Read This Short Letter to
See How You Can Raise Your Credit
Score 100-130+ Points in Less
Than 3 Months With Less Than 10
Hours of Work!
Dear Web Visitor;
I have been involved with
the credit industry for well over 20 years in several
different fields; one of which was actually working for a
major credit bureau.
Year after year I came across
thousands of Americans with credit problems that seemed
After seeing this over and over, I started to
do some research on how and why these people were having
After a few short months, I came to the
conclusion that over 85% of the problems could be fixed,
corrected or eliminated with very little effort on the part
of the credit victim.
If you have any questions of my
credentials please read
about me and view all of the testimonials below. I am
not working out of someone's basement. I run a complete
credit repair program in our office for all of my clients
day in and day out. My company is the only one that has
actually rewritten their program throughout the years to
keep up with the times.
I am not asking for a large
investment and I do not like credit bureaus. After working
for one I have uncovered their "tactics" that they use to
avoid accurately verifying information. These bureaus should
ultimately be closed by the government for deceiving the
Please read below and make
the decision for a better life!
FACT: Six out of ten Americans are victims of a "bad credit
rating." This plague is spread by the credit bureaus and the
credit card companies that entice and trap ordinary
Americans, so they wind up facing financial ruin.
You can quickly restore your credit
rating...And with the right information, it's something you
can do for yourself, quite easily.
Fixing your own credit rating is perfectly legal in every
state. You can completely restore your credit rating from
the comfort and privacy of your own home.
You can get a credit card
even with bad credit, GUARANTEED!
Most Americans with
credit problems will need to get a second job in the next
month just to keep utilities on at their home.
Even if you paid your creditors in full, every time
you apply for credit or even a job, you are haunted and
embarrassed by the left-over scars of late payments on your
You don't need a lawyer
to fix your credit.
You don't need a tax or
financial professional to fix your credit.
You don't need to pay
thousands to hire a credit repair agency.
EVERYONE NEEDS GOOD
Importance of Good Credit...We all know how
important credit is in our lives. Without credit you can't
rent a car, book a hotel, travel, borrow money, get a
mortgage? Need I go on? The list is endless, and I think you
get the idea.
have Bad Credit You Have to:
- Pay a higher deposit
for renting an apartment
- Pay a deposit for
using everyday utilities (cable, electricity and water)
- Pay more for insurance
(life, health, auto, home, boat etc.)
- Pay a higher interest
rate on automobile loans
- Pay a higher interest
rate on home loans
- Pay more for
Former credit bureau employee with over 20 years of
experience involving credit scores and credit repair shares
all secrets to raising your credit fast and permanently.
Don't Be One
of the Unlucky Americans That is Held Back by Banks and
Why Do Banks
of problems I used to encounter when working for one of the
main three credit bureaus could have been easily fixed
without much hassle.
The major reason why this is not done is because borrowers
with a lower credit score have to pay more to the bank.
Banks are not dumb and
this is not their first time dealing with a borrower when
you walk in the door.
Let's go step
by step through a regular loan process when you are
interested in purchasing a car.
out the car you want and you negotiate a price with the
explain you will be putting down "X"%, sign some
paperwork and the sales person goes into their back
office room and makes you wait for 30 minutes. He is
currently running your credit while also checking to see
if their dealership wants the debt or if they are going
to bring in a third party bank.
they want to use a third party bank. The bank
representative receives the fax from the sales person
and they look over everything on the application. After
running your credit they become aware that your score is
not considered "good" by their bank. A regular interest
rate of 5-6% for your car is now near 9-10%!
person goes back to you and you are forced to a make a
decision that might haunt you for the next 5-6 years!
Adding 4-5% to a car loan or any loan for that matter
will quickly add at least $70 to your monthly car
Now back to
the bank, they know you are going to pay 95% of the time and
if you don't they can take their car from you for almost no
cost to them to resell. When they review your credit, the
bank representatives can pick up these "errors" on your
credit report that have dropped your score. They know they
are errors but if they lock a higher rate for your car loan
they are getting a bigger commission while the bank is
making more money (almost an extra $1,000/year in this
instance) So why are
they charging this high rate? The simple answer is because
How Can Banks
Do This? Aren't There Laws to Protect us?
practice like this because they use your credit score as the
reason for everything.
