The nation's leading credit scoring expert reveals how you can live better...have more fun...and enjoy an upscale lifestyle, without having to work harder or make more money...
(And then I'll reveal the secret of how to decrease your monthly mortgage payment by $350...and how to pay less for everything you buy on credit)
Dear friend,
It's true. You can pay the same amount to drive a Mercedes or BMW...as you do for a Toyota or Honda.
I've shared my technique with everyone from...bankrupt people who've used it to buy their first homes and purchase brand new cars with no money down...to highly paid dentists and doctors—showing them how to upgrade to million dollar homes.
It doesn't matter whether you have bad credit or good credit—you can start paying less for everything you buy on credit—from everyday purchases you put on your credit card...to a car...to a new home. The system I've developed works for everyone.
And none of this has to do with working harder...putting in longer hours...working another job...or making more money.
Here's the secret...
It all has to do with increasing your credit scores.
In case you didn't know, your entire credit history is summed up in a three digit number known as a credit score. Specifically, it's called a FICO® credit score (more about that in a moment).
You will have a much more enjoyable and stress-free lifestyle when you know how to increase your credit scores. With higher credit scores, come the best offers from all the lenders you do business with.
The greatest strategy
for improving your lifestyle is
to increase your credit scores
(And it's much easier than you may think)
If you have bad credit (even if you've filed bankruptcy) this manual will show you how you can increase your credit scores. Even a few additional points to your credit scores can change your life dramatically. You'll start to get approved for the credit you were once denied...and you'll start receiving much better offers and lower interest rates from lenders.
In fact, here are 10 bold promises right now—
when you follow the methods in this manual, you will...
- Lower the interest rates on all your credit cards
- Increase your credit limits
- Save tens of thousands of dollars in interest on your mortgage payments
- Refinance at a lower interest rate
- Get approved for credit and loans you've been denied for in the past
- Qualify for much lower car payments
- Get approved for no-money-down financing
- Lower your insurance premiums (that's right, your homeowner's, renter's and auto insurance are based on your credit in most states)
- Get utilities at lower rates and without deposits
- Know whether you'll get approved and at what interest rates BEFORE you even fill out credit applications
For example...when you increase your credit scores the way I'll show you...
You can own a Mercedes for
less money than a Ford—
your credit scores determine
which one you drive
Do you want to pay $655/month for a Ford? | or | Do you want to pay $638/month for a Mercedes? |
With a below average credit score of 585, you'll be forced to accept an 15.2% interest rate and pay
$655 a month for this 2006
Ford Fusion
With a credit score of 750 or better, you'll be offered a 7.2% interest rate and pay only $638 a month for this 2006
Mercedes C230 Sport
Nothing against Ford, but why pay $655 for a Ford when all you have to do is increase your credit scores to start driving a Mercedes—or a BMW!
Or if you're thinking of buying an SUV, would you rather drive a Toyota or BMW? When you increase your credit scores, you'll be driving the luxury vehicle, for less money!
Do you want to pay $938/month for a Toyota? | or | Do you want to pay $798/month for a BMW? |
With a below average credit score of 585, you'll be saddled with an 15.2% interest rate and wind up paying $938 a month
for this
2006 Toyota Highlander
With a credit score of 750 or better, you'll be offered a 7.2% interest rate and pay $798 a month for this luxury
2006 BMW X3
When you have the right credit scores, you'll pay almost $50 less a month. What a great concept—paying less to drive a nicer car. And you can do exactly that—when you increase your credit scores.
Or, if you're already driving a luxury car, I'll show you how to dramatically cut your monthly payment...
What do you want to pay for this car?
$1,047/month or $885/month
This 2006 Lexus costs $44,494. On a 5-year loan, with a FICO score of 720 or higher you'll pay $885/month. With a FICO score between 590-624, your monthly payment jumps to $1,047!
Let's say you don't want to spend $800, $700 or even $600 a month on a car payment. Maybe $300 to $400 is more your comfort level...
