Kris ran from the phone calls...from debt collectors. She ran...from the postman whose knocks on her door meant more debt collection letters. She ran from hopelessness...from bad credit...from misery.

Kris Could Run All She Wanted But She Couldn't Hide....

A fresh start in California...half a country away from the nightmare years....Kris and her boys accepted Kris' parents' invitation to return home to California to move in with them.

What a blessing, Kris thought. She could put the bad times behind her and get a fresh start. The good times were short lived, as her bad credit secrets escaped from the closet...when she least expected them.

Of course. That's always the way it goes. Right?

Her short-lived "escape" from bad credit demons returned to spoil what was supposed to be a celebration. Kris thought HR's invite was to give her a pat on the back to celebrate her job promotion.

Not so. Kris learned that employers, whether existing or prospective, employers can and do (increasing in number) pull employees' credit.

Kris didn't want to take time to fix her credit. Instead, she really wanted to pay somebody to do it for you.

Makes perfect sense. Credit repair is not fun. It's work. But it's rewarding work, especially when the result is worth so much...and not just money.

For years, our customers paid their hard-earned money to big and small credit repair companies, who promised to fix their credit. Some of these companies were even law firms...or that's what they company name indicated.

These same companies made 100% guarantees to remove bankruptcies, foreclosures, collections, tax liens, charge-offs, lates, etc. Without even reviewing the reports, they made these promises.

Guess What...It Was 100% Bull *%$#!

These big and small credit repair companies did not fix our customers' bad credit. By the way, when was the last time you got an attorney to write you a letter for $29.95 or even $99.95? Should you believe attorneys are fixing your credit?

Many insiders claim most credit "repair" companies outsource your credit "repair" overseas. How protected is your private (extremely sensitive) information (that is, your social security number, your date of birth, your address, your emplorer, etc) in other people's hands?

Should you have your most private (sensitive) information in strangers' hands?

Hard Lesson Learned #THREE: Credit repair companies do not fix bad credit. Avoid flushing your hard-earned money down the toilet and risking identity theft on top of it.

Listen to the Federal Trade Commission (FTC), when it states that a credit repair company cannot do anything for you (and your bad credit) that you can't do for yourselves. To this we'll add, once you learn what to do and how to do it, credit repair is NOT rocket science.

This is not about "finding" time; this is about "making" time! Fixing your credit is not just about stopping the debt collector's phone calls (all day, every day) and letters hand-delivered by your friendly mail delivery person.

Fixing your credit is also about hearing "YES, you're approved!" It's about giving yourself pay raises. It's about getting rid of the persistent phone calls and debt collection letters.

"I don't even want to think about all the money I wasted on insane interest rates, higher this and higher that...I know my improved credit cut my monthly house payment $653.43. That is incredible," said Kris.

Bad Credit Steals Your Hard-Earned Money!

Kris quickly discovered just how damn expensive bad credit is. She already knew she was overpaying for her security deposit, her insurance (auto, health, life, renter's/homeowner's) premiums, and her car payment.

"I couldn't even get a cell phone. I had to go with one of those 'pay-as-you-go' phones...I was way beyond humiliation," shared Kris.

Kris wasted her hard-earned money each month on outrageous interest rates and bad credit. Here's just one example showing the impact of damaged credit on a $20,000 car loan paid over 48 months.

Hard Lesson Learned #FOUR: Bad credit is not something anybody is born with..."stuff" happens in life. Stuff happend to Kris and many, many other people (82,000,000* and growing daily)...Kris then learned just how damn expensive bad credit really is.

*Source: Over 82 million Americans live with poor credit scores. According to the Government Accountability Office, many consumers are aware of the basics of credit scores, but they are not aware of the factors that can lead to a high or low score.

At the time, Kris didn't know about our lease-option program or she wouldn't have taken a "sub-prime home mortgage to buy her family's new home.

"Not until after I bought my home did I learn about a lease-option. It didn't matter, though...all I cared about was that I was able to buy a home...I actually fixed my credit enough to get approved for a mortgage. If you had seen my 'before' and 'after' scores, you would be thrilled for me too," stated Kris. "I was so happy to get financed (even with a high-rate mortgage)...I was so happy."

