"After I
Realized Paying Off
My Bills On Time Every Month
Does Not Guarantee Good Credit And Wasting Hundreds
On Credit Repair Services, I Did Something That
Boosted My Credit Score From 592 To 717 In Just 3
Weeks In My Spare Time."
You can take 5 minutes to find out how I did it and how
you can do it too, or you can continue getting rejected...
Dear
Friends,
Almost
5 years ago, my wife was involved in a serious car accident.
We had to use all of our savings to pay the medical bills
and other expenses. Because of that, I fell behind a couple
of payments on my cell phone and cable bills. It only
took me a month or two to pay off the balances, so I thought
"no big deal".
A couple of months
after that, we realized that we didn't want to keep
renting anymore; so,we decided to buy our first house.
I had a really good job, we
were finally debt free and everything was working out
great for us. We spent about 6 weeks searching
for the house of our dreams. It was gorgeous! It had a
fireplace and a huge backyard where our two daughters
and dog could play for hours.
So we went to the bank that had our
business for over 8 years to get a loan.
The lady who took care of us was very nice. She
offered us a cup of coffee and she told us that she was
very excited for us since this was going to be our first
home. She asked us to fill out some forms, then she
checked something in the computer, and then said
something totally unexpected.
She told us that she was
rejecting us because
our credit history wasn't good enough. I couldn't
believe it! I always paid everything on time. I just
fell behind a couple of payments on my cell phone and
cable bills so I could pay my wife's medical bills!
I told this lady that there had to be a mistake and I
asked her to check again. She said that the credit score
is never wrong, she told us she was sorry, wished us a
good day, and started looking behind our shoulders to
call the next person in line. We couldn't believe that
the same lady who was so nice 10 minutes before was
being so rude to us.
That really hurt our feelings, but we decided that
since they didn't want our business, we were going to
take it somewhere else. And we did. At least, we tried.
 Guess
what happened next? 13 lenders rejected us, one after
another. They said we represented "too much
risk" to them. We were turned down a total of 14
times; I was very depressed.
I was ready to give up. The idea of sitting in front
of a lender again just to hear one more time that I
wasn't good enough was just terrifying. It was my wife
who didn't let me quit. She really wanted us to buy our
own house and she convinced me to fix my credit score.
The first thing I did was to
contact a very prestigious credit repair company.
Their services seem pretty good, but when they told me
it would cost me $2,250 I thought they were completely
out of their minds. I just wasn't going to spend that
kind of money. Then I found a company that promised to
fix my credit for $97 a month. It looked reasonable; so,
I hired their services.
Four months later, I discovered that
my credit score only improved
6 points! It was a joke. Sarah made a good point:
since these guys were charging me monthly and once your
credit score is fixed you don't need their services
anymore, they work as slow as they can!
So I decided that I was going to fix my credit score
by myself. I sent a letter to the 3 credit bureaus
requesting removal of the negative items I had in them.
Guess what happened? They labeled my request as
frivolous, rejected the removal request, and told me
that I couldn't dispute those items again for 12 months!
It's kind of embarrassing to admit it, but I cried that
day. I felt hopeless.
I finally gave up...
Two or three weeks after that, I met a really nice
guy at a friend's birthday party. He was a lawyer and
worked for a credit repair agency. I told him about my
problem and he invited me to have some coffee during the
week so he could help me.
Meeting this guy was the best thing that has ever
happened to me. He explained why the credit
bureaus rejected my request and exactly how to do it
right next time. He had developed a
step-by-step system and shared it with me. After all
that I had been through, I was very skeptical by this
point, but since I didn't have anything to lose, I
decided to give it a try.
So I used the template letters that the lawyer gave
me, I filled in the blanks, I followed his step-by-step
instructions, and I mailed in the letters to the
bureaus. Three weeks later, I ordered another credit
report and I couldn't believe what had happened.
