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The TRUTH About Creating An Alternate Credit File

-by Terry Price

(C) Copyright Terry Price
All Rights Reserved

Click Here If You Are In a Rush
=======================================

   What if I told you there was a way you could solve all your bad credit
problems overnight by creating a brand new credit file in 24hrs - would you be
interested?  And what if I told you this program was 100% legal and even
backed by the federal government - would that sound too good to be true?

   Well... you're right.  It is too good to be true but these types of ads
are now surfacing again after the Federal Trade Commission launched
"Operation New ID Bad Idea" over 8 years ago.  This operation targeted
(and took down) over 50 credit repair organizations and companies selling
consumers both pamphlets and services giving them a brand new credit file
under the pretense it was 100% legal and in some cases even claimed it to be
a "government sponsored" program!

   The con was simple.  Companies would target consumers with bad credit
and offer to create a brand new credit file for them by substituting an
Employer Identification Number (EIN) for their Social Security Number (SSN)
along with a new address.  EIN's were obtained from the Internal Revenue
Service on behalf of the consumer. With the EIN and a new address the
companies would either have the consumer apply for credit with the "new
information" or the company would apply for them.  When the creditor would run
the application it would automatically create a new credit file because the
computer would be unable to find the consumer in the database due to the new
address and SSN.

   While there is some dispute among privacy experts as to whether or not
this is legal, the FTC's actions at the time were not up for debate.  Companies
were advertising and luring in consumers in order to have them falsify
credit applications by providing new information such as their address and
SSN in order to obtain credit.  This was a direct violation of the Truth in
Lending Act (TILA) and worse yet, the companies were advertising to consumers
that this was 100% legal and in some cases claiming it was a government
sponsored program.  As you'll hear me say often "In reality, nothing could be
further from the truth".

   Privacy experts will argue that using an EIN or 9 digit PIN (simply a
made up number) in place of ones' SSN is completely legal since creditors are
on shaky ground asking for your SSN in the first place.  In regards to the
truth in lending act they will argue that one has to exhibit "an intent to
defraud" a creditor.  My question "Is  concealing ones' adverse credit history
intent in itself?"  While I am not an Attorney on the matter of credit law I
can conclude that if a consumer was to create an alternate credit file using
the EIN or PIN method they better be darn sure they never have a problem
paying their bills.  If they do, they most likely would find themselves in a
courtroom with a case involving credit fraud.  Which brings me to my next
topic.

How To Create An Alternate Credit File Legally

   Most consumers are unaware that in addition to consumer credit reports,
both Experian and Equifax own and operate business credit reporting
services.  By creating a business credit profile a consumer can now
create an alternate credit file legally.  While some creditors such as
residential utility companies will not allow you to use business credit in
place of personal credit, we have had numerous clients who have successfully
used business credit to obtain credit cards, automotive leases and loans.
This technique (although controversial) can be very effective when done
properly.

   The basics of building business credit involve 1.) Setting up the
proper structure for your business (i.e. Corporation, LLC, etc.).  2.)
Obtaining an EIN as well as a DUNS number (Dunn and Bradstreet).  3.)
Borrow and/or buy products and services from vendors who reports to business
credit reporting agencies such as Experian, Equifax and Dunn &
Bradstreet.  While building business credit requires time just like personal
credit, don't get discouraged. Remember, when you set out to begin
building your business credit you are starting with a clean slate.  This is
when it becomes imperative that one learn from the mistakes of their past.
Remember, in the credit world those who do not learn from their past are
(inevitably) doomed to repeat it.

In a few days we'll talk about:

"Five Things Every Married Person Should
Know BEFORE Signing Any Credit
Application!"
=======================================
The "CREDIT SECRETS BIBLE" has been in
print since 1994 and is published by
Consumer Publishing Group.
For more information on the "CREDIT
SECRETS BIBLE" you may visit:

http://www.urlfreeze.com/DDFreeze/CreditSecretsBible/
=======================================

Facts You Should Know BEFORE Considering Credit Counseling
or Debt Consolidation.

-by Terry Price

(C) Copyright Terry Price
All Rights Reserved

Click Here If You Are In A Rush
=======================================


There is one topic which every time I write about it seems to generate
some hate mail while at the same time spawning a flurry of wonderful praise
from consumers.  Of course, the hate mail is always from a few people that
happen to own these "certain types" of businesses I discussed and those
businesses of course are Credit Counseling or Debt Consolidation
companies; of which many "claim" to be non-profit organizations.

