credit repair secrets from the credit secrets bible

The OFFICIAL SITE Of The
CREDIT SECRETS BIBLE

If You Can Read And Write at the
5th Grade Level Then I Can Show You The Secrets To Raise Your
Credit Score up to 249 Points
In 90 Days and
Get APPROVED For The CAR, HOME, Business Loans, and CREDIT CARDS You Deserve!

From: Terry Price

RE: The All New OFFICIAL "CREDIT SECRETS BIBLE

Dear Fellow American,

If no credit, low credit or even "horrible credit" is keeping you from getting the finer things in life - this will be the most important message you'll ever read. Here's why: over the last 9 years I have developed a foolproof system for helping ordinary people "BLAST THEIR CREDIT SCORES Through the roof!" and get approved for the credit they deserve

With a 720+ Credit Score you can be approved for the Car, Home, Business Loan and Credit Cards you deserve - in minutes! It doesn't matter if you currently have NO CREDIT or even HORRIBLE CREDIT. I personally guarantee that once I reveal the secrets of the "credit system" you will be able to amass THOUSANDS of dollars in credit cards and cash advances in NO TIME FLAT!
The Problem

If you're like most Consumers, the problem right now is that you DON'T know "HOW" the system works. For example
Are you aware that the credit report banks and businesses get to see has about TWICE the financial information compared to the credit report you receive from the credit bureaus?

That's right. In most cases, the credit bureaus send a much more detailed report to businesses than they send to you. A bit deceiving, isn't it?

This is why banks and businesses (except mortgage lenders) will NEVER give you a copy of "your" credit report. No. They'll look you in the face and tell you to request your own copy from the credit bureau (If you don't believe me, next time you get turned down for credit, ask them for a copy of your credit report and see what they say).

The credit system is full of "little secrets" like this. Most people find them frustrating. However, I enjoy showing consumers like you how to take each one of these secrets and use it to your advantage. For example
Regardless of your current credit situation, I'll show you how it's possible to delete negative items off your credit report, fill your wallet full of credit cards and build a credit score so high even your banker will be impressed!

Like many of my clients, don't be surprised when your friends and family begin begging you to take their money to help them build their credit once they see how you're able to "work" the system. Believe it or not, fixing and building your credit is just like anything else in life:
It's Easy. Once You Know How

I love revealing the secrets of the credit system so people like you can gain an unfair advantage in the financial world. It's very rewarding. More importantly, I cherish the letters I receive from clients who have been able to turn their lives around by getting approved for the Cars, Homes, Credit Cards and Business Loans they never thought they could.

Let's face it. We've all had some credit problems in the past But don't let it get you down! If you can read this letter than you have what it takes to learn every secret I will share with you in an exciting home study course called the "Credit Secrets Bible".
P.S. I want you to learn how to "fight back" against those who are making your life difficult - and holding you back. With the "Credit Secrets Bible" I guarantee your entire outlook on life will change forever. However, I don't know how long I will be able to make this information available. For obvious reasons, there are a lot of people who do NOT want us making this information available to people like you. It gives you an almost unfair advantage to beat them at their own game. Therefore we reserve the right to change this offer at any time.

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It is happening all around you. Your next-door-neighbor may have to file for bankruptcy protection. The family across the street is in danger of losing their home to foreclosure by the bank. Your brother-in-law can't get a decent interest rate on a car loan. But you certainly don't have any credit problems. Or do you In this article we will spell out three signs that you are in need of credit repair, and provide some solutions that work.

Sign #1 Your credit score. You've heard about the importance of credit scores. You knew that everything from the interest rates you pay to your insurance premiums are based on them. But you thought that your credit score was just fine. After all, it is a nice round number, 600.

That is not a good credit score, and is a sure sign that your credit is in need of repair. In fact, any score under 720 could use some improvement. Credit scores range from 300 to a perfect 850. The three major credit bureaus (Experian, Equifax, and TransUnion) collect information about you from the companies that gave you credit in the past, and then write up a report. Your credit score is derived from those reports. The higher your score, the less risk you pose to lenders and the more likely it is that you'll get their best available interest rates.