My score went from 592 to 717
in only 3 weeks. At first, I thought there was
some kind of mistake, so I called the company who I had
gotten the reports from and they said there was no
mistake and that was my real score. I was totally blown
away by the results. It was hard to believe, but it was
true.
Sarah and I went back to check out some houses and we
found one that we really liked in less than a week. We
went to a mortgage lender to get a loan.
 I
recall that we were very nervous, fearing that something
could go wrong again. Well, the loan officer
approved our application on the spot and they
offered a very competitive interest rate.
We were very excited and went to see another lender
to see what they could offer to us. They approved us too
and the interest rate they offered was even lower. Wow!
It was incredible. Months ago, we were rejected by over
a dozen lenders and now two
lenders were fighting for our business.
Oh, I almost forgot. Do you remember
the first lender who turned us down?
One week after we bought our house she called us and
said that she heard that we were shopping around for a
loan and that we were automatically approved for a loan
with them at a better interest rate. Sarah was the one
who picked up the phone and reminded the lady how rude
she was to us in the past and then said something like,
"I can't keep talking to you now because I have to
take care of other lenders who are offering me their
money. Have a good day!" and she hung up the phone.
It was hilarious and it was a great feeling.
After raising my credit score by 125 points in three
weeks, I wanted to pay it forward and
I have since helped more than
300 people to improve their credit scores. Every
single one of them, without exception, saw their credit
scores improve significantly. Some of them by only 45
points and others by as much as 167 points in less than
one and a half months.
The truth is that you don't need to pay a company
thousands of dollars to get your credit report fixed.
You can do it yourself. But
there's no way you can do it right, unless you know
exactly how to do it. Make just one mistake and the
bureaus will not only reject your request and maintain
your poor credit score, but they will also label the
request as "frivolous" and by law you cannot
submit another request for an entire year!
That is why I want to help you. I want to share all
my secrets. I want to share over 4 years of experience
fixing credits. I want to share all the mistakes I have
made during all these years; so, you don't make them,
too. You can instantly absorb the experience I got from
fixing over 300 credit scores and improve your own by 50
to 150 points in no time flat.
But before telling you about my book,
let me show you how much of
your hard-earned money you are wasting if you have a bad
credit score:
This is an example of a typical 30-Year fixed mortgage for the amount of $250,000. You can clearly see how someone with a credit score of 720 will pay $1,479 a month and the total interest that he will pay during 30 years will be $282,557, slightly more than the principle amount.
Now, compare that to someone who has a score of 559. This
person's monthly payments will be $2,763 (almost twice
as much as the person with a good credit score!) And he
will pay $744,524 in interest. That is 3 times as much
as what the first person will pay. It
is half a million dollars more! You don't want
to pay that much more, do you?
Introducing...
Credit Score Makeover:
All the Secrets to Never Being Rejected
for a Loan and Cut Your Payments in Half
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Discover
the 2 secrets that credit repair
lawyers know and they never revealed before. |
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The
secret formula that credit repair experts use to get
credit scores for FREE! |
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The
10 Commandments that you need to follow to
raise
your score by an average of 47 points WITHOUT disputing
the negative hits on your report. |
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Why closing an old account is the
worst
mistake you can ever make
and how to do it
the right way. |
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Why
not having any debt is actually
BAD for your credit and the dirty little secret
that the credit bureaus will never tell you about
this. |
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How
I've helped over 15 people who didn't have a credit
history to reach a score of
700
in less than 4 months.
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Discover how to
avoid paying credit card fees FOREVER. Many people have told me that this secret alone was worth many times the price of this book.
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Did you think that the credit bureaus were only Experian, TransUnion, and Equifax? Think again.
Discover the 4th credit bureau and why ignoring it will cost you hundreds of dollars in interest payments each single year.
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The one thing you need to know to understand why
removing negative items from your credit report can actually LOWER your score.
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Discover what kind of debt benefits your credit and what kind destroys it. When I learned this secret I could help my clients
raise their credit scores 36% faster.
