The Credit Repair Survivor's Manifesto

The TRUTH About Credit Repair...

2009-05-18T04:59:00.000-07:00

==========================-by Jay Peters(C) Copyright Jay PetersAll Rights Reservedhttp://vur.me/GetItNow/CreditSecrets==========================Have you ever wondered what companies send you when they claim you can erase bad credit overnight? How about those ads that say you can get any major credit card without a deposit or a credit check?Ads abound almost everywhere these days (online and off)

Insider Techniques To Raise Your Credit Score FAST

2009-05-04T08:15:00.000-07:00

>>CREDIT SECRETS BIBLE RECOMMENDED<<>For more information on the "CREDITSECRETS BIBLE" you may visit:http://vur.me/GetItNow/CreditSecrets

The TRUTH About Creating An Alternate Credit File

2009-04-21T12:06:00.000-07:00

=============================-by Jay Peters(C) Copyright Jay PetersAll Rights Reservedhttp://vur.me/GetItNow/CreditSecrets=============================To View This Article On The Web Click Link Below:http://creditsecretsbible.org/articles/TruthAboutNewCreditFile.htmTo Watch The Video, Visit:http://www.creditsecretsbiblevideos.com/truth-about-alternate-credit-file-youtube.php Dear Entrepreneur,

Credit Card Fraud Made Easy

2009-04-12T10:22:00.001-07:00

For more information on the "CREDITSECRETS BIBLE" you may visit:http://vur.me/GetItNow/CreditSecrets

AUTHORIZED USER ACCOUNTS: Why This Credit Repair Strategy STILL Works!

2009-03-30T04:53:00.000-07:00

For more information on the "CREDITSECRETS BIBLE" you may visit:http://vur.me/GetItNow/CreditSecrets

Trans Union

2009-02-23T10:59:00.000-08:00

Honesty, Experience, and Relationship—That is What Trans Union is in Credit Score Management and InformationAre you having trouble getting your loan application approved?Probably you are one of the millions of individuals who are having trouble getting their loan application approved. They have complied with the requirements and submitted necessary documents, yet they always got a negative

2009-02-14T20:10:00.000-08:00

For more information on the "CREDITSECRETS BIBLE" you may visit:http://vur.me/GetItNow/CreditSecrets

High or Low: Keeping Track with National Average Credit Score

2009-02-12T14:20:00.000-08:00

Credit is said to be a system of buying and selling without immediate payment or security. Credit may be in the form of credit cards or loans.Any individual who desires to process a credit card or loan application will have to abide by the rules and regulations set forth by the lender. An important factor for any credit application to be approved is your credit score.A credit score is the

7 Steps to a 720 Credit Score: Part I

2009-02-05T05:36:00.000-08:00

For more information on the "CREDITSECRETS BIBLE" you may visit:http://vur.me/GetItNow/CreditSecrets

Why You Should Never Own a Debit Card

2009-02-01T05:56:00.000-08:00

-by Caroline Fouts(C)Copyright Consumer Publishing GroupAll Rights Reservedhttp://vur.me/GetItNow/CreditSecrets=======================================Debit cards have become a verypopular way to pay for everything fromfast food to rental cars. The FederalReserve reports that debit cardtransactions have been growing more than20 percent annually and have surpassedcredit card transactions.The appeal

7 Steps to a 720 Credit Score

2009-01-24T16:39:00.000-08:00

John VJohn C Vincent/President & CEO The 0pt-In Marketing SystemThe "CREDIT SECRETS BIBLE" has been in print since 1994 and is published by Consumer Publishing Group. For more information on the "CREDIT SECRETS BIBLE" you may visit:http://vur.me/GetItNow/CreditSecrets

Why You Should Never Own a Debit Card

2009-01-23T14:02:00.000-08:00

=======================================Why You Should Never Own a Debit Card-by Caroline Fouts(C)Copyright Consumer Publishing GroupAll Rights Reservedhttp://vur.me/GetItNow/CreditSecrets =======================================Debit cards have become a verypopular way to pay for everything fromfast food to rental cars. The FederalReserve reports that debit cardtransactions have been growing more

Secret to Improve Your Credit Score Fast!

