| |
 |
Quick, Easy and
Guaranteed Credit
Repair...
Improve Your Bad Credit
Reports and Save Time,
Money & Aggravation!
|
Dear Friend:
I know what you're thinking right
now... "Credit repair doesn't
work!" or
"Credit repair is
illegal".
Well,
I felt the same EXACT way about credit
repair, but fortunately
for you, I found the fastest most
reliable way possible to repair
your credit reports.
Did you know that credit
repair is your right
under the Federal Trade
Commission's "Fair Credit
Reporting Act".
This was put into place to
protect you against the credit
reporting agencies, nearly 38
years ago! You can see what the
Federal Trade Commission has to
say about credit repair by
clicking here.
Most likely I've already lived through
what you might be experiencing right
now, only my situation
was worse, much worse...
...I
had a
foreclosure, bankruptcy, collections,
liens, judgments,
you name it, and I had it on
my credit report.
I have personally experienced
living with an awful and embarrassing
credit report! Until I found out
about my credit repair rights
as a consumer under Federal Law.
So, no matter what condition your
credit report is in... Good or bad,
this credit repair information applies to you
and in some cases it's downright
shocking!
If you want to avoid wasting time
online searching, trying to find
a legitimate credit repair source...
Look no further; this might be the
most important website you'll ever
read!
Here's why:
If you’re like the other 70 million
Americans, you’re struggling with
bad credit... and you’ve been denied
credit -- or -- You’re probably
a victim to interest overcharges
without even knowing it!
With our tested and
proven credit repair
information:
 |
You're guaranteed
to save time, money,
and aggravation
in your attempt to repair
your bad credit
and restore
your good name. |
|
|
You'll find real
life credit
repair solutions,
to real life bad credit
problems... not
some compiled information
based upon theories. |
|
|
You'll discover how
you can stop struggling
with a bad credit
report TODAY! |
|
|
You’ll learn to avoid
the disastrous
credit
repair mistakes and situations that
I was personally a victim
to. |
If you’re like most consumers, you’ve
purchased advice from self proclaimed
“credit repair experts”
and you’ve been disappointed, only
to find out that many months later
you still had bad credit...
... Even worse, with so much
"how to" information on the
market, you can become paralyzed,
and extremely frustrated.
I know you're
probably skeptical... With
credit repair,
that's
normal and healthy.
Here's a very good reasons why I
can back up my claims.
I've been where you are, so I feel
your pain.
Several years ago, I had made some
bad real estate business decisions,
which left me with bad credit! The
only thing that I knew about was
to immediately run out and file
a Chapter 13 bankruptcy.
Well... after I was unable to
make my Chapter 13 trustee payments
because I didn't have the money,
they dismissed my bankruptcy.
So I filed another Chapter 13,
and I found myself in the same
situation again.
Meanwhile, two Chapter 13 Bankruptcies,
one Chapter 7 bankruptcy, 5 Civil
Judgments (two of the judgment was
a combined $183,843 from the foreclosure
of my prior home and investment
property), and 36 collections later...
I found myself with bad credit,
renting a small home and unable
to get approved for anything, except
a pre-paid cellular phone.
Unfortunately, once you have
less than perfect credit, it is
very difficult (close to impossible)
to get new credit so that you can
combat and overcome your bad credit
with good credit. Until now...
After my personal tragedy I turned
to telephone pole signs, classified
ads, and the internet looking for
a solid credit repair company for
answers...
...Well, I think you all know
the end of this story.
I spent a total of $6,729.00, over
a four year period, in credit repair
tactics, tips and tricks... credit
repair doctors and clinics.
I’ve tried them all! Needless
to say none of them worked.
Throughout my long journey I learned
a LOT! So I began helping others
help themselves.
Please don't believe the wild credit
repair claims:
"How to get a perfect credit score,
guaranteed!"
I have a 16 year history dealing
with credit reports and the credit
bureaus.
850 points is considered to be a
perfect credit score by Fair Isaac
and Company (FICO), and in my sixteen
years in this industry I've never,
ever seen a PERFECT credit score.
