37 Days to Clean Credit: Step By Step Credit Repair Guide
Here's My _True Story_ of Exactly How I Did It, How This
Step-by-Step Guide Works, and How You Can Put It to Work For You.
Print this Page
FROM: Chris Brisson
DATE:
Dear Friend,
You about to learn the _'little known'_ secrets of the _TWISTED_
credit repair industry and exactly how I legally played by the rules
to boost my credit 135 points in 37 days.
What I have to say in this document is very important. So I want you
to turn off your phone, print out this page, and sit in a comfortable
place to read this entire page. It's that important...
Print this Page
But before we go further, we need to set the record straight.
We're only at the beginning of this letter and you've seen a huge
leap in my score and many deletetions. And if I were you, I'd be
wondering ...
Is This A Bunch Of Hype?
And you're absolutely right to ask that question.
Look, if I wasn't the guy who first hired a credit repair agency and
lost money, read tons of books on the subject, talked to many experts
in the industry, and raised my own score, there's no way I'd believe
it was true. In other words, I know how you feel.
So let me dive right in to how I first got into this mess and world
of debt and credit debauchery.
I'm going to break it all down for you when I first got my credit
card, and my first experience in college. _(Sorry I won't be talking
about the crazy parties at FSU.)_
Let's begin.
It all started back in 2000 when I arrived at Florida State
University with a car full of clothes, a Dell computer, and a blanket.
I wasn't too prepared, but it didn't really matter.
I was 19 at the time and fresh into the world. My thoughts of
college before I arrived were only from what my brother said and one
of the greatest movies of all time - Animal House. To my surprise, FSU
was Animal House. Well, my fraternity house at least...
I ended up sleeping at the Sigma Phi Epsilon fraternity house for my
first semester. A crazy place to say the least. As a pledge you have
to do some pretty stupid things, but my first stupid thing was to
raise money for the fraternity and here's where I got...
My First Credit Card
My first week as a pledge our fraternity president, Mark, had us go
out and raise money for a new fence we were going to put up.
Our fundraising tour was to go and hand out credit card offers. We
were to go out and have anyone who could fog a mirror sign on the
dotted line for a credit card. For every application we got a whopping
$2.
That can add up when you have 80 guys annihilating the campus with
flyers and promises of kisses for an application. We would do anything
to make that $2.
When it was all said and done, I traded 2 kisses and brought in 5
applications. I had raised $10 raised!
Not to mention - I filled out my first credit card application!
... 12 days later I had $500 at my disposal - the plastic that would
set me free!
Yeeeeee-Haaaawwwwww!!
I was going out, buying food, college books, "Chubby Boxes" (chicken
tenders and rice. A FSU favorite), Taquito's at Whataburger, and
putting everything on my credit card.
1 month later ... I raised my limit to $1,000.
No problem I thought. I had a job so it was no worries. I mean
Hungry Howie's pizza was paying me $0.50 per delivery PLUS tips... I
was bankin'!
Yea Right!
5 Months later... $5,000 limit
My credit card was my life. It was the only thing keeping me alive
besides the late night pizza from Gumby's. I was the perfect candidate
for the credit companies - the ideal credit card leech.
During this time I had started a company in my college apartment
room and needed the cash. What better place to turn than to your
credit card.
4 Years Later ... I was $7,523 in debt an a credit score that looked
like Grace Jones on a good day - it was bbaaaddddd.
"You've Been Denied!"
Those were the three famous words I would always get in the mail or
over the phone whenever I applied for a credit card, gas card, a loan
... pretty much anything. There was one instance not too long ago
around Christmas time in 2006 where I applied for a Banana Republic
Card in front of a crazy hourde of buyers ready to checkout.
The young girl asked, "Would you like to get a 20% discount on your
purchase?"
I said, "Sure. But do I have to fill out an application? (I knew my
credit score was shot and I'd be denied instantly)
She said, "Yes. I think you'll pass, I've never seen anyone get
denied."
I quickly shot out, "Well, my credit is terrible. I know I'll get
denied. Can you just give me the 20%?" _(Can't hurt to try)_
She said, "Haha. No I can't. Why don't you go ahead and fill it out.
you have nothing to lose."
... So I did
I Was Denied - Once again.
In front of at least 40 people. It's not a pretty sight. It was
embarassing to say the least. I felt like a a dufus. I thought to
myself, "I know I'm a good person, I have a company, I make money, and
make my payments. How in the world can I fix this problem."
At that embarassing moment, my mind was made up ... I was going to
clean my credit.
Boom! I was on a mission to clean up my credit. The new year was
coming around and 2007 was going to be a great year. I thought,
"Finally, a year with clean, perfect credit!"
So there I went, on a mission to clean my credit.
I asked myself, "How can I clean up my credit report?"
I knew there were credit repair agencies, but always thought these
were scams. A friend of mine told me that her agency cleaned her
report and deleted some late pays. I had no idea on how I could do it
myself so I decided to give this guy a try.
This guy had an accent. He was from Brazil. His voice, very rough
like this has been his 5 job in the last year. But a guy I heard some
good things about... well 1 good thing, a supposed removed late pay.
So I talked to this guy, for 15 minutes and instantly handed over my
money. He was good. He made me feel comfortable - kinda like in the
stock market boom. I wanted to invest thousands with this guy. I
thought...
"Cool. My credit will be good in a couple of months and I'll be back
in action."
or so I thought...
I Was Scammed!
It didn't happen overnight but over 4 months. I had wasted 4 months
of my time, $300, and my credit was still the same the day I got
started. I was frustrated!
Think about it...
What credit repair agency is going to go out of their way and spend
extra hours for $25, $50, or even $100 a month to clean YOUR credit.
NO ONE!
Credit Repair Scams
Here's what Eileen Harrington, Deputy Director of the FTC's Bureau
of Consumer Protection had to say...
_