2009-01-21T05:38:00.000-08:00

How to Make Yourself Virtually Identity Theft PROOF in 60 Minutes or Less

2009-01-20T02:29:00.000-08:00

=======================================The "CREDIT SECRETS BIBLE" has been inprint since 1994 and is published byConsumer Publishing Group.For more information on the "CREDITSECRETS BIBLE" you may visit:http://vur.me/GetItNow/CreditSecrets=======================================How to Make Yourself Virtually IdentityTheft PROOF in 60 Minutes or Less-by Terry Price(C) Copyright Terry PriceAll

Debit Card

2009-01-11T11:59:00.000-08:00

CPN Number

2009-01-08T04:46:00.000-08:00

Facts Consumers Should Know Before Using A Credit Repair Company

2007-08-22T03:34:00.000-07:00

Have you ever wondered about those ads you see from companies and law firms which offer to fix your credit for a low monthly fee? People with credit problems often ask me when it comes to improving their credit score whether they should hire a credit repair company or do it themselves? Unfortunately, there is no simple or universal answer to this question. However, I will shed some light on the

Five Things Every Woman Should Know BEFORE Signing Any Credit Application!

2007-08-12T21:38:00.000-07:00

-by Terry PriceHave you ever wondered if banks have a tendency to approve credit cards and loans for one sex more than the other? If you are married (or plan to be) I will share with you five vital keys every married person should know before signing any credit application.VITAL KEY #1: According to the Federal Equal Credit Opportunity Act (FECOA) creditors cannot deny consumers access to credit

The TRUTH About Creating An Alternate Credit File

2007-08-02T12:50:00.000-07:00

What if I told you there was a way you could solve all your bad credit problems overnight by creating a brand new credit file in 24hrs - would you be interested? And what if I told you this program was 100% legal and even backed by the federal government - would that sound too good to be true?Well... you're right. It is too good to be true but these types of ads are now surfacing again after the

Facts You Should Know BEFORE Considering Credit Counseling or Debt Consolidation

2007-07-27T22:42:00.000-07:00

There is one topic which every time I write about it seems to generate some hate mail while at the same time spawning a flurry of wonderful praise from consumers. Of course, the hate mail is always from a few people that happen to own these "certain types" of businesses I discussed and those businesses of course are Credit Counseling or Debt Consolidation companies; of which many "claim" to be

Insider Techniques To Raise Your Credit Score... FAST!

2007-07-24T12:14:00.000-07:00

If there is one question I'm asked by consumers more than any other about credit, it's this "What's the fastest way to raise my credit score?". My response is always the same "How much do you want to raise it?"If you wish to increase your score from 580 to 650 then your strategy will be very different from someone wanting to go from 670 to 725. Why? Because you starting point is different which

Is Your Credit Score Costing You A Fortune?

2007-07-21T10:28:00.000-07:00

While some surveys show that 9 out of 10 consumers are unaware what their credit score is, I'd like to quickly share with you how your credit score could be costing you a fortune (in more ways than you can imagine).We all know a low credit score will make everything in the world of finance more expensive because of higher interests rates from lenders due to being considered a greater credit risk

The TRUTH About Credit Repair...

2007-07-05T02:44:00.000-07:00

Have you ever wondered what companies send you when they claim you can erase bad credit overnight? How about those ads that say you can get any major credit card without a deposit or a credit check?Ads abound almost everywhere these days (online and off) selling books, systems and secrets to help you fix your credit. Many of these programs have claims which read like the covers of supermarket

Using The Snowball Effect To Eliminate Your Debt

2007-07-04T11:16:00.000-07:00

Personal debt levels are at record highs thanks to years of cheap and easy access to credit. For some people, debts can get out of control and become a real problem, threatening their financial futures and even leading to bankruptcy. For most people, however, debts are a burden which cause stress and worry without seriously risking insolvency or foreclosure.If you're one of these people, you've

Five Things Every Woman Should Know BEFORE Signing Any Credit Application!