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Discover the truth behind the number one rule of credit repair:
it doesn't matter that a negative hit on your report is legitimate
if the bureaus CAN'T PROVE it. Understand why this is a game and why knowing the rules will help you beat the system.
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The true story of how I bought
6 houses with no money down, without proof of income, and only $750 in fees.
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The dirty little secret that teaches you how to create an
alternate credit profile
and start from scratch if your credit is already too damaged and you don't want to work on fixing it.
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The step-by-step process that I have used over 300 times with each one of my clients and
has been proven to work time and time again to raise scores between 50 and 150 points in an average of 3 weeks.
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Since I first published my book, I have been updating it
every couple of months with new secrets, removing old
information, and making sure that every technique in the
book is always current.
During the time since I published this book I have also
written 6 other books about skyrocketing your credit score
in no time flat. As a way to show my appreciation to all
the people who write me emails all the time to say thank
you for how much my book helped them, I've decided to
offer everybody my other 6 books at no extra cost.
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Order
Today And You'll Also Receive: |
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Credit Repair Bonus #1:
Sample Letters
These
41 powerful, sample letters are the same ones I use
with my clients to clean up their credit. Just fill
in the blanks and mail them in. It couldn't be
easier.
Read the questionnaire and find out what letter is right
for you. You can't go wrong. These letters have worked
for me and over 300 clients of mine time and time again.
They are the key to my success. |
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Credit
Repair Bonus #2:
ID
Theft
The 37 things you need to do so ID Theft never happens to you.
A step-by-step guide to stopping ID Theft immediately if it already happened to you, before the damage is
impossible to repair. |
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Credit Repair Bonus #3:
Bankruptcy
I've read a lot of nonsense advice about how to build good credit after you filed for bankruptcy. What's different about my approach is that IT WORKS. And it's not me saying it, but it has been proven to work six out of six times. It worked for others in your same situation and it will work for you too. |
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Credit
Repair Bonus #4:
Defeat ChexSystems
Are you in ChexSystems? Banks won't let you open a checking or savings account? Don't worry. This is the definitive guide to opening a checking account with unlimited checks and a debit card in the United States without having to pay monthly fees. |
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Credit
Repair Bonus #5:
Get Rid of Your Debt
I will show you the exact same techniques that professional debt negotiators use to decrease debt amounts dramatically. How does paying $170 for every $1,000 that you owe sound?
Professional debt negotiators charge between $1,000 and $2,700 for doing exactly what I will share with you in this book. |
My no-risk, no-questions-asked,
100% MONEY BACK GUARANTEE.
I've spent over
4 years perfecting this book and helping hundreds of
people just like you to save an average of $300 in
interests every month and to get approved each and every
single time they apply for a loan.
I believe that my book can really help you. You
know what this book can do for you even if you are very
lazy and use only 10% of the techniques I reveal.
But I want to make it
completely risk-free for you
so there is no objection whatsoever. Read the book and
put my techniques to practice. I guarantee that you will
make the price of this book several times in the money
you will be saving in interests. But if I'm wrong, just
send me an email within 30 days of the purchase date and
I will refund you, no
questions asked.
So either way you come out on top. |
You Can
Have Instant Access To
My Guide & Bonuses For Only $47 $27!
Order online safely and securely.
100% Secure, Full Encryption Is Being Used.
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Best regards,
PS: A lot of people
love to say that they had 500 books available and they already
sold 499 and if you don't buy right now the only one they have
left the offer is going to end in 1 minute and 3 seconds, 1
minute and 2 seconds, 1 minute and 1 second... I am not going to
insult your intelligence. This offer will be here for a long
time. But keep in mind that for every day that goes by without
you taking action, there's money you are wasting by paying too
much interest. Also keep in mind that fixing your credit takes a
couple of weeks, so the sooner you start, the sooner you can
qualify for pretty much any loan that you want. |
