Stop struggling to pay your bills and suffering by paying high interest rates because of a low credit score. Did you know...
Your Low Credit Score Not Only -
Stops You From Getting a Low Interest Loan...
But... Having A Low Credit Score Can Cost You Thousands In High Interest Rates On Credit Cards and Because Employers Check A Low Score Can
Prevent You Being Hired For A High Paying Job!
Now is the right time to improve your credit score -- simply by following the easy-to understand-credit score boosting steps you will find right here on this page...
From the desk of: James Fuhrmann
Re: People in need of credit help
Dear Friend In Need,
As you read this letter, you may be seeking help to reduce your debt, lower the interest you pay on credit cards and get approved for a lower interest rate loan for a car, or a home or for emergency expenses.
I'll show you how to easily boost your credit score, so you can... have a good credit rating that will allow you to get a loan when you want and need it and -- do it at a lower interest rate -- so you keep more of the money you work so hard to earn!
Do you worry about the fact that...
Thousands of people are losing their jobs all over the world and unemployment is on the rise
-- and you may be worried you could lose your job too!
Devaluation of the dollar is rocking our shaky economy -- and is causing rising fears of a global recession!
The money you make each day buys less and less -- so your hard-earned dollars don't go as far as they used to, preventing you from buying the things your family and you need.
People are cutting back what they buy, (not just luxuries) -- as disheartening consumer reports find people are cutting back on the quality and quantity of clothes, food and even necessities.
Crime in cities, towns and even rural communities is on the rise as people who have stopped looking for work now have turned to petty crime -- to get the money they need to survive!
If you think that this is bad, you're absolutely right!
The financial reports you hear on the news, radio and even on the Internet tell you that IT IS NOT GOING TO GET ANY BETTER ANYTIME SOON!
Because of all of this, you need to do everything you can to reduce your debt, and protect yourself and your family, by getting the credit help you need to -- reduce your debt and boost your credit score.
Almost everyone understands that you need a good credit score to qualify for a loan to buy a house, purchase a car over time, or maybe start up a new business.
But did you know that you might need a good credit score to pay for college tuition, get a good rate on insurance, or even be hired for that new job that you applied for?
Your credit score can affect whether or not you have to pay a deposit when you have the lights turned on in an apartment. It will be used to allow or deny credit cards, and be used to approve a monthly cell phone plan. It will determine what types of loans you qualify for, what interest rate you may have to pay, and how much credit you will be able to get.
The fact remains that you and your credit are linked to most everything you need to do to live today's fast-paced lifestyle.
If you've ever been turned down for a loan or had a credit card canceled you already know how true this is.
What you need right now is to be able to...
Secure a better (lower) interest rate on the credit card debt you currently have -- to lower your monthly payments.
Get the low interest loan you need for a different car -- because your old one is on its last legs!
Have an emergency plan to deal with a credit crisis -- if you lose your job or get sick so you can't work!
Want to buy a home or even rent a better apartment in a safer part of town so you can protect yourself and your family from increasing crime!
Pass the employment credit check with flying colors -- because your credit score is high and you don't have to worry about a low credit score preventing you from being hired for a better paying job!
You need a simple solution to fix your credit, boost your credit score and something that does it fast!
... There IS something you can do today to protect yourself, your family and your income and assets in the worsening economic crisis!
Introducing ....
Boost Your Credit Score In 30 Days Or Less!
Your future need not be all doom and gloom if you take the right steps to raise your credit score now!
This is NOT just something you may want to do; INSTEAD IT IS SOMETHING YOU MUST DO!
This downloadable book:
Custom written to help you BOOST YOUR CREDIT SCORE, and even CURE YOUR CREDIT PROBLEMS during these bad economic times.
Cuts to the chase and REVEALS WHAT THE CREDIT SCORING COMPANIES DON'T WANT YOU TO KNOW!
Gives you the simple steps to know how to check your credit score and do it for FREE! (AND WITH NO MONTHLY REPORTING CREDIT FEES!)
Provides you with A PROVEN PLAN for easily IMPROVING YOUR CREDIT SCORE UP TO 100 POINTS OR MORE IN 30 DAYS!
Discover the TRUTH BEHIND THE '10 SHOCKING CREDIT MYTHS" -- Credit Repair Agencies hide important things you need to know; like how to FIX YOUR CREDIT PROBLEMS YOURSELF! FIX YOUR BAD CREDIT -- find out what the negative accounts are that are pulling down your credit score and HOW TO REMOVE BAD CREDIT LISTINGS, ELIMINATE BANKRUPTCIES AND CHARGE OFFS from your credit history. REPAIR CREDIT PROBLEMS DUE TO IDENTITY THEFT AND FRAUD -- find out what you need to do to 'freeze your accounts' and HALT PROBLEM WITH SOMEONE TAKING OVER YOUR CREDIT!
And many more pages of critical credit related information you need to know!
My book takes you through the complete process from point A to Z, in terms of improving, repairing and rebuilding your credit score.
First, I tell you what a credit score is, and how it is determined.
In the United States every person over the age of eighteen has a credit score.
Your credit score is tied to and identified with your social security number. For a company or lender to access your credit report and score they must have your name and your social security number (SSN).
Then, I cover the three main credit reporting agencies, Equifax, TransUnion and Experian. I tell you how they rate your credit, what your score means and how different financial lenders evaluate your credit. The most popular and widely used credit score is called FICO score. FICO stands for Fair Isaac Corporation. Many believe this number to be the most accurate of the credit scores.
Different lenders and creditors use different scores to decide your credit worthiness.
FICO and the three credit reporting agencies compute their score in different ways. The formulas they use are proprietary to the company using each one, so there is no way to figure out a single, workable method to get the scores to match. This means your individual scores can vary significantly.
Your Fico Score Scale
In the United States the average credit score is about 740.
But scores typically range from around 300 to 850. You want the highest number possible. Here is a range of numbers and what this generally means to creditors:
720 to 850 = Excellent Credit Score
660 to 719 = Good Credit Score
620 to 659 = Fair Credit Score
619 to 300 = Poor or Bad Credit
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