A Credit Repair Service That Can Raise Your Credit Score - STARTING TODAY!
The BIG Business of Bad Credit
If you’ve got bad credit, you’re not alone; not even close in fact. In today’s economy though, the “dirty little secret” is that bad credit is big, BIG business; worth BILLIONS annually. And how most lenders intentionally target and prey on people with bad credit is practically criminal; the entire system is designed to create, exploit and then benefit financially from damaged credit.
Bad credit, with it’s never-ending plethora of extra fees, points, high interest rates and extra charges for anything and everything sucks HUNDREDS of BILLIONS of dollars out of credit-challenged consumer’s pockets each year. And while that might be great for business, it’s devastating for people because once they get caught in the bad credit quagmire, their lives and finances are forever changed and they tend to stay trapped there, simply because they don’t know how to effectively repair their credit or improve their credit scores. It’s not entirely their fault though, because the whole financial system has been engineered and streamlined to exploit them. Most people simply don’t know the game is fixed, the deck is loaded and they’re supposed to lose.
“For decades, consumers have fought a losing battle to improve their credit scores with do-it-yourself credit repair. They need help. What they need is a whole new battleplan.”
Repair Your Credit - Change Your Life
The 3 most insidious things about bad credit is the fact that the financial “establishment” has clearly set itself up to 1.) create the problem to begin with 2.) perpetuate the problem, AND 3.) be the direct financial beneficiary of the problem. Unethical behavior? You bet! Why would it do that you ask? Money; same as always. Why else?
Bad credit is very EXPENSIVE for consumers and very PROFITABLE for lenders, despite the fact that they treat credit-challenged borrowers like second-class citizens. In fact, it’s estimated that institutional and private lenders extract from 4 to 19 TIMES more money from people with bad credit than they do from good credit borrowers.
FACTOID: Consider for a moment how much money lenders can actually earn on those 24-month 0% interest car loans they advertise for people with excellent credit. Little to nothing, right? Now consider how much money they make writing bad credit car loans at 13% to 25% all day long. And it gets worse: Buy Here/Pay Here car lots routinely charge bad credit borrowers between 20% and 75% PER YEAR!
The Deck Is Stacked Against You … ON PURPOSE
The 3 major credit bureaus, Experian, Equifax and TransUnion, work together with almost all lenders, creditors, financial institutions, public records providers (federal, state and city governments) and collection agencies nationwide to make bad credit as easy to dispense as possible, as quickly and as often as possible and to as many people as possible. This is no conspiracy theory - it’s a fact.
Don’t believe it? Okay, test it for yourself: A.) Be just 1 day late on your credit card payment and see what happens: $39 late fee, your interest rate shoots to the default 29% and the late-pay is reported to the credit bureaus immediately. That 1 day in turn works to lower your credit score on your credit report for the NEXT 7 YEARS. Do that a couple times, apply for a new credit card and see what sort of rates and fees you get offered, or B.) Pay your mortgage just 1 day late and see what happens: a 5% late fee (that’s $75 on a $1,500 mortgage payment) and the late-pay (reported immediately, by the way) appears on your credit reports and works to lower your credit score for the entire time the mortgage is active (UP TO 30 YEARS!). Do that a couple times, then try to refinance and see what sort of interest rates you get offered.
Just 1 day late and you’re punished for 7 YEARS. If our education system was that unforgiving, NO ONE would ever graduate … high school, college, nothing. And if our employment system was that unforgiving, NO ONE would have jobs … NONE! Even many criminal acts, including DUI, don’t carry a 7 year penalty. But be one day late on your credit card payment and you pay for that day in terms of extra fees and higher interest rates for 7 years. The most outrageous thing is that isn’t illegal - it’s just the way the financial system is set up to exploit people.
And once a person has bad credit, the system is set up specifically so that it is EXTREMELY difficult for individuals to repair or improve their credit score on their own. Sure, they’re encouraged to try it themselves so they feel in control, but the system is designed to thwart their efforts so they get frustrated and give up. Conspiracy theory? Guess again. Surveys suggest that up to 97% of people who attempt self credit repair fail or give up. 97%! And when they do, they land right back in the quagmire again.
That, of course, is the whole point. It’s bad news for the credit-challenged, but it’s great news for the companies who exploit them because they have a captive audience; their own “bad credit crack addicts” as it were. Lifetime customers with no choice but to pay whatever interest rates and fees those companies demand. And for them, there appears to be no end in sight. Clearly there is a process at work here - an intentional plan to exploit people. Is it any wonder that so many consumers get frustrated and give up?
“These folks need a whole different approach … a whole new battleplan for credit repair.”
