Is Your Life A Constant
Struggle Because You Have Bad
Credit?
How would
you like to be able to...
Remove Collections,
Chargeoffs, Judgments, Bankruptcy, Credit Inquiries
or
any Bad Credit From Your Credit
Report?
Well good,
because soon you will be able to proudly
run a credit check with no
shame!
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Do You Really Want To Live Like
This?
You got into an accident by no
fault of your own and your car is totaled.
Because it's such an old car, it's worth more
alive than dead and you can't get enough money
out of it to get another one. How are
you going to get to work, grocery store, pick
up kids, etc.?
Your refrigerator died and all the food is
starting to spoil. You hop on over to the
nearest appliance store to get a new one and
apply for financing. After what seems like
hours, the salesperson comes over to you and
says that you've been turned down because of
your credit. How are you going to
manage without a refrigerator?
You can't send your kids to college because you
don't have any money and no one will give you a
loan since your credit is so bad. How
are you going to explain that to your
kids?
You can't get a student loan to finish college
because you partied a little too hearty with
your credit cards and didn 't pay them
back...now your credit stinks! How are
you going to be able to get your degree and
graduate?
Your dog ate an apricot from
the backyard and the pit got stuck in his
stomach. He needs an expensive surgery to have
it removed or he will die. You don't have the
money and your credit is so bad, no one will
approve you for any. Do you have to let
your dog die?
You're afraid to keep money in
a bank account because you're worried that the
account will be levied and the creditors you
owe money to will suck it all out....
Will you always have to " pay" to get
your checks cashed?
The rate on your mortgage has adjusted and the
payments went up higher than you can afford to
pay. You're trying to refinance, but because of
your low credit score, you can't qualify.
If you can't make the payments, you're
going to lose the house...
Your house was foreclosed upon and you need to
find a place to rent. All the landlords you've
contacted want to check your credit and none of
them have agreed to let you rent from them
because it's that bad... Where are you
and your family going to
live?
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Did You Know That It Costs Much
More To Do Nothing About Bad Credit Than It Does To
Optimize It?
~You may not realize it, but every 1% point on
a thirty year mortgage is equivalent to about
25% of the amount financed: $200,000.00 loan at
7% will cost you $60,000.00 MORE over thirty
years than $200,000.00 at 6%.
~A $25,000.00 auto loan for 5 years at 6% will
cost you $7,500 if you have good credit. With
bad credit, the same loan at 18% will cost you
$22,500....that's $15,000 MORE!
~The difference in monthly auto insurance rates
can differ approximately $200 a MONTH between
someone with good credit versus someoine with
poor credit. If you're the one with poor
credit, you're paying $2,400 MORE every year,
over someone with good credit.
Now you know
that THOUSANDS OF DOLLARS can be saved by
having "good" to "excellent" credit
scores. A good credit score by today's
standards would be 720 and
above.
An
excellent credit score (760+) is what you want
to aim for if you want the absolute best
interest rates and
terms.
Bad
Credit Can Be Very
Costly!
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Whether you have
NO Credit, LOW Credit, or BAD Credit – Don't let it stop
you from taking charge and reclaiming your
life.
Introducing...
"Surviving Your Credit
Meltdown"
Learn the hidden tactics the credit bureaus don't want the
general public to use because they are forced to remove those
negative
items which hurt you!
I'm going to teach
you everything you need to know in my course,
“Surviving Your Credit
Meltdown". Here you will be armed with
all the tools to skyrocket your credit score and start
taking advantage of the many benefits that come with
it.
I will help you improve your Credit Rating by
showing you 8 Simple Steps to
improve the accuracy of your Credit Report and educate
you on how to maintain your restored
credit.
I guarantee that
with “Surviving Your Credit
Meltdown"
you'll totally understand the
inner workings of our credit system – and be able to
immediately use your newfound knowledge to your
advantage.
Heck,
even most millionaires don't know this stuff.
Regardless of the credit hole
you've dug for yourself, I can show you how to
dramatically improve your credit score and clear your
credit report in less than 90
days.
Let's
face it: No one is immune to credit difficulties; circumstances
change. Even people who have tucked money safely away can get
into financial trouble.
And,
that's exactly why “Surviving Your Credit
Meltdown" was created to help you turn your
financial woes into credit building
opportunities.
If you
have a less than desirable credit score or if you don't have a
clue what your credit score actually
is, then “Surviving Your Credit
Meltdown"
is for
you.
After living with
less-than-perfect-credit myself for a period of time, I
know what it feels like not being able to use credit as a
financial tool and being cut off and shut out when I
really needed it.
I want to
assist YOU to regain this vital tool for life, GOOD
CREDIT.
You do not have to live with bad
credit...
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Dealing
With The Credit
Bureaus…
What are the legal time
frames the bureaus must adhere
to after you submit a dispute,
and how do you benefit if they
run out of time before
resolving your
dispute?
What is the
most effective way to submit
disputes with the credit
bureaus?
How to take advantage
of the BEST TIMING! Discover
the best time of year to
contact credit bureaus about
your
disputes.
Exactly WHAT should you
dispute on your credit
report?
How do you dispute
multiple items on your credit
report, so the credit bureaus
do not consider your request as
being "frivolous" or
"unlawful"?
Why you DON'T want to
send in any kind of proof of an
item you're
disputing....
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Once You Get
Your Report
Back...
I'm also going to teach
you tips and tricks on how to
deal with legitimate derogatory
items that
REMAIN on your
credit report, in an effort to
get them removed or
resolved...
ACCOUNTS WITH LATE
PAYMENTS
INQUIRIES
CHARGE
OFF’S
REPOSSESSIONS
COLLECTION
ACCOUNTS
BANKRUPTCY
JUDGMENTS
TAX
LIENS
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WAIT!
That's Not All...
Because of the current state of the economy,
I want to do more than just show you how to repair your
credit.
I want to empower you
with information on credit that you've probably never even
heard of.
So,
in addition...
I've attached
38 MORE Chapters...
Yes, you read that
right...38 more chapters! You're going to know just about every
single fact on how your credit scores are derived, what you
need to watch out for, what habits you need to implement, and
much, much more.....
Here's some highlights
of other Popular
Chapters:
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COLLECTION
ACCOUNTS
How do Collection Accounts
affect my credit?
How do I get rid of
multiple entires showing for the
same account?
How do I erase Collection
Accounts off my credit?
When NOT to pay a
Collection Account...
How to negotiate a
settlement AND get it removed from
your credit report...
What are my rights? A Debt
Collector CANNOT...
Can the Collection Agency
file a lawsuit against me?
How can I STOP the Debt
Collector from calling
me....EVER? |
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DIVORCE &
CHILD
SUPPORT
How can Divorce impact my
credit?
My ex is racking up the
credit cards...I need it to
stop!
How do I separate our
jointly held accounts? Who gets the
house and the mortgage?
What happens if I don't
separate my credit from my ex?
I don't have my own credit
without my ex...what do I do?
Can I get Child Support
paid to me automatically?
What happens if I don't pay
Child Support?
How does Child Support
impact my credit?
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ESTABLISHING
CREDIT
I have
no credit at all....how do I go
about establishing credit?
What is the best age to
start establishing credit?
How do I establish a strong
credit history?
Can Student Loans help me
establish credit?
I'm an Authorized User on
someone's account....does this help
my credit?
Will getting someone to
Co-Sign help me build credit?
What is a Secured Card and
can I get one of those to build
credit?
How can I get my cell phone
or electric company bills to report
on my
credit? |
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Now, Let's
Take This Even
Further...
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You'll also
find out things you've never
known about credit, which will
keep your credit score at
heights you've never seen
before!
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-
Annual
Fees
- Apartment
Leases
- Balance-To-Limit Ratio-aka Credit
Utilization
Rate
- Balance
Transfers
- Chex
Systems
- Closed-Paid-Settled
Accounts
- Credit
Limits
- Deferred Payment
Accounts
- "DOLA" Date of Last
Activity
- Duplicate
Accounts
- Employment
Information
- Identity Theft, Fraud Alerts &
Credit Freezes
- Inactive
Accounts
- Medical Bills
Mortgage
Lenders
- Military - Active
Duty
- Moving to/from the
U.S.
- Name
Variations
- Opt Out of Pre-Screened Credit
Offers
-
Scams
- Statements Added To Your
Credit History
And We
Don't Stop There...
You're also going to
get
Sample Letters that you can use
to:
- Creditor, Please Remove
Late
Payments
- Dispute Items Through the
Credit
Bureaus
- Dispute Errors on Credit
Card
Bills
- Confirm Payment
Arrangements
- Close Inactive Accounts
with Zero
Balances
- Debt Settlement Offer
Letter
- Payment Refusal & Termination
Letter
- Letter to STOP Debt Collection
Calls
Plus....
A script that you can use
to Negotiate Lower Payments with
your creditors!
Everything a Credit Repair Company
Does
You Can Do It
Now Too...
Wouldn't it be great to walk into any
bank, car dealership or store and apply for credit with
all the confidence of knowing you'll be
approved?
This stuff
really works! If you want to increase your credit scores, it
doesn't get any easier than this. Just read, follow directions
and sit back and watch it happen. It's not rocket science or
brain surgery and anyone who can read, can do
this.
"Surviving Your
Credit Meltdown" is way more than a simple credit course.
It's a comprehensive, step-by-step, easy to follow,
complete credit course which covers everything you've
ever wanted to know about credit reports, bill
collectors, credit bureaus, loans, banks....and
more!
Most
Importantly, you'll learn Step-By-Step how to increase
your credit score fast! These secrets can save you
literally thousands of dollars, as well as get those
pesky creditors off your
back.
Check
out some testimonials from others who have bought this
book...
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No matter how you slice it, divorce
is difficult. For me, dealing with credit issues
throughout my divorce process was an underlying
source of stress and strain. I was in an enormous
amount of denial when it came to accepting the fact
that my credit may get destroyed if I didn't inform
myself wisely. I searched online and came up with a
lot of what I call "bogus" websites on how to
prevent my credit from going down the toilet. My 30
year good credit history was in jeopardy and I knew
I needed to act fast! I found Taylor McKenzie's
"Surviving Your Credit Meltdown" online and I found
the book to be highly informative and very useful
for my needs with the divorce. I learned what to do
and most importantly what NOT to do. The book
empowered me to save what I had worked so hard for
my entire adult life.
The tips helped me survive the divorce in more
ways than one. I didn't want to lose my dignity
over this life change and the book's 8 Step
System was very user friendly and useful for
me. Also, with time of the essence I was able
to easily navigate the program with ease and
expedition. I am happy to say that I have come
through the divorce process free from any
credit blips. I took control and used
"Surviving Your Credit Meltdown" excellent
wealth of information to come through clean!
Today my score is actually better than it was
when I was married, that says a whole lot for
the program and what it has done for me
financially and emotionally! I highly recommend
"Surviving Your Credit Meltdown"...it worked
for me!
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| Donna Persico |
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Buying Taylor McKenzie's Credit
Trauma Book was one of the best things I have done
recently to help me a great deal when negotiating
with my lender regarding my short sale of my home.
Her book helped me to understand what the lender
was looking for, and what to do so it would only
affect my credit score as minimally as possible
under the circumstance.
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| Mark Robson |
How
Do You Know If This Program Is For
You?
You Need This Book
If...