Do you want to pay $444/month for a Hyundai? | or | Do you want to pay $383/month for a Mustang? |
With a below average credit score of 585, you'll be forced to accept an 15.2% interest rate and pay $444 a month for this 2006 Hyundai Tiburon
With a credit score of 720 or better, you'll be offered a 7.2% interest rate and pay only $383 a month for this 2007 Ford Mustang Deluxe
It doesn't matter what car you pick. If you're driving a used Honda and your monthly payment is $500, you can increase your credit score and buy a new Honda for about the same monthly payment—or even lower.
And in case you think I'm fudging the numbers, all the examples I used are for new cars, the exact same terms, based on no money down, on a 60-month payment plan. The ONLY difference is the highest credit scores ALWAYS get the lowest payments.
And credit also determines how much you pay for a home...insurance...whether you get a job (your potential and current employers can legally look at your credit reports and not hire you—even fire you—if they don't like what they see).
Credit scores even determine what you'll pay for your utilities in some cities. That's right, if your next door neighbor has higher credit scores than you, you may be paying more than him or her for your electricity.
Now do you see how important your credit scores are? Can you see how much easier good scores can make your life?
Here's how I discovered how you can increase your credit scores to their highest levels ever, to start enjoying life without working harder...
How an entrepreneur from
South Bend, Indiana went from filing bankruptcy
to becoming the nation's
leading credit scoring authority
(And has already helped over 325,000 people learn secret strategies to increase their credit scores so they can improve their lifestyles)
At a young age I experienced a high income. I was only 28 years old when I started my own computer business, which became highly successful.
When you increase your credit scores, you'll...
Pay $152,497 LESS
for a new home
On a $200,000, 30-year fixed-rate mortgage, with a FICO score of 720 or higher, your monthly payment is only $1,227. But with a FICO credit score below 560, your monthly payment skyrockets to $1,651! Over the life of the loan—you'll pay $152,497 less for the exact same house—when you have high credit scores.
Before we knew it, my wife and I were living the high life of shopping sprees in Chicago, vacations to exclusive hideaways, and fine dining. Plus, my income bought us all the toys we craved—luxury cars, a large home, fine furniture, and designer clothes.
Five months after we were married, I realized I was unhappy in the computer business. Even though I was making a lot of money, it wasn't my passion. I had just returned from a seminar where the presenter asked, "Do you wake up every day and enjoy what you do? If not, find what you enjoy and do it."
So I took six months off to figure out what I wanted to do.
With no savings put aside our income stream dried up. But we continued our expensive lifestyle—living off credit cards. We sold most of our belongings to live, pawned our TV and stereo system—and even borrowed money from our parents.
We knew the end was coming when our Jeep Cherokee was repossessed and we started receiving phone calls from collection agencies. We had every intention of paying the debt owed—we just needed more time.
I filed for bankruptcy on February 1, 1993, but was determined to recover and regain my good credit. That's when I learned about the power of credit scores.
In less than 8 months—my credit scores (and lifestyle) shot up
dramatically due to my discovery...
When you increase your credit scores, you'll...
Pay LESS for your insurance
Here's a letter that an insurance company sent to a client with a good credit score. It shows exactly what the savings are between the different credit scores.
If you have a low credit score—you’re paying as much as 29% MORE for the exact same insurance as someone with a higher credit score!
It almost doesn't seem fair—does it? But fair has nothing to do with it. If you want to pay less for insurance...pay less for your car payments...pay less for your mortgage payments...save money on all your credit purchases—you need to increase your credit scores.
I started by researching everything I could get my hands on about bankruptcy, finances, credit, etc. I can be quite resourceful. I had already built a million dollar company once, so I applied everything I learned building that company to recovering from bankruptcy.
I discovered credit building information no one else was talking about. Bankruptcy attorneys didn't even know this information.
Then I put it to the test. I started using the strategies I'd discovered to increase my FICO credit scores.
And they worked!
Less than 8 months after I filed bankruptcy, I bought a new car (at 2.9% interest) and got a mortgage on a beautiful home (at only 6% interest with very little money down). A short time later I was receiving credit offers at the same rates as somebody who had never filed bankruptcy.
Today, by maintaining high credit scores, I own millions of dollars worth of real estate and run a successful company. Now I often pay a fraction for what I buy on credit compared to what others with lower credit scores pay.