Naturally, Kris was even happier when she refinanced out of her "...high-rate..." mortgage, giving herself a $653.43 /month PAY RAISE!

Mortgage Amount	Interest Rate	Payment	Savings / Month
$420,000	9.99%	$3,682.70	$0.00
$420,000	8%	$3,029.27	-$653.43

**Reality Check** Don't forget, this is California we're talking about. A "starter" home in California costs $420,000. In many parts of California, one cannot even buy a home of any kind for $420,000. Though Kris had improved her scores, she had not improved them enough to ge a lower interest rate.

But hey, who's counting? An 8% rate is a whole lot better than 9.99%.

**Reality Check** Forget trying to get a mortgage with a *middle* FICO below 620-650. It's not happening today, even if you were desperate enough and not informed enough to know of a better way to buy your home. By the way, there is a better way to buy your home with bad credit, no bank qualifying & no big down payment. We'll get to that later.

"Of course, I knew I was overpaying for everything....when all you hear is "NO"...and I heard "NO" a bunch. At one point, I couldn't even get a cell phone. You see, I was thrilled to overpay. I overpaid for my car too. I know that. I faced that reality. I had to have to have a car. When you don't have the credit, you take what you can get," Kris added.

The following chart actually is better than most "buy here, pay here" car lots. It doesn't matter whether the chart is dead-on, high or low. The bottom line is that bad credit is damn expensive. How bad?

For a $20,000 car loan, the person with ugly credit--if he can get financed at all--will overpay $9,213.15 for the priviliege of getting financed. Wow.

Hard Lesson Learned #FIVE: The Big 3 (Equifax, Experian & Transunion) do not want you to repair your damaged credit.

The Big 3 profit off your bad credit. These private companies called the Big 3 are not eager to correct mistakes THEY make to your credit file.

Unfortunately, this is a serious dilemma.

Further, it is estimated 82 million Americans suffer from damaged credit (*Source: Government Accountability Office) and the recent foreclosure numbers guarantee more bad credit...more credit reporting errors...more time, frustration & money spent fighting and suffering from bad credit.

Irvine-based RealtyTrac Inc. reports a total of 446,726 homes nationwide were targeted by some sort of foreclosure activity from July to September 2007, up 100.1 percent from 223,233 properties in the year-ago period.

Your Choice Should Be A Simple One...?

You can stick your head in the sand and pretend you don't have bad credit and that bad credit is not hurting you.

You can pay a credit repair company anywhere from $29.95 a month to $4,000 to fix your bad credit. You may or may not get your credit fixed, despite their outrageous claims.

You can take charge of your situation by learning what you need to do to improve your credit, legally and finally.

We have met people who are in bad credit denial...they're still pissed at the world. We've met many people who have forked over hundreds, if not thousands of dollars, for somebody else to (try to) fix their credit.

Hard Lesson Learned #FIVE: "Take responsibility for your bad credit. Make the time to fix your credit. Don't think for one minute you can try to pay somebody else to do this for you," said Kris. "There is no quick-fix."

We agre, there is no quick fix, but there is a legal, effective credit improvement solution.

Get Your Own Credit Repair Bootcamp Now & Begin Fixing Your Own Bad Credit!

Our Credit Repair Bootcamp includes step-by-step, easy-to-understand audios, videos, reports & articles explaining how to fix (your) bad credit.

Kris and many other beta-testers have put this credit repair bootcamp through its paces. Finally, we're Throwing Back The Curtain And FULLY Revealing Our Proven Tips, Strategies & Techniques For Re-Building Your FICO...!

With our unconditional guarantee, our Credit Repair Bootcamp will:

Teach you to 'mine for deletions' to improve your FICO. Learn the most common 'tricks' debt collectors use to extend collection attempts and forece you to pay.

Show you why you should never pay debt collectors one penny unless you follow this
5-step process first. This is SERIOUS! Every day, we hear from people who try to do what's 'right'. They throw their money down the drain!

Reveal this secret 'MOV' stategy for forcing credit reporting agencies to re-investigate once they brush you off with 'verified as accurate' response letters. Ever wonder why those dispute letters you download off the Internet don't work?

Teach you how to keep debt collectors from harassing you. You have more rights than debt collectors have, even if you currently think you're alone fighting against these debt collectors. Learn how to stop debt collectors in their tracks.

