Email #1 How can credit repair work for me?
Not only do I have bad credit, I owe everybody
money; Sears, student loan, Chevron, etc.,
thousands of dollars that I had accumulated over
5 years ago.
I now
have a pretty good job $35-$40 thousand a year,
but I have no idea how to even start paying
these bills back. My goal is to buy a house.
I
have the ability to make a house payment, but
with my bad credit I feel like it will never
happen. I am tired of paying rent for what could
be a house payment.
I was
given credit cards with a minimum wage,
part-time job as soon as I had enrolled in
college. I thought it was the greatest thing in
the world then, but now I am 29 years old, and I
realize that these companies are just taking
advantage of college students, and really
screwing up their future credit.
I
would willingly purchase your credit repair
guide if you could reassure me that it could
help my situation.
Author's Reply to Email #1
30 Days To A Better Credit Report ™ is a perfect
product for you! The reason I say this is your
situation resembles the situation many people
are in when they begin repairing their credit.
I
agree, with you about the credit card situation
and college. The very same thing happens to
people just like you every day! That's why
credit repair is need by so many people.
One
of the first things you need to do is take care
of the student loan. This is a very quick fix
and can actually help your credit within 6
months. You can actually make payments for 6
months and it will be removed from the default
status and reported on your credit reports as if
you had never missed a payment - perfect status.
This
is an incentive from Uncle Sam to encourage
defaulted student loan holders to take care of
their obligations.
Second, DO NOT pay anything off just yet,
WAIT! You need to evaluate each and every item
to make sure that you will not damage your
credit even further by assuming the best thing
to do is pay everything of.
My book teaches
you what to pay and what not to pay and why. In
some circumstances you can actually damage your
situation further by paying-off a creditor.
There
is something referred to as the 7-year cycle.
This is the amount of time that a charged-off or
delinquent account can stay on your credit
report without any monetary activity.
By
just sending in a payment or signing an
agreement to pay, you automatically restart the
7-year period from the date that they receive
the monies or signed document from you.
You
need to get your money together and negotiate
with each creditor you are past due with, but
first you need to dispute the negative credit
items. After disputing has cleaned up its
portion of derogatory items you then start
negotiating with creditors. By doing this you
can negotiate all of the negative items off of
your credit report, how is this you may ask?
You
have what they want and they have what you want.
Creditors or collection agencies want money and
you want a signed letter vowing to remove the
negative items from your credit report.
This
is how it is done, and believe me it works.
Cash is a very powerful bargaining tool!
If you have the money and your accounts are 3 or
more years delinquent, you have an excellent
chance for some very quick and most impressive
results.
Email #2 Will your credit repair guide
remove credit inquires? I shopped around for a
new car and ended up with a lot of inquires that
are now hurting my credit.
Author's Reply to Email #2
Yes, inquires can be a real problem for a lot of
people as each inquiry depending on it's
age, may lower your FICO
score.
The
dealerships shop around your credit application.
Each dealer checks with the credit bureaus to
see if you qualify for their standards. Most
Inquires stay on your credit report for a period
of two years.
The
inquiries that break this rule are inquiries by
an existing account such as a visa that is
simply checking your current credit status to
either make sure you are still a good credit
risk or to increase your credit limit.
These
type of inquiries stay on your credit report for
1 year. You can get rid of the inquiries three
different ways. The first by disputing the item
under the premise that you have no knowledge of
the account and it is misreported.
The second by
contacting the company that put it on your
report and telling them the same thing and that
it is effecting your credit report and must be
removed immediately.
Have that
company fax you something stating that it should
be removed.
The
third way is to wait until the two year period
is up and dispute it off under the premise that
the information is outdated and no longer
relevant.
My guide shows you
step-by-step how to do this and provides you
with samples and examples and the forms to do it
all. It teaches you this and to much more to
mention that the credit bureau wish you didn't
know.
Email #3
Okay, you say you can fix bad credit. But can
you do anything about unpaid credit card debt &
medical bills. I am unable to pay the amount of
debt I have incurred. Will your program help me
or do I need to file bankruptcy.
Author's Reply to Email #3
A bankruptcy should always be the very last
thing you should consider, and YES, my book can
help.
There is a section dedicated to debt reduction
that one can use to reduce debt before doing
anything as drastic and detrimental as a
bankruptcy.
First
of all never run from your problems. You need to
contact every creditor that you have and talk to
them. If you explain your circumstances you will
see that they can put you on a plan to help
relieve your debt without destroying your
credit.
For
instances, a credit card company can suspend all
charging privileges on your account, without
totally closing it, and put you on a payment
plan that will drastically reduce your payments
almost by 50%.
It is
more advantageous for the medical billing
companies and other creditors to work with you
on payments than to sell off your account to a
collection company for a smaller percentage of
the amount owed.
This is not always
the case, because some companies would rather
sell off your account than deal with all of the
hassles of billing, but my guide can help you
deal with those types of companies as well.
Avoid a bankruptcy if at all possible and work
out the problem. My guide can definitely help
you if you want to help yourself.
Email #4
Does the guide work in all 50 states?
Author's Reply to Email #4 30 Days To A
Better Credit Report is applicable to all 50
states including Guam & Puerto Rico. The guide
has been sent and used effectively by many of
our armed forces personnel as far as Japan,
China and Germany.
The
guide has helped literally tens of thousands of
consumers with their credit dilemmas. Thanks to
the internet we are now getting much more
exposure and recognition as the nations leading
resource for all credit matters.
