Former Credit Reporting Software Executive Reveals...
The One Thing You Should Do Today To Start Boosting Your Credit Scores . . .
. . . Quickly and Legally WITHOUT Paying Attorneys Thousands of Dollars!
I’m sure that you felt that “feeling” before. You’re at the car dealer and spent a couple of hours picking out the car that is perfect for your needs. You’ve reached the point of the negotiation where you finally say “let’s write it up”. At the point, the salesman says . . .
"I just need to pull your credit . . ."
Does this give you a sinking feeling full of anxiety? Or perhaps you have not even gotten this far since you already know that you have bad credit and as a result you know that you cannot obtain financing, or financing at a favorable rate?
Having bad credit can cost a consumer hundreds, and even thousands of dollars per year.
If you have bad credit, you could be paying:
$1,500-$5,000 more over the life of your car loan$50,000-$150,000 more over the life of an average home mortgageHundreds of dollars more per year on your credit card purchases
Many employers also pull the credit of prospective employees. So, not only is your bad credit costing you thousands of dollars and limiting your ability to obtain credit for needed purchases . . . bad credit can actually keep you from getting your dream job!
This creates a frustrating cycle that makes it difficult for you to gain financial health and independence. In short, your bad credit is costing you more than high interest rates. It’s holding you back from having the piece of mind and lifestyle that financial freedom and security can bring.
What Can I Do About It?
I’m sure that you have seen many products claim that they miraculously help repair your credit . . . many of them at very expensive monthly charges.
The truth about many of these products and services is that many of them don’t work and if it’s a service that you are paying monthly . . .
They Get Paid More the Longer They Take
Many of these companies are full of false promises and of creating false hope. What is there was a step-by-step system that you could follow that could dramatically improve your credit score - a system with a PROVEN track record that you could do yourself with no monthly service fee?
Would you be interested in learning how to do any of the following?
Dramatically improve your credit score in
as little as 30 days without expensive monthly service chargesA step-by-step system created by a former executive of a credit reporting software company who knows the Insider Secrets of how all three credit reporting agencies workPrewritten dispute letters that deal with all different types of credit as well as all the various responses from the credit bureausNumerous tips, secrets and strategies . . . and much, much more
Allow me to introduce myself. I’m Bryce Blackberry. During my over 5 years as an executive of a credit reporting software company, I learned the ins and outs about credit reporting and how the credit bureaus work and report information.
After my tenure at this company, I personally experienced some financial difficulty when the company that I was working for started reducing pay levels and then missing payroll altogether.
At the same time, the revenue of my wife’s business, which had previously been successful, dropped over 40% - mostly due to the downturn in the economy.
During this time, my credit and my wife’s credit were significantly affected. As money got tight, we started to experience some late payments. With the tight job market, I was forced to take a new job in another state (a 12 hour drive away).
After months of unsuccessfully trying to sell our house, we were unable to sell our house, in which we were significantly underwater. After 9 months of living apart from my wife and young children, we made the decision to leave the house and move the family to where my new job was located so we could be together again.
Fortunately, about 6 months after the move, the bank did accept a short sale offer on our home. We were very thankful to be able to move on, but the missed mortgage payments along with the short sale “settlement”, and other late payments did have a huge negative impact on our credit.
This was new territory for me as I had always been extremely careful in trying to maintain a good credit rating. However, things happen and you have to move forward the best you can to pick up the pieces.
How I Leveraged My Experiences as an Executive at a Credit Reporting Software Company
First off, I do want to say that I believe that the best way to maintain a good credit rating is to use debt responsibly and to make sure to pay your bills on time. However, as with my story, there are many reasons that this becomes difficult, especially in tough economic times.
On the flip side, I also believe that our financial system has become overly dependent on making decisions primarily based on credit scores.
Having a bad credit score makes it difficult and more costly to provide the basic necessities to your family. Things like renting a home, turning on utilities, buying or leasing a car, etc.
After much difficulty establishing my family in their new location because of credit issues, I was determined to do what I can to improve my credit scores as quickly as I can.
I decided to use my experiences working at the credit reporting software company as a basis for developing a system to improve my own credit score and history.
After 3 years of drawing upon these past experience, trial and error and hours of research, consulting with consumer rights attorneys, and learning the Fair Credit Reporting Act (FCRA) inside and out – I was able to develop a repeatable, easy-to-use, step-by-step system to help others take control and improve their credit situation as well.
How Well Does It Work?
This system works so well that I was able to adapt it so others can use it. I’ve shared this system with numerous friends and family who have been amazed how easy and quickly this system worked for them. In fact, I will share my actual results with you in a few moments.
But first, how does this system work?
Let’s get to the serious business of improving your credit score and learning how my system works. The Fair Credit Reporting Act is a federal law requiring that all the information in your credit report must be 100% accurate or it must be deleted.
With that being said, we simply follow 3 steps to get started:
Obtain a copy of your credit report from all 3 bureaus - FOR FREEIdentify any negative information on your reportDispute the accuracy of the negative information on your credit report with all 3 bureaus
The Bureaus Must Prove It Or Remove It!
After you’ve completed the 3 simple steps above, the credit bureaus have 30 days to prove the accuracy of the negative information on your credit report.
If the credit bureaus cannot prove the accuracy of your negative information within 30 days, they are required by law to delete the information. Once this negative information is removed, your credit scores will go up significantly.
Here’s the catch though, the credit bureaus are very efficient at handling disputes so you must know specifically how to dispute the negative items in order for these simple steps to work for your credit situation.
Don’t worry . . . I have good news! My Better Credit System will provide a step-by-step system that will work for you, no matter what your credit report looks like.
The Better Credit System includes the following:
- How to get your credit reports from all three credit bureaus for FREE each year.
- What you can do improve you credit score starting on day one of using the system to start improving your credit score.
- Tips, tricks and secrets to get the credit bureaus to respond to your requests quickly and in a positive manner.
- And much, much more . . .
Start Improving Your Credit Now!
Click the link below to complete your order and get instant access to The Better Credit System. For a limited time, you can get the complete system for only $47.
[Click Here to Complete Your Order and Get Instant Access]
My Personal Results From Using The Better Credit System
As a result of creating and using the Better Credit System, my credit score is now in the mid 700 range and it is still continuing to increase. This good credit score was not always the case. Before experiencing a financial hardship, I was always very careful to try to keep my debt ratios reasonable and to make sure that all bills were paid on time. These simple things worked well and kept my credit score in good order.
… then financial disaster hit and my credit score ended up bottoming out at around 469. As promised, let me share with you my personal results. But first, just how bad is a credit score of 469? Well, most lenders generally consider anything under 620 to be a bad credit risk. Anything below 620 makes it difficult to secure any financing or even open a new utility account without putting down a big deposit or paying high interest rates.
So does this mean that we are done with improving your credit once you reach 620?
Absolutely not . . . lenders reserve their best interest rates for consumers that they consider to be the best credit risks.
The chart below from Informa Research Services shows the effect that having a higher credit score can have on interest rate and ultimately monthly payment.
Simply put: with a higher credit score, you can get more for less.
Ok, so back to my personal story. As mentioned, when I developed and started using the Better Credit System, my credit score was 469. This is off the grid terrible.
At that time, I had 8 credit lines with derogatory information. Within the first 30 days, using the processes developed in the Better Credit System, I was able to get 3 of these removed.
The removal of these items immediately increased my credit score to around 548. A nice start with almost an 80-point increase on my credit score in the first month. This is certainly a good beginning, but a credit score of 548 is still considered a bad score as 5 negative credit lines remained.
This is the point where most credit improvement efforts end, but the Better Credit System now kicks into high gear. Following the process in the Better Credit System, I was able to get the following results within the next 30 days.
