Watch video now for SECRET #1 before grabbing your FREE CD below!

Click the green button below to claim your
free CD now or keep reading to
find out what's the catch.

Why Did I Create This "Free" CD?

I want you to regain your good credit life and get whatever it is you want from "good" credit....

Hi, my name is Mike Payne, and I am an u-g-l-y credit survivor.

Back in the 1980s while in college in Nebraska, I got hit with a bad case of Identity Theft, throwing me into the ring with nasty debt collectors and brazen credit bureaus.

Without boring you on my ugly credit battle, I know the cost of bad credit. I know about overpaying for everything credit related. I know about snobs looking down their nose at me, as if I was some kind of loser. I know about credit bureaus, creditors, debt collectors and even the police not caring about my situation...and that I had NOTHING to do with my ugly credit.

If you're curious about my story, you can click here now to read my story on my blog.

Why Am I Qualified
To Offer You My Help?

I fixed my own credit. I have made nearly all mistakes possible, some very costly. Once upon a time, I too believed I blindly could fire off a bunch of dispute letters & my problems would go away. In those days, I too believed all I needed was a special dispute letter. All I needed was a magic bullet to send to credit bureaus & debt collectors. Ha-Ha, what a fool I was.

Oh well, I learned my lessons, so you don't have to be the fool who ends up getting sued. By the way, that's one of my main gripes with all these credit (dis)repair companies. All they do (to earn your money) is to fire off what they call "rounds of dispute letters," trying to see what sticks.

You see, their game plan is to take your money and dispute all the bad accounts you tell them to dispute. In other words, they want YOU to tell them what's reported inaccurately, what's been re-aged, what's "time barred," & what's in violation of Fair Debt Collection Practices Act or Fair Credit Reporting Act. WTH! How are you supposed to know what all that means?

So the credit (dis)repair company you're paying $69.95 or more each month to "fix" your credit blindly fires off letters on your behalf. (IF) their actions get you sued, they are not around to defend you. It's kinda like the cheap tax preparer that screws up your tax return and leaves you alone to face the IRS! NOT Cool...not cool at all!

Yes, I'm qualified. Are you committed to improving your credit? That's the bigger question. Don't expect me to fill you up with happy-talk about just how easy it is to wake up tomorrow morning to A+ credit. You didn't get in this mess over night. You're not going to get out of it over night.

But you will get out of it. Even better, you do not need A+ credit to get whatever it is you want from "good" credit! You WILL be impressed with how easy-to-understand and (even better) implement all 8 secrets are. Implement = take ACTION.

Here's Why You Might Want
To Grab My CD, 8 SECRETS
TO A 680 CREDIT SCORE!

My CD is not some cheesy "coaster" filled with legal crap. of crap that doesn't work or doesn't make sense. Let me ask you a question right now: "Do you understand secret #1? Did I explain it clearly so you can take action right now?"

If you answer no, then I cannot help you. I was a high school teacher for 16 years. If I can't explain secret #1 well enough for you to understand, then my teaching is not for you.

Here's something else I want to get out of the way right now. I get the this question all the time and I'm certain you're thinking it right now. You're wondering why I'd give you something free that I claim normally sells for $47.00.

You know (and I know) that nothing really is free. There is no free lunch. Right? You'd better believe my nose sniffs out a scam...most of the damn time that is.

Here's the catch. Here's why you get this real CD free (you pay $5.95 s&h). This is a special promotion I'm running. I want you to test-drive my killer monthly newsletter, THE BIG EXPLOSION filled with even more credit IMPROVEMENT and credit REPAIR secrets.

I can stand at the street corner, screaming at the top of my lungs about just how killer my monthly newsletter really is. I would be just another Billy Mays pitchman. To PROVE to you just how good my newsletter is, I have to BRIBE you.

That's exactly what I'm doing right now. I am putting a really good CD in your hands for just $5.95 s&h. In return, you promise to test-drive my newsletter for $27.00/month (normally sells for $49.95/month). Sure, you can stiff me and cancel during the 14-day trial and keep the CD. Tell me, where's the risk?

Here's Why You Should Grab
These 8 Secrets On CD Or DVD
Right Now!

Secret #1 Quickly & Easily Adds 25-75 Points To Your Credit Scores...Without Costing You Even One Penny! Watch the video above to discover how to take instant advantage of this powerful credit-boosting secret...now!

• How one phone call is all it takes to add a quick, easy 25-75 points to your credit scores..
• How the BIG 3 are using "FICO '08" to stomp out AU fraud.

Secret #2 Quickly & Easily Adds ANOTHER 25-75 Points To Your Credit Scores!

• Are you doing the math? These 2 secrets alone could be worth 50 points (on the low side) to your credit scores. Would you like to see your credit scores jump 50 points?
• How to add one (or more) powerful credit accounts to your credit reports...even if you're one day out of bankruptcy!
• Why you must increase your "high-credit" limit to improve your credit scores.
• Which companies will not scam you by making "too good to be true" offers.