Save you months of mistakes and inflated interest payments and settlements by learning how to establish or add good credit to your reports quickly and easily.

Teach you exactly why you should NEVER use dispute letters/templates downloaded off a website, even our website.

Save you $1,000s on your next refinance by teaching you what questions to ask when refinancing your mortgage with bad credit.

Teach you why you should never allow lenders to compete for your business...learn how competing lenders kill your FICO! Here's what you should do instead...it's easy and it's common-sense.

Help you re-establish your credit after a foreclosure or bankruptcy. It can be down right impossible if you don’t know where to start. Most people following foreclosure or bankruptcy do the opposite of what they should do to re-establish credit.

Alert you to this epidemic. You must avoid identity theft at all possible costs. Read our detailed report titled, "How One Small-Town School Teacher Gets Slammed With Big-Time Identity Theft" -- you must read this report!

Teach you why you should buy your first or next home using this secret-buying strategy for saving YOU $1,000s and protecting your FICO in this buyers' market. Learn 10 reasons you should not buy your next home the 'traditional' way.

Teach you how to add your on-time rent & utility bill payments to your credit file -- Learn which credit reporting agency allows you to report your on-time monthly payments and credit bill payment history. The Big 3 report only a portion of what they should.

Airline Pilot Overcomes Credit Issues By Leasing To Own Dream Home! "This is a testimonial to the power of positive thinking.... We had both come from very bad divorces, which left us with bad credit and debt. We found (a home) we loved and made an offer, bad news; our credit would not stand the scrutiny of a primary home mortgage. Alternative financing was harder to get and even more costly for a mortgage.We were devastated. How were we ever going to get out of renting? Ken & Adriane Pellegrino Clermont, Florida YES, I Want To fix my bad credit and buy my home using the lease-option. "I have Read and Agree to the Privacy Policy, Terms Of Service & Disclaimer." Normal price $79.95. *Not in effect yet.* Buy now to lock in the current low introductory price of $29.95 (BIG discount) ***Only $29.95*** Transaction Processing Plus GET These Incredible Bonuses: Purchase now & get access to these incredible free special bonuses: Bonus #1: You Really Can Buy Your Dream Home Today With (Good) or Bad Credit, No Bank Qualifying & A Low Down Payment! (retail value: $19.95) Bonus #2: (VIDEO) Part ONE - Explode Your FICO: How To Score Deletions Overview? With real credit repair, you must utilize 100% legal and effective stategies In this powerful 3-part video series, we "SHOW" you how to improve your credit. Even if you have legitimate bad credit accounts, you legally can score deletions. (retail value: $79.95 set/3) Bonus #3: (VIDEO) Part TWO - Explode Your FICO: Say Hello To A "Friend". Don't sit back...don't grab the popcorn...and don't grab for the remote. This lesson begins your credit repair journey. You will learn where to get FREE (no gimmicks) copies of your credit reports...how to "see" your reports...and how to think strategically about improving your FICO. Absolutely do not just fire off a bunch of dispute and debt validation letters. (retail value: $79.95 set/3) Bonus #4: (VIDEO) Part THREE - Explode Your FICO: It's Time To Score Deletions! Learn how to "mine for deletions!" In this video, we show you exactly how to score deletions using two real-life bad credit accounts, one big and one small. We walk you through the exact steps. We show you how to think strategically about bad credit. ...how to use Federal Law to your advantage. ...how to mine for deletions. ...and how to use Statute of Limitations to your advantage. This video is pure gold. (retail value: $79.95 set/3) Bonus #5: AUDIO: 10 Questions You Must Know About Your Mortgage Before It Explodes …! (retail value: $19.95)   Bonus #6: WARNING: Before You Lose $169,116.81 On Your Next Home Mortgage, Read This Special Report! (retail value: $29.95)   Bonus #7: Read Now! How One Small-Town School Teacher Got Slammed With Big-Time Identity Theft & How She Fought Back! (retail value: $29.95) Bonus #8: 30-Day FREE Trial Membership in our members-only club. Inside our club, you will receive tons of valuable step-by-step and easy-to-understand help with fixing your bad credit, buying your dream home (yes, you can do it!), debt help (budgeting), avoiding or fighting identity theft, foreclosure, etc. Enjoy our active discussion forum and InspireMe now success stories. (retail value: $19.95) ***Priceless: How much are these secrets, tips & strategies worth