You Will Also Learn the Two BIGGEST MISTAKES That Most People Make That Could Completely DESTROY Your Credit Repair Efforts.
READ MY PERSONAL STORY BELOW AND FIND OUT HOW I RAISED MY OWN CREDIT SCORE FROM 562 TO 756 IN JUST A FEW MONTHS AND HOW DURING THAT PROCESS I STUMBLED UPON 1 SUPER SECRET STRATEGY THAT COULD RAISE YOUR FICO SCORE
UP TO 109 POINTS IN LESS THAN 30 DAYS
I’ve never seen this secret strategy explained this way in any other credit repair manual (and I’ve read them all) It’s actually crazy, but over half of the credit repair programs that I’ve read tell you specifically NOT to do this.
In today’s financial climate, having a good credit score is the only way to gain access to the good credit market and lower financing rates that save you tons of money over the term of any loan. The media would like you to believe that banks and finance companies just aren’t’ issuing credit these days, but that’s not true at all. Banks and finance companies MUST issue credit in order to stay in business. The problem for most people like you and me (the old me) is that they are only issuing credit to those consumers with a solid credit history and good credit scores. – Otherwise known as FICO scores.
The good news is that there is a solution to your credit problems and it’s simply to fix them yourself. You see, you can ELIMINATE bad credit almost as quickly as it was created. There are a few simple strategies that can dramatically raise your FICO score in an amazingly short amount of time and I’ve put those strategies and much, much more into a newly updated DO IT YOURSELF CREDIT REPAIR MANUAL.
This DO IT YOURSELF CREDIT REPAIR MANUAL contains the best credit advice that I’ve received from several credit attorneys and credit repair experts as well as a virtual mountain of my own personal experience which all adds up to provide you with what I believe is the absolute best Do It Yourself Credit Repair Manual available today for consumers like you and me. (the old me) I have seen increases of over 200 points in FICO scores by using the same strategies you will find in this comprehensive, yet easy to navigate credit repair manual.
A credit repair company wanted to charge me $1,495 up front and $99 per month to fix my credit with no guarantees, but once I used the strategies in this manual I improved my credit score all by myself in just a few weeks. It cost me about $16 in postage and took about 3 hours of my time
Hi. My name is Christian T. Rogers and I’ve been down that road before. I started out my first few years of working a steady job with pretty decent credit and because I had good credit, I kept getting offers in the mail for more credit cards and each one sounded better than the one before so I applied and got them. You know, you go into a department store and they offer you a credit card that will save you 20% on your purchase today. Well, let’s just say I saved 20% more than a couple of times. I even financed our cars and new furniture because I had a good job and I could afford the payments. Right? Sound Familiar?
Before I knew it, I had achieved that American dream and at the same time managed to amass an absolute mountain of debt. I actually kept up with all those payments for a while and my credit was spotless. An unexpected change in my employment situation brought my whole world crashing down around me. The company I was working for had been paying me my normal commission rate on account renewals and then one day they just up and changed the system which basically cut my income by 50%. Of course, I wasn’t a dead beat and I wanted to pay my bills on time like I always had, but I just couldn’t keep up on half of what I was making when I signed up for all that credit. Not to mention that now the interest and late fees started piling up to make things even worse.
Over 60% of Americans with debt problems got that way from either a medical issue or employment change.
My debt amount just kept growing and growing with interest and late fees and then the collectors started calling every day. At first I would talk to them to see if we could work out a different payment plan that I could afford, but after a while I just stopped taking calls from numbers I thought might be collectors. I was embarrassed more than once by taking a collection call in front of a friend or co-worker. I even really messed up and took one of those calls in front of my father-in-law. I was getting really depressed and physically ill over the debt and my inability to pay for it. All I kept thinking about was this giant dark cloud of debt over my head, how impossible things were and who to blame. My marriage was suffering because of it and my wife and I started arguing about money a lot and we hardly ever raised our voices before this whole debt disaster. She was working in a low paying- dead end job, but we were too afraid for her to quit that job to try to find another one because the month or two without her income could completely devastate us. We were really stuck and we weren’t even treading water…….we were sinking. It was the worst feeling in the world.
