Yup, there are some myths. Some may shock or even anger you, but it is a message that must be told. Let’s dive into some of the most common myths people have about credit repair.

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Myth 1: I Can’t Do It Myself
As with many things, we need help once in a while, but credit repair is certainly something that you can do quite easily on your own with a little elbow grease and time.When I first looked at my credit report back in January 2007, I saw some late pays, a judgment, and some other “not so good” marks on my credit report.I screamed, “I’ve got to get a credit agency to help me with this! There’s no way I can do this myself!” Yeah, so I thought. How did I do it myself? I got educated that’s it. And now, you are going to get the best education on how to repair, rebuild, and maintain your credit score. After some time of taking a more in-depth looking into my credit report, I noticed some huge mistakes by either the creditor or credit bureau. These were not my mistakes, but the mistakes of  “The Man.” I found mistakes on multiple accounts, ranging from multiple late pays, wrong accounts, to closed accounts, when in fact they were open. Turns out, it is estimated that anywhere from 75% to as many as 90% of credit reports contain errors.

Myth 2: You Can’t Fix Bad Credit
Wrong. Just because you have bad credit doesn’t mean that you can’t repair it. It may take longer to fix, but it is repairable. There are many fast ways to restore your credit, build positive lines of credit, and get yourself back on the right track to good credit. If you think a 520 is bad it is. I was turned down by every credit card I applied for. I even got denied at Banana Republic in front of 20 people at Christmas time.
Yeah, no fun If I can do it, then so can you. It’s a matter of becoming educated and everything in this book will show you how to get your credit back.

Myth 3: You Only Have One Credit Score
In reality, you have three credit scores, one from each of the major credit reporting agencies: Transunion, Experian, and Equifax. All three will give different scores, so when applying for credit one company may use Equifax, while another may use Experian. Equifax may show a score of 550 while Experian may show a score of 590. It’s always good to know your score from all three bureaus. They can vary by as much as 50 points.

Myth 4: Checking Your Credit Will Lower
Your Score. There are two types of inquiries (more details later in the book) that will appear on your credit report: hard and soft inquiries. Hard inquiries are from companies you wish to get credit from. These will affect your credit score. Soft inquiries are usually when you check your credit report online or from companies obtaining your information for promotional purposes. Soft inquiries don’t affect your score.

Myth 5: Shopping Around For a Loan Will
Lower Your Score.This is a very common myth, and one which Brett Bruce and I talk about in the interview you received when you purchased this book. If you are searching for a mortgage, home equity loan, or car loan and you apply from multiple vendors this will only appear on your credit report once. This only applies if the same kind of inquires are made within 14 days of each other. Unfortunately, this doesn’t apply for credit cards!

Myth 6: The Only Way To Improve My
Score Is To Remove All Negative Items. This is true, but ONLY one piece of the credit repair puzzle. Although, getting negative items removed from your score will raise it, building “positive credit” is what
will build your score further. Have you ever been turned down for having no credit? In other words, you don’t have any “positive credit” built up with credit card companies. Later in the book I go into how to build positive credit. It’s part of the credit rebuilding process.

How To Reduce Your Credit Card Interest
Rate With One Simple Phone Call. It’s actually quite simple. How to do it you ask? Break out your telephone, call them, and ask to reduce your interest rate. Mention that you have sitting in front of you, a credit card with a lower interest rate. Possibly a zero percent interest rate for 6 months, which then turns into a 8% rate. If your current rate is 22%. A simple call will lower it. Mention that you are looking to balance transfer unless they lower your interest rate. Be nice to the operator. If they cannot drop the interest rate, speak to the supervisor. In most cases, after speaking with the supervisor they will drop your rate. To threaten to leave is the key.

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Loans and Credit Cards For Bad Credit

CreditSources.org has been created to help those with bad credit find the financing they need and deserve. Bad credit personal loans, bad credit auto loans, credit cards, and more are all within your reach with us. No matter how bad your credit situation is, you will not find a better resource than CreditSources.org!

Divorce, bankruptcy, slow pays, repossessions, and other credit blemishes are not a problem. Even if you have been turned down in the past we can get you approved for a loan today! Simply join, find the loan that fits your needs, and apply instantly online. It’s fast, easy, and 100% secure. Ready to get started? Join Now.

Over 125 Respected Banks and Bad Credit Lenders

When you become a member of our exclusive online community, you will receive immediate online access to our extensive list of bad credit lenders and credit card providers. This special loan directory contains lenders that will work with you and get you approved for loans or credit cards even with bad credit! We have already helped thousands of people get the credit they need, now we can help you!

Use Your New Loan for Any Reason

Do you need money to start a business, go to school, or buy a new car? Or maybe you would simply like to pay off your debts or take a vacation? CreditSources.org can help you find the right loan even with your bad credit. If it’s a personal loan or credit card you are looking for we can help you find financing up to $25,000! Plus, once you are approved you can use your loan or credit card for any reason. It’s totally up to you!