2007-06-26T02:17:00.000-07:00

Have you ever wondered if banks have a tendency to approvecredit cards and loans for one sex more than the other? Ifyou are married (or plan to be) I will share with you fivevital keys every married person should know before signingany credit application.VITAL KEY #1: According to the Federal Equal CreditOpportunity Act (FECOA) creditors cannot deny consumersaccess to credit because of their sex.

Warning Signs of Credit Repair Rip-offs

2007-06-18T08:49:00.000-07:00

"Your credit will be erased permanently!"; Does that offer sound too enticing to dismiss? Maybe so. Especially for those who are awfully troubled by financial crisis and debt. They may be so desperate about their bad credit that they would take any offer of help as appealing as that. But before you take that plunge, be warned! There are many companies out there, disguising as help who are only

Credit Card Debt as a silent financial killer

2007-06-03T10:55:00.000-07:00

So what is Credit Card Debt really all about? My Report includes some fascinating information about Credit Card Debt -- info you can use, not just the old stuff they used to tell you.If you find yourself confused by what you've read to this point, don't despair. Everything should be crystal clear by the time you finish.Technology spoils people’s whims. It tends to cater to every human’s caprices.

Warning Signs Of Credit Problems

2007-05-19T03:14:00.000-07:00

Are you consistently charged late fees on all your bills? Is it hard to decide which bills to pay each month? Do you spend more than 20% of your net monthly income to pay for your credit cards? Have you ever borrowed money to make payments on existing loans? Are your credit cards maxed out most of the time? Do you have so many credit cards that you can only pay the monthly minimum? Have you ever

Credit Card Debt As A Silent Financial Killer

2007-05-09T15:29:00.000-07:00

How To Use A Credit Card To Help Repair Your Credit

2007-04-28T13:56:00.000-07:00

Getting into a state of bad credit is never fun. It does not,however, mean that your fun is entirely over. There may be somerather simple things that you can do about it. One of these isto get another credit card. Not just any credit card, but onethat will help you to repair your credit. Here are some thingsyou need to know about it.Depending on just how bad your credit is, there may be morethan

Strategies For Coping With Your Debts

2007-04-18T04:03:00.000-07:00

If you're struggling with debt problems it can seem like you're trapped in a never-ending fight to keep your head above water, desperately juggling your finances around to keep your creditors happy. It can also seem like you're alone in your struggle, but this is very far from the truth. Millions of people have at one time or another been in a similar situation, and even though it might currently

How To Use A Collection Agent To Repair Your Credit

2007-04-10T16:54:00.000-07:00

Your credit rating is determined by your credit report. If youobtain a loan from a bank, credit card company, or other loanestablishment, your ability to make your payments on time isreported to a credit reporting agency. Credit reportingagencies then compile this financial information into apersonalized credit report, the key to a positive – or negative– credit rating. Any negative notations

Credit Repair

2007-04-02T13:22:00.000-07:00

Getting your credit back on track can be a real task, anddealing with credit repair can be like searching for a needlein a haystack. Many so called credit repair companies are outto take you for a ride financially and not truly out to helpyou. In fact, many credit repair companies are all aboutcharging you money for something you could do yourself forfree. So the first aspect of dealing with

Credit Repair: Is Self Help Best For You

2007-03-22T14:28:00.000-07:00

It now seems almost impossible to turn on the TV or open anewspaper any more without seeing another advert for somecredit repair service. My email box is overloaded with subjecttitles like “Credit problems? No problem!” or “We can eraseyour bad credit — 100% guaranteed.”. This must be a greatbusiness to be in, some of these companies are now usingtelemarketers to offer their services. They all

Erasing persistent credit report stains

2007-03-14T18:11:00.000-07:00

Dear Bankruptcy Adviser,I filed for Chapter 7 bankruptcy in June 1998. I understand the public record will remain on my credit file for 10 years until June 2008. However, I've heard, but not been able to verify, that any accounts on my credit report that were included in my bankruptcy may be removed after seven years. Is this true? If I'm able to remove the accounts included in the bankruptcy,

