Credit Repair - Insider Secrets, Tricks, Tips, and Techniques

So Where do I begin? I suppose I'll begin way back at the beginning because I've never been a fan of flashbacks. It all came to a head in late 2002. My college bills had piled up on me, the job market was crushingly brutal after the 9/11 attacks. I felt like a caged, talented wild lion bursting to escape the jail of unemployment and leap out into the job jungle.

For over a year I did what you know you have done. Follow the path, search Craigslist for jobs as well as other sites, send them green colored, pungently scented resumes using power puma mating scent Ron Burgundy style, call them on the phone to "make sure" the recruiter got it...BASICALLY a big f*cking waste of time!

Aarrrrgggg it hurts when I pull my hair out in frustration.

As my bills continued to run seemingly like the meter on the gargantuan billboard for the national debt my depression invaded deeper into my psyche.

I paid the minimums and the $30,000 balance only grew!! Then of course, I ran out of reserves. Imagine floating cautiously over a perilously stacked house of cards sitting on a flimsy little table then having some mean spirited yet gainfully employed banker kick the legs out from the table.

BOOM!!

I crashed hard with no golden parachute no matter how frantically I searched. Where's this "soft landing" I always hear about on the news. (side note I stopped watching the news). My missed payments zoomed past 1, 2, 3 months. My balances were skyrocketing higher faster than an Olympic sprinter superhyped on steroids and crack!

Late fees, overdraft fees, overlimit fees, you're a no good dirtbag lazy bastard fees. Where does it end?

Then I stumbled upon the solution. Click here for the $797 solution. (just kidding). I thought it was the solution. "Eliminate Your Credit Card Debt Without Bankruptcy" screamed the headline.

It cost $2997 which I still had room for on the 1 card I had scraped and killed to keep current.

The process did stop the calls due to the Fair Credit Reporting Act but it was like putting a band aid on a severed femoral artery (biggest artery in your leg).

The big problem was the now $34,000 balance of total debt hung that hung over me. I felt the pain I can imagine Atlas felt holding up the weight of the entire world for at this point in my life this was MY ENTIRE WORLD!

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The harassing and indignant phone messages (you know the story...stop answering the phone because only creditors are calling attempting to extract blood from a stone) almost ceased. Still got letters demanding payment though.

That pretty much sums up the last 5 years of the collections process. Boring process I realize but you have to give the persistent pricks credit for keeping on keeping on.

Fast forward to today.

My damaged credit is starting to be an issue. My entrepreneurial aspirations are being thwarted by the "damning 1's and 0's". The computer file is killing me.

It has caused:

1. denial of real estate investment loans (even "hard money" loans)

2. denial of merchant account for business (my customers credit SHOULD be the only issue)

3. denial of employment opportunities (though they would never admit it)

4. denial of insurance or sky high premiums if they grant me insurance

It seems everyone and their crazy brother-in-law wants to pull your credit for anything these days. So I begin my quest to repair this injustice I have perpetrated against myself. I take full responsibility for my decision and the shape my credit report is in. I hold no grudges and hindsight truly is 20/20.

Now the time for introspection, reflection, and pondering my next move has passed. After many long and laborious hours scouring the internet, I found some good info. The credit repair process is well under way. Do it yourself credit repair is time consuming but rewarding. Credit Secrets Bible is the best resource I've found. 51,277 financially savvy people have already changed their lives using this powerful and easy to use info.

When is now a good time for you to get the home, car and life you deserve and dream of. Discover and then avoid my mistakes. Repair your credit report now.

I was talking the other day with my neighbor John. He has a credit score of 765 and was bragging about how cheap he gets access to money and the low monthly payments on his home.

I imagined how great it would be to have that same access. Then as I was daydreaming about the good life it hit me...How much was my bad credit costing me each month? How much over the 30 year life span of debt?

So I went to find out and here are the gruesomely ugly (for me anyway) results:

And now the difference in wealth directly out of your pocket for a car loan..."