He is paying a
higher rate for his car loan because of his credit or she
has to put down more for that house because of her credit.
There is only one party that benefits during this process
and it is the banks! Since all banks are in business to make
lots and lots of money and provide nice returns for their
shareholders, the average American is left holding the bag.
Yes, there are
laws in place to protect honest people just like you from
not getting caught up in this mess but, you have to know
what to do and how to act. These laws put in place require
the credit holder to contact the bureaus directly.
THIS IS WHY PAYING
FOR A CREDIT REPAIR SERVICE DOES NOT WORK! Since
credit bureaus work directly with banks all day they are
kept in business by banks, they are not going to fix the
problems for you just to be nice. However,
they are required by
law to change/update this information once they have been
made aware of
it directly by the credit holder.
I Supposed to Know This?
You're not! If
this was supposed to be a known subject, banks and credit
bureaus would run classes, print literature and post this
information online trying to explain why and how to
build/fix your credit. O yeah I almost forgot, if they did
that they would be out of business!
Americans have supposedly "Bad Credit," that is about 1/3 of
Americans. So if this is true how are banks in business? If
they have "true" bad credit, then 33% of people must not be
paying their bills. If this were true banks would be out of
business! Banks can only afford to have 4% to no more than
6% of their loans go bad and still stay in business. Don't
believe me? Over 150 banks have gone out of business in
2004-2008 alone when only 5% of people stopped paying their
mortgages during the sub-prime mess.
What Does This
It proves that if 33% of
people were actually not paying their bills then how are
banks in business?
There is a
window of 27%-29% of people today in the US that ARE paying
their bills ON TIME but still have bad credit!
Don't Be One
Of These People.
How Will This Credit Repair
Kit Save Me Money?
What will an extra 100-130
points on my credit score do?
You have a $15,000 credit
balance that you are planning on paying off in 5 years.
Interest Rate: 22%
Monthly Payment: $414.28
Now, you have the same
$15,000 credit balance that you are planning on paying off
in 5 years. Lets say you only cut off 8% from your credit
card interest rate.
New Interest Rate: 14%
New Monthly Payment: $349.02
You have just saved
over $65/month or over $3,900 during the lifetime of the
You have a $185,000
mortgage that is fixed for 30 years.
Interest Rate: 8%
Monthly Payment: $1357.46
Now, you have the same
$185,000 mortgage that is fixed for 30 years.
Lets say you only cut off
2% from your mortgage interest rate.
New Interest Rate: 6%
New Monthly Payment: $1109.17
You have just saved over $248/month or over
$89,000 during the lifetime of the loan!
Should I Use a Law Firm and
No, No, No
These law firms and so called credit repair
agencies always used to cause the credit bureau I worked for
much trouble. Trust me, you don't want to make trouble for
the people who hold your future in their hands. These so
called agencies would charge a person with bad credit
thousands of dollars for sending out a few letters and they
never guarantee anything.
The letters they send don't create trouble
for the bureaus but when they start placing your bad credit
score with different people who have good credit scores
which makes trouble and causes confusion. Honestly, this
method used to work but the bureaus caught on late in the
1990s to what was happening and they starting penalizing the
persons involved. Who knows how bad they are punishing
people today who still use these tactics to fraud the
bureaus. Protect your privacy and don't divulge your
personal information to some stranger who will do who knows
what with it.
This kit is very straight forward. My
program includes over 500 pages of reference materials to
answer any and all questions surrounding credit. It explains
how scores are calculated, exactly how many points a
particular action will add or subtract from your score, how
to add 40 points to your score in under one hour and much
much more. You do not have to read the whole book just scan
the table of contents for your troubled spots after
reviewing your credit report and start fixing!
I have included over 20 prewritten letters,
just add your name, date etc. and print. Each letter
represents a different common problem that can be corrected.
So if you have 4 problems on your credit report you can find
the corresponding letters that needs to be quickly edited
and sent to the bureaus.
Don't go another day with bad credit. Bad
credit is big business for all types of banks and lending
institutions that make millions each month charging you the
card holder more money. If it is higher rates, late fees,
application fees, deposits or setup fees, the bank gets the
money from your pockets to theirs.
quickly and permanently fix your credit when using my tested
and proven credit repair program!"