Sign #2 Negative items on your credit report. It's been over a year since you were late with a credit card payment. Certainly, your credit report has improved since then. Just to make sure, you get a copy of your credit report, and those old, late payments are still shown as negative items. Why

If you don't take action to clean up your credit report, those old negative items will linger for up to 18 months on your credit report. And each negative item will drag down your credit score.

Sign #3 Trouble getting a decent car loan. You've just gotten a new job that pays more than you've ever made before, but it will require a longer commute than your old car can handle. You're at the car dealership, ready to close on the new car you deserve (and think you can afford). You're sitting in that little room with the dealership finance guy, and he's handing you the pen to sign the new car loan. But wait, those payments are higher than they should be. The reason you are getting socked with a much higher interest rate because of your credit report. Now you're stuck. You need the new car to make it to your new job, so you sign the loan papers. Ouch!

These are all signs that you are in need of credit repair. A little time and effort spent on cleaning up your credit report will pay off big time. Depending on your abilities and the severity of your credit problems, you should be able to tackle the repair effort yourself. If not, there are reputable credit restoration companies who will work with you (for a fee).

Be alert for the signs that your credit is in need of repair, take action immediately, and enjoy the financial rewards of a higher credit rating.

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The FBI has called it "The fastest growing crime in America." Close to 10 million Americans every year are victimized by it and the costs are estimated at 50 billion dollars annually. Many criminals get off easy while the victims spend years working
to restore their damaged credit reports and reputations. Worse yet, there seems
to be no end in sight.

"The popularity of the crime is simply growing faster than the solutions to stop it" many experts conclude. The task of recovery is so time consuming and tedious, multiple states have resorted to creating "Identity Theft Passports" for victims in an attempt to ease the pain for them as they endure the lengthy and frustrating clean up process.

By the end of this article I will share with you the secrets of making yourself virtually identity theft proof in 60 minutes or less (for free). I use the term "secrets" because less than 1% of the country are aware of these techniques (let alone practicing them).

If Americans took these preventative steps up to 99% of all identity theft would be eliminated. However, "why" this beneficial approach is not being made common knowledge in the mainstream media is something I will not disclose in this article (more on that another time). For the moment I believe the biggest crime one can ommit is to not share this information with their friends and family (by the end of this article you will understand why).

Unlike other authors covering this subject I will not insult your intelligence by sharing common sense tips like "Don't carry your SSN Card or ATM PIN# in your wallet or purse" or "Keep all data sensitive documents like credit card and bank statements locked up in your home or office". This is elementary advice at best. The key to protecting yourself from identity theft is to look at what the masses are doing and then do the opposite (to say the least).

Almost 70% of Americans are now shredding all their mail and documents and many are even subscribing to credit monitoring services or buying identity theft insurance in an attempt to protect themselves from becoming victims. While this is better than doing nothing it's a far cry from TRUE security.

Study The Past To Predict The Future

Contrary to popular belief statistics show the majority of identity theft does NOT result from the internet as most consumers have been led to believe. In fact, less than 10% of identity theft cases (where data compromise can be determined) originated online. In almost 50% of cases consumers are the ones who detect the breach. In nearly 40% of cases the criminal was someone who was in close contact with the victim (friend,relative, neighbor, coworker, in-home employee, waiter/waitress or financial
institution employee). In then end,nearly one third of identity theft cases come from a stolen wallet/purse,checkbook or credit card.

More interesting, the age of the primary victim has lowered. If you are between the age of 25 to 34 you are now the largest target for the crime (65+ has become the smallest). The bad news is that while identity theft nationwide is on the decline (8.9 million victims last year down from 9.3 million in 2005) the dollar amount per victim is going up ($6,383 last year, up from $5,885 in 2005) and so are the number of hours victims spend cleaning up the mess (40+ hours last year, up from 28 hours in 2005).