As you can see, two more negative credit lines were completely removed from my credit report. If you remember, there were originally 8 negative items and now we are down to 3. These improvements got my credit score to the low 600s. Obviously a big improvement (around 160 points) and borderline being able to qualify for many loans and services, but there is still a lot of room for improvement as 3 negative items remain.
So I continued developing the Better Credit System, modifying the process at each step.
After approximately another 30 days, I received the following results:
As you can see, another negative item was removed. Now only 2 of the original 8 negative items remain resulting in a credit score around 649. Now well above the 620 and climbing to allow me to start qualifying for better interest rates. This represents a 200-point increase after only about 90 days.
The Better Credit System was developed to let you continue on the road to credit improvement. As shown, only 2 of the original 8 negative credit lines remain, but lets proceed. My results around 30 days later were as follows:
Wow, another item was removed leaving only 1 negative credit line remaining. 8 negative items are now down to 1 remaining. This latest effort increased my credit score to 668. This is a pretty solid credit score and qualifies you for loans from many top lenders at favorable rates.
The above demonstrates my personal results when developing and utilizing the Better Credit System. Many other people have already utilized this system to get great results on their own. Everyone’s financial situation is different and individual results may vary, but the system was designed to be flexible and accommodate a wide variety of financial situations. It is extremely important to note that during the period shown above, all bills were paid on time and continue to be paid on time. Paying your bills on time remains the single most important thing that you can do on an ongoing basis to keep your credit score in good order.
Get The Better Credit System Now!
Click the link below to complete your order and get instant access to The Better Credit System. For a limited time, you can get the complete system for only $47.
[Click Here to Order Now]
Limited Time Special Offer
The Better Credit System is a complete step-by-step system that includes everything you need to improve your credit score starting today. However, I want to make sure that you have access to every possible resource available to assist you in your efforts.
For a limited time only, I will provide the following three additional bonus items FREE with your purchase of The Better Credit System. I am not sure how long this offer will be available so take advantage of this offer before I decide to take it down.
If you act now, you will receive the following items:
The Better Credit System
The Better Credit System is a complete credit improvement system developed by a former credit reporting software executive. This system provides easy to follow, step-by-step processes developed to get quick, maximum results. The system combines insider understanding of the internal working of credit reporting agencies along with in-depth knowledge of the Fair Credit Reporting Act.
FREE Bonus Item #1: Sample Dispute Letter Pack
The Sample Dispute Letter Pack provides actual letters that can be used for your corespondence with the credit bureaus. These letters have been reviewed by consumer rights attorneys and have a successful track record of helping generate quick results.
FREE Bonus Item #2: 79 Tips to Improve Your Credit Score
This excellent resource provides a comprehensive overview of the inner workings of credit reporting agencies, how your credit score is calculated, and 79 tips to improve your credit score. This 48-page book is an invaluable tool to help you on your journey to improve your credit score as it provides the insights and tips that you can start implementing today.
FREE Bonus Item #3: How to Protect Against Identity Theft
This excellent resource provides an overview of the evolution of identity theft, a comprehensive guide on steps and strategies you can take to help prevent identity theft, and what you need to do in the event that you are a victim on identity theft.
All this for only a small one-time fee of $47. . . no hidden charges, no recurring monthly fees. . .
It's really like the start of a new life for most people!
But here's the best part...
I've decided to make this offer completely risk free with my...
Unconditional 60-Day 100% Money Back Guarantee
Perhaps you're thinking... "What happens if this wasn't for me... or I don't like your program... Or I just want my money back... or if it for some reason doesn't work for me?"
What's so great about this offer is that you are not going to risk anything anyway. I'm so certain you'll be happy with this program that I'm willing to personally take all the risk ...
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The results shown above are actual results. For privacy reasons, Bryce Blackberry is an alias ("pen name") for the real author. Individual results may vary.
If you need any help, please contact us at [support@bettercreditsystem.com]
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