Credit
Scoring Secrets
I am excited to share with you my new e Book on credit scoring. What you
will find very special about this book, is that it contains the inside secrets
that the credit bureaus don't want you to know. How did I learn these
secrets? Approximately five years ago when I started working in the
mortgage industry, I gained direct access to the credit files at the credit
bureaus. Clients coming into my office would sign a release form, I would
then go online and retrieve their complete credit file. After looking at
hundreds of credit reports and learning the secret "reason codes" listed on all
credit reports, I began to master the process of raising credit scores. I
was able time after time to help clients raise their scores by 50 points or more
in just 45 days.
If everyone knew how to do this, the credit bureaus would have to completely change their scoring system, that's why they don't want you to know. I am also convinced (although this might sound like a conspiracy), that you will not find any books in your bookstore with this information either. Why? Let's just say that corporate America sticks together. In fact, if you do your own research you will find that the credit industry has the largest number of lobbyists on Capitol Hill. These are the people that keep the government from putting a cap on credit card interest rates and recently had all of the bankruptcy laws changed to prevent people from being able to avoid their credit card obligations.
What is unfair, and should be illegal, is the fact that the credit bureaus do not have to disclose the formula being used to calculate credit scores. That's right, you may be getting an "F" on your credit report card, and you don't get to see your test paper after it has been graded. This really violates everything that the Fair Credit Reporting Act was intended to do. That is, create transparency and fairness in America's credit community. I don't like the ambiguity of the word fair, so let me make clear my position and why I hate the current credit scoring system.
Americans Should Have The Right To Know How Their Credit Score is Calculated. Being graded a bad credit risk and then not being given the specifics as to why, is unfair and completely unreasonable. Other than very vague "Reason Codes" you may see on your credit file, you will have nothing to go on other than your best guess. Now, some readers may simply think my position is without merit since we all know what makes up good credit right? Wrong!
Imagine the surprise of one of my mortgage clients when he paid off $10,000 in derogatory items on his credit report and learned that this action caused his credit score to drop 100 points. Yes, you may be penalized for paying off or settling the wrong debts. What about the man that received an offer of a low interest rate credit card. Once he received the card, he transferred the balances from his high rate cards to the new card (I wonder where he got that idea? Probably from one of my early books). Subsequently, he closed the old accounts which he no longer needed. Smart financial move, right? It cost him more than 50 points on his credit score. Consider the couple that keeps open only one credit card account and pays cash for all major purchases. They find out that they don't have a credit score. Without a credit score, they are as bad off as someone without a Social Security number.
I have cracked the credit scoring code and will share with you how anyone can raise their credit score quickly. I have prepared a special report that will provide you with the following information:
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Credit Bureau Reason Codes and What They Mean.
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How To Restructure Your Credit Accounts To Fit The Current Credit Scoring Model.
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How To Decide What Debts or Collections To Settle and Which Ones to Leave Alone.
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How To Know Which Debts To Settle To Get The Most Points.
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How To Talk To Collection Agencies and Work Out Settlements For as Little as 25 Cents on the Dollar.
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My Secret List of Credit Sources That Will Approve Virtually Anyone, Even After Bankruptcy or Bad Credit.
These Are the Same Credit Sources That I Use With My Mortgage Clients. -
How To Get Incorrect Information Permanently Removed From Your Credit File.
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How To Combat Bankruptcy and Other Public Record Filings On Your Credit File.
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How To Obtain Low Cost Legal Assistance To Resolve Credit Bureau Disputes.
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Exactly How Many Accounts and Types Of Account You Need To Have Open.
I will also Explain How To Determine. What Balances To Maintain On Each Account. -
Your Rights Under The Fair Credit Reporting Act .
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The Truth About Fake Credit Scores Provided Through Credit Monitoring Services.
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How To Get An Attorney Involved In Your Credit Dispute For Only $26.
This is an e Book; not a physical book you will receive in the mail. After you order, you will receive an e mail with the entire book in just a few hours. Simply click on the attachment and start reading it on your computer. You will find the e Book filled with links allowing you to simply click on the various resources and you will be taken directly to those websites (if your computer is connected to the Internet).
In addition to the Credit Scoring e Book, I will include the following Free Bonus Items:
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A Complete Copy Of The Fair Credit Reporting Act
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Details on Credit File Piggy-backing and How a Friend or Relative Can Let You Use Their Good Credit History
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A New Report On How To Start an e Bay Consignment Business (One Of The Hottest New Businesses Going)
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30 Days Unlimited e Mail Questions To Discuss Credit Scoring. I Will Personally Answer Your e Mail Questions
Within One Day
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This package
is available for a limited time for just
$17.77 |
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Helping You Make The Most of God's Money!
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P.S. I will also
provide you with copies of the actual letters that I use when contacting the
credit bureau. These letters have been perfected through trial and error
over many years.