- Your credit score is below
720
- You're sick of being turned down for
credit
- You want the best interest rates on
credit cards, home loans and auto
loans
- You want lower payments on your home
and/or auto insurance
- You want to get a job in an industry that
has a credit check
requirement
So, if you order TODAY,
I'm going to throw in
2
Never-Been-Offered-Before
BONUSES!!!!
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1st BONUS
- Value
$29.00
In this first BONUS, you're going to
get 3 videos walking you Step-by-Step through
AnnualCreditReport.com's on-line dispute
system.
Because you only get ONE SHOT each year to
dispute any errors and inaccuracies through
each bureau on-line, these videos will be an
invaluable source of information to make sure
you get it done RIGHT THE FIRST TIME! Once
you get out, you cannot get back in for another
year!
You'll be guided though all the screens so you
become familiar with what each looks like and
get an idea of what can be accomplished through
each bureau.
Make sure you watch these videos before you try
it yourself, so you are armed with the
knowledge, tips and tricks you'll need in order
to optimize your credit as fully as
possible.
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2nd BONUS - Value
$39.00
Your second BONUS is an over 2 HOUR
AUDIO INTERVIEW, plus the typed Transcript with
the National Accounts Manager at Advantage
Credit, which is a national mortgage credit
reporting agency.
You'll be ABSOLUTELY AMAZED at all the topics
we covered on this interview. You're going to
find out things even I wasn't aware of, and
I've been in this industry for almost 20
years!
Below, I've pasted some excerpts from the
transcript so you can see some of the
invaluable information you're going to
get...
Below, I've pasted some
excerpts from the transcript so you can see
some of the invaluable information you're going
to get...
Collection
Accounts:
...Unfortunately that is a very
oftentimes a misconception that
consumers have, "Hey I had some
problems right out of college and I
now I have a great job and I can go
back pay those things off", and be
it maybe it was 4,5,6 years ago and
these things are still lingering,
but they haven't updated on the
report. They go back and make good
on that bad debt and all of a
sudden their scores plummet because
now all of those collection
accounts re-report with new report
dates, new activity dates and the
zero balance does not outweigh the
negative impact that occurs when
that activity date comes current.
Unfortunately that is something
that is in the system, and I always
try to shy people away from taking
those types of actions, and to
really be specific on looking at
the activity dates to try to
prevent that from
happening.
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Bankruptcy...
...Well, I've seen people that
we've done rapid rescores on that
were 6 months out of a bankruptcy
and they had accounts that weren't
reported correctly. The bankruptcy
had discharged and we did a
rescore, got all of the items that
were included in the bankruptcy to
show as discharged and they had a
score rebalance. I've seen it in 6
months. They had re-established one
or two accounts, got everything
else reported properly and their
scores jumped tremendously when
they got all of that information to
report properly at the bureau
level. Is that something to go on?
Not necessarily because again, each
person differs in their situation
with what they're including in
discharging, what they're
reaffirming, if they're reaffirming
anything and how long other pay
history they have is going to play
a factor on how it will take to
re-establish. But I mean, truly any
consumer could potentially be
re-established in as short as 6
months."
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Optimizing Your
Credit...
...Well, we covered collection
accounts and bankruptcies and
things like that and the best ways
to really make sure that the
payment history is as polished as
it can be, is check for any
erroneous lates; see if maybe there
is a 60 day late out there
reporting on an account that you
can never recall being late on and
if it's something that is not valid
you dispute it with the creditor or
with the bureaus and have them
correct it. Even if it is a valid
debt or a valid late payment on a
debt, a lot of time creditors, if
you've had an account history with
them for a long period of time are
willing to provide a one-time
courtesy to the customer and remove
a late like that.
