Improve Your Credit Score in 24 Hours
and Erase Your Debts Forever
Ex- Credit Bureau Manager Tells All...
Suite 477  5663 Balboa Ave•  San Diego, CA 92111   Email: info@24hrcreditfix.com      Credit Repair  •  Affiliates   

My Experