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Regaining Your Good Credit
Life Begins With Taking One Step
Forward...One Step At A Time!
The
secrets are common sense when you hear them. However, if
you really do want to regain your good credit life, you
need Commitment, Knowledge & Action.
Therefore, commit
to fixing your credit. Learn what
you need to do to fix your credit as fast as possible.And
for heavens sake, Take action!
“Once you handed me the knowledge,
I knew I only had to plug in my information and take action
on it. That’s exactly what I’ve done…Here
I am, 521 middle to 735 middle ….ugly to
awesome in nine months.” –Justin
T., Houston, TX
Reality Check
#ONE: the credit
repair companies do not fix people's credit .
“Every credit repair company
out there pitches us on how great they are. The problem
is that not one of them…not even one…helped
our customers fix their credit. That wasn’t
good,” says Mortgage Professional David Klein.
“What I now know is that
no ‘attorney’ or ‘credit repair specialist’
is going to do credit repair for $39.95 or even $99.95
per month. C’mon, an attorney pushing form letters?
No way. They use a bunch of worthless form letters that
get flagged by the bureaus and they try to game the system…these
companies are ineffective and dangerous,” David
states. “And think of it this way too, how much
work are you going to do for somebody who pays you $39
or $99 a month? When I got this in my head, I began seeing
clearly.”
Reality Check
#TWO: the credit
reporting agencies—Equifax, Experian
& Transunion—do not want you
to fix your credit!
The Big 3 make tons of money off
bad credit reporting. When you dispute and they easily delete
or update the inaccurate reporting, they lose money. Therefore,
the Big 3 attempt all kinds of stall tactics to keep reporting
bad credit. They hope you’ll go away, irritated and
frustrated, allowing them to continue reporting and making
boatloads of money off bad & inaccurate credit reporting.
Reality Check
#THREE: bad
credit is very expensive!
Chances are you already know that
bad credit takes good money and flushes it down the toilet.
With bad credit, have you tried to get a home mortgage?
Were you shocked by the rate they quoted you? Stick with
us. We'll teach you how to get your dream home without bank
qualifying.
With bad credit, have you tried
to buy an automobile? And I'm not even including the 'buy
here, pay here' car....ah...dealers (I could use a different
word here, but I'll avoid the 'R' rating and call them
'dealers'). Try to get a car loan with bad credit. If
you can get one, you may not want to look at the interest
rate. It will be ugly (read: expensive).
Insurance companies charge inflated
rates to people with damaged credit...car, home, health,
renter’s insurance.
Bad credit gets apartment rental
and cell phone applications rejected or higher securities;
bad credit even rejects people from new jobs or job promotions.
Reality Check
#FOUR: paying
off collections is BAD!
Unless you negotiate in writing a
‘pay-for-delete’, think before you pay one penny
toward a collection. Do you know that paying off bad debt
does not erase the bad credit reporting or raise your FICO?
Completely backwards, isn’t it?
Reality Check
# FIVE: credit
repair does not COST you;
credit repair REWARDS you!
You already know just how damn expensive
bad credit is. You already know just how damn frustrating
and embarrassing credit rejections are. Just because some
car dealer or mortgage lender or department store credit
card issuer says “YES” doesn’t mean it’s
a good opportunity. Good credit opens closed doors and puts
more of your money in your pockets.
Whatever it takes, get
good credit starting right now!
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A
journey of a thousand miles begins with a single
step....
--Lao-tzu