Why Do I Need This Kit to
Fix My Credit?
This is a very good questions especially
with so many different competitors on the market and
internet today, persons searching to improve their credit
can feel overwhelmed with the choices. You want to repair
your credit, you don't want 20 different ebooks on all
different subjects that have been pasted for years all over
the internet. We provide a proven and tested system that
will repair your credit, that is a fact! There is no
question in my mind that it will work for you since it has
worked for nearly 50,000 other persons in your same
Anyone can type up information into a few
pages and sell it to people over the internet and never
speak with them again. Our system is a program and a course
with support that is provided by
myself and my staff for the length of time it
takes you to improve your credit. You can rest assured that
credit will be increased to a healthy level within months,
not years. What do you have to lose? We offer a 100%
money back guarantee on all of our programs if you are not
Many people will email and ask if they can
do this by themselves without my help and my answer is a
honest, yes. You can fix your credit by researching, writing
and sending letters. It will probably take you hundreds of
hours full of research and writing to raise your credit
while taking an additional year or two for the credit
agencies to make any changes. Is this worth it? Do you want
creditors calling you for money for the next 2 years? Of
Don't waste another second wondering what
to do. Click below and start your way to a better future.
"I just purchased my
credit kit and (within) 2 days I was able to erase my Ex's
delinquent credit card from my report. Thanks Richard and
Chantal Rodican -
"Rich, honestly we were
a little skeptical about this program but I received the
information and I was emailing back and forth with Nick in
your office and we finally got off the main killer on my
credit report. I think my report should go up by atleast 30
points." many thank yous from myself and my family. PPS Nick
was very helpful."
Andy Brown and Family -
San Jose, California
"Great. Great. Great.
Keep up the good work. I just applied and was approved for a
$10,000 unsecured loan!!!!!!" Please put this on your
Luis Colon - Columbus,
"I can't express to you
how helpful this information has been. Thanks a million."
Monique Patrick -
Newark, Jew Jersey
first let me tell you this is the second time i've contacted
you for advice, and i hope you respond as quickly and
positivly this time as before. ok, i wasn't sure i believed
the hype with your credit repair, so i only wrote to trans
union to start. i am challenging 4 accounts with late
payments, 2 paid collection accounts, and numerous
inquiries. will you believe that with the very first round 1
collection account and 2 late payment accounts were
"...did i mention my credit score raised 67 points in the
first round?" your the man"
Jeremy Black -
"Rich, I bought your
course yesterday and today I erased two outstanding "bad
debts" totaling almost $10,000 from my report. There were
not mine and I did not know how to proceed. I have just
saved myself thousands.
Please tell people what
I have learned in the past 24 hours:
1. Take Rich's advice
2. Don't be overwhelmed
3. Take it step by step
and be patient...it works"
Debra Howell -
"Premium, I have a weird
one for you. I was disputing a late charge on my equifax
report for a radio shack card that I have, well I got
back the results a couple of days ago and they actually took
it off my credit report my score went up 100 points. Have
you ever heard of that in one shot?"
Mike Valley - Liverpool,
1st eMail: "Richard,
Hello, I purchased your book online back in December of
2004, and I just wanted to take a moment to personally thank
you, this book has been a salvation, I read it from top to
bottom, and have been going through the steps as you have
laid them out. When I first started and ran my 3 bureau
report on Dec. 27th. I was in shock at just how bad my
credit was, to give you and idea was Equifax score was a
554…. I am currently on my third round, and getting ready
for my 4th in a couple of weeks…. So far, I have got my
Equifax score up to a 667… and my TransUnion is up to a 611,
my Experian score is unavailable due to my disputes, but I
am confident it is up in the mid six hundreds as well……
Also, I have been able to remove a lot of bad entries in
each of the 3 bureaus reports…..."
2nd eMail: "Richard,
Again, thanks for the help, your book is a life saver, just
ran my 3 bureau report again, Equifax is up 3 more points,
and Transunion went up 13 more points. Also, got a letter
from Chase that we extremely polite saying they received my
letter from the Attorney Generals office, and will look into
the matter immediately, hopefully this will get that one
gone as well.
Any luck on the new book, I am dying to read this one to see
what new info you have put together.
Again, that’s a million."