And I'm often the "go-to" guy when the media wants accurate information on credit scoring. I've been featured in The Wall Street Journal, Newsweek, Smart Money, The Washington Post, Bloomberg Television, CBS MarketWatch, CNNfn, CNBC, Money Magazine, Family Circle, Better Homes and Gardens, and other media outlets.
I don't tell you this to impress you—but to impress upon you that I know what I'm talking about when it comes to building good credit scores, and then using them to improve your lifestyle.
If I've accomplished all this over 12 years of trial and error, then imagine what you can do once I take you by the hand and show you how to increase your credit scores.
No matter how “bad” your credit
is now—you can improve it quickly with my method
(And if you have good credit now, wait until you see how much
easier life will be for you when you have GREAT credit)
While there are many different credit scores out there, the most popular score is called the FICO credit risk score. It's the one almost all lenders use today.
When you apply for a mortgage...buy a new car...apply for a loan at your bank...apply for cell phone service...or apply for a credit card—the person (or computer) making the decision will look at one or all of your FICO credit scores.
Your FICO scores determine...
- Number 1: Whether you get approved
- Number 2: What interest rate and terms you will be offered if you do get approved
Unravel the mystery behind
your credit scores
FICO stands for Fair Isaac Corporation. Bill Fair and Earl Isaac are the two gentlemen who created the first credit scoring system in 1958.
credit scores?
- 99 of the 100 largest banks in the United States use FICO credit scores
- 49 of the top 50 U.S. credit card issuers use FICO credit scores
- More than 400 insurance companies use FICO credit scores
- 3 out of 4 U.S. mortgage loan originators use FICO credit scores
- 9 of the top 10 retail card issuers in the United States use FICO credit scores
- More than 80 government or public agencies use FICO credit scores
- More than 100 telecommunications carriers use FICO credit scores
* Information obtained from www.fairisaac.com/fairisaac/company/profile
The three largest credit reporting agencies (Equifax®, TransUnion™, and Experian®) use Fair Isaac's credit scoring model to create FICO credit scores. Each reporting agency has its own version of a FICO credit score.
calls their FICO credit score a BEACON® score.
calls their FICO credit score FICO Risk Score Classic® (it was formerly known as the EMPIRICA® score.)
calls their FICO credit score the Experian/Fair Isaac Risk Model®.
So whenever you hear the term "credit scoring," it usually refers to FICO credit scoring. And as you can see from the chart to the right, the most popular score lenders use is a FICO score. You have three different FICO credit scores—one from each credit reporting agency.
FICO credit scores range from a low of 300 to a high of 850. The higher your scores—the lower your interest rates will be on all your loans—and the more likely you'll be offered the best rates and deals.
If you plan to buy anything with credit...a home...a car...a boat—and you want to get approved at the lowest rates—then you need to have high credit scores.
But here’s the problem...
Fair Isaac and the credit reporting agencies do not publicly reveal how our credit scores are compiled.
They guard their secret formula as closely as Colonel Sanders guards his chicken recipe.
And they adjust their complicated formulas (or algorithms) for calculating FICO scores every few years.
But there is a way to find out directly from Fair Isaac how credit scoring works.
They will teach qualified professionals and lenders the ins and outs of credit scoring. However, in case you're thinking of knocking on Fair Isaac's door and asking for credit scoring secrets, know that...
- They turn down many people who who seek their help. And with rare exceptions (myself being one of them), they train only lenders and other credit "professionals."
- Even if you make it through their rigorous screening process—you would then have to fork over thousands of dollars to be trained by them.
- If you do get accepted for training and do cough up the training fee, good luck understanding what they're talking about! Getting trained by Fair Isaac is like sitting through the world's hardest calculus class! They speak a different language than you and I. It took me three sessions just to get acclimated to their corporate culture and industry jargon.
How I cracked the
credit scoring code
When you increase your credit scores, you'll...
Pay LESS to your orthodontist!?
Imagine walking into your orthodontist's office and being handed a credit application. When you ask what it's for, they tell you, "Your credit scores will determine what type of payment plans we offer." That's exactly what happened to my brother. It sounds crazy, but now some orthodontists are using credit scores. And, you guessed it—the lower your credit scores, the more they charge you! This is just a sign of things to come. Credit scoring will be used in new and creative ways in the future. So, increase your scores now—and ALWAYS get the BEST and LOWEST rates. Why would you want to pay more?
