The New Credit Repair BattlePlan: Beating the BIG Business of Bad Credit
The Fast, Effective, 100% Legal Way to a Better Credit Score

If you have bad credit, you're not alone; in fact, not by a long shot. What you may not realize is that you've been targeted intentionally.

It all boils down to your number. Like it or not, a good credit score is more critical now than it's ever been at any other time in history. Nowadays, practically everything is based on your credit score. But in today's economy, the "dirty little secret" is that bad credit is big, BIG business; worth TRILLIONS of dollars a year. Experian, Equifax and Trans Union (all non-government, FOR PROFIT corporations) along with virtually all lending institutions and collection agencies i.e. the US financial industry, conspire to create, maintain and distribute bad credit. They make bad credit easy to give, easy to get, easy to tell everyone about and hard to get rid of. Why would they do that you ask? MONEY. They stand to make lots and lots of money.

So, How Can You Improve Your Credit Score?

First, understand the deck is stacked against you: The credit scoring industry is a CASH COW; it and it's clients collectively transact trillions of dollars worth of business each year. TRILLIONS. So they make the rules. They created a scoring system to assign a numeric value to every adult in America using an involuntary, non government regulated, privately designed formula with zero consumer input, more than 75% error ratio and zero accountability for accuracy. The system is so corrupt and prone to errors that the Federal Trade Commission had to enact numerous federal laws including the Fair Credit Reporting Act and the Fair Debt Collection Practices Act and and files numerous lawsuits each year to regulate their business practices and limit abuses and still, our internal records show that 93% of our clients attempted to repair their own credit and failed prior to contacting us. 93%!

Joint cooperation makes the credit scoring system work. Everyone contributes - lenders, financial institutions and collection agencies are all eager to provide the credit bureaus with negative information to lower consumer's credit scores. Why? They make more money if you have bad credit. Don't believe it? Be ONE DAY late paying your Visa bill and see what happens. That ONE DAY will negatively impact your credit score for the next SEVEN YEARS. Does one day make you a bigger credit risk? Of course not, but it does provide a convenient excuse to charge you a $39 late fee and bump your interest rate to 29%. Do that a time or two with your mortgage, your car payment, your health club membership or any of a thousand other things in any seven year period and all of a sudden you have bad credit and the financial industry has justification to charge you more money and higher interest rates for everything. If it made you a bad person they just wouldn't loan you the money, but that's not it. They'll still loan you the money all right, they'll just charge you a lot of fees. In 2007 alone, credit card companies collected 63 BILLION DOLLARS in fees and the banking industry collected $68 BILLION. That's $131 BILLION! That's equivalent to $436 for every single man, woman and child in the United States and it's more than the 2007 Gross National Product of New Zealand! Now are you starting to get the picture? This is NOT a conspiracy theory ... It's real. To hear the financial industry tell it though, they're barely hanging on and claim they're doing you a favor by accepting your account, but really, who's doing WHO the favor?

Okay, I Have Bad Credit. NOW WHAT?

Bottom line: If you have bad credit now then you're caught up in the system; a system that's been designed to keep you there and extract money from you for a lifetime. There's only ONE way out. You can ignore it and hope it'll go away but the system is set up to prevent that. You can try to fix it yourself, but statistically you have a 9 out of 10 chance of failing. No, if you want out, if you want to turn things around, you have to CHOOSE to take action and you're going to need help. The credit bureaus and financial industry certainly won't help you. Why would they? They stand to make a fortune over your lifetime if you HAVE bad credit. To be successful, you need to work with the credit repair service that has the best track record of success in America.

CHOOSE to take action:

In Today's Headlines

• Video - - The NEW Credit Scoring Rules

In a word? MONEY. Bad credit is a convenient excuse for lenders to charge you LOTS and LOTS of extra money. As anyone with bad credit knows, a low credit score comes complete with a never ending barrage of higher interest rates, added fees and extra charges. Lenders use damaged credit to siphon HUNDREDS of BILLIONS of dollars each year out of credit challenged consumer's pockets.

• Is it intentional? YES. Once consumers have bad credit, they usually stay trapped there for life because they don't know how to effectively repair their credit or improve their credit scores.
• Can you do anything about it? YES. An aggressive, professional credit repair service can clean up your credit reports and raise your credit scores so you won't be the victim anymore - starting now.
• Can I try to fix my credit myself? YES. You can try. The problem, however, is that the system is designed specifically to thwart the efforts of individuals attempting do it yourself credit repair. In fact, our internal records reveal that 93% of our customers attempted do-it-yourself credit repair & failed prior to contacting us. 93%! That is bleak testimony to the extent to which the credit bureaus will go in an effort to keep consumer's bad credit intact.

The Bigger Problem
To add insult to injury, credit scoring rules have changed since the onset of the mortgage crisis. So now, even people have have what used to be considered good credit fall into the marginal credit category; just one more excuse to charge you more money. In May 2006, to get the best rate on a home loan, all you needed was a 620 credit score. Now, just 2 years later, to get the best mortgage rate you need a credit score of 760 or better. 760! That means most people will end up paying more for credit, regardless of the fact that they are no greater credit risk than they were a year or two ago.

• Does that mean I can't get credit cards, loans or a mortgage now? Absolutely not! You can still get PLENTY of loans and other credit with a lower credit score, it will just cost you a LOT more money. That's the whole point. Consumers are just pawns in this game, and unfortunately, most don't even know the rules have changed.

"For decades, consumers have fought a losing battle to improve their credit. They need help. What they need is a whole different approach ... a whole new battleplan for credit repair."

Bad credit is very EXPENSIVE for consumers but VERY profitable for lenders, in addition to the fact that credit challenged consumers are routinely treated like second class citizens. In fact, it's been estimated that institutional and private creditors extract from 4 to 19 TIMES more money from people with bad credit than they do from good credit borrowers.

Understand that and you'll know why the financial industry is so strongly opposed to legal credit repair services and effective credit restoration. It costs them money. But why should that be your problem?

Your Credit Restoration Begins Now

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