Brett Callucci - Wilmington, DE
If you have a story you
would like to share after purchasing our program please send
us an email.
We give away free credit reports to customers who send in a
What is Included With This
Credit Repair Kit?
This is The Information That The Credit Bureaus Don't
Want You To Know.
The information here will CHANGE YOUR FINANCIAL LIFE FOR
THE BETTER. Curing the credit plague is a science. All
you have to do is learn it and apply it...And never look
back. Once you understand what the credit bureaus are saying
about you to anyone who inquires, it is time to take action.
This kit will show you exactly what to do.
You will learn:
- Step by step approach to quickly and easily removing
negative entries from your credit report.
- How to make the credit bureaus take you SERIOUS!
- How to deal with responses from the credit bureaus.
- Exactly what you need to return your credit to a
shining "A" rating.
- That your credit score is harmed when you close a
credit card account and how to avoid this.
Getting New Credit and Building Up Existing Credit:
- Easy techniques of manufacturing good credit
for your report
- How rebuild and add new credit to your report
- How to get positive credit to quickly show up on
your credit file
You Will Discover:
- How to get your credit report for FREE!
- How to make reading your credit report a breeze!
- Key facts about bad credit.
- The inside secrets to repairing your credit rating.
My Credit Repair Kit Will Include and Explain:
- Solutions to bad credit
- Structure of social security numbers
- Scoring for credit
- The credit system
- Credit card insights
- Six credit card secrets bank's don't want you to
- Establish AAA credit in 30 days
- The lure of bankruptcy
- Bookkeeping made simple
- Stop collection agencies in their tracks
- If someone owes you money
- Your consumer rights
- The free credit card trap
- How to get free rent
- Improve credit by paying bills later than sooner
- Signature loans
- Wipe out debit without bankruptcy
- Winning the credit card game
- Obtain a $800 loan by mail interest free
- Secrets of credit repair
- Guerilla tactics for a good credit score
- Remove legitimate bad credit
- Federal credit laws
- Legal ways to get the bill collectors off your back
- Choosing a bank that is right for you
- How to make money with business financing
- 50 ways to cut costs
- Nine ways to lower your car insurance
- Raise instant cash - guaranteed
- Consumer rights
- Divorce and credit
- Credit repair companies
- Skip tracing
- Collect business debts
- Secrets of the rich
- Choosing and using credit cards
- Fair debt collection
- How to dispute credit errors
- Managing debts (and sleeping at night)
- Ready, Set, Credit
- How to get less junk mail
- Over 20 pre-made credit bureau letters
- FREE SUPPORT FROM MY STAFF
AND MYSELF, UNTIL YOU HAVE RAISED YOUR SCORE ATLEAST 100
- And more! Over 450 Pages!
My Government Grant Book Will Explain:
- What Government grants are
- How to write a grant proposal
- How to get your share of free money
- Federal programs by type
- Government services
- How to find more grant publications
- State grant programs for each state
- The top 100 grant programs
- Other federal programs
- Low income assitance
- Veteran's assistance
- Artist humanist programs
- Substance abuse programs
- Handicapped programs
- Small business assistance
- Minority assistance
- HIV / Aids Programs
- Employment / Development / Training
- 600 Pages of Information!
There is so much information, I could not possibly list
it all here. What you have just read is only a small sample
of the CRUCIAL information that you will get in our new kit. If you're thinking about restoring your credit rating you
kind of straight up information. If you want to save time
and money, avoid mistakes and possibly disastrous situations
and learn the insiders' secrets that others wish they knew
BEFORE they approached the credit bureaus, this information
If you want to order, we insist you do so entirely at our
risk. That is why this kit comes with a…NO RISK, 100%
Unconditional Money-Back Guarantee. There is absolutely NO
RISK on your part with this 90 day 100% Money-Back
Guarantee. What we mean is that we want you to order without
feeling you might "get taken." Therefore, we want you to
order this material today…read it, use it…if for any reason
you aren't completely satisfied, simply return it for an
immediate refund of your purchase price.
GUARANTEE that this kit, letters along with the books will be
the best, most informative few bucks you have ever spent on
improving your financial situation OR YOUR MONEY
BACK! No questions asked!
The Complete Credit Repair Kit
The Complete Credit Repair
and Government Grant Book