I've seen a really, really great
credit report, without any derogatory
or late accounts. But, never a PERFECT
credit score.
It just doesn't work that way.
You don’t fully know me yet, I realize
that, but I honestly hate to think
of you wasting years of your life
and thousands of dollars,
experimenting with different
credit repair companies...
Trying to rebuild your credit
reports, only to find that your
plan was flawed from the beginning.
If you have over $6,700 and four
plus years to waste with ineffective
credit repair methods then I suggest
that you turn to classified ads
and telephone pole signs and stop
reading now... this information
isn't for you.
But, if you'd rather
skip the learning curve and
save your time and money,
keep your eyes glued to this
page.
I've already spent the time and
the money for you. Now I'll show
you exactly how to duplicate my
credit repair success, and improve
your credit reports in the fastest
way possible...
...without guesswork, risk,
extra costs, and frustration
trying to "go at it alone."
Credit report scores are commonly
known as FICO scores. Most credit
report scores used in the US and
Canada are produced from software
developed by Fair, Isaac and Company
(FICO). Credit scores are intended
to be a “snap-shot” of your credit
history.
Frankly, I'm giving you an Un-Fair
Isaac and Company advantage, because
I’ve already trudged through the
trial and error for you.
You're probably wondering how and
why I can make these claims... Let
me explain.
I'm Separating the Credit Repair
Hype & Outright 'BS' with
Proven Strategies
and
Tested Research
First, let me dispel the
myths and rumors about credit repair,
the credit bureaus, and your credit
reports.
And also let me start by saying
it is CRITICAL that you understand
that the Fair Credit Reporting Act
was established to protect YOU
from the abuses which are natural
in the credit rating BUSINESS...
And, that is exactly what it
is, a "for-profit" billion dollar
business.
The credit bureaus are not
government agencies, despite the
fact that they call themselves credit
bureaus... And, they are governed
by the Federal Trade Commission.
I'm not sure if you knew this or
not, but the Fair Credit Reporting
Act Section 609(c)(1)(B) protects
you from, how long the credit reporting
agency can keep you on hold on the
telephone, when you call to inquire
about YOUR credit report.
|
|
|
"Nation's
Big Three
Consumer
Reporting
Agencies
Agree
To Pay $2.5
Million
To Settle
FTC Charges
of Violating
Fair Credit
Reporting
Act"
"Three national
consumer
reporting
agencies:
Experian
Information
Solutions,
Inc.
(Experian)
"...have
agreed to
a total
of $2.5
million
in payments
as part
of settlements
negotiated
by the Federal
Trade Commission
to resolve
charges
that they
each
violated
provisions
of the Fair
Credit Reporting
Act
by failing
to maintain
a toll-free
telephone
number at
which personnel
are accessible
to consumers
during normal
business
hours.
The Fair
Credit Reporting
Act is designed
to promote
accuracy,
fairness
and privacy
of information
in the files
of every
consumer
reporting
agency.
To provide
consumers
the ability
to more
easily
resolve
inaccuracies
in their
credit reports
quickly,
Congress
amended
the Fair
Credit Reporting
Act -- effective
Sept. 30,
1997..."
Federal
Trade Commission
Click Here
For The
Full Story
|
|
|
|
Did you know that one or two "slow
pay" entries on your credit report
could cost you thousands of dollars
- even if they are inaccurate and
shouldn't be on your report?
Most likely you're being ripped
off right now, paying higher
interest rates at your bank, finance
company, or credit card company
as a result of inaccurate information
on your credit report!
You may be losing thousands
of dollars...
Money that you could be putting
to good use rather than enriching
some mortgage company, bank, or
mega-billion-dollar credit card
company.
Unfortunately, money is not
the only thing bad credit could
cost you. If you have just one or
two negative references on your
credit report it could jeopardize
financing your:
|
|
|
|
|
|
|
New Home or Apartment |
|
New Bank Account |
|
|
New Car |
|
College Education |
|
|
New Job |
|
Life or Auto Insurance |
|
Yes! Insurance...
|
|
"Farmers
Insurance
Company
set the
price higher
than the
price it
would have
set if the
information
in his report
had been
more
favorable"
"...when
a consumer
applies
for insurance,
Farmers
Insurance
Company
of Oregon
requests
a credit
report regarding
the consumer.