I'm one of the few non-lenders trained at least twice a year by Fair Isaac to learn the intricacies of credit scores.
Two to four times a year I fly to Fair Isaac's corporate offices to learn the subtleties and changes in credit scoring.
Between the fee I pay to Fair Isaac and the cost of transportation and lodging, each of these trainings costs me between $10,000 - $15,000. So I'm one of the few experts who will put my money where my mouth is. Even the famous blonde celebrity credit expert you see on television hasn't been through the training I have.
In other words, I've paid my dues and I know what I'm talking about. As crazy as this may seem, credit scoring is my life and I'll put my knowledge, expertise and practical experience up against anyone's at any time!
After years of training, I have a thorough understanding of how credit scoring works. I take everything I learn and boil it down to easy-to-understand bits of information you can take and put into action immediately.
And now, for the first time ever, this information is available to you in...
Increase Your Credit Scores—
Improve Your Lifestyle®
(How to increase your credit scores so you can get approved for a new car, a mortgage, credit cards, insurance, or any credit you need at the lowest possible interest rates)
This is the best program of its kind. It's designed specifically to help you increase your credit scores so you can easily qualify for the lowest interest rates...best loan offers...and start paying less for everything you purchase on credit—from a new car...to a new home...to your automobile and homeowner's insurance.
- THE BIGGEST CREDIT SCAM BEING PERPETRATED ON THE AMERICAN PUBLIC TODAY!—Unlike credit reports, which you can get for free, you must purchase your credit scores. Unfortunately, there are many sources that will sell you fake credit scores disguised to look like legitimate FICO credit scores. These scores are totally useless and a complete rip-off! Find the only authorized sources to order your legitimate scores. (Page 17)
- How to tell whether you'll get approved for credit before you even fill out an application—Never again sweat it out wondering if you'll get approved. There's a foolproof method you can use to know, without a doubt, whether you'll get approved before you sign anything. If you've ever held your breath while a lender was reviewing your credit application, this will be a huge relief for you. (Page 38)
- A behind-the-scenes look at how lenders approve you and decide what interest rates to give you—Ever wonder how credit card companies can approve or deny you for credit within seconds over the internet...or why a car dealer can give you an answer within seconds on what your interest rate will be? (Page 43)
- The ONLY way to apply for credit when shopping for a car (very few people know to do it this way)—Here's a little trick that can prevent you from losing 12...24...even 36 points from your credit scores. It's my "precise-timing" method for knowing when to apply for credit as you're car shopping. When you're looking for a car loan, don't do it any other way. (Page 53)
- The FIRST thing any lender will want to know about you when you apply for credit—This is the MOST important factor in your credit scores, and just by fixing this on your credit reports, your credit scores will automatically go up! (Page 58)
- The SUREST way to increase your credit scores—A breakdown of the most common mistakes people make that decrease credit scores. Once you stop making these mistakes, your credit scores have no choice but to go up! (Pages 62 to 77)
- NEVER do this when applying for credit—If a lender wants you to do this, it's a sure sign for you to get up and walk away and find a new lender. (Pages 63 to 64)
- The "Credit Union Trap"—If you have a loan from a credit union, or are thinking of getting one, you MUST make sure they do this right now—if not, you'll never see the benefits of your timely payments. (Page 66)
- Finance companies to avoid—If you're using any of these six finance companies, your credit scores are being kept down. (Page 67)
- The credit card balance "Dance of Diminishing Returns"—You may think you're saving yourself money by transferring your balances to a card with a lower interest rate, but you're actually lowering your credit scores and will wind up paying MORE for everything you buy on credit. Avoid this trap at all costs. (Page 70)
- A simple phone call you can make that can increase your credit scores every 12 months—This may be the most overlooked (yet simplest) step you can take to continually and effortlessly increase your credit scores, yet almost no one knows about it. I do it every 12 months and it works like a charm. (Page 72)
- EXTREME MEASURE—If your credit is really bad, I'll reveal an extreme measure you may want to take to improve your chances of getting better credit. I've never seen anything like this revealed in print before, but I know it works because when my credit was shot, this is what I did. (Page 95)
Special, step-by-step, do-as-I-do charts...strategies...and systems you can follow that make it simple to increase your credit scores
If you type "credit scores" or "credit reports" into Google™ or any other search engine, you'll get back thousands of choices. I know how confusing this is because people email me every day to ask me which services are legit. That's why I took extra special precautions when writing this manual to make sure you'd understand the information and be able to use it to help increase your credit scores.