Everything in the guide is based on facts, the
law, and actual true experiences. It is 100%
legal. I'm are trying to assist consumers by
providing legal and effective ways to use the
credit laws established by the Federal Trade
Commission.
Negative marks on your credit report will remain
there for 7 to 10 years from the date of last
activity, and possibly longer, unless you do
something about it.
I
encourage you to use the laws and the dispute
process, to remove information on your credit
report that you believe may be misleading,
questionable, outdated, incorrect, or you
believe to be in any way misreported.
I am sure you can
find something wrong with a large percentage of
the items on all three of your credit reports.
Almost 99% of the time you can find something
questionable in your credit reports. Yes, this
guide can help you to avoid waiting 7 to 10
years to have bad credit removed from your
credit reports
Email #5
Your guide sounds great but I am in my 2nd year
of a chapter 13 Bankruptcy and I was told by a
friend that I could get a new social security
number or tax identification number and have NEW
Credit, is this possible?
Author's Reply to Email
#5 First of all getting a second
social security number is totally illegal and I
highly recommend that you don't involve yourself
with anything of that nature.
A lot
of the individuals selling or claiming they have
information of this type are usually just taking
advantage off desperate consumers.
Those
that are actually doing this could possibly face
severe legal problems. I don't promote nor do I
condone any such process. On the other hand, my
credit repair guide has been successfully used
to remove even bankruptcies.
You
may ask how is this possible and how can it be
legal. It is totally legal and performed
everyday. How it is done is by using the credit
laws to your advantage.
You
have the legal right to intervene into the
processes of the credit bureau at any time to
make sure that the personal information that
they are selling about you is absolutely 100%
correct.
You
can challenge almost everything on your credit
reports, even bankruptcy items and total
bankruptcies, legally.
It is
very common for human error to be a factor in a
great deal of the items on your credit report.
It is your job as a consumer to scrutinize every
part of every item for any possible errors and
believed errors.
Once
you find one or believe you have found one, it
is your right within the law to dispute that
item and make the credit bureau prove that this
item is reported exactly as it states.
If
for whatever reason, in the case of public
record items such as a bankruptcy, if it cannot
be verified as being 100% accurate it must be
removed per your request.
A
frequent scenario is the credit bureaus and or
creditors are understaffed to handle such
requests. Maybe the information has been
archived and their computer records are backed
up and it requires too much time for them to
retrieve those records. Whatever the case may
be, if they cannot get that information within
30 days, it must come off if you request it.
Just
as if you go into a courtroom to fight a
speeding ticket and the officer does not show
up, the ticket is dismissed and all charges
dropped. Why, because you are innocent until
proven guilty. Make them prove it or make them
remove it.
You might as well
use your freedoms to your advantage or if you
want, you can just sit back and suffer the
consequences, but don't complain if choose to do
nothing about it!
Email #6
What does your guide consist of?
Author's Reply to Email #6
30 Days To A Better Credit Report is basically a
very simple to understand book. However, this in
not just any credit repair book. It is an
eye-opener! It will explain everything you need
to know in order to restore your credit.
The
guide reveals the credit repair process step by
step, informs you of your rights and teaches how
to DO IT! And it is a great resource not only
for credit repair, but also for debt
consolidation, bankruptcy, and rebuilding your
credit!
The
guide itself is a complete educational resource,
and by far worth well over the $39.97 that I
sell it for. The information can truly transform
your quality of life. How do you put a price on
that?
I cut
strait to the chase and show you how to get
results! It is like no other book on the
internet. This book holds nothing back and shows
you how to test the limits of the law.
The
guide is comprised of 36 reports that will give
you step-by-step examples on how to legally and
effectively repair bad credit from all three of
your credit reports.
It
will also teach you (8) different techniques for
reducing debt and rebuilding credit, how to stop
debt collectors with a single letter, reduce
bankcard interest rates in 5 minutes, and every
legal credit cleaning technique the credit
bureaus wish you did not know.
It is
100% legal and used by many mortgage and lending
institutions across the nation because of its
effectiveness to quickly get results for its
users. Satisfaction guaranteed or your money
back!
Many
are still under the impression that if something
is placed on their credit report that it is
forged in time for a period of 7 to 10 years.
Well it is, and in some instances for longer
periods of time, unless you do something about
it!
The
credit bureaus are not affiliated with the
government. They make their money by selling
your personal information for a profit, so make
them earn their money!
Laws
such as the fair credit reporting act, written
by the FTC, state that the individual has the
right to intervene into the practices of the
credit bureaus, to make sure that the
information that is being distributed is
absolutely 100% accurate.
Make them do their
jobs of verifying the information. 30 Days To A
Better Credit Report will teach you how to do it
effectively and legally.
Email #7
I see that you have a 60 day money back
guarantee. Will it take a year to clean up my
credit?
Author's Reply to Email
#7 In most case no. You can see
accounts disappear from your credit report in as
little as 30 days and a great majority of items
will be deleted in 1 to 3 months. I just want to
give you ample time to see just how effective
the guide truly is.
But
remember, credit repair is an ongoing process
that will take time, depending on how bad your
credit is. But even 90 days is a lot better than
than 7 to 10 years!
The
information in the guide will definitely
enlighten you. There is a lot that the average
consumer is not aware of when it comes to their
credit and their rights.
Secure a copy of 30 Days To A Better Credit
Report today and get started on the path to
greater financial freedom.
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