Farmers
Insurance
Company
of Oregon
then uses
information
in the report
to set the
initial
rate for
the insurance
it offers
the consumer.
Specifically,
plaintiff
Ashby alleges
that
FICO
set the
price for
the insurance
it offered
him higher
than the
price it
would have
set if the
information
in his report
had been
more favorable,
and that
this constituted
an “adverse
action,”
as that
term is
defined
in the Fair
Credit Reporting
Act..."
Federal
Trade Commission
Click Here
For The
Full Story
|
|
|
|
Experts say that nearly 80% of
U.S. citizens have inaccurate information
on their credit reports. These are
people just like you who have paid
their loans but may have paid after
the due date or within the grace
period. The grace period is normally
15 days after the due date.
Nevertheless, the banks and credit
card companies still report you
as "paying late" and this negative
information is added to your report
by the credit reporting agencies.
I have been dealing with credit
for the past 16 years and I hear
people all the time say...
"How can MY credit report contain
inaccuracies? I didn't pay that
bill so how in the world is that
inaccurate?"
|
|
|
NCO Group
to Pay $1.5
million
to Settle
FTC Charges
of Reporting
Inaccurate
Delinquency
Dates to
Credit Bureaus
"One of
the nation’s
largest
debt-collection
firms will
pay $1.5
million
to settle
Federal
Trade Commission
charges
that it
violated
the Fair
Credit Reporting
Act by
reporting
inaccurate
information
about consumer
accounts
to credit
bureaus.
According
to the Federal
Trade Commission’s
complaint,
defendants
NCO Group,
Inc.; NCO
Financial
Systems,
Inc.; and
NCO Portfolio
Management,
Inc.
violated
Section
623(a)(5)
of the Fair
Credit Reporting
Act...
Which specifies
that any
entity that
reports
information
to credit
bureaus
about a
delinquent
consumer
account
that has
been placed
for collection
or written
off must
report the
actual month
and year
the account
first became
delinquent.
Federal
Trade Commission
Click Here
for Full
Story
|
|
|
|
Why do all these
inaccuracies occur?
| |
Because, "sub-prime"
or "bad credit"
lending is big-business
increasing tenfold to $370,000,000,000
(Yes! billion) between 1997-2007. |
Even one-half of one percentage
point in interest overcharges can
mean thousands of dollars in overpayment
on your home, car, and business
loans.
Why should you be paying high interest
on your loans when you could be
paying the lowest available bank
rates?
And these credit bureaus and creditors
simply just don't care! Remember
that $2.5 million settlement article
from earlier?
Well, look at this...
|
|
|
Equifax
to
pay an
additional
$250,000
for violating
the original
consent
decree.
FTC Alleges
Blocked
and Delayed
Consumer
Calls Violated
Consent
Decree.
Equifax
Credit Information
Services,
Inc. (Equifax)
will pay
$250,000
to settle
Federal
Trade Commission
charges
that its
blocked-call
rate and
hold times
violated
provisions
of an FTC
consent
decree that
settled
a 2000 lawsuit
for violations
of the Fair
Credit Reporting
Act.
The Fair
Credit Reporting
Act
is designed
to promote
accuracy,
fairness,
and privacy
of information
in the files
of every
consumer
reporting
agency.
To provide
consumers
with the
ability
to resolve
more easily
inaccuracies
in their
credit reports...
Federal
Trade Commission
Click Here
For The
Full Story
|
|
|
|
Federal
laws require that credit reporting
agencies DELETE any information
that is inaccurate, erroneous, or
obsolete when it is brought to their
attention.
Inaccurate
information contained within your
credit report lowers your credit
score. You may not have heard of
it, but...
Make No Mistake: Bad Credit Scores
Have Been
Affecting You For Years
Without You Knowing It!
You may not even know that you have
a credit score, but you do -- credit
card companies, mortgage brokers,
auto lenders and finance companies
use it, EVERY TIME you apply for
credit or a loan.