Those types of actions can
definitely help improve and clean
up that payment history. Also check
on collection accounts. As we said
earlier, the "date of last
activity" should report "when the
delinquency occurred" and not a
date of collection or not when they
bought that debt or not just
because they want to re-report
every month. That's not proper
reporting. With bankruptcies again,
check to make sure the date of last
activity shows no later than the
discharge date because you can get
those things cleaned up just merely
by having your bankruptcy
documentation. And then check to
see if anything exceeds purge dates
by the bureaus, the purge dates
that we talked about for
judgements, bankruptcies, and trade
lines. If you have an old
outstanding debt, it's 7 years from
the last activity date. Dispute it
with the bureaus, and normally the
bureaus will just purge it. All of
those actions can help improve that
payment history factor which has
the biggest impact on the
borrower's score.
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These excerpts above are just a tiny fraction
of the entire interview. As you can see from
the information that I've included above, there
is a wealth of information that you can gain
from listening to this interview which will
help you understand things you can do to
optimize your own
credit.
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NOW It's
Time To TAKE BACK CONTROL OF YOUR
CREDIT!
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Try
"Surviving Your Credit
Meltdown"
100% RISK
FREE!
You can
try my “Surviving Your Credit Meltdown” course
absolutely RISK FREE for 30
days!
I’m so confident you will be thrilled
with the results you see from using my course
that I am offering you a 100% money back
guarantee.
If for any reason you feel
that "Surviving Your Credit
Meltdown" is not for you, just send
me an email and I will refund 100% of your
purchase price, no questions
asked.
You have absolutely nothing to lose and there
is zero risk. Click the order link
below and you will be transferred to the secure
payment page.
Here's what you'll
get:
Book - "Surviving Your Credit
Meltdown"
Video Tutorial – Step-by-Step Guide walking you
through
AnnualCreditReport.com
Credit Expert Interview &
Transcript
You
Get ALL THIS....an $87.98
Value!
Normally sells for
$67.98
But if
you order RIGHT NOW, you'll pay
only $37.97
(This is a limited time offer so
don't wait - order now!)
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Click on the button above to process
your order online with our secure order
page
Once your order
has been processed, you'll get instant
access to a
private website containing the “Surviving Your Credit
Meltdown" course. You will be able to start
using my course within minutes of
ordering.
In as little as one evening,
you'll gain the confidence to tackle your credit problems
head on - and have the know-how to dramatically improve
your credit score, in less than 90
days.
Take
Action Now To Improve Your Credit and Change Your Life!
So, you have everything to
gain, and nothing to lose by ordering today. I can help you get
your life back and take the Trauma out of your credit
issues.
Click on the "Order
Now" button below and follow the simple
instructions and you will be able to download the course
"Surviving Your Credit Meltdown" immediately any time of the
day or night.
Points to keep in
mind...
If you have bad credit, most credit cards are
entirely out of reach. The few credit cards that are available
to you typically require exorbitant setup fees and high
interest rates or recurring monthly fees, offer very low credit
lines, and often require cash deposits.
An auto loan can cost thousands more in interest if you finance
the automobile with bad credit.
A typical home loan can cost hundreds
of thousands more in interest if you are purchasing the home
with bad credit.
Take The First Step NOW to Alleviate
Your Credit Trauma!
I'll be looking forward to hearing about
your success!
Warmest
Regards,
Taylor
McKenzie
P.S. It
should only take you about 1 hour from start to finish if
you follow my step-by-step instructions.
P.S.S.
Learn "The
Secret" Credit Repair Companies do not want you
to know. This "secret" is all you need to know to
ERASE NEGATIVE MARKS FROM YOUR CREDIT and it doesn't cost you a
freaking
thing!
P.S.S.S. Remember, I am so confident that
"Surviving Your Credit Meltdown" is exactly what you neeed and
it will help you more than anything out there at any price,
that I have a Full
30 Day Money Back
Guarantee.
If it is not everything that I
say it is, then I will give you your money back - No Questions
Asked. So, you have everything to gain, and nothing to lose by
ordering today.
I can help you get your
life back and take the Trauma out of your credit
issues.
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copyright 2009
all rights reserved- Credit
Trauma.com
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