Credit Repair Made Easy

2007-03-10T01:09:00.000-08:00

In recent years, more people than ever before have found themselves deeply in debt with no remedy in sight. For many of those people, filing bankruptcy seems the only answer. In the majority of cases, however, this is not the case. With some careful planning, skilled help and patience, people can repair their credit.The first step toward repairing credit is to find out exactly what is owed and to

Credit Repair After Bankruptcy: Your Options

2007-03-03T06:56:00.000-08:00

When it comes to credit repair after bankruptcy you have essentially three options:1) Hire a credit repair company2) Buy credit repair software3) Do it yourself (free!)Before we go further, for the purpose of this article "credit repair" means the removal of any inaccurate or obsolete negative information from your credit report - not the removal of accurate non-obsolete negative information from

Consolidate Bills And Turn Around Your Mounting Debt

2007-02-27T09:30:00.000-08:00

Did you know that you can consolidate bills to gain control of your financial affairs? If you are feeling overwhelmed by mounting debt and the high cost of servicing it, debt consolidation may well be your key to freedom. Robbing Peter to pay Paul can end up being a lifestyle when we are drowning in debt, yet simple strategies such as debt consolidation can reverse the downward spiral and turn

Credit Cards To Avoid

2007-02-20T11:43:00.000-08:00

Not every credit card is a good one - just because it promisesa few good things. The truth is, that you really do not knowjust how good a credit card might be until you read the fineprint that gives you all of the details. Merely comparing a fewof the more open and upfront (on the advertisement) featuresmight give you a starting place, but you should go a littledeeper than that in order to get a

Credit Repair Secrets That Work

2007-02-13T17:34:00.000-08:00

Credit Repair PaysThe impact of bad credit can be significant. Over the years we have helped tens of thousands of our customers successfully repair their credit reports. Credit report repair takes effort and patience. But it is an effort that is well rewarded. We would like to offer some tips for those that would like to undertake the process themselves. It can be done!Time for a Credit Report

Credit After Bankruptcy

2007-02-10T08:11:00.000-08:00

Credit After Bankruptcy - Ways To Improve YourChances Of Getting Approved For A LoanBankruptcy doesn’t have to prevent you from securing credit.With some research on your part and careful financial planning,you will improve your chances of getting approved for a loanwith reasonable rates and terms. It all begins by cleaning upyour credit report and slowly opening new credit lines.Take Advantage

What is Credit Repair?

2007-02-08T10:59:00.000-08:00

The term Credit Repair is actually a term applied to the practice of improving or rehabilitating one's financial reputation (creditworthiness) among creditors.Raise your credit score yourself using this complete Self Credit Repair Information Guide!Whats Included:*Inside of Credit Scoring*Inside the Credit Bureaus*What is your Middle Score*A Bad-Good-Great Score*Inside The Credit System*Credit

Credit repair and what you can do honestly and within your legal rights.

2007-02-07T19:24:00.000-08:00

Getting your credit repaired is not just a matter of knowing how to deal with creditors, collection firms, and consumer reporting agencies. It is also essential that you know your legal rights under the laws dealing with credit reports and credit repair organizations. Knowing your rights will aid you in your fight to regain a respectable credit rating, and will also help you to avoid the danger

Repair Bad Credit With Debt Consolidation Loans

2007-02-01T21:55:00.000-08:00

Bad credit? Debt consolidation loans are an effective strategy to help you overcome bad credit and get back on the road to credit health. Does it seem strange that a finance company would offer someone with bad credit debt consolidation loans? There are many credit and finance agencies that offer specific bad credit debt consolidation loans that will help you get all your debts into one

Credit Card: The Scams That Will Make You Lose Your Wits

2007-01-28T10:55:00.000-08:00

In almost all aspects of life, there have been scams which develop in no time at all.There are these individuals who happen to have the least concern for the rest of the citizens that they take pleasure from creating scams. The newspapers and the television news tell us about the daily occurrences of these scams. It is just too sad to note that credit card scams are likewise all over the

New Credit File - The Dark Side Of Credit Repair

2007-01-25T22:04:00.000-08:00

Please see the Disclaimer at the end of this article~John C VincentBad credit rating drives some to the extremes. Starting a new credit file is one of these extreme measures. A new credit file will not contain any of the previous credit information on it, neither the bad nor the good and certainly not the ugly. The main reason this is even possible is the information overload. Think about it.