It’s a three-digit number that credit
bureaus or lenders assigns to you
based on how much debt you have
and your bill payment history.
The higher your credit score, the
better it is for you.
But... Here’s the twist, lenders
and credit bureaus are not required
to tell consumers their credit scores,
which puts consumers at a big disadvantage.
It’s to the advantage of the lenders
to keep this information a secret.
If a consumer knew what his or her
credit score was, they could go
to the lender and say “I’ve got
a score of 650 or I’ve got a score
of 850” what kind of interest rate
can I get.
Without knowing that score you are
at the mercy of the lender. The
people most affected are sub-prime
borrowers or those with less than
perfect credit. It’s apparently
easier to get that label; one late
payment and your credit score could
automatically lower.
A low score can mean you don't get
a credit card or loan, or that if
you do, you will pay a high interest
rate!
They look at your credit report
... and then compare it to hundreds
of thousands of past credit reports,
letting your creditors know how
much risk they will take -- if --
they were to loan you some money.
Understanding credit scoring can
help you manage your credit health.
By knowing how your credit risk
evaluated, you can take actions
that will LOWER your credit risk...
and in turn raise your credit score.
A better credit score means better
financial options for you!
Cost of a Bad Credit
Report...
Can You Afford It?
Bad Credit? No Credit? No
Problem. You hear lenders
saying it all the time but who’s
REALLY paying the price? You!
Sub-prime lenders charge higher
interest rates, usually three to
five percentage points above what
borrowers with a higher credit score
pay, plus thousands of dollars in
fees.
Unfortunately, accepting higher
interest rate offers can result
in an uncontrollable debt overload.
The cost of poor credit goes much
deeper than just trying to qualify
for a small computer loan or secured
credit card.
Maybe you have not given much thought
to how much your bad credit is costing
you. But, you are being
punished for your bad credit score
in almost everything you do. Your
credit score determines your ability
to borrow...
The following is a generic chart
to help you determine where your
credit.
Your credit score decides how much
you will be charged in interest
on any given loan -- if --
you can even get a loan. Below,
I’ve given you a few examples of
the cost of your bad credit and
how much the industry is charging
you.
Can you afford to continue on down
this expensive road?
You might want to take the next
step by finding out what your credit
score is today, and what steps you
could take to improve it.
Cost of a Bad Credit
Report
With Auto Financing
Car dealers can use your low credit
score to charge you higher interest
rates! You could be one of the more
than 40 million people who are paying
sub-prime rates for car financing.
If your credit score is low, you
are paying much more for your loan
then others.
$20,000 Car | Over 60
Months | No Trade-In
| $0 Cash Down
You can see
how much you are paying extra per
month for the same loan amount!
Add that up annually and the difference
is massive. That's over $2116.92
per year in added interest, and
over $8467.68 more for the life
of the loan!
Why continue to lose all of that
extra money simply because of your
past credit problems?
Cost of a Bad Credit Report
With
Home Loans
If you think
that the impact of expensive auto
financing is bad, it is nothing
compared to how much you can be
paying for bad credit with a home
loan. If your credit score falls
below 680, you could be paying too
much for a home loan or refinance
also.
$200,000 Home Paid Over 30 Years
|
Credit Status
|
Rate
|
Payment
Loan & Interest
|
Monthly Cost
Of A Low Score
|
|
Real Good
|
5.66%
|
$1155.74
|
$0.00
|
|
Real Rough
|
11.75%
|
$2018.82
|
$863.08
|
The difference
in monthly payment and total interest
paid is dramatic. That's over $144,644.40
in additional interest!
It doesn't have to be this way.
You can do something about this
injustice! In fact, the sooner
you do the more money you will keep
in your pocket.
Have you checked
your credit report to verify that:
Years of Tested and Proven
Credit Repair Strategies... The
Most Complete Credit Solutions You'll
Find Anywhere, Is Yours Risk Free!
The fact
is, I could say that you'll own
the "same" exact credit repair strategies
that I used to improve my own
personal credit reports and the
"same" exact strategies I've shared
with thousands of others people
over the years...
But, this wouldn't be exactly
true.