We've all heard the saying "An ounce of prevention is worth a pound of cure". Yet, no one is practicing it in the pandemic of identity theft. Credit monitoring is nice but only 11% of consumers ever catch identity theft through this means. Identity Theft Insurance (according to many experts) is even more of a hoax. A product marketed by playing on the fears of American consumers which does nothing more than assist them in cleaning up the mess only AFTER their identity has been stolen.

A Different Approach

The following is a completely different approach to preventing and protecting ourself from identity theft. It is based on the reality that we live in a world now where there is zero privacy of personal data. Meaning that your name, address, phone number, social security number, date of birth (even your mothers maiden name) can be obtained by ANYONE for a fee.

If you're one who feels this is paranoid thinking let me tell you about Amy Boyer. In 1999 Miss Boyer had an old high school classmate (Liam Youens) come back into her life many years later. Mr. Youens obtained Amy's SSN and other personal information after paying Docusearch Inc. $150. After Youens shot Miss Boyer to death he then turned the gun on himself. Today the company tells visitors to its website that "not all searches are available to the public" and some are reserved for the investigative and legal industry. How's that for homeland security?

With this "different" approach we break down identity theft into two distinct
categories. 1.) Basic Identity Theft, and 2.) Credit Hijacking. By definition "Basic Identity Theft" is when the perpetrator steals your identity and then uses it to obtain NEW credit accounts for their personal gain. "Credit Hijacking" falls under a criminal stealing your identity in order to access and use your EXISTING credit accounts. Each type of fraud is different and therefore so is your plan of defense.

BASIC ID THEFT DEFENSE: The best proactive defense against basic identity theft is through the placing of an "Initial Fraud Alert" on all three of your credit reports. This "Initial Fraud Alert" accomplishes three important factors: 1.) Your name and personal information can no longer be sold by the credit bureaus to ANY third parties for any marketing purpose (i.e. credit card offers, loan solicitations or credit pre screenings). 2.) No one can be approved for credit with your personal information until the creditor personally calls you at the telephone number you list on your consumer credit report. And, 3.) Requesting this initial fraud alert entitles you to a free copy of all three of your credit reports (one copy from each of the three major credit reporting agencies). Please be advised that this is an "Initial Fraud
Alert" which lasts only 90 days. To extend the fraud alert and obtain the above mentioned benefits for 7 years you will need to write to each credit bureau at the address provided within your initial fraud alert confirmation letter (Note: It is likely credit bureaus will make the extended alert harder to obtain as a great deal of their revenue comes from the third party rental and sale your information).

CREDIT HIJACKING DEFENSE: Most online merchants now utilize a security feature known as "Address Verification Service" or "AVS". AVS is a security feature for online merchants allowing them to only authorize credit card transactions for merchandise to be shipped to the same address which appears on the consumers credit card billing statement. If the address does not match that of the credit card billing statement the transaction will automatically be declined. In other words, if someone gets your credit card number, expirations date and CVV code (the three digit code on the back of the card) the only way a transaction can be authorized online is if the merchandise if shipped to the SAME address that your credit card billing statement is currently sent to. This is what makes credit hijacking so dangerous. When a criminal hijacks your credit they call up the banks (posing as you) and change your address on your credit cards with your personal information (i.e. last for of SSN and mothers maiden name) as if you were moving. They then proceed to order thousands of dollars in merchandise (online or over the phone) to be shipped to the "new" address. Because they changed "your address" on your credit cards they will bypass the AVS security from online merchants and the charges will be approved.

The only real defense against credit hijacking is to establish a personal security code with all your bank accounts and credit cards. This is a form of security which goes beyond your SSN, Zip Code, Date of Birth or Mothers Maiden Name to give you a whole new tier of personal security. This is a unique number or group of letters and numbers which you create and give to every credit card provider you have. For example. The number could be as simple as "JACOB2801" which is a combination of your best friend as child and the numerical address of the home you lived in growing up. By establishing this auxiliary passcode with all your credit card providers no one will be granted access to your accounts without it providing it to them. Since you are the only one who knows it and it is non public it is truly secure. I have yet to find a credit card company which will not allow you to create a such a passcode and added layer of security. To find out more click the link below, thanks!

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