to you? Bad credit is damn expensive...it's frustrating...it's full of anger and confusion....and it leaves you feeling helpless. It doesn't have to be this way. ***Bottom Line: We have chosen to make this life-changing opportunity available to a limited number of peoople. To the 4,000+ people following our [Credit-Success] program who have put this training material through its paces and forced us to improve it, we are grateful. To them, we are opening the doors first. We may sell out before ever going public, at which time you may join our first-call list. ***Cancel Anytime: Of course, you can cancel anytime should you not find value in this low monthly fee.. Let's put it this way, if you find a more inspiring, more educational, and more beneficial use for you 67 cents per day, we encourage you to cancel. Enjoy your free 30-day trial membership in our members-only club and then pay just $19.95 per month (that's .67 cents a day) to receive: Our active, members-only discussion forum where we discuss strategies & answer questions beyond the Bootcamp & bonuses; learn from other members who have been where you are; share your success; learn how to buy your dream home even with bad credit; get answers to your mortgage & real estate questions…how to fix your credit, save you money & make you money. Step-by-step, easy-to-understand credit repair 'how-to' articles & special reports. We will walk you through advanced credit repair strategies. What happens when the bureaus 'blow you off' with their all-to-common 'verified as accurate' response letters. They will. That's an absolute. How to get the bureaus to take your disputes seriously by reporting 100% accurate accounts or DELETE. Step-by-step, easy-to-understand articles, videos, audios & reports explaining exactly how to 'buy' your new home with a lease-option. This is powerful, real and absolutely legal. You really can buy your own home with this training. We will show you exactly what to say to sellers, how to present the benefits of a lease-option, how to negotiate with sellers (to your benefit) & how to protect your 'option', what paperwork you may need, why you should involve a real estate attorney & much more. "How-To…” Audios & Videos explaining how to fix your credit; how to buy your dream home with bad credit, no big down payment & no bank qualifying – you can live in and enjoy your dream home today! Folks, this is absolutely real. In today's housing market, even buyers with great credit and sufficient down payment money are not buying the 'old' way -- they're lease-optioning their starter, second, upgrade or estate homes. These savvy buyers are protecting their cash & credit. Inside our 'club' you will meet many real estate & mortgage professionals who are members just as you are. Their dying real estate and mortgage businesses have taken a bit hit. They want to learn how to help people in their neighborhoods. Surveys and Polls ensuring we give you exactly what you want. InpireMe. What happens tomorrow depends on today. Our 'InspireMe' section will inspire & motivate you to achieve your dreams beyond credit repair and your new home. This section of our site actually may turn out to be the most popular part of our site with 'how-to' videos, audio interviews & success stories positioned to inspire you. Monthly Newsletter filled with member success stories, advanced step-by-step credit repair & lease-option strategies, secrets & tips on fixing your credit and adding new credit, credit cards, mortgages, identity theft, real estate & much, much more. YES, I Want To fix my bad credit and buy my home using the lease-option. "I have Read and Agree to the Privacy Policy, Terms Of Service & Disclaimer." Normal price $79.95. *Not in effect yet.* Buy now to lock in the current low introductory price of $29.95 (BIG discount ) ***Only $29.95*** Transaction Processing

If you have damaged credit, take action now--don't keep throwing good money at bad credit: fix your own credit. By all means, please do NOT stick your head in the sand and hope 7-10 years fly by quickly.

You really can improve your damaged credit and buy your dream home using the powerful lease-option.

Get Credit Repair Bootcamp now!

The 12 Steps will guide you through the FICO maze...you can enjoy better credit starting today...you're just a couple clicks away.

We will provide you with step-by-step, easy-to-understand audios, videos, action-packed articles with "how-to" step-by-step guidance & special reports.

What is improved credit and your new home worth to you?

Ken & Adriane P. of Clermont, FL, didn't allow a challenging situation to destroy their dream of home ownership. They took advantage of an opportunity to grab the keys to their dream home.

QUESTIONS? Please Contact Us with any questions or comments.