My newest
studies and findings, which we'll
apply to your credit reports, are
actually far more powerful. You
see, the laws frequently change;
strategies that worked in previous
years no longer work anymore.
That's
why I constantly keep myself and
my team up to date with the latest
proven techniques.
Better
still you're about to receive
the most complete credit and
debt education and improvement membership
ever!
Now picture
this... It’s 6 months from today
(or sooner), and you’ve corrected
your credit reports – with a lot
less effort than you expected.
Now,
stop and look back on today. Considering
that you’ve now improved your credit
report and spending power, what
price tag would’ve made it a good
investment?
To determine
this, I analyzed all of the interest
over charges and junk fees that
individuals with bad credit is victim
to. On average someone with less
than perfect credit pays $7,000
- $8,000 more on auto loan payments
and $100,000+ on home loan payments
over the life of the loans.
I want
you to ask yourself a question…
Is throwing away money on:
 |
Check cashing fees
(if you don’t have a
bank account because
of your bad credit). |
|
|
Pre-Paid Credit Cards
that charge outrageous
fees with every purchase,
plus fees as high as
$9.95 every time that
you load your card. |
|
|
Western Union Quick
Collect fees because
you don’t have a credit
card with a high enough
balance to pay your
bills over phone or
online |
|
|
Pre-Paid Cell Phones
where you are paying
.07 - .11 cents more
per minute than if you
would have if you had
a regular plan |
|
|
Rent Payments
(if you do not own a
home of your own because
of your bad credit report) |
|
|
Sub-Prime Mortgage
Interest Rates (if
you do own a home but
was only able to get
a higher interest rate
at the time of purchase
because of your bad
credit report.) |
|
|
Higher automobile insurance
premiums |
Let’s
look at these numbers from earlier
again:
If
this is ok with you, then you are
at the wrong website, May God
bless you and good luck. But
if credit repair is as serious to
you as I think that it is? Then…
What’s
it worth to ensure that you don’t
waste thousands of dollars in
interest overcharges, every single
month for the rest of your life?
What’s
it worth to ensure that you don’t
struggle to repair your credit
report with risky and ineffective
techniques trying to go at it alone?
I looked
at all of the above and arrived
at the very modest price of just
$68.00 for your Credit Report Audit/Analysis
Fee and only $79.00 a month membership
fee for 3 months. That’s only
$304.00 for 180 days worth of work.
|
For
this investment in your
future, all you'll pay is
less than the cost of a
daily Starbucks Latte.
That's just $1.69 per
day.
The
truth is, it's worth it,
honestly it's like that
Master Card commercial it's
priceless!
So I need you to please
do me a quick favor... ask
yourself these questions:
|
 |
 |
Doesn’t it make sense
to pay $120.00 less
on your car note every
month?
|
|
-- or -- |
|
|
Doesn't it make sense
to save hundreds
of dollars every single
month just by refinancing
at these all time low
interest rates on your
home loan? |
What
if your interest rate on your credit
card was a fixed 10.71% instead
of a 20 – 30% hidden fee credit
card?
Would that be worth it? Of course
it would!
“Be Among The Next Few People To
Take Advantage And I’ll Welcome
You With A Special Membership Gift!”
I’ve decided to do something “extra
special” for the next handful of
new members that takes advantage
of this – I’d like to welcome you
with a extraordinary membership
gift:
 |
Enjoy a FREE 30-Day Trial
Membership With the Leading
Identity Theft Protection
Company
As consumers, our personal
information is out there
and available to criminals...
Since January 2005 more
than 150,000,000 letters
have been sent to consumers
warning them that their
personal information has
been lost or stolen.
This year alone more
than 10 million people in
the US will become victim
of identity theft.
To put that into perspective
you’re 25 times more
time likely to have
your identity stolen
than your car… And
40 times more likely
to have identity stolen
than your home broken
into!
As a member of this exclusive
offer:
 |
First,
fraud alerts
are set on your
behalf. |
 |
Second,
your name will
be removed from
pre-approved
credit card
and junk mail
lists. Statistics
show that this
is one of the
most common
ways that thieves
hijack identities.
|
 |
Third,
hassling with
lost or stolen
wallets is no
longer a problem.
