Credit Freedom Network: Eliminating Debt

Showing posts with label Eliminating Debt. Show all posts

Saturday, March 28, 2009

In Today's Economy, Saving Your Cash May Be Better Option Than Paying off Debt

USA Today has an article on how the current financial crisis is hitting segments of society normally not impacted during previous economic downturns. They call it "the perfect storm" because not only are we experiencing massive layoffs, but the stock market has lost around 40 percent and the largest asset most families own (their home) in now their greatest depreciating asset.

The experts cited say that many people caught in this perfect storm will never get out of debt and that at this point in the recession, it's better to cut back dramatically on your expenses and save for a rainy day, versus paying off debt. If you lose your income, you will quickly need to make decisions about how to allocate your savings.

For example, if you are less than 6 months late on a credit card bill, that's not a crisis. They have charged it off and you lose is your credit rating. This is not a catastrophe and if you have a good tool -- like The Credit Secrets Bible -- you can delete bad credit from your credit report.

However, if you are 6 months late on your mortgage, you have most likely received a notice of default and are about to lose your home. And if you are one month late on your car payment, you may be in jeopardy of losing your transportation to job interviews.

Thursday, March 12, 2009

The Law of Attraction on Eliminating Debt

Business building expert John Assaraf and author Bob Proctor appear on the Ellen DeGeneres Show to discuss how you can be more successful at eliminating debt using the Law of Attraction.

Pay close attention to the Fed Ex example -- it will blow you away!

The Ellen Degeneres Show 12/01/06 Bob Proctor And John Assar - More amazing video clips are a click away

Monday, December 15, 2008

Load of Revolving Debt Especially Hard on Subprime Borrowers

Mortgage banks weren't the only ones dishing out easy credit to subprime borrowers. In an investigation conducted by USA Today, the consequences are clearly visible with foreclosures at record levels and credit card delinquencies nearing a six-year high as millions of borrowers struggle to keep up with a record load of revolving debt, mostly on credit cards.

What caused this crisis was credit card issuers were eager to extend too much credit, too quickly because of the "phantom equity" in people's homes.

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Yes, you too can have credit scores in the 700's no matter how bad your credit is today or what kind of derogatory entries you have on your files --

With our step by step credit repair system you WILL skyrocket your scores to near perfect credit in no time, sometimes in just days!

If no credit, low credit or even "horrible credit" is keeping you from getting the finer things in life and you find yourself getting denied credit or paying outrageous interest rates - this WILL be the most important message you'll ever read.

And here's why: over the last 5 years I have been using a FOOLPROOF system for helping ordinary people "BLAST THEIR CREDIT SCORES through the roof!" and get approved for the credit they desire. . .

With a 720+ Credit Score you can be approved for the Car, Home, Business Loan and Credit Cards you hope for - in minutes! It doesn't matter if you currently have NO CREDIT or even if you have absolutely HORRIBLE CREDIT.

I personally guarantee that once you uncover this step by step 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 Real Problem Is This. . .

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.

Not to mention that each bureau has its own scoring methods and formulas which are often not even close to the scores that lenders and banks are seeing. 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 Jam Packed With Secrets The Credit Bureaus Would Prefer You Did Not Know.

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, our system will show you how it's possible to delete ANY 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 thousands other readers, 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 Incredibly Easy. Once You Know How...

And I'd like to show you EXACTLY how, if you'll have it, with the...

Credit Secrets Bible

We love revealing the secrets of the credit system so good people like you can gain an unfair advantage in the financial world. It's very rewarding.

More importantly, we cherish the letters and phone calls we 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 utilize every secret I will reveal in this exciting home study course called the "Credit Secrets Bible."

I guarantee the "Credit Secrets Bible" will absolutely transform your credit -- and your life!

In one evening you'll know more insider credit secrets than most Millionaires alive today.

Here's just a hint of what you'll discover with the "Credit Secrets Bible:

The "Special Phone Number" you can call to get the TRUTH about all those $5,000 to $10,000 credit cards they promise you with NO Security Deposit and NO Credit Check! Finally, find out the TRUTH about what's a scam and what can really help you build your credit fast!