The downward spiral kept on going until it was completely out of control. I had collectors calling 6 or 8 times a day wanting some kind of payment on this bill or that bill. We kept our cars in the garage and parked them blocks away from our work to hopefully keep them from getting repossessed. Our debt situation actually made my wife physically ill and sent her to the edge of clinical depression.
THE HOPELESSNESS OF NEVER GETTING OUT OF DEBT WAS BECOMING PART OF OUR DAILY LIVES – AND THAT REALLY SUCKED !
I needed to do something to help our debt and bad credit situation, not to mention I had to save our marriage and our sanity, but I just didn’t know where to start. I thought about bankruptcy, but didn’t think the negative effect it would have on my credit report was worth it. Bankruptcy stays with you for 10 years. We were about $18,000 behind and I thought there just had to be a better way than file for bankruptcy. I even wasted money buying scratchers and lotto tickets in hopes of hitting a big enough win to get us caught up…………………… What a joke I was.
I thought that If I could fix my credit report up a little bit, I may be able to get a refinance on our house and use that cash to get caught up and buy us a little time to downsize or look for higher paying jobs to keep up with our other payments. I contacted a few credit repair companies that I found online. After contacting them and getting price quotes of anywhere from $99 per month up to $4995 for a total package, I knew I couldn’t afford their services. The kicker from the credit repair companies is that they made it sound like they could help me remove some of the negative items on my credit report, but they wanted up front money and wouldn’t provide me any guarantee on the results. We just didn’t have the money to gamble on a credit repair company, but some of the things they said made me think that I could probably figure out how to do my own credit repair.
The Credit Repair Companies Wanted up to $4995 and Offered NO GUARANTEES
http://mycreditandrepair.comhttp://mycreditandrepair.comI went to three different libraries and checked out every book on credit repair that I could find and after reading them all cover to cover (11 total books) I figured I had enough information to start my project and put some of these credit repair strategies to the test. Like I said, at this point I really had nothing to lose.
YES ! I WANT TO SEE EXACTLY HOW YOU FIXED YOUR CREDIT AND HOW I CAN FIX MY CREDIT TOO
My first test was to use the most basic strategy that I found in most of the books. Within 18 days of implementing this strategy two of the credit bureaus removed the first negative item from my credit reports. It was like magic. I couldn’t believe it actually worked. 9 days later a second negative account was removed from report and another changed to say that my account was current. Two negative accounts gone and one changed to a positive in the first month. Now that was EXCITING !
Two Negative Accounts Gone In The First Month !
Now That’s EXCITING !
At this point I thought, “Wow, this is going to be a piece of cake.” Well that particular strategy ended there and I had to move on to another strategy and then another and so on until I had tried everything I found in all eleven books that I had read. I systematically worked through each strategy I had discovered and kept good records of which ones worked and which ones were just a waste of time. By doing this, I was able to create my own simple step-by-step approach to cleaning up a damaged credit report in the least amount of time possible. In total, I probably spent around 200 hours trying different strategies and tactics to clean up my report and increase my credit score. I boiled all of these hours down to the few methods worked really well and streamlined the whole process into a neat clean little package that should only take a few hours of your time instead of the hundreds of hours that I spent in trial and error.
IN TOTAL I SPENT OVER 200 HOURS OF TRIAL AND ERROR IN ORDER TO DEVELOP THE STEP-BY-STEP SYSTEM IN THIS MANUAL. THAT’S ENOUGH TIME TO WORK A FULL TIME JOB FOR 5 WEEKS.
Using this new hybrid system of my own creation I was able to raise my credit score from 509 to 628 in the first 60 days – that’s almost 120 points and I wasn’t done yet. Amazing results by any standard and I still didn’t really know what I was doing. The system worked for me on my credit report so now I had to prove that my streamlined system would work for anyone else too. Many of the accounts that I had on my credit report were joint accounts with my wife, but she had a few of her own so of course that was my second project. My goal was to get similar results, but do it in a lot less time and with a lot less wasted effort.
As I began to work on my wife’s credit report, I kept thinking about something that most of the books had cautioned against, and even advised to avoid at all costs while doing credit repair, but for some reason I thought that with a little tweaking, the idea could actually work to our benefit.