You'd almost have to be an ostrich with your head stuck in the sand to not
see or hear at least one advertisement a day from a Credit Counseling or Debt
Consolidation Company.  However, you can expect this to change and change
soon.  Since this is a topic which tends to "stir up" the owners of these
businesses, I am going to take a different approach by NOT sharing my
opinion, but rather, the opinion of others.  I will start with the news
media and the Internal Revenue Service:

"(NPR News, May 15, 2006).  The Internal Revenue Service is revoking
the tax exempt status of some of the largest credit counseling agencies in
the country. An IRS investigation disclosed that the firms solicited
business from people seriously in debt and that they didn't provide counseling
or consumer education, as required.

Prodded in part by a congressional oversight committee and consumer
advocates, the IRS began investigating dozens of credit counseling agencies --
most holding non-profit status -- two years ago. IRS Commissioner Mark
Everson says the companies "poisoned an entire sector of the charitable
community."

Everson says in many instances, companies were organized merely to
funnel business to loosely affiliated for-profit companies. Many of the firms
spend millions of dollars on commercials that urge anyone with debt
to call them to solve their financial woes. And because tax-exempt
organizations are not bound by the federal do-not call list, the firms
were able to randomly call consumers, pitching their services under the guise
of a non-profit counseling service.

The IRS investigations are also likely to affect consumers, thanks to a
new bankruptcy law that requires consumers considering bankruptcy to get
counseling before they are allowed to file. The IRS wants to ensure that only
legitimate non-profit agencies are doing the counseling.  In addition to
the actions announced Monday, the IRS is sending more than 700 compliance
letters to the rest of the credit counseling industry (END)."

Since almost all Credit Counseling and Debt Consolidation companies claim
a non-profit status, I feel most consumers are easily sucked in with
their skepticism and defenses at bay. After all, when most of us hear the
word "non-profit" the first thing we usually think of is a church or
homeless shelter. 

From the NPR article and the actions of the IRS, I think it's fair
to assume that many of these "non-profit" organizations have been
operating under a scenario similar to that of a wolf guarding a hen house.
However, this doesn't mean all credit counseling and debt consolidation
companies are bad but... you do need to know the truth about how they operate
and their limitations.

The first thing you want to understand is these companies are ALL
more interested in making money off you than they are in preserving your credit
rating.  The bottom line with either credit counseling or debt consolidation
is that it absolutely ruins your credit.  I can just hear the companies
arguing this with a consumer right now, telling them nonsense like "It helps
your credit since it tells creditors that you're working on your situation
and not just running away from it." Listen... if one these places tells you
that than watch out.  Why?  Because they will lie to you about other things
as well!

One of the first actions these programs usually requires you to do is
for you to CLOSE all your revolving credit accounts.  You then make
payments to the organization and they take care of everything for you.  What
this says to all your creditors (as well as anyone considering giving you
credit) is that you are so out of control with your finances that you
can't even manage paying everyone back on your own.  Therefore, you're hiring
someone else to do it for you!

99% of the time these companies will claim they can negotiate with your
creditors and get interest rates reduced thereby saving you money.
While this is true, what's also true is you can easily negotiate these same
rates as well as they can by just calling your creditors yourself.  You'd
be amazed at how many of your creditors would love to hear from you (especially
when the chips are down!).  Not too mention, any money the counseling
company was to save you would more than likely be sucked back up by their
monthly fees (usually around $500 to $1,000 per year).

This brings us into a whole other dynamic of their business model.
Because these companies always make their money off of monthly fees paid by
the consumer, the longer they can keep those monthly fees coming in the more
profitable their business will be.  It's for this reason that most
consumers who sign up with these companies usually find themselves on
payment plans with the lowest monthly payment possible (which turns out to
also be the LONGEST payment plan as well).  Not surprising is it?

Am I against Credit Counseling and Debt Consolidation companies?
Absolutely not.  After all, there are millions of people in America who will
never be able to manage their finances. Credit to them is a destructive
addiction much like alcohol or drugs and they will never be able to control
it.  Instead, it will always control them.  We've all seen these people.
Every time they are extended credit shortly thereafter they are in
financial trouble (usually blaming it on some external factor).  For these
people I think these credit and debt counseling programs can be a good thing
(as a ruined credit report is not a hindrance to them but actually an
asset).  It keeps them out of future financial trouble by forcing them to
live their lives on a "cash and carry" basis; which is ultimately conducive to
a better standard of living down the road.

On the other hand.  If you're good with your finances and have control
with credit but went through some type of hardship beyond your control in the
past (i.e. divorce, job loss etc); then the services of these companies will
never be for you.  You will do far better and preserve your credit rating
by taking matters into your own hands. Reason being is that you understand
your credit rating is a powerful tool that can help you move ahead faster,
help others and help yourself as well as create the life you want.  It all
comes down to self management.  We all know that those who cannot manage
themselves will ultimately be managed by others.  Credit is no different.
When you learn to manage it well, you are the master and it is the servant.

If you care about your credit and want to benefit from it in the future,
then you will never rely on a credit or debt counseling service to help you get
out of any trouble you find yourself in.  Instead, you'll look inward and
get yourself out while preserving your credit rating the best you can.  Credit
and debt counseling is for people who are "ok" with throwing their credit
rating in the trash so they can have "someone else" manage their payments
for them (since they are unable to manage them themselves).  And again, as
far as negotiating interest rates, you can do just as good as them or better.
If you don't believe me just call any of your creditors and straight out tell
them your situation.  You will quickly find you don't need to be afraid of
them.  They just want to get paid like the rest of us.


In a few days we'll be talking about...

"The Truth About Creating an Alternate
Credit File"


=======================================
The "CREDIT SECRETS BIBLE" has been in
print since 1994 and is published by
Consumer Publishing Group.
For more information on the "CREDIT
SECRETS BIBLE" you may visit:

http://www.urlfreeze.com/DDFreeze/CreditSecretsBible/
=======================================

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Insider Techniques To Raise Your Credit Score... FAST!

-by Terry Price

(C) Copyright Terry Price
All Rights Reserved

Click Here If You Are In A Rush
=======================================

If there is one question I'm asked by consumers more than any other about
credit, it's this "What's the fastest way to raise my credit score?".  My
response is always the same "How much do you want to raise it?"

If you wish to increase your score from 580 to 650 then your strategy will
be very different from someone wanting to go from 670 to 725.  Why?  Because
you starting point is different which requires a different approach.  Also, while
the removal of negative items from a report will almost always lead to an
increase in score, it's a basic concept at best.  Therefore, within this article,
we'll discuss somewhat inside techniques known by very few (since this is what
our company specializes in publishing).

In relation to just removing negative items, these are techniques which you
can use even if you have NO derogatory information on your credit report.
We'll start with the most overlooked strategy first and that's your...

DEBT to CREDIT RATIO: The most fraudulent belief I've been hearing for
over 15 years is "I have excellent credit, I pay all my bills off in full every month!"
This is a false belief  for one to buy into and understanding your debt to credit
ratio holds the key to getting your "credit mindset" right.

Your debt to credit ratio is your ratio of debt to total available credit you have
been extended (revolving accounts only).  For example.  If you have $10,000
in total unsecured revolving credit accounts and you're currently in debt $2500,
then your debt to credit ratio is 25%.  Since the main way lenders make money
is by charging interest, one of the elements of the credit scoring model is driven
by your ability to maintain balances and pay over time.  This shows your true (long
term) credit worthiness which is most profitable to lenders since they make money
primarily via interest and not annual fees.

Over the years we've discovered without question that carrying the proper debt to
credit ratio will boost your score faster than paying off your bills in full each month.
I have argued with the Better Business Bureau on this topic for and they still disagree
(despite my sending them proof from Fair Isaacs own website www.MyFico.com
the organization which invented the credit scoring software  used by credit bureaus).

Of course, what do you do if you're like most Americans and your debt to credit
ratio is too high?  For example. You have $10,000 in unsecured revolving accounts
but you owe $8500, thereby giving you an 85% debt to credit ratio. How can you
bring it down without selling everything you own?  The answer is simple and takes
us to the next technique which is...

SUB-PRIME MERCHANDISE CARDS: The single most cost effective (and
powerful) tool for consumers to increase their high credit limit and decrease their
debt to credit ratio is the use of Sub-Prime Merchandise Cards which report to one
of more of the major credit bureaus.

Unfortunately, despite their immense benefits, these are the most misunderstood
cards in the credit industry.  A large portion of the misunderstanding is due to marketers
misrepresenting the cards and the growing number of companies promoting them. 
When you learn how they work one quickly understands why they have been the subject
of much misrepresentation.

A Sub-Prime Merchandise Card is nothing more than a card attached to a line of credit
which allows you to buy merchandise from a specific vendor (usually the company that
sold you the card).  The merchandise (in most cases) will be purchased through a catalog
or online mall.

Where the problem arises is that the cards are marketed almost exclusively to the sub prime
market via email, telemarketing and direct mail etc.  The reason for this is they can advertise
almost irresistible offers like "$5,000 Credit Card... GUARANTEED!  No Credit Check!
NO Cosigner!  You cannot be turned down!" or "Unsecured $10,000 Credit Line! 
Everyone Approved!".  I'm sure you get the idea...

While there are many companies which do this and are a "shady at best", there are a few
which do it legitimately and it's the best kept secret to build your credit and build it fast.

Here's how it works: the company approves anyone with a pulse (literally) and gives them
a card for $2,500 to $12,500 with NO credit check and NO cosigner.  However, the card
is only good for merchandise through their website or catalogs and the consumer is required
to put down a deposit on whatever they purchase.  After the deposit is paid, the remaining
balance is financed on the card.  

For example.  A person buys $1,000 worth of merchandise.  Their deposit is $300 so they
then finance $700 on their merchandise card and make payments.  Sound like a scam? 
If you say "Yes" like most people then you're missing the point... big time.

With a legitimate Sub-Prime Merchandise Card your credit line WILL be reported to at
least one major credit bureau (or more).  This means if you get a $5,000 card and you finance
$500, on your credit report it will look like any other credit card and will do three extremely
important things for you.

1.) It will increase your current "High Credit Limit" by $5,000 almost overnight as the
account "looks" like any other unsecured revolving account.

2.) By carrying a small outstanding balance it will positively impact your credit report by
building and showing potential lenders your credit worthiness.

3.)  With a good payment history you are virtually guaranteed to receive "legitimate" pre-approved
credit offers in the future due to other lenders renting your name from the credit bureaus.

This technique is hard to beat for both cost and effectiveness.  Of course, the whole key is
knowing exactly which cards report to the credit bureau and offer the best rates. The only
thing more effective is...

PIGGYBACKING:Despite its' virtually unlimited potential, piggybacking is not used by
nearly as many consumers as it should be.  It's easy, effective, and extremely fast.  Unfortunately,
it's mostly used among parents and siblings while those who can really benefit stay in the dark.

How it works.  Almost every credit card or credit account will allow the primary account
holder to add on (at a later date) what's known as an "Authorized User" or "Secondary Account
Holder".  In most cases, when this is done, the entire account history (retroactively) gets
posted to the authorized users credit report regardless of their current age or credit history!

For example.  If it's a credit card with a $10,000 limit which has been paid as agreed
for the last 10 years, then that complete history will be posted to the authorized users' credit
report.  I once saw a clients' credit report who used this technique with his mother.  He
was only 24 at the time and he had a $15,000 Gold credit card on his report with history
going back 11 years!  I laughed as I thought to myself that this kid would have had to be
approved when he was 13 years old for this account to be his!

As you can see, this strategy is usually only used by parents and their children and in most
cases with no regard to the benefits the children are reaping credit wise!  In fact, in recent
years, due to its' effectiveness, this technique has led individuals with excellent credit scores
to "rent out" authorized user accounts on one or even multiple credit cards in return for a fee!
I once recall seeing an ad in USA TODAY for just such an opportunity.  Like most good
credit loopholes, I'm sure this methods' days are numbered much like what may be the case with...

ADVANCED CREDIT PROFILING:This is a strategy while not complex, can be taken
to very complex levels.  Even in its' most basic form, it's taken advantage of by very, very few.  It
involves intentionally building your credit report in a way which creates a "profile" that closely fits the
criteria of most lenders (as well as the overall credit scoring system).  Again, this is a technique
which can be used in a myriad of complex ways, but for simplicity I will explain it in its' most
basic form.

While many consumers will boast when they have 10, 20, 30 or even 50 thousand dollars worth
of credit cards on their report, many of these same people do NOT have even one mortgage,
automotive loan or lease, equipment loan or a even a line of credit with a local bank or credit union.
These other forms of credit create a much more well rounded credit profile for the consumer.
This is achieved by showing greater credit account diversity and experience with multiple types of
credit due to the various lines held.

For example.  A person with $50K in credit cards does not represent near the credit experience
as a person with the same $50K along with a mortgage, an automotive loan and an equipment lease.
We have clients who have financed vehicles not because they had to (or even wanted to) but
because they "needed to" in order to create a credit profile that would position them in the future
to secure the lowest possible rate on a mortgage when they applied and needed it.

More complex forms of Advance Credit Profiling involve one subscribing to affluent or semi-affluent
business and professional publications and organizations.  These would include magazines,
newsletters, trade journals and national associations.  The goal is to get ones name into the databases
of these publications and organizations.  Why?  To get on highly targeted lists in order to receive
select credit offers.

Marketers of credit offers have found that simply renting names of consumers from the credit
bureaus does not provide enough information about the person as a credit risk anymore.  
Therefore, it is speculated that many will rent a list from the credit bureau and then cross-reference
this list against another list they have secured from a consumer source such as an affluent business
or professional publication, trade journal or organization.

By crossing the two lists together the marketers find the names contained on both lists.  This in
turn provides them with one highly refined and targeted list to mail their offer to.  This results in
shortening the process of securing a new quality account holder thus lower the overall account
acquisition cost of new accounts.

When a consumer learns how to intentionally put themselves into these databases to wind up on
these refined lists, the credit building process is sped up exponentially.  Of course, many would
call this "highly speculative" but we have undeniable experience that it works.

DEPOSIT LOAN PROGRAMS:This is a technique so unbelievable that I myself proclaimed
it had to be a scam before researching the facts.  It allows the consumer (or business) to have a
$25,000 to $250,000 loan appear on their credit report as "Paid as Agreed" by way of very
creative financing.  This method is extremely effective and not within the budget of most ($750 to
$7,500 upfront).  Also, because this technique takes advantage of certain banking laws, I have
reason to believe it could be made unavailable at any time if those banking laws were to change.
This method can be used with consumer credit files on SSN's as well as business and corporate
credit files done on TIN's  as well as Dunn and Bradstreet.

In the end, all of us need to remember that today our credit score is more important than it has
ever been in the history of the credit reporting system. While credit miracles don't happen overnight,
you can create your own credit miracles by applying simple insider strategies consistently over time. 
Before you know it, you're a proud member of the 700 Club.  The "700 Plus Credit Score"
club that is!

In the next segment we'll talk about...

"Facts Consumers Should Know BEFORE
Using A Credit Counseling Service!"

=======================================
The "CREDIT SECRETS BIBLE" has been in
print since 1994 and is published by
Consumer Publishing Group.
For more information on the "CREDIT
SECRETS BIBLE" you may visit:

http://www.urlfreeze.com/DDFreeze/CreditSecretsBible/
=======================================

Is Your Credit Score Costing You A Fortune?

-by Terry Price

(C) Copyright Terry Price
All Rights Reserved

Click Here If You Are In A Rush
=======================================

While some surveys show that 9 out of 10 consumers are unaware what their credit
score is, I'd like to quickly share with you how your credit score could be costing
you a fortune (in more ways than you can imagine).

We all know a low credit score will make everything in the world of finance more
expensive because of higher interests rates from lenders due to being considered
a greater credit risk (i.e. higher interest rates on cars, homes and credit cards).
While this may be considered common knowledge by some, it's truly devastating
effects are understood by few.

For example.  If you purchase a $200,000 home on a 30 year fixed mortgage at 8%
interest instead of 6% (because of your credit score); that 2% is going to end up
costing you a total of $96,934.11 over the term of the loan.  Now, think about how
many extra years you'll have to work to pay off $96,934.11 because of an extra 2%
in interest?

The part few people talk about is all the other areas in life where a low score will
increase your cost of living on an annual basis.  For example. In addition to paying
more for a car, home and credit cards, a low credit score will most likely have you
paying more for the following as well:

1.) AUTO INSURANCE.  As many as 92% of the 100 largest personal automobile
insurers use credit information to underwrite new business, according to a 2001
study by Conning& Co., an insurance-research and asset-management firm.

2.) HOMEOWNERS INSURANCE.  It's thought many insurance companies see a
correlation between low credit scores and increased property insurance claims. 
Therefore, a lowscore will result in a higher rates.

3.) LIFE and HEALTH INSURANCE.  Customers who are unable to pay their monthly
insurance premium thereby pass along that increased cost to the insurance company
whose stuck with the bill (resulting in a loss for the company).  Since customers
who pay without lapse are more profitable it is felt by many that a low credit score
now even affects a monthly life and/or health insurance premium negatively.

One of the more shocking areas where a low credit score will you cost you is in
the area of employment.  It's estimated as many as 42% of employers now do
credit checks on applicants before hiring them (according to a 1998 survey by the
Society for Human Resource Management).

While many employers claim they only do it to verify information on your application
(such as where you live and where you have worked etc.) we can both assume
they are taking the liberty to have a peek at how you handle your financial affairs
as well.  According to the Public Research Interest Group (PIRG) as many as 79%
all credit reports contain errors, 25% of which are serious enough to cause the
denial of credit (according to a 2004 report).

And that's all the more troubling in light of the increasing impact a bad credit
report can have, says Ed Mierzwinski, director of PIRG's consumer program. "It's
outrageous that the credit bureaus are claiming their scores are accurate enough to
take people's lives and screw with them like this".

In the next segment we'll be talking about something very, very exciting.
It's called...

"Insider Techniques to Raise
Your Credit Score... FAST!"

See you in a couple days...

=======================================
The "CREDIT SECRETS BIBLE" has been in
print since 1994 and is published by
Consumer Publishing Group.
For more information on the "CREDIT
SECRETS BIBLE" you may visit:

 http://www.urlfreeze.com/DDFreeze/CreditSecretsBible/
=======================================

=======================================
The TRUTH About Credit Repair...

-by Terry Price

(C) Copyright Terry Price
All Rights Reserved

Click Here If You Are In A Rush
=======================================

Have you ever wondered what companies send you when they claim you can erase
bad credit overnight?  How about those ads that say you can get any major credit
card without a deposit or a credit check?

Ads abound almost everywhere these days (online and off) selling books, systems
and secrets to help you fix your credit.  Many of these programs have claims which
read like the covers of supermarket tabloids:

"In 3hrs my credit score jumped from 580 to 676!"...

"Erase bad credit and smash your debts with just 2 Magic Letters!".

Are these types of claims ALWAYS too good to be true?  The answer is
"Yes and... no".

While many people would love for you to believe the only thing that can fix bad credit
is time; in reality... nothing could be further from the truth.  The fact is, time is only
one factor which can fix a credit report, but it's a far cry from being the only factor.
How can I back this up?  Easy.

Under a consumer protection law known as the Fair Credit Reporting Act
(a.k.a. the FCRA) the only negative information which can remain on your credit report
is not what is accurate... but what can be proved as accurate under the FCRA.  What's
this mean to you?

It means any negative item on your credit report can only remain there if it is accurate
and CAN BE PROVED AS SUCH under the guidelines of the FCRA.  This undisputable fact presents consumers with both good news and bad news.

The good news is that through the FCRA your credit score can most likely be improved dramatically in a very short period of time with only a modest amount of effort on
your part.

The bad news is that while the actual "work" will take very little of your time, it is vital
that you have good information on "how" to go about it.  This is the bad news; 9 out
of 10 courses on restoring your credit will do nothing more than lead you into snake
pits because they will provide you with what the industry refers to as "Boiler Plate"
dispute letters. These are nothing more than form letters and... quite frankly (more
bad news) the Credit Bureaus and Creditors will laugh at you if you try to use them.

While I agree with the Federal Trade Commission (FTC) that "Anything a Credit Repair
Clinic can do for you legally, you can do for yourself at little or not cost"...  the key
element you need for success is the latest inside techniques and procedures to get the
results you want.  This involves strategies such as "Proof of Contract", "Constructive
Notice", "Challenge of Procedure" or "Restrictive Endorsement" and many others.

All these terms may "sound" impressive but they are really quite simple.  In the end, it is nothing more than a method of communication which exercises your consumer protection
rights, gets the results you want and raises your credit score.  Even more impressive,
once you learn how simple it can be by doing it for yourself, you will find there is a
fortune to be made doing it for others!  Either way, it all starts by requesting a free
copy of your credit report here:

http://www.AnnualCreditReport.com

In the next segment we'll talk about:

"Is Your Credit Score Costing
You A Fortune?"

=======================================
The "CREDIT SECRETS BIBLE" has been in
print since 1994 and is published by
Consumer Publishing Group.
For more information on the "CREDIT
SECRETS BIBLE" you may visit:

 http://www.urlfreeze.com/DDFreeze/CreditSecretsBible/
=======================================