Secret #3 Shows How One Small Change To Your Credit Card Use Adds Up To 75 Points To Your Credit Scores…Quickly!

• 9 out of 10 people contacting me are shocked at how simple this credit score-boosting secret really is.
• Those same 9 out of 10 people had no clue this "secret" even affected their credit scores!
• How the FICO scoring algorythm hammers you for not knowing the truth about credit cards.
• How this one simple truth typically hands people a 50-90 point score boost.

Secret #4 Pulls The Covers Off One Powerful Letter That Removes Point-Sucking Late Pays (And More)…Easily And Quickly! This letter magically gets CEOs wanting to help you improve your credit or resolve your "issue." You can get LATE pays removed using this letter. You also can use this same letter for more than credit improvement. Recently, I fired off one of these letters to recover the 50,000 bonus points Bank of America tried to steal from me. That one letter put about $692.00 into my hands. This is just one example! Once you get your hands on this exact letter, you will use it again and again.

• How to compose this letter for maximum "punch." Get this wrong and your letter hits the trashcan.
• How to get your letter into the right person's hands as quickly as possible. This is not as easy as it might seem but I've figured it out.
• How to force decision-makers to want to help you. Pissing people off will not get you what you want. Make them want to give you what you want is what I'll show you.
• How just one tiny twist in my mailing strategy cut the response time in HALF!

Secret #5 Reveals The Nasty Truth About The BIG 3 Credit Reporting Agencies & Why The Bureaus Do Not Want You To Improve Your Credit Scores…Without A Fight!

• How the credit bureaus ignore your VALID dispute letters...and get away with it with most people.
• Why you should never fire off template dispute letters you download off the Internet.
• Why you should never dispute accurately reported accounts...depsite what many credit "repair experts" tell you.
• How to force the Big 3 to take your disputes seriously.

Secret #6 Reveals The Shocking Truth About Paying Off Debt Collectors.

• How To pay a debt collector the "right" way.
• How paying a debt collector one penny will not improve your credit scores...regardless of what they "tell" you.
• How to determine whether or not you should even pay a debt collector!

Secret #7 Reveals One Common Debt Collection Trick Used To Destroy Your Credit Scores...Without You Knowing It!

• How debt collectors trick you into resetting the statute of limitations on unpaid (bad) debt.
• How debt collectors illegally extend collection time and get away with it.
• How to spot an illegally reported account on your credit reports and turn the tables on the debt collector. It's easier than you might think.

Secret #8 is a MUST-KNOW secret costing people $1,000s each year, getting them sued & destroying their dreams.

• How to avoid getting scammed by a credit (dis)repair company.
• How credit (dis)repair companies trap you into paying them $299.00 setup fee and $99.00 /month...forever!
• How credit (dis)repair companies get you SUED!

Here's How To Get Your Own Copy Of My CD,
8 SECRETS TO A 680 CREDIT SCORE!

The choice is yours ... it always has been ... now you realize there really is a better way, an easier way. Right now, grab your FREE copy of 8 SECRETS TO A 680 CREDIT SCORE! now, while it's fresh in your mind.

 So that's it.

I've told you my story, and I've explained why I want to help you.

But I can't make the decision for you.

The choice is yours, and I hope you make the right one. Always remember, you don't need A+ credit to get whatever it is you want.You need to take the first step with my FREE CD.

I truly do hope you'll let me help you... like I've helped so many others who were in a similar position.

Bad credit is not a permanent condition, and I believe my 8 Secrets To A 680 Credit Score! will help you.

I wish you all the best,

Mike Payne

Mike D. Payne, P.A.
www.fixmyuglycredit.com

P.S. I have run out of this CD one time already. Are you ready to improve your credit and discover dangerous tricks used by debt collectors, credit bureaus & credit repair companies? Get your CD now while I have one for you.

Choose FREE CD or video DVD (+ audio mp3 + iPod version + "8 Secrets" report pdf) now by clicking on the your choice of big orange "Add to Cart" button below:

Mike Payne, P.A. (c) 2007-2009 - All Rights Reserved.

Thank you!

*OUR LAWYERS INSIST WE MAKE THE FOLLOWING DISCLAIMER: All credit score examples and testimonials are representative of customers. No proof of results are available to confirm results. Some members may make little or no improvement with this program. Why? It does take effort to improve your credit (in any system) and it just won't happen if you do not learn and apply the system. Worse, some people never even complete the training and therefore never see any results. Theses claims are not a guarantee of your credit improvement and may not be average of participants. Individual results will vary greatly and in accordance with your effort, determination, hard work, and ability to follow directions. Summary: As in any training program and with everything in life - you get out what you put in.Legal notice: We offer educational material only and do not offer any credit repair performed for you. We are not responsible for actions you may take to repair your credit. We are not lawyers and only offer information and education.We recommend seeking the qualified advice of an attorney who specializes in credit repair before getting out of bed in the morning, encountering a debt collector, appearing in court and/or hiring a credit repair company.

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