I've created special easy-to-read and just as easy-to-follow charts, strategies and systems...
- A "do and don't do" list for obtaining credit reports. (Page 24)
- COMPLETE point-by-point summary on how to get your credit reports, including the FULL contact list—with name, address, phone number—of each of the credit reporting agencies. (Pages 24 to 28)
- Examples of fine print that two of the credit reporting agencies use to rip you off and disguise the fact that you're buying useless credit scores from their websites. (Page 31)
- 8 steps you must take BEFORE you apply for credit—PLUS...I've included a very simple-to-use Credit Guidelines Worksheet™ that you can use to find out if you will be approved before you even apply for credit. (Pages 39 to 40)
- A question to ask all your potential lenders to see if you should even bother applying with them—If they answer, "No," to this question—walk away. (Page 39)
- A tactic that will help you minimize credit inquiries on your credit reports—Credit inquiries LOWER your credit scores. You need to avoid unnecessary inquiries. (Pages 40 to 41)
- An inside sneak peek at two auto manufacturers' rate tiers—These "industry-only" charts show you EXACTLY what interest rates car dealers will offer you based on your credit scores. The public very rarely gets to see this information. Heck, most people don't even know these charts exist! (Page 45)
- Best strategy for working with banks if you have low credit scores and have been denied credit—I call this my "back door" strategy for starting a relationship with your bank that can lead them to offering you unsecured bank cards, overdraft protection, and even unsecured credit. (Page 48)
- Five-part breakdown of your credit score—I've included a FICO credit score chart that breaks down the five most critical factors that keep your credit scores down. One quick glance at this chart, and you automatically know what you need to work on to increase your credit scores. (Page 58)
- Negative reason code "decoder"—Most people don't realize this, but right on your credit reports are codes that tell you EXACTLY what's keeping your FICO scores low. Simply correct the problem and your credit scores will rise. The problem is, these codes are hard to decipher. So I've created a "decoder" that clearly spells out what each code really means so you can see what's keeping your scores down. (Pages 85 to 87)
- Game Plan Worksheet™—This is a worksheet I developed for myself to help me get a handle on what I needed to do to increase my own personal scores. When others saw it, they wanted it too! So now it's available for you to use. (Page 88)
- 7-Step Action Plan—Tells you exactly what to do, step-by-step. By following in my footsteps, you can't go wrong. (Page 89)
All the charts, worksheets, and action plans I've created are written in simple, easy-to-understand, plain ol' everyday language. They're very easy to use and follow. I've already done the hard work for you. Simply turn to the worksheets in the manual and photocopy them so you can use them again...and again...and again to help you increase your credit scores.
Advanced Credit Scoring Concepts,
Strategies and Techniques...
Much of what I've discussed up to this point will help you if you have really bad credit and really low credit scores. But, there are also strategies you can use if you already have good scores, and you want to blast them into the next level so you can start taking advantage of the best-of-the-best offers reserved for people with the highest credit scores.
If you already drive a luxury car...or own a boat...or live in an expensive home and want to upgrade into an estate...I'll show you eight specific strategies you can use to accomplish your goals.
Have you been told any of these lies about your credit?
(WARNING: Most financial "experts" don't know what they're talking about
when it comes to credit scoring...)
The fact is, most people, even alleged credit "experts," don't know squat about how to increase credit scores. In fact, many of them tell you the opposite of what you should do. For example, you may have heard that you should...
- Leave a balance on your credit cards, in order to increase your credit scores...WRONG! Leaving a balance will only lower your scores.
- ALL credit inquiries lower your credit scores—WRONG! Many credit inquiries DO NOT lower your credit scores.