Special Financing Programs Are Available For All Members

No money down, no credit check, and no collateral are just a few examples of the financing options we can offer to our members. Plus, our members enjoy some of the best interest rates currently available, and some of our lenders will even guarantee your approval! We also have many government resources within the members area to help you get the funding you need. Finally, you can get a loan with payments and terms you can afford!

Why risk finding your loan anywhere else? We are so confident we can help you find the perfect loan that we even offer you a 100% money-back guarantee. Take control of your credit and join today!

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Click here to find complete information about Business Credit Secrets.

Small Business Lines Of Credit- Credit For Your Business- Without A Personal Guarantee! 100% Satisfaction Guaranteed! 75% Commissions!

The Business Credit Secrets e-book will show you:

What the difference is between “Business” and “personal” credit. (Thousands of business owners get shocked every year when they learn this lesson the hard way!)

Why you must have a DUNS number for your business! (Blow this off and you can kiss nearly every single creditor goodbye!) I’ll show you…

• How to get your DUNS number step by step (in 72 hours or less if necessary)
• How to save hundreds of dollars by avoiding this common pitfall
• How to instantly increase your credit standing – even before you have one!
• How to get a real person to service your account “after hours”.

Why a good PAYDEX score is essential for getting good credit – I’ll show you how to get a good PAYDEX number even if you have ZERO previous business credit!

Sole proprietorship vs. Corporation? Shell corporation or Shelf corporation? All the info you need to make a wise decision for your business.

5 simple steps you must take to give your business a professional sheen from the start - appearance is everything; it may seem superficial, but don’t blow it by neglecting these easy steps.

How to automatically increase your credit 50% more than your “official” limit – at will – on the spot (and never, ever pay a nickle in penalties or fees!)

View an actual business credit report – get an insiders look of what creditors see when they check your credit.

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In short – you will instantly receive 40 pages packed with crucial information regarding your business finances. It would take you hours, if not days, to track down and gather this essential information using your own valuable time – but if you purchase today, you can immediately download the book for only $47.

If You Can Read And Write at the 5th grade level. Then YOU Can Discover The Secrets To Raise Your Credit Score up to 249 Points In 90 Days…
So You Can Start Being APPROVED For The CAR, HOME, Business Loans, and CREDIT CARDS You Deserve!

If no credit, low credit or even “horrible credit” is keeping you from getting the finer things in life this will be the most important message you’ll ever read. Here’s why: over the last 9 years we’ve developed a foolproof system for helping ordinary people “BLAST THEIR CREDIT SCORES Through the roof!” and get approved for the credit they deserve…

With a 720+ Credit Score you can be approved for the Car, Home, Business Loan and Credit Cards you deserve in minutes! It doesn’t matter if you currently have NO CREDIT or even HORRIBLE CREDIT. We personally guarantee that once we reveal the secrets of the credit system you will be able to amass THOUSANDS of dollars in credit cards and cash advances in NO TIME FLAT!

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The Problem

If you are 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 is right. In most cases, the credit bureaus send a much more detailed report to businesses than they send to you. 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 will look you in the face and tell you to request your own copy from the credit bureau (If you don’t believe it, 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 full of “little secrets” like this. Most people find them frustrating. However, we enjoy showing consumers like you how to take each one of these secrets and use it to your advantage. For example…

Like many of our clients, 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 are able to “work” the system. Believe it or not, fixing and building your credit is just like anything else in life:

It is Easy. Once You Know How…

We love revealing the secrets of the credit system so people like you can gain an unfair advantage in the financial world. It is very rewarding. More importantly, we cherish the letters that 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 have 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 learn every secret we will share with you in an exciting home study course called the “Credit Secrets Bible”.

The “Credit Secrets Bible” contains more step-by-step, easy-to-learn, easy-to-use insider consumer credit secrets than any other home study course on the market. In fact, the information in the “Credit Secrets Bible” is so powerful, we have to disclose to you upfront that it is sold for informational purposes only.

If you don’t already know, we will be the first to tell you… banks, finance companies, bill collectors and credit card companies are some of the BIGGEST crooks in the world. If you don’t know the secrets contained in the “Credit Secrets Bible” you will pay tens of thousands of hard-earned dollars in extra bills, interest and fees.

Your money will be wasted (down the drain) for no reason other than you don’t own the “Credit Secrets Bible”“home study course.

Banks and other institutions who take your money, ruin your credit or deny you the money you need are very powerful organizations. They make a business out of hurting people like you to make more money for themselves. And, the more they hurt you financially, the more powerful they become. But they won’t be able to hurt you anymore! With the “Credit Secrets Bible” we will show you how to stop them dead in their tracks!

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