Trumped by a Number
With the entire financial “establishment” pitted against consumers, it’s little wonder (AND an unfortunate reality) that lifestyle, and life itself, in America revolves around, and is very much governed by, something as trivial and as subject to interpretation as a person’s credit score. In fact, it’s gotten so far out of hand that even a person’s honesty, trustworthiness, integrity, character, work ethic and earning capacity take a back seat to their credit score. Think about that for a minute. How screwed up is that?
From the age of 18 until death, practically EVERYTHING nowadays is determined, or at least influenced to a large degree, by a person’s credit score. Credit scores are used to determine whether or not you qualify to get a credit card, buy a house, a vehicle, a boat, investments, timeshares, a swimming pool, home improvements, household appliances; even landscaping, a new roof, dental work or braces for your kid’s teeth.
Almost singlehandedly your credit score will determine the neighborhoods in which you will live (and whether you will own or rent those dwellings), the colleges you, your spouse and your children will (or will not) attend, what kinds of vehicles you will drive and the condition in which they are maintained, the interest rates you will pay, and whether or not you will qualify for credit cards (good luck buying airline tickets or booking a hotel without one of those!), numerous fixed and revolving lines of credit, checking, banking and investment accounts; even overdraft protection!
Increasingly, credit scores play a major role in background checks that are used to decide such life-changing events as employment, adoptions, security clearances, gun ownership, public service, federal service, investment eligibility, business partnerships, dating & marital relationships; even qualification for membership in many clubs and organizations nationwide.
They will determine if you can qualify (and how much you will pay) for all different kinds of insurances, and in most cities you can’t get a gym membership, satellite or cable TV, cell phones or even basic internet access without good credit or a huge deposit. Your credit scores will also determine if, and how much, you will have to pay in security deposits for housing, utilities, rental cars, hotels and motels, bank fees, annual fees, application fees and dozens of other incidental fees and access charges every day as you simply endeavor to live your life.
What Is A Good Credit Score Worth?
The short answer? A LOT. But the great news is that, while a good credit score is worth a lot, it doesn’t cost you a lot to repair your credit and improve your credit score. Especially when you consider that over the course of an average lifetime, the difference between having good credit and bad credit can easily translate into HUNDREDS of THOUSANDS (even millions) of dollars. Check this out:
| $30,000 Vehicle Purchased Over 7 Years | |||||
| Credit | Rate | Payment | Cost of Bad Credit | ||
| Excellent | 10% | $ 607.14 | $ - | ||
| Fair | 15% | $ 732.14 | $ 10,500.00 | ||
| Poor | 23% | $ 932.14 | $ 27,300.00 | ||
| $200,000 Home Purchased Over 30 Years | |||||
| Credit | Rate | Payment | Cost of Bad Credit | ||
| Excellent | 7% | $ 1,330.60 | $ - | ||
| Fair | 10% | $ 1,755.14 | $ 152,834.40 | ||
| Poor | 15% | $ 2,528.89 | $ 431,384.40 | ||
Monetarily speaking, the difference is massive. Just in these 2 examples, with the extra money you would have to pay for having bad credit, you could almost buy a second vehicle over 7 years! But over 30 years you would pay enough extra to buy 2 additional houses! That’s not counting all of the additional fees you would pay for bad credit throughout all other facets of your life. And it doesn’t stop there either. People with good credit typically enjoy less stress, more confidence, more fulfilling careers, better health, better relationships, more money, more opportunities for success and generally lead happier lives than people with bad credit.
All that because of a STUPID NUMBER! A stupid number that, we might point out, is calculated and maintained by an industry and a system so arbitrary that it has been set up specifically so that you have almost no control over it whatsoever. So it stands to reason that repairing your credit and improving your credit scores is very, very important and can’t wait any longer. It also stands to reason that since up to 97% of people who attempt to fix their credit themselves fail and give up, you should use the services of a credit repair company who has been “in the trenches” fighting this battle for consumers for more than 15 years.
Clearly a person’s credit score is one of the most significant contributing factors to overall happiness, satisfaction, success and quality of life throughout their entire adult lives. It also happens to be one of the most important and most valuable (albeit overlooked) assets any American adult will ever possess.
“To say that it should be a top priority for every American to improve their credit is beyond obvious common sense and logic - it’s just a no-brainer.”
Credit Repair BattlePlan™ is dedicated to helping every American who wants to clean up their credit reports, improve their credit scores and free themselves from the chains of a lifetime of bad credit. And we back up that claim with a 15 year track record of success, a stellar record with the BBB and more than a quarter of a million satisfied clients. Professional credit repair is fast, easy and VERY AFFORDABLE. It even comes with a satisfaction guarantee. So what are you waiting for?
Are YOU ready to take control of your credit score and reclaim your life?