Don't Let Credit Card Debt Get You Down

2007-01-23T21:53:00.000-08:00

Americans all have something in common. Liberty? The right to the pursuit of happiness? No, it's debt. No one starts out as a young person looking forward to having a lot of debt when they get older. But before we are even out of college, we have probably accumulated some debt in the form of college loans and credit card debt to pay for books and clothing. The next thing you know, you are married

Judgment Proof, Credit Repair And You

2007-01-19T22:58:00.000-08:00

Being deeply in debt usually means that the credit rating is also badly damaged. For some folks in this difficult position, doing nothing could be an effective way of dealing with their loans and credit situation and this is where the clarification of the term “judgment proof” comes in.People with very little income and property without expectation of change in either have really nothing to lose.

Tips For Avoiding Credit Fraud

2007-01-17T02:19:00.000-08:00

There are a variety of ways that thieves can get your information and use your cards to make purchases. Here are afew of the more common ways:You pay for dinner at the restaurant with your credit card.Your waitress takes the card to the register, processes the transaction and returns it. What you didn't see was the copy of your card details that she made, and later used it to make purchases

Credit Repair Myths Exposed

2007-01-14T15:08:00.001-08:00

If you’ve done any searching on the Internet for information pertaining to “Credit Repair,” you’ve no doubt found that there’s a great deal available. Unfortunately, there’s also a lot of misinformation as well. Let’s take a look at some of the most common misstatements you’ll come across and examine them in detail.MYTH #1“Credit repair doesn’t work!”While it’s true that credit repair is more “

Understanding The Credit Score Rating Scale

2007-01-11T20:58:00.000-08:00

Anyone who has checked into their credit score has probably found the rating scale to be somewhat confusing. There are abunch of numbers, each meaning something different. Understanding how this rating works will help you to read your credit score effectively.There are several pieces of information reviewed by companies when they build your credit score. These factors include the following:- Your

Request for Credit Report Rart 2

2007-01-08T18:45:00.000-08:00

CREDIT SECRETS BIBLE If You Can Read and Write at the 7th Grade Level Then I’ll Show You How To RAISE Your CREDIT SCORE up to 249 Points in Under 90 Days... So You Can Be APPROVED For That CAR, HOME, (even Business Loan) and Credit Cards You DESERVE!Here's Part 2 , Dispute Letters to the Credit Reporting Agencies:Sample Letter 4 - Notice of Intent to File ComplaintYour Name123 Your Street

Request For Credit Report Part 1

2007-01-05T07:18:00.000-08:00

As promised from my last post, here are some Dispute Letters you can send to the Credit Reporting Agencies.Sample Letter 1 - Request for Credit ReportYour Name123 Your Street AddressYour City, ST 01234Big Credit BureauTheir Street AddressSome City, ST 5678912/10/2007Dear Credit Bureau,Please send me a copy of my credit report.My full name is Your Name.My birth-date is 01-01-1950.My Social

HOW TO ACTIVATE A BANKER’S DESIRE TO FORCE MONEY INTO YOUR HAND

2007-01-03T07:55:00.000-08:00

By applying for credit through a bank of other lenders that subscribes to a credit reporting agency outside the area, there’s every reason to believe that some damaging information will not appear in your file. Remember, the only way bankers and lenders can survive is to extend credit to consumers. By taking steps to side-step one credit report that has negative entries, and taking advantage of

The High Cost Of A Poor Credit Rating

2006-12-30T09:15:00.000-08:00

Is your credit rating good or poor? If you've recently been turned down for a credit card, store card or loan, it could be because you've paid off everything so perfectly that you have no credit history. But it's more likely to be because your credit rating is poor. And this means it could be difficult to get credit at a price you find attractive.What Makes A Poor Credit Rating?Applications for

The Truth About Creating An Alternate Credit File

2006-12-22T22:43:00.000-08:00

Well... you're right. It is too good to be true but these types of ads are now surfacing again after the Federal Trade Commission launched "Operation New ID Bad Idea" over 8 years ago. This operation targeted (and took down) over 50 credit repair organizations and companies selling consumers both pamphlets and services giving them a brand new credit file under the pretense it was 100% legal and

Credit Card Debt: Do You Need Credit Help?

