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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| Page Matthews |
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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 eBook
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 e-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”
e-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:
e-
Book - "Surviving Your Credit
Meltdown"
Video Tutorial – Step-by-Step Guide walking you
through
AnnualCreditReport.com
Credit Expert Interview &
e-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" e-course. You will be able to
start using my e-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 e-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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all rights reserved- Credit
Trauma.com
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Learn how to make ONE
EASY PHONE CALL to cut your
credit card payments in
half.