- Close credit card accounts to increase your scores—WRONG! This is possibly the WORST thing you can do.
- Add a consumer statement to your credit reports to tell your side of the story—WRONG! It's a complete waste of time...it does absolutely nothing to increase your credit scores...and, quite frankly, if a lender tells you to do this, it's probably a sign they're going to rip you off!
- If your credit scores are over 700—you have perfect credit and will get the best rates and offers—WRONG! Fact is, there is no "magic" credit score. A "perfect" score is the one that gets you the best deal for the product or service you want. Every industry has it's own "perfect" score.
- Always pay off your credit accounts early—WRONG! There are situations where, if you pay off a credit account early, your credit scores will decrease. Find out which accounts you should not pay off early.
If you were to follow all the "expert" advice (myths) above, your credit scores would take a nosedive! That's why I devote an entire section of the manual to credit mistakes you make. I reveal the most common myths and mistakes and show you how to avoid them.
Once you stop making these mistakes with your credit—Your scores have no choice but to go up!
Once you stop making these mistakes, your credit scores have no choice but to go up. Before you know it, you'll be trading in your used car for a new one...start house shopping in nicer neighborhoods...suddenly have extra money from saving so much, you'll finally be able to take the vacation you've been talking about forever.
I'm serious. I've seen it all happen. Just by following a few simple suggestions I lay out, I've seen people go from being scared to even apply for a credit card (knowing they'd be denied)...to using their newfound credit to finance a new business.
Little known secrets that will let you gain an edge when buying a car... protect you from credit fraud and identity theft...and save tens of thousands of dollars on major purchases you make with credit...
To round off the manual, I've included information that doesn't fit neatly into a category, but will help you in your quest to build better credit. Whether you're shopping for a car or home, there's valuable advice that will help you get the best deals. For example...
- How to buy a car—even if your credit is bad—I'll be straight up with you. This strategy doesn't work 100% percent of the time, but when it does, it can easily save you thousands of dollars off the cost of a new or used car. Personally, I don't think you should buy a car before reading about this technique. Not only can it help you get a better deal, but it will also keep you from getting ripped-off by a crooked dealer (not that all car dealers are crooked). In fact, this information is so important, I devote several pages to it. (Page 107 to 114)
- The truth about credit report monitoring services—These services usually have names like "Fraud Alert," "Credit Protect," or "Fraud Protect." And they basically "watch" over your credit reports to look for unauthorized purchases or unusual activity. These services (in theory anyway) can help protect you from identity theft and quickly alert you if someone tries to use your account. The problem is, almost all the credit report monitoring services monitor only one report. But you have three credit reports. It's absolutely useless to have a monitoring service that monitors only one credit report. It's like going to a shoe store and buying one shoe, it gets only part of the job done. But, I've discovered one company that monitors ALL three of your credit reports, and will inform you whenever a new account is opened in your name...every time there's an inquiry made...when an address change is reported...and when any changes are made to your credit accounts. This service will send you alerts through email or text messaging when any changes are made...and it does it for all three of your credit reports. I tell you all about this service in the manual, so you can compare it to all the other services out there. (Pages 115 to 122)
- How to potentially save thousands of dollars on your next major purchase—I consider this my "getting your ducks in a row" strategy. It can greatly help you quickly increase your credit scores right before you're about to make a major purchase on credit (this way your credit scores will be high and you'll get offered a lower interest rate). I'll also reveal the two fatal flaws with the current FICO credit scoring system, and what you need to do so you don't get penalized when making a purchase. It's a complex subject, but I've broken it down into a simple six-step formula you can quickly follow. (Page 128)
- PLUS...you'll get specific information on how to get your credit reports free... many forms and worksheets that I've personally created that make the process of increasing your credit scores a breeze...and much more.
Every strategy...method...tactic...
system...and plan I reveal I've personally used myself to
increase my credit
scores—
so I know this stuff works
When I filed bankruptcy, my scores were dirt low. But I created a system for increasing them. And today, my credit scores are consistently in the top 6% of all scores. I've included everything I did to get my scores to over 800 (the highest score you can get is 850) in this manual.