2006-12-18T17:13:00.000-08:00

If you have credit card debt it is important to take it's measure from time-to-time to determine whether or not you have a problem with your debt. If you are carrying a balance on more than one card (or simply a sizable balance on one card) then you could have a problem.There are five reasons why you should seek credit help to deal with your credit card debt.The biggest reason is that credit card

THE CREDIT MASTERY COURSE

2006-12-05T20:12:00.000-08:00

While cruising the NET I came across this website and I couldn't believe what they were offering. Talk about a complete package, I immediately thought of you, my blog reader. So I typed everything down and here it is:This course is actually 4 courses in one.1) How to Get Out of Debt & Improve Personal Credit2) How to Establish Business Credit (even if your personal credit is shot)3) How to save

Credit Repair Secrets Only The Insiders Know

2006-12-04T11:02:00.000-08:00

Don’t worry if your score isn’t considered “excellent” or even“good”, there are plenty of lucrative investment plans available for you. However, as your credit score increases so will the number of investment plans available to you. That is why it is important for you to improve your credit score. The more investment options available to you, the more quickly you will be able to achieve and

The Old "New Credit File" Scam

2006-12-03T15:01:00.000-08:00

By now, you have undoubtedly seen many ads and some Spam e-mail regarding a "fool-proof" way to create a "new credit file", otherwise know as "File Segregation"."File Segregation"What is it?File Segregation, (known as 'Getting a New Credit File') is the process of obtaining a separate identification number, usually a federally issued EIN (Employer Identification Number) or TIN (Taxpayer

Avoiding Credit Repair Scams

2006-11-30T11:37:00.000-08:00

If you are one of those less fortunate souls with a bad credit, you have probably come across advertisements in newspapers, TV, radio and on the Internet, claiming efficient credit repair services, including removal of bankruptcies, creation of new identities and deletion of all records of bad credit.But the truth of the matter is that these credit repair companies over claim but can not deliver.

Get Your Credit Report & Analysis

2006-11-28T14:00:00.000-08:00

It is very important to get your credit report and analysis.Why is this important? For one thing, if you're thinking about buying a house or applying for credit for any other big purchase, you'll need a clean credit report, and it's always best to get your credit report and analysis before your lender does. This will give you an opportunity to clean up any discrepancies or errors, which are

Good News – Bad News On Using A Credit Repair Service

2006-11-27T18:49:00.000-08:00

If you do a search on the term credit repair in google, the first website that comes up in the natural listings is the Federal Trade Commission. And the first thing they discuss is that people should really do their own credit repair work.The reason why? Because of all the scam artists out there that profess to be an expert on credit repair and take advantage of many unsuspecting consumers. And

What Is Credit Repair?

2006-11-15T12:57:00.000-08:00

Hi AllI just going to give you a short definition:Credit repair is the process of improving your credit score by fixing errors on your credit history or by taking the necessary steps to repair your poor credit. Step one in the credit repair process is to view your free Credit Report and Credit Score online and check for signs of fraud, including:1) New accounts opened without your authorization;2

Introduction To Repairing Your Credit Rating

2006-11-13T14:48:00.000-08:00

Welcome, my name is John C Vincent.Occupation:Internet MarketingI make a pretty good living on the NET, in fact my income is derived exclusively from my internet business and life is good.But it wasn't always that way.The year was 2003, the month was May. I had gone to bed early on a Saturday night. When I woke Sunday morning I went straight to my computer and discovered something strange. As I