From The Desk of Ray White - Paralegal
Monday 9:45 AM

First, let's put our cards on the table. You came here for a reason. At some time in the past something happened that changed your credit situation and now you are paying the price. Credit has become more difficult to obtain, or perhaps even impossible. Maybe you are growing tired of hearing NOT At This Time, NO or NO WAY. Or perhaps you just find yourself paying higher and higher interest for the loans you do get, and let's face it, that's the pits. Let's get real, when you need credit you need it NOW, not one or two years down the road.

The cost of a low credit score goes way beyond just higher interest rates. It includes higher rates for car insurance, higher rates for life and health insurance and even higher rates for homeowners and renters insurance. There is plenty of incentive to do something about your credit.

My name is Ray White and I have been working for Bankruptcy Attorneys as a Paralegal for several years. One thing I have found is that all our clients want to improve their credit rating and get truly re-established in the credit world. They want to be able to re-finance their existing home or buy a new home with reasonable interest and terms. They want to be able to buy a new car and pay the advertised interest rate, not the inflated interest rate for those with damaged credit. I have been teaching our Bankruptcy Clients for many years how to boost their Credit (FICO) score and I can help you too!

Is there a way to actually, legally change your credit score? How long does it take? Can I do it myself or do I have to hire one of these high priced firms to do it for me? These are the most frequent questions we are asked. We will answer those questions for you.

The term credit repair is really a misnomer. When you have poor credit it isn't really broken, in the true meaning of the word. Poor credit needs to be restored to good credit again. All lenders go by your credit score to determine your credit worthiness. Your credit score is also tied to the interest rate you will pay for a loan or mortgage. A low credit score can cost you thousands of dollars over the life of a loan, high score low interest, low score high interest.

Is Credit Repair Legal? Yes and no, it really depends on several factors. There are some unscrupulous companies who make all kinds of claims about repairing your credit and even going so far as guaranteeing you a better score in 10 days or less. You may have seen their ads which claim they will erase Bankruptcies, Collections, Judgments, Tax liens and more all in 10 days. Hold on to your checkbook because they might be an outright fraud that the FTC warns consumers about. There are many frauds in the marketplace but there are also many legitimate methods we teach you to use to delete inaccurate, unverifiable and obsolete listings on credit reports.

The difficulty comes in trying to determine which is legitimate and which is not, and not get bilked in the process. It is estimated that dishonest companies offering to fix and repair credit reports have fleeced consumers out of Hundreds of Millions Of Dollars. So as we can see, the age old saying Caveat Emptor (let the buyer beware) absolutely applies here.

With our legal knowledge and strategies we have developed, we show you how you can remove many negative items from your credit reports including:

Bankruptcies Charge offs Collections Foreclosures Identity Fraud and Theft

Incorrect Information Inquiries Judgments Late payments Repossessions

Working within the credit bureaus maze and bureaucracy requires considerable expertise and knowledge. Let's not forget that the Credit Bureaus ARE NOT non-profit organizations whose mission is to protect the consumer. They are for profit companies who are paid by the creditors to report information collected about the consumer.

Correcting errors is only part of the story. We also teach you a lot of credit creation strategies that we have learned over the past 30 years to help you build and maintain a good credit rating. When you use our strategies we take you to the next generation of credit restoration. And that means the principles and concepts we teach you can keep your credit ratings high through out your life.

Here is the story, as a Paralegal part of my job is to help the law firms clients get back on their financial feet after their bankruptcy. For example here is what one client said!

"I was turned down for a car loan more times than I want to remember before I met Ray." Then after applying the principles he introduced to me I bought a Brand New Car at advertised interest rates. I was amazed! I'm not kidding, I actually thought I would never be able to buy a decent car. I really thought I was doomed to just buying cheap used cars that were one foot out of the junk yard grave. JC-Denver

What does this mean for you? Well if we can help some who just got out of bankruptcy get a car at advertised rates with very little money down. Just think what these "Secrets" can do for you. What do you need? A new car that gets good gas mileage so you can afford to buy gas? Are you renting and want to buy a home but have been told "work on your credit and come back in a couple of years"? Or maybe you want to refinance your home so you can have lower payments! Or perhaps you just want a credit card! All of these things are possible and you don't have to wait forever, when you have the "Secrets"!

Listen, it all comes down to this... The Credit Bureau's job is not to help you straighten out your credit and help you boost your credit score. The mortgage brokers aren't going to show you how to rebuild your credit. Oh, they will sometimes tell you they will help you and sometimes give you a few ideas. But their job is to get loans for people, and like most sales people they take the path of least resistance, the folks with good credit! Your banker isn't going to help you. They are just going to tell you "Pay Your Bills On Time" for the next five to seven, and eventually your score will increase. Let's face it, if you wanted to wait forever you would not be here. There is no good reason to wait, you want to get a higher score NOW, or as soon as possible. The simple fact is I can help you get your score up enough to get the credit you need in very short order!

Now you may ask, why are you going to give me this information for FREE? Excellent question which deserves a simple straight forward answer. I want to give to give you something FREE as a way of introducing myself. You see, you don't know me either. But by sending you my FREE Mini-Tutorial you will get to know me a little and see what else I might be able to offer to help make your life easier and more enjoyable. But Just so we are clear, you are not under any obligation for anything this Mini-Tutorial is yours FREE. No Hooks, No Tricks its yours for FREE!

Here's Just a Little Taste of What You Are About To Experience!
• 7 Secrets Credit Repair Companies Charge You Hundreds of Dollars to Tell You.
• 5 Secrets Every Woman Must Know Before Signing Any Credit Application.
• 3 Simple Secrets To Getting Pre Approved Credit Card offers In Your Mail Box.
• Why Being Self-Employed Hurts Your Credit Rating And A Simple Fix.
• Why Paying off Your Credit Cards Each Month Actually Gives You LESS Credit

Let's think about this for a minute. Every day as a Paralegal, I help good hard working folks, like yourselves get their financial house back in order. You see the reality of poor credit is that some of it is caused by the individual, but frankly some if is caused by the credit system. As an example here is what happened to one person.

"I Got a Letter From The IRS Demanding Payment of Taxes on A $23,000 Debt That Was Charged Off" "Someone had stolen my identity and not only wracked up this huge debt, they had charged and never paid several other things in my name. By using some simple methods and letters from the Credit Secrets I was able to get this horrible situation resolved. And I learned how to be more informed so this would never happen again. SG (Retired Widow) Texas

The bottom line is if you don't take action to change your credit score, so you can get the Good Credit to buy the things you want and need it will never happen. The reality is you will make some sort of decision today.

1. You will decide to take me up on the offer of a FREE Mini-Tutorial.
2. You will decide to think it over and leave the site to come back some other day.
3. You will decide to let the credit chips fall where they may.

The truth of the matter is only one of these will actually help you improve your Credit Score and get your Financial Credit House back in order.

To Receive your FREE Credit Secrets Mini-Tutorial, Just enter your First Name and Email address Below First Name: Your E-Mail: I Will Never Share Your Information with anyone Period!