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HAVE YOU BEEN HARMED BY YOUR BAD CREDIT?
HAVE YOU BEEN THE PREY FOR CREDIT BUREAUS BECAUSE OF; LATE
PAYMENTS, FORECLOSURE, AUTOMOBILE REPOSSESSION, DENIAL OF CREDIT OR
EVEN BANKRUPTCY?
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
FOR LESS THAN $60!
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 never ending. After seeing
this over and over, I started to do some research on how and why these
people were having such trouble. 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
[1] 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
public.
Please read below and make the decision for a better life!
Sincerely,
Richard Mullins
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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.
FACT: You can quickly restore your credit rating...And with the
right information, it's something you can do for yourself, quite
easily.
FACT: 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.
FACT: You can get a credit card even with bad credit, GUARANTEED!
FACT: Most Americans with credit problems will need to get a second
job in the next month just to keep utilities on at their home.
FACT: 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 credit rating.
FACT: You don't need a lawyer to fix your credit.
FACT: You don't need a tax or financial professional to fix your
credit.
FACT: You don't need to pay thousands to hire a credit repair
agency.
FACT: EVERYONE NEEDS GOOD CREDIT!
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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.
When You 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 EVERYTHING!
_______________________________________________________________________________
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
Credit Agencies
Why Do Banks Do This?
The majority 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.
*
You pick out the car you want and you negotiate a price with the
sale person.
*
You 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.
*
Lets says 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%!
*
The sales 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 payment.
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 they can!
How Can Banks Do This? Aren't There Laws to Protect us?
Banks can 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.
How Am 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!
110 million 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 Prove?
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?
Scenario #1:
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 loan!
Scenario #2:
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!
[2]
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Should I Use a Law Firm and Pay $800-$1500?
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.
"You can quickly and permanently fix your credit when using my
tested and proven credit repair program!"
[3]
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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 position since 1999.
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 FULLY
SATISFIED!
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 course not.
Don't waste another second wondering what to do. Click below and
start your way to a better future.
[4]
_______________________________________________________________________________
Testimonials
_"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 comp."_
_Chantal Rodican - Bridgeport, Connecticut_
_"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
website._
_Luis Colon - Columbus, Ohio_
_"I can't express to you how helpful this information has been.
Thanks a million."_
_Monique Patrick - Newark, Jew Jersey_
1st letter_:_ "hi Rich,
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 removed."
2nd letter_:__ "...did i mention my credit score raised 67 points in
the first round?" your the man"_
_Jeremy Black - Belleville, Michigan_
_"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 - Littleton, Colorado_
_"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, NY_
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
