ability to get loans, credit cards, or even rent an apartment. Steps to Dispute Inaccurate Information: Find out how to take action if you spot errors or inaccuracies in your credit report. We'll provide you with the tools and knowledge to dispute incorrect information effectively and ensure your credit report accurately reflects your financial behavior. Who Should Attend: This session is ideal for anyone looking to gain a deeper understanding of their credit report, whether you're new to managing credit or looking to repair and improve your existing credit score. Financial professionals, students, and anyone interested in personal finance will find valuable insights and actionable advice. Why Attend? Empower yourself with the knowledge to take control of your credit. Gain confidence in managing and improving your credit score. Learn from Daraine Delevante who can answer your questions and provide support. Take the first step towards better credit management! Join us for this essential session and equip yourself with the tools and knowledge you need to navigate your credit report and tackle negative items head-on.
Ready to Unlock the Secrets of Your Credit Score? Understanding your credit score is essential for taking control of your financial future. Join us for this eye-opening session, "Breaking Down the 5 Factors of Credit & Leveraging Consumer Law for Deletions," where we'll dive deep into the factors that shape your credit score and reveal how you can use consumer laws to your advantage to improve it. What You'll Learn: The 5 Key Factors of Your Credit Score: We'll explore each of the five critical elements that influence your credit score: payment history, credit utilization, length of credit history, new credit, and credit mix. By understanding how each factor affects your score, you'll be better equipped to make informed decisions that can positively impact your credit profile. How to Improve Each Factor: Learn actionable strategies for boosting each of these credit factors. Whether it's reducing your credit utilization ratio or establishing a longer credit history, we'll provide practical tips to help you strengthen your credit score over time. Leveraging Consumer Law for Credit Repair: Many people don't realize that they have legal rights when it comes to their credit report. Discover how consumer protection laws, such as the Fair Credit Reporting Act (FCRA), can be used to challenge and remove inaccurate, outdated, or unverifiable information from your credit report. Steps to Dispute and Delete Negative Items: Learn how to initiate disputes with credit bureaus effectively. We'll guide you through the process of identifying errors, filing disputes, and following up to ensure that negative items are deleted from your credit report. Real-World Examples and Success Stories: Hear real-life examples of how individuals have successfully leveraged consumer law to clean up their credit reports and improve their scores. These success stories will inspire and motivate you to take control of your own credit situation. Who Should Attend: This session is perfect for anyone looking to understand how credit scores work and those interested in using legal means to clean up their credit reports. Whether you're new to credit, looking to repair your credit score, or a professional in the financial industry, this event offers valuable insights for everyone. Why Attend? Gain a clear understanding of what affects your credit score and how you can improve it. Learn about your rights under consumer law and how to use them to your benefit. Walk away with practical tools and strategies to clean up your credit report and boost your score. Don't miss this opportunity to take charge of your financial future! Join us for this essential session and empower yourself with the knowledge and tools to navigate the credit landscape with confidence.
Discover the Hidden Players in Your Financial Profile! In the world of credit and consumer reporting, most people are familiar with the "Big Three" credit bureaus: Experian, Equifax, and TransUnion. However, did you know that there are numerous other agencies collecting, storing, and reporting your financial data? Join us for our eye-opening session, "Credit Bureaus Don’t Exist: Secondary Consumer Reporting Agencies," where we unveil the lesser-known but influential players in the credit reporting industry. What You’ll Learn: Unmasking the Secondary Agencies: Learn about the various secondary consumer reporting agencies that operate behind the scenes. Discover who they are, what data they collect, and how they can impact your creditworthiness and financial opportunities. How Secondary Agencies Affect You: Understand the role of these agencies in your everyday financial life. From rental history to medical records, utility payments to employment background checks, we’ll show you how secondary agencies have a far-reaching impact on your credit profile and financial decisions. Common Types of Secondary Reports: Get acquainted with the different types of consumer reports these agencies provide, including tenant screening reports, employment background checks, insurance claims history, check-writing history, and more. Knowing what reports are out there can help you stay one step ahead. Your Rights Under the Law: Empower yourself by learning about your rights under the Fair Credit Reporting Act (FCRA) and other relevant consumer protection laws. We’ll discuss your right to access, dispute, and correct information held by secondary reporting agencies. How to Monitor and Manage Secondary Reports: Learn practical steps to request and review your secondary reports. We’ll provide tips on how to identify and address errors, and how to take control of your data to protect your financial reputation. Strategies for Dealing with Negative Reports: Discover effective strategies for handling negative information on your secondary reports. We’ll discuss dispute processes, negotiation tactics, and how to work with these agencies to improve your standing. The Future of Consumer Reporting: Gain insights into emerging trends and technologies in the consumer reporting industry. Understand how data privacy concerns, regulatory changes, and innovations like artificial intelligence are shaping the future of credit reporting. Who Should Attend: This session is ideal for individuals looking to gain a deeper understanding of how their financial data is handled and reported. Whether you’re a consumer seeking to protect your credit, a financial advisor, a credit repair specialist, or a legal professional, this session will provide valuable knowledge and tools. Why Attend? Learn about the hidden agencies that play a critical role in your financial life. Understand your rights and how to protect your data. Discover how to manage and improve your consumer reports beyond the traditional credit bureaus. Don’t be in the dark about your financial data! Join us and learn how to navigate the world of secondary consumer reporting agencies, ensuring you’re fully informed and in control of your financial future.
Unlock the potential of consumer laws to kickstart and grow profitable businesses at our engaging event, Leveraging Consumer Laws To Start Cash Flowing Businesses. Designed for entrepreneurs, business owners, and legal professionals, this event will provide you with the knowledge and strategies needed to navigate and utilize consumer protection laws effectively to drive your business success. What to Expect: Expert Insights: Gain valuable perspectives from legal experts and successful entrepreneurs who will discuss how to leverage consumer laws to create and sustain profitable ventures. Learn about the legal frameworks that can be harnessed to protect your business and enhance consumer trust. Legal Fundamentals: Dive deep into the essential consumer laws that impact business operations, including regulations on advertising, privacy, product safety, and customer rights. Understand how these laws can be used strategically to your advantage. Practical Workshops: Participate in interactive sessions that offer hands-on experience in applying consumer laws to real-world business scenarios. Explore case studies and role-play exercises to develop practical skills for compliance and strategic planning. Case Studies: Discover how various businesses have successfully integrated consumer law principles into their operations. Analyze real-life examples to see how legal strategies have driven growth and mitigated risks. Networking Opportunities: Connect with fellow entrepreneurs, legal professionals, and industry experts. Share experiences, exchange ideas, and build connections that can support your business journey. Actionable Strategies: Learn actionable strategies for incorporating consumer law knowledge into your business plan. Get practical tips on how to use legal compliance as a competitive advantage and ensure long-term sustainability. Q&A Sessions: Engage directly with our panel of experts during dedicated Q&A sessions. Address your specific questions and get personalized advice on leveraging consumer laws for your business. Who Should Attend: This event is perfect for entrepreneurs, startup founders, business owners, legal advisors, and anyone interested in understanding how consumer laws can be used to build and scale profitable businesses. Whether you’re launching a new venture or seeking to optimize an existing one, this event will provide the insights you need to navigate legal complexities and foster financial success. Don’t miss this opportunity to harness the power of consumer laws to fuel your business growth. Register now and take the first step towards a more informed and legally sound business strategy!
Listen to success stories of The Credit Hero (Daraine Delevante) and joining CLSU has changed the life and income for the better.
That kicks off the second day of The Credit Summit, let's do a mild recap of all the things we learned and gathered.
