I decided to take action and do something about my situation. In less than four months I deleted eleven negative credit items from my credit reports, raised my credit score 106 points, and now have a fresh start. Repairing my credit was actually easier than I thought – once I used the proper techniques. (I’ll tell you exactly what I did in a minute.) First, I want you to know that credit repair is possible – I am living proof of that. Plus, it is one of the best things you can do to improve your lifestyle and financial future. If you have bad credit, then you already know about all the nasty baggage that comes with bad credit like…

“What happened to your credit? It’s a mess. We can’t find a bank willing to deal with credit this miserable…Can you get a co-signer?”

I walked away from that used car guy feeling the red hot shame and humiliation of rejection.

Afterwards I decided to try for a used car loan with my local bank. I did my banking with them for years. I thought “Maybe they will overlook a bad credit score for a loyal customer?”

Boy, was I wrong…

I met with a loan agent named “Peggy”. Peggy was quite friendly at first. She smiled and chatted as I completed the paperwork.

Then Peggy checked my credit report…
As soon as Peggy discovered my dark little secret her mood changed quite dramatically. She didn’t even try to be polite as she rattled off the list of my bad credit items… the Nissan repossession, the Visa charge off, the medical collection….

I sat there feeling like a school boy getting scolded as my face went bright red with embarrassment.

Her judgmental eyes tore into me as she thought “You are one of those people – irresponsible, a deadbeat, a real loser.”

Peggy’s reaction was fairly common. If you have bad credit, then most people assume the worst. They assume that -

• You are a con artist and a scammer

• You have a drug problem

• You have no self-control and overspend on credit cards

You may have learned that bad credit does more than just ruin your good reputation. Perhaps you experienced the rejection and helplessness when trying to get new credit.

Nearly everything nowadays requires you to have good credit. Bad credit is almost like walking around without a name or social security number. Chances are you already found out that.

• You can’t get a new car

• You definitely ain’t getting a home loan

• You can’t get a basic credit card for emergencies

• You cannot rent a decent apartment (although a slumlord might rent to you).

• You’ll have difficulty getting cable or satellite television

• You could be turned away for that new job or promotion – or even fired from your current job.

If you are plagued by bad credit and are experiencing any of these problems, then I am going to help you. But first, I must make a confession – I don’t believe in coincidence or chance. I believe there is a reason for everything. I believe there is a reason this report is in your hands right now.

Repairing my credit changed my life. It dramatically improved my lifestyle and gave me peace of mind. I want you to experience the same feeling and I am going to help you get rid of bad credit.

First, allow me to explain a few secrets the credit bureaus keep hidden from you.

Your credit history is your financial “Report Card.” It is part of your identity. It is an inevitable part of your existence. It is a necessary part of life.

Your credit history is based upon an “Information In, Information Out System.” It works like this:

It is especially difficult to get new credit in 2008 because of the recent problems in the sub-prime mortgage market. Banks nowadays are very suspicious of people with negative credit files. I know a real estate agent who summed up the current mortgage situation in one sentence:

Even if you are lucky enough to get a mortgage loan with bad credit, then you will likely pay high interest rates. This is good for the bank, but bad for you. The bank makes a TON OF MONEY on a bad credit high interest loan.

Banks Want You to Have Bad Credit – If you have a bad credit history, then the banks can justify charging you more interest. It is shocking how much money is taken from you…
in a high interest loan situation. Albert Einstein once said that the most powerful invention he ever saw was compound interest - “Those who understand it, earn it. Those who don’t, pay it.”

Let’s look at the following examples:
A typical bad credit auto loan will cost you an additional $2,220.00 in interest payments
You will pay an extra $306.00 every month on a typical bad credit 30 year mortgage

You might not feel the impact of the interest on a day-to-day basis. However, paying high interest is no different from somebody reaching his grimy little hands into your bank account and stealing your money, day after day, month after month, and year after year.

It is the people with bad credit who pay for the bank executive’s kid to drive a BMW to high school and take exotic spring break vacations. However, banks are not the only “bad” guys.

The Credit Bureaus Could Care Less About Your Bad Credit – The credit bureaus are in the business of making lots of money – not in the business of credit repair. Equifax, one of the three credit bureaus, made a net profit of nearly 275 million dollars last year.

They make their money by selling your credit report – not by fixing it.

In fact, the credit bureaus LOSE money when they fix credit mistakes. When you dispute items on your credit report, the bureaus are forced to check information, verify sources, print paper, process mail, pay postage fees, and pay employees.

That is why the credit bureaus intentionally make it difficult for you to repair your credit.
They want you to get discouraged.
They want you to give up.
They want you to accept the misery of bad credit.

Plus, the credit bureaus “Presume You Are Guilty - Unless You Prove You Are Innocent.” This is completely opposite of the American criminal justice system.

As a result, if the credit bureaus say your credit history is garbage, then your credit history is garbage.

There is no court of appeal, no arbitration board, no hearing, and no higher authority.

To really rub salt in your wounds, credit bureaus keep negative items in your file for SEVEN YEARS! (Bankruptcy and judgments can stay on your credit for ten years or more.)

     

To put it another way, recent bad credit errors or inaccurate information will stick to your credit report and ruin your good reputation until 2015!

That is, unless you do something about it!

So How Do You Fix Bad Credit? To fix bad credit, you cannot simply pick up the phone and ask to have “good credit” again.

I wish it was that easy.

 Fortunately you do have some rights when it comes to repairing your credit reports. The Fair Credit Reporting Act (FCRA) is a law which dictates how credit bureaus maintain your information and handle disputes. In particular, the FCRA states that credit bureaus must delete items that are “out of date, inaccurate, or otherwise unverifiable.” 15 U.S.C. §1681(i)(5)

These rules give you a way to fight bad credit. However, I discovered that there is more to credit repair than just spouting off the FCRA rules.

Do-It-Yourself Credit Repair is a Lonely Road – I initially thought credit repair would be easy. However, I must admit that I hit one brick wall after another. It was easy to send the letters, but getting results was amazingly difficult and frustrating.

It was like being a rodent stuck on an exercise wheel – going round and round without making any progress. One particular night I spent several hours typing up a letter to the bureaus trying to erase the car repossession. After a few weeks they sent me this rebuttal stall letter. I pictured them sitting up in their ivory tower laughing at me.

• What Items Should You Dispute First?
• How Do You Write an Effective Dispute Letter?
• What Happens if You File a Frivolous Dispute?
• How Do You Get Past the Credit Bureaus’ Screening Process?
• How Often Do You Send a Dispute?
• How Do You Respond to a Credit Bureau Stall Letter?
• How Many Items Can You Dispute at One Time?

To be honest, I got nowhere trying to repair my own credit. I felt that I was only making matters worse.

Nevertheless, I was REALLY SICK of having bad credit. I wanted out! I decided to research various credit repair programs. I discovered a law firm that helps people repair their credit reports.

I also learned that this law firm is very experienced in credit repair. Here are some quick facts about the law firm I found:

	They have over 400 lawyers, paralegals, and agents working for their clients
	Last year they deleted 602,879 bad credit items for their clients including tough items like bankruptcy, charge offs, foreclosures, and judgments.
	The law firm is accredited with The Better Business Bureau (BBB)
	They offer a risk-free refund policy

The Magic Formula – Although my lawyers are too modest to call themselves Magicians, I don’t know how else to describe their work on my credit reports.

They started the credit repair process immediately and deleted nine negative items in less than 60 days – including collections, duplicate credit card charge offs, and a delinquent student loan!

As a result, my credit score has already improved by 106 Points!!!

A “Deletion Letter” arrives in the mail each time they remove bad credit items. It is such a relief to finally get good news in the mail.
 

• How to Add up to Three Years of Positive Payment History to Your Credit Report With Just Your Phone or Utility Bill
• How to Use Your “Utilization Ratio” to Improve Your Credit Score
• How to Erase Damaging Inquiries with “Inquiry Investigation”

I realize that everybody’s situation is different. However, the results I have already seen are phenomenal. In just 58 days, my score went up 106 points! It feels great that banks no longer consider me a high risk borrower!

It gives me peace of mind to know there over 400 lawyers and paralegals and agents are working to delete my bad credit.

It is also encouraging that I am executing powerful techniques, improving my credit score, and am becoming “Credit Worthy” again.

How Much Does It Cost? I honestly feel guilty with all the incredible value I received in exchange for such a small investment on my part.

The lawyers at this Credit Repair Law Firm understand that you may be trying to get back on your feet again. Rather than bury you in fees like some lawyers do, they ask for only $99 to get started with your case. They will continue handling your case with unlimited disputes for as little as $39 per month. (You may cancel at anytime.)

Plus, to ensure you are thrilled with the service, they provide a no-risk refund policy.*

I admit that I was hesitant to spend money on credit repair. Now I just wish I had started sooner!

By having a clean credit report I save $86.47 per month by getting rid of a high interest credit card! (This was possible only because of my improved credit score).

What You Get – I found that this Credit Repair Law Firm is a shockingly good value.

Specifically, for just 39 bucks a month, you get an army of experienced attorneys and credit savvy paralegals on your side. Your team will craft effective credit dispute letters, track your progress, monitor your case, and even get on the phone with you to discuss your case…anytime you like!

Plus, you get all of the following:

	Call 1-888-585-3902 for full details
	Unlimited Credit Report Deletions
	Free Support
	Risk-Free Refund Policy
	Same Day Service

Want to Improve Your Credit Even Faster? –No problem. This Credit Repair Law Firm has an upgraded service level. For just a few bucks more per month, you can have service that’s even more powerful and effective.

This includes:

	Goodwill Interventions
	Escalated Info Requests
	Debt Validation
	Report Watch
	Inquiry Assist
	Identity Theft Insurance

Plus, the upgraded service comes with a customized credit score analysis every month. This includes access to top secret credit score improvement techniques. I already used these powerful methods to improve my score!

Repairing your credit is not only a smart financial decision. It is an investment in yourself.

I suffered through the consequences of bad credit. Bad credit caused me to feel angry, desperate, and worthless. More importantly, I disappointed my family because of my bad credit.

The decision to repair my credit was the single best financial and personal investment I have ever made. I now have the peace of mind that I could only wish for a few months ago. In addition, I now feel more confident and optimistic about my future. I can’t wait to experience the feeling of being approved for a new car or home loan!

I encourage you to take the first step towards a brighter financial future. In fact, if you call today you can get a FREE credit repair consultation.

Call Toll-Free 1-888-585-3902

I admit that I was hesitant to pick up the phone and talk to somebody about my credit problems. Plus, I didn’t want to hear a high pressure sales pitch. However, the paralegal I spoke with – Abigail – was super-friendly and knowledgeable about credit repair. Plus, there was no pressure or obligation to buy anything.

I want to thank you for your time and wish you the best of luck.

Sincerely,


Jesse A. Moskel

P.S. I truly hope that you start repairing your credit today. I know how embarrassing bad credit can be. I also know how easy it is to sweep it under the rug and pretend it doesn’t exist. I realize every situation is different, but a credit repair law firm already deleted 11 negative items, raised my score by 106 points! I already feel like a better person. I am so thrilled I took that first step – I want you to experience the same feeling!