FreeCD- How I Took My Credit Score From A 487 To A 787…….and you can, too!
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Why Did I Create This FREE CD?
Because, quite honestly, I am tired of seeing people just like you confused about credit and being taken advantage of by a system they don’t understand.
I know what it is like to have a dream that you can not achieve because of circumstances that feel beyond your control.
I wish I had had this information in my 20’s…
My life would have been so much easier…
So, if you are struggling with credit and finances, are tired of being ashamed of your credit file, want to dramatically improve your credit score and be in control of your future…
Then keep reading…because you are about to find the solution. But first I want to share a story with you…
I was born and raised in the sleepy little town of Ocala, Florida (a fate worse than death). I grew up in a single parent family. From the time I was 5, my bedroom was the dining room (with no door or closet) of a small one bedroom apartment. This continued until I was 17 and joined the military.
My bed was a mattress from a rollaway bed that was placed on the floor when it was time to sleep and then neatly folded up each day and wedged in a corner between a bookcase and the bar to the kitchen.
In our household, credit wasn’t an issue. Survival was.
At the age of 14, I was forced to lie about my age to get a job. At that point, I began working 1, 2 and sometimes 3 jobs while going to high school to make ends meet.
At the ripe old age of 14, I became the sole financial provider.
At the age of 16, the hours of work combined with the hours at school simply became too much and something had to give. So, I made the supremely intelligent decision to drop out of high school because it was interfering with one of my jobs washing dishes at the local Quincy’s Steak House (remember the big fat yeast rolls?).
Am I smart or what?
I was never taught about money, finances, credit, how to buy a home, how to buy a car, how to maintain good credit, how to make money, how to balance a checkbook, ……….
And I am guessing you weren’t either.
Amazingly, the things that impact us the most, we aren’t taught about in school.
(And yet, somehow, it was important for me to learn how to make a shoe shine box in wood shop. Yeah, wow, that knowledge came in handy in later years when it was time to buy a home. )
And so, like most people, I was left to face the world…
As you can imagine, I have faced overwhelming odds and experienced great personal disasters.
Through a series of ups and downs, I built great credit and destroyed great credit.
The destruction came from a variety of methods.
Sometimes it was sheer stupidity. Sometimes it was plain laziness. Sometimes it was an educated decision to either pay a bill on time and starve or don’t pay a bill and eat. (I’ve grown very fond of that thing called eating).
One thing I will tell you is this, our society has us conditioned to accept being judged and graded on how we pay lenders.
And if you buy into that system, you also know that few things are more demoralizing or feel worse than being turned down for a loan or credit card. (I remember the sting of being turned down for credit cards, car loans, mortgages, personal loans, you name it. They make you feel like a deadbeat.)
I also know how it feels to get approved for a brand new Lexus, and to get your wife that new Mercedes & BMW convertible (yes, we’ve had all three), a $620,000 custom built home built to our exact specifications and a wallet full of Visas, MasterCards, and American Expresses.
Life certainly is easier with great credit.
And not managing great credit properly can turn your life into an absolute nightmare.
Despite my humble beginning, I have always been a voracious reader and huge fan of continual education.
The bottom line is this, if you aren’t constantly learning, you are constantly getting dumber. The most highly valued and sought after resource on the planet is information.
But not just any information, the right information.
After I dropped out of high school, I had the good fortune to have a guidance counselor who actually cared. When she requested that I reconsider and come back, I explained to her that school was designed to go at the pace of the slowest student and I simply couldn’t sit there for 8 hours a day while the teacher tried to explain things until everyone understood the material. I needed a course that would allow me to go at my pace, not someone else’s. And so, she waved her magic wand and setup a program that enabled me to have immediate access to ALL of the curriculum for my junior and senior years of high school. Attending just a few hours a day, a few days a week, I completed the 11th and 12th grades in 3 months and was awarded my high school diploma. (not a GED).
What the system said should take me 2 years
only took me 3 months !!!
That is called Fast Tracking.
And that what I want to share with you…my insider secrets that will Fast Track You To Perfect Credit!
Why waste years of agonizing pain when you can do it in months?
It was good LUCK that enabled me to complete 2 years of high school in 3 months.
(I remember how jealous some of my friends were.)
For this to work for you, you are going to need some good LUCK, too.
What is LUCK and how do you get it?
LUCK has been defined as:
And that is what I want you to be doing…………Laboring Under Correct Knowledge.
It has also been defined as, “When preparedness meets opportunity”.
If you are prepared, this is your opportunity.
Are you going to take it?
Or are you going to live more years with bad credit and shame?
I have already done that for you. Wise people learn from the mistakes of others.
I want to show you exactly how, starting with horrible credit, I got bank loans, bank issued credit cards, car loans, mortgages and every conceivable type of credit you can imagine.
IF A FORMER HIGH SCHOOL DROP OUT CAN TAKE HIS SCORE FROM THE 400s TO THE 700s IN A FEW MONTHS, WHY CAN’T YOU?
I am going to show you insider secrets that the lenders and credit bureaus don’t want you to know.
I am going to show you how to work the system and make it work for you instead of against you.
I will also show you how to survive without credit, how to survive without a bank account (and how to get one with bad credit).
Learn all of the insider secrets that the lenders don’t want you to know so they can charge you higher interest rates.
Still not convinced?
Let me ask you this……….
If I told you that I was taking you to Las Vegas and we were going to gamble with your current income, life savings and future earnings playing a game that you didn’t know all the rules to and the dealer could change the rules at ANY time in his favor, would you want to go?
Would you risk your current income, life savings AND
future earnings playing this game?
NO?…….Really?…………You do it every day.
You see, the credit game is stacked against you. The lenders make the rules. The lenders know the rules. The lenders do everything in their power to make sure you don’t know the rules. Think not? Don’t believe it?
Did you know that the module used for credit scoring, otherwise known as FICO or Fair Isaac, is kept secret so that YOU the borrower cannot manipulate it to increase your credit score. That’s right, the grading system is kept completely secret and changes constantly.
Did you know that until recent legislation was passed, lenders had laws in place forbidding banks, car dealerships, mortgage lenders, credit card companies, etc., from providing you with a copy of the report with the score they were using to make their decision? Can you believe that? And it was through this practice that consumers were robbed blind as they were told that their credit score was less than it actually was and this resulted in them having more costs and higher rates than what they actually qualified for. All so the lenders could profit.
Remember what I told you about being forced to play a game that was stacked against you? Lenders require you to provide full disclosure but they were unwilling to do the same until forced to by Congress.
Now, let’s talk about that trip to Las Vegas again.
Suppose this time I tell you that I am taking you to Las Vegas and we were going to gamble with your current income, life savings and future earnings playing a game that you didn’t know all the rules to and the dealer could change the rules at ANY time in his favor, but this time, I was going to give you the rule book and every time the dealer changed the rules, I was going to give you those new rules as well AND I was going to give you all the strategies and techniques to beat the house at their own game, now would you want to go?
Of course you would, because now you wouldn’t be gambling.
So, the real question is, how much longer are you going to continue gambling with your current income, life savings and future earnings without knowing the rules of the game and without knowing when the lenders, credit repositories and scoring modules make changes to the game?
High School Dropout Becomes
Highly Paid Advisor to Millionaires
In what can only be described as a bizarre turn of events, the knowledge I obtained from personally destroying and repairing my own credit actually provided me with a knowledge that was highly sought after by six and seven figure income earners, millionaires and multi-millionaires. Why was that?
I also became an expert on wealth management, asset protection, investment grade insurance, estate planning and taxation. Wise investors are masters of what is called leveraging OPM (other people’s money) to create high yield returns via arbitrage. You are probably thinking, “arba-what?”. It is just a fancy way that the financial and investment sectors say they borrow money at one rate and lend it out at a higher rate (just like banks do). It is no secret that the lowest interest rates are awarded to the people with the highest credit scores. So, improving credit scores and repairing credit became essential because it had a huge impact on the investment’s rate of return.
I have personally been paid as much as $62,000 by one client on one deal because of my knowledge of the credit system, ability to effectively work within it to achieve the desired results and ability to properly structure the deal.
You will have access to the same information that a millionaire paid me $62,000 for.
“Thanks so much for the great information! My credit score is up 100 points in just 62 days. And the best part? I will have this knowledge for the rest of my life. I can’t tell you how good it feels to finally be in control of my future! “ A. Anderson, Cumming, GA
Find out how you can MAXIMIZE your Credit Score with your FREE CD today! All we ask is you cover the $5.87 shipping cost. So what are you waiting for? Don’t miss out!
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“7 Secrets to the Best Possible Credit Score”
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And It’s FREE
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What Secrets Do I Reveal In My FREE CD?
|SECRET #1: Why Paying on Your Due Date Actually Lowers Your Credit Score!|
|SECRET #2: How Banks and Lenders Can Raise Your Score in as Little as 48 Hours…if you ask!|
|SECRET #3: How you can get legitimate derogatory items removed from your credit file! (And why you need to know how to do this yourself and NOT rely on a credit repair company)|
|SECRET #4: Why paying off your highest interest rate cards first isn’t the best thing for your credit score!|
|SECRET #5: How You Can Get Your Negative History from Your Student Loans COMPLETELY REMOVED!|
|SECRET #6: How to get a loan from a BANK with terrible credit!|
|SECRET #7: How You Can Use $1,000 to secure 5 times that in credit lines!|
…and many many more well-guarded secrets for maximizing your credit score!
Bonus #1 FREE CD
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“Credit Repair College”
$37 VALUE! YOURS FREE TODAY!
Do you want to know everything you need to fix your credit now and for the rest of your life? When you get your CD today, you will also receive a FREE 14-day trial membership to my exclusive “Credit Repair College” membership club. See our training course outline here to see everything you will learn!
During our 7-part Training course, you will receive our weekly Video Trainings via email, which include:
- PERSONAL COACHING from me that takes your step-by-step through the entire credit repair process. If you follow my easy directions, you can have your MONEY in no time!
- CASE STUDIES AND SPECIAL CIRCUMSTANCES Even if your situation is more complicated than most, my special training will teach you everything you need to know!
“Thanks for your help! I can’t believe I raised my score over 132 points! All in less than four months! I feel so in control of my life now!” Jay Cullen, Atlanta, GA
It never ceases to amaze me the amount of misinformation and misunderstanding that exists. For example, I was recently working on a real estate transaction for a colleague of mine. To put this in perspective, we had worked together 9 years prior in the mortgage business, before that he had worked in the car business as a finance manager and was presently working again as a finance manager making $150k per year.
Like me, he has seen literally tens of thousands of credit reports over the years. A nasty divorce, as it usually does, had destroyed his personal credit.
When we were discussing credit restoration, he indicated to me that he needed help with credit repair.
Honestly, when he told me this, I was astonished. I remember saying to him, “With your understanding of credit, you don’t need to sign up for a credit repair company. Heck, you probably know more about credit than they do.”
His response was even more surprising. He said, “Vincent, honestly, I have seen thousands of credit reports. I know how to read them, know what to look for, know how to underwrite loans for both cars and homes using them, but I don’t know the first thing about what it takes to repair them.”
My mouth dropped to the floor. It was like getting hit over the head with a frying pan. Here was a guy who was a six figure income earner, had been in the finance business for more than a decade, had been involved in more than ten thousand transactions involving credit reports, worked on deals every day and admitted that he didn’t know the first thing about credit restoration. How could this be?
This is when it occurred to me that if this guy didn’t know anything and he dealt with this every day, what did the average person know?
And worse yet, how badly was their life being impacted because of their lack of knowledge?
So, with that, we decided to create my FREE CD of my top insider secrets. And why I want to invite you to Credit Repair College. (And GIVE you Two Weeks FREE!)
To Empower You To Take Control!
Because No One Cares More About Your Credit Than You Do!
Be a Victim No More!
I know without a shadow of a doubt you’ll do the right thing.
Next week, you don’t want to regret your decision to not get your FREE CD!
Instead, you want to be checking your mailbox for your FREE CD!
You have nothing to lose here – but I bet you would like to know all of the INSIDER SECRETS that will help you get the CREDIT you deserve!