To be honest, I was feeling pretty good about the success that I had experienced raising my own credit score, (a little cocky even) so in spite of all the warnings by the so called experts I put this new strategy into effect on my own credit which I thought I had already improved to the maximum extent possible. I used this new strategy with a little twist of my own and………………
THE RESULTS WERE NOTHING LESS THAN PHENOMINAL!!
Even after over 100 points of improvement in my credit score already, this simple strategy by itself launched my FICO score p by another 30 points and so I decided to use it a second time and it pushed my score up again another 47 points. It all happened in less than two months and that’s AFTER I thought my credit repair project was already done as well as it could be done. An extra 77 points added onto my credit score using a slightly modified strategy that most of the books told me absolutely not to do.
My Credit Score Started in the Low 500’s and Now it’s
http://mycreditandrepair.comThis crazy strategy is VERY POWERFUL and MUST be part of any credit repair effort. I did find a balance with this particular method though and it can’t be over used or it could cause damage to your credit score. Knowing how to use this strategy and how not to use it is very important in your credit repair project.
I have since used this strategy on several other credit repair projects and it has a positive effect each and every time raising FICO scores across the board.
This Do It Yourself Credit Repair Manual will be an invaluable resource for you. I’ve made the process as SIMPLE and EASY as possible and spelled everything out for you step-by-step. I have cut out all the bull and show you only the best, proven successful strategies that will help you launch your credit score to heights that you never thought possible.
http://mycreditandrepair.comI could go on and on about the many proven strategies in this comprehensive Do It Yourself Credit Repair Manual. I could tell you how much these strategies have improved my own credit score as well as the credit scores of family members, close friends and many others who have used this manual themselves. I could tell you how much money I have saved in interest and financing costs for our home, cars and other financed purchases since improving our credit scores so dramatically. I could really tell you how much better I feel every day not to have that sinking feeling in my stomach whenever I’m asked to complete a credit application, but It’s not me or my story that’s important here other than to offer you a way out of your credit problems.
At the end of the day, it’s completely up to you to make the decision if and when you want to start doing something to change yourself and your credit and financial situation for the better. You may not be interested in fixing your credit quickly and easily. Maybe it’s not that big of a deal for you and you have figured out how to use your mom’s cell phone plan and have your grandma co-sign for your car that you’re paying over 20% interest for. All these are things you have to decide for yourself and I’m just here to offer you a better way that’s not going to cost you an arm and a leg.
Better credit is the key to a BETTER LIFE ! It’s just not realistic to pay cash up front for everything that we need or want in our lives so good credit is a must have in today’s society. These are just a few of the things that you‘ll finally be able to do with a better credit score.
An Improved credit score will give you access to credit and financing that you don’t have now with your low FICO score. For instance, by improving your credit score you could lower your home mortgage rate by just 2% and that 2% will make a HUGE difference and save you around $100,000 over the life of your loan.
A 30 year fixed rate home mortgage on $200,000 @ 7.9% = $1453.61 monthly payment and a total of $523,299 paid over the life of the loan.
By improving your credit score by just 70 points you could lower your fixed rate to 5.9% which would lower your monthly payment by almost $500 to $1.186.27 per month and $427,057 paid over the life of the loan saving you a WHOPPING $96,000 That’s enough to buy another house or put 4 kids through college.
REPAIRING YOUR CREDIT AND ELIMINATING HIGH INTEREST CREDIT CARD DEBT ARE THE TWO MOST IMPORTANT THINGS YOU CAN DO TO IMPROVE YOUR FINANCIAL SITUATION AND DRAMATICALLY IMPACT YOUR LIFE AND FUTURE FOR THE BETTER !
That’s it. There’s no more. Just do yourself the best favor of your life and get the manual. You and your family’s lives will be changed forever !
The credit score increase claims and time elements in this website are approximations and estimates of past results which may or may not have been achieved solely by using the strategies in the Do It Yourself Credit Repair Manual. Your results will most likely vary based on many factors including your own efforts and expertise. The results on this website are not typical and it is unlikely that you will have the same or similar results. This website and the Do It Yourself Credit Repair Manual are in no way intended as legal or accounting advice and you should seek your own legal and accounting advice before starting any credit repair project of your own.