If ever your
wallet goes
missing, just
pick up the
phone - anytime,
anywhere - and
a specialist
will contact
each credit
card, bank or
document issuing
company...
Cancel
your affected
accounts and
complete the
paperwork and
steps necessary
to replace your
lost documents,
including your
credit/debit
cards, driver's
license, social
security card,
insurance cards,
checkbook -
even travelers
checks (Pictures,
cash and other
monies are excluded.)
|
 |
Last, but
certainly not
least: If
your Identity
is stolen while
you are our
client, we're
going to do
whatever it
takes to recover
your good name.
If you need
lawyers, we're
going to hire
the best we
can find. If
you need investigators,
accountants,
case managers,
whatever, they're
yours.
|
If you have a reason to
think that you will become
a victim of Identity Theft,
this will help you stop
looking over your shoulder.
|
 |
Here’s the bottom line:
Others may promise you results from
quick and easy credit repair techniques,
but if those methods are out of
date, or if they simply just don’t
know what they are doing, you’ll
spend countless months of frustration
working on your credit reports with
zero results.
|
Here's My Risk-Free...
No Hassle,
No Questions Asked 365
Day Guarantee!
Even though we provide
you with 6 month of
service to ensure that
you receive the highest
quality of results.
I’ll give you 365 days
to sit back and determine
if this was all worth
it. That's right you
have until February
2009, I take on all
of the risk!
Beginning after the
4 month of our service
you can request an evaluation/audit
of your account. If
you aren't satisfied
for any reason, or we
don't live up to your
expectations, just contact
me right up until the
final day of this 365
day guarantee and I'll
cheerfully refund your
money and the bonuses
are yours to keep.
We will add up the complete
value of all successfully
deleted or corrected
items and compare that
amount to what you have
paid. If what you have
paid is more than the
value of the deleted
or corrected items we
will refund you the
difference. To determine
the total value of our
service we count the
number of items we successfully
deleted/corrected and
multiply that by $55.00
per item. We use the
amount of $55.00 per
deleted/corrected item
as the fair market value
for our service.
|
So, if you
are serious about saving money on
high interest rate credit cards,
auto and home loans, then I invite
you to discover how you can quickly
and easily improve your credit reports
with less stress. Here’ how:
To Find Out How You Can Correct
Your
Bad Credit Report Today Click Here
Now…
There are Four Ways To Get Started
In The Next 5 Minutes:
-
Click
here
for the fastest
way to get your credit repair
started
through
our Secure Online Server.
Remember, if you are not thrilled
with your membership, you have
until February 2009 to claim
your guarantee.
-
Call toll free at (866) 200-1940
-- 9 a.m. to 5 p.m. Central
Standard Time. Outside of business
hours please leave a detailed
message and the best time to
call.)
-
Click
here to print out an order
form, so that
you can mail or fax in your
membership.
-
Click
here to have us call you
for ordering information.
After you fill
out the quick order form you'll
receive a welcome letter and e-receipt
sent to your email address. Then
one of our friendly representatives
will contact you.
They'll congratulate
you on your
smart decision
to get your credit repaired
and answer any other questions you
may have. We'll be in contact
with each other every step of the
way, in fact, after you sign up
you'll be brought to our customer
support center which is in place
to support you through every step
of the process.
We always
keep you updated and informed, plus
you can even call or email us anytime
throughout your entire 6 month service!
With your
best interest at heart,
Brian Valentine
P.S. I think
that anyone who is trying to improve
their quality of life will completely
understand how important credit
repair is to their financial future.
It’s an opportunity to say “never
again” to interest overcharge and
embarrassment when applying for
a line of credit.
But I must warn you...
If you rely
on books to improve your credit
reports – or you just try to “figure
it out” on your own – your efforts
could backfire, and you could end
up in the exact same financial position
1 or 2 years from now and have wasted
thousands of dollars on ineffective
credit repair tips and interest
overcharges.
To Begin Your Risk Free Credit Repair
Membership Click Here Now…
|