The Powerful "3-Step System" some Attorneys and Credit Repair Clinics charge up to $1500 for to repair your credit (and how you can easily do it yourself virtually FREE once you know my techniques!)

TWO VERY SPECIAL LETTERS you can use to pay off your bills for as little as 35 cents on the dollar!

Three simple secrets to start getting dozens of "Pre-Approved" credit cards in your mail box (powerful facts about how cell phones, mail boxes and moving affect your credit report dramatically!)

Why paying off your credit cards in full each month actually gives you LESS credit (learn exactly HOW MUCH to charge and HOW MUCH to pay each month to build your credit as fast as possible. Most bankers don't even know about this potent financial strategy!)

The "hidden truth" about creating an Alternate Credit File (and the only 100% legal and ethical method you can use to do it yourself!)

Copy and mail this one short letter that's virtually guaranteed to STOP all harassing collection agency calls forever (special Federal law bill collectors hope you never discover!)

The one "government sponsored" program to get a FREE copy of all 3 of your credit reports (and the special form that makes it all possible!)

How to save up to $100,000 or more in mortgage interest without refinancing (a must have secret for current homeowners and first time home buyers!)

All about the "4th largest Credit Bureau" and why ignoring them could cost you thousands (you'd be surprised how many Credit Consultants are unaware of this one or that this company even exists!)

A neat little trick people have used to DOUBLE their credit card limits with just 2 short phone calls! (100% Legal and Ethical. These could be the best two calls you will make this year!)

How to legally get up to 20 years of excellent credit history added to your credit report in less than 45 days (this mind blowing secret is worth the cost of the course by itself!)

What banks and credit card companies don't want you to know about bankruptcy (good news if you've filed Chapter 7 and great news if you're facing Chapter 13!)

How to borrow up to $15,000 in only 15 minutes and pay ZERO Interest (this strategy can give you the cash you need to seize once-in-a-lifetime opportunities!)

Credit Repair Attorneys $1,500 secret to removing Bankruptcy, Judgments, Evictions and Tax Liens from your credit report (and how you can do it yourself practically FREE, sometimes in mere days!)

Why most credit bureau disputes are "red-flagged" and the one potent secret you can use to avoid failure (another secret never before released to the public - until now!)

The amazing software program that will track your credit, tell you how much to pay on your debt, create and manage your monthly budget (and it is yours free to try for up to 30 full days!)

Two secrets you need to know before calling ANY Credit Counseling or Debt Consolidation Company (read this before it"s too late!).

One easy phone call that can cut your credit card payments in half (a life saver if you are "up to your neck" right now and struggling to stay afloat!)

NEVER BEFORE REVEALED! How consumers have literally "NUKED" debt collectors off their credit reports and out of their lives (an incredibly unique technique found nowhere else but here!)

How to get a checking account in 48-hours even if you've been reported to the black hole of checking known as ChexSystems (no more hassling with money orders!)

Why being self-employed hurts your credit report and the easy remedy to get around this discrimination (plus lower your taxes to boot. . . you may fire your accountant for not knowing this clever insider technique!)

The one "Simple Form" identity theft and fraud victims have used to completely ELIMINATE their credit problems in less than 30 days (it's government sponsored and takes less than 15 minutes to fill out!)

POTENTIAL VICTIM OF ID THEFT? The three special phone numbers you can call to get FREE identity theft protection (save$150 a year- or more - plus get a free copy of your credit reports to boot!)

Actual credit report samples showing easily missed credit reporting mistakes (and how to use them to your advantage when you contact the credit bureaus!)

The "naked truth" about using Small Claims Court to remove derogatory items from your credit report (how others are publishing an outdated and failed technique and how to do it correctly!)

The TWO things you must know before signing up for any "FREE CREDIT REPORT" service (another one many people learn too late -- you don't have to be one of them!)

How to build good credit fast using the "Advanced Profiling Technique" (another powerful credit profile layering technique we first invented and released to the public!)

MARRIED or PLAN TO BE? Five secrets you must know BEFORE signing any credit application (don't let you or your friends make these common mistakes that can end up haunting you for years!)

The one "hidden source" that will loan women up to $10,000 to start or expand a new business, invention or idea (the time is now to build your independence and it all begins with a simple phone call or letter!)