To help you develop your own game plan to increase your scores (like I did mine), I've included the steps I took to tackle my problem head-on. I also list for you, point-by-point, EXACTLY what I did to start increasing my scores. You'll see how I challenged inaccurate inquiries on my credit reports...how I paid off revolving debt...how I took control of my credit reports...and everything else I did.
This is a "look over my shoulder" action plan. It's just as if I was sitting across from you telling you what to do. Just follow my plan—it worked for me and it will work for you.
If you've never ordered your credit reports or credit scores before—I show you step-by-step where to go...how to get them...what to expect. And I also tell you what to watch out for so you don't get ripped off.
If you know your scores are low, or you've been denied credit in the past—you'll learn dozens of methods for increasing your scores so you can start getting approved for the lowest interest rates.
And if you already have good credit scores, you'll learn how to maintain your scores and even increase them so you're guaranteed the absolute best deals, often reserved for only top tier clients.
What's all this going to cost?
Think about it...just one tip or strategy you pick up from this manual can easily save you a few thousand dollars on your next car loan...can easily knock $100 or $200 off your monthly car payment...can easily save you $350 a month on your mortgage.
Add the fact that you cannot find all this information in any other single source, or if you were to find a legitimate credit scoring expert and hire him or her to help you improve your credit and increase your credit scores, you would have to pay many, many thousands of dollars.
And as I mentioned before—I pay Fair Isaac (the creators of the FICO credit score) tens of thousands of dollars for each personal training session I have with them. You would pay at least that much to get the same training—assuming they would even train you.
Or you can just get your copy of Increase Your Credit Scores—Improve Your Lifestyle and quickly discover how to increase your FICO credit scores for only $197. You can even break down your purchase into three monthly payments of only $65.67 each if you wish.
When you consider that avoiding just one mistake in the book can save you hundreds, even thousands, of dollars each month on your mortgage or car payments—this manual is an incredible bargain. It's even less than what you'll save on just three monthly car payments by using this information.
And by examining the manual, you have nothing to lose except your low credit scores—because everything comes with a...
One-Year...No Questions Asked...100% Money-Back Guarantee
It's risk-free for you to get the manual in your hands and see for yourself how the information can help you increase your credit scores to improve your lifestyle. Read it carefully...flip through it carelessly...heck, even judge it by its cover if you want. If for ANY reason whatsoever you want to return it—do so anytime within a year of when you receive it, and we'll refund every cent you paid for it. We can make this bold guarantee because the information packed into this manual can change your life—it really is that powerful.
Why work harder to make more money, when all you have to do is increase your credit scores? With the secrets in this manual, you'll be able to lower your car payments...mortage payments...and insurance payments. And you'll always get approved for credit at the lowest rates and best terms. PLUS, you'll never have to worry about someone looking at your credit scores, like an employer, or your insurance company, preventing you from getting what you want and need.
2 Easy Ways To Order...
- Click to order securely online
by credit card - Pick up your phone right now and dial toll free: 1-800-575-4195 and tell Pam (who answers the phone) that
you want to take advantage of the...Increase Your Credit Scores—
Improve Your Lifestyle1 Year Guarantee Offer.
Enjoy and keep smiling,
P.S. In this letter, I've shown you how you'll pay LESS for your car, your home, your insurance, even your orthodontist...when you increase your credit scores. So, why work harder...or get another job...or scrimp and save (that's no fun)...when all you have to do are a few simple things to increase your credit scores. The bottom line is, you're going to buy a car whether you have high or low scores. You're going to purchase insurance (because it's the law). And odds are, you're going to try to purchase a home. Since you have to do all these things anyway, why not pay the absolute least amount of money for them. And the BEST way to do that is to increase your credit scores the way I show you.
P.P.S. In this letter I mentioned Fair Isaac Corporation (FICO) and told you they created credit scoring. Here is what John Ulzheimer, a former employee of FICO, has to say about this new manual...
"Mr. Snyder has done a remarkable job of taking what is often highly technical information and making it easy to understand and implement. He's eliminated all the technical jargon and fancy words and instead writes in a very simple manner anyone can follow. In an ideal world, this manual would be required reading before anyone applies for credit."