THINKING OF REFINANCING? How refinancing your home at a lower interest rate can actually COST YOU THOUSANDS of dollars (you wouldn't imagine how many people discover this ONLY once it's TOO LATE!)

How other consumers have REMOVED damaging Charge-Off's, Repossessions, Student Loans, Collections, Late-Pays, and Inquiries from their credit reports in less than 30 days (top secret information the credit bureaus don't ever want you to know!)

FORECLOSURE? How to STOP foreclosure or recover your home after foreclosure by taking advantage of special consumer protection laws (news that banks and mortgage lenders would rather not see published!)

Startling "Courtroom Testimony" on exactly HOW the credit bureaus work (this bomb-shell explains why you won't get the results you want with most credit repair companies and out-dated credit courses!)

ONLY "ONE" CREDIT SCORING SYSTEM? Think Again! All about your three "underground credit scores" that are new to the credit system (you now have 6 credit scores - here's how you can build your 3 new ones quickly!)

Arizona credit guru's $500 "insider method" to correcting a merged credit file (and why you'll never get some derogatory items removed if you have one!)

How to buy the car of your dreams TODAY regardless of your current credit situation (life is too short not to drive your dream car - now you can!)

The "KO method" to getting collection agencies out of your life and off your credit report (it's so unique, you'll wonder why somebody else didn't invent it before we did!)

Why the "validation process" is a complete WASTE OF TIME (and the one unique first-time published technique that other consumers have used to combat collection agencies and junk debt buyers!

CREDIT CARD BILLING ERRORS? Exactly what you can do if you believe your credit card company is incorrectly billing you (news they'd rather not share with you in detail!)

TIMING! The absolute "BEST TIME OF YEAR" to initiate successful credit bureau disputes (one angle worth thousands!)

How other consumers have removed !reinserted! bad credit by NAILING the credit bureaus on routine procedural violations (a little known tool buried deep in the Fair Credit Reporting Act!)

NO! NO! NO! Why you don't want to use Certified Mail "Return Receipt" when mailing credit bureau disputes (we can't believe how many other courses are still operating in the "stone age" by teaching this outdated nonsense!)

The first 2 things you should do if you're the victim of identity theft (and "credit freezes" are not the answer -- find out what really protects you!)

Why your credit report does not have to be "perfect" to reach a 720+ credit score which will get you all the loans or credit cards you desire (and what derogatory items to attack first to raise it the quickest!)

And so much more!

3 Secrets Attorneys And Credit Repair Agencies Don't Want You To Know:

Attorneys and Credit Repair Clinics have 3 little secrets. It's these 3 secrets that keep them in business.

First: when it comes to ANY negative marks on your credit, the big secret they don't want you to know is this...

THE ONLY NEGATIVE INFORMATION That CAN REMAIN On Your Credit Report Is NOT What Is Accurate, But What The Credit Bureaus CAN PROVE TO BE ACCURATE. (You may want to read that again.)

Second: they know that the "burden of proof" falls on your Creditors and the Credit Bureaus and NOT you.

Third: (this is the real key), they understand how to write disputes that make this "burden of proof" very difficult for your creditors and the credit bureaus to prove. And, anything your creditors and the Credit Bureaus CAN'T PROVE must be permanently REMOVED from your credit reports... it's the law!

The Fair Credit Reporting Act (F.C.R.A.) is a consumer protection law that makes this all possible. Fortunately (for you), it was written in your favor and NOT that of your creditors or the Credit Bureaus.

90 Day "try it and if you don't love it you can return it" Money Back Guarantee:

The "Credit Secrets Bible" contains all the special forms, letters and inside information that's guaranteed to fix your credit fast. Best of all, it's easy to use. You don't have to be an Attorney and you don't have to be a Paralegal in order to get results in a hurry.

We've listened to our clients over the years and made using the "Credit Secrets Bible" a breeze. If you can follow simple basic instructions then. . . YOU CAN DO THIS!

In some cases, you could be just a few postage stamps and letters away from solving all your credit problems. It's happened to other clients and it could happen to you. We Guarantee It!

It's Time For You To Skyrocket Your Credit

Scores Into The 700's And Enjoy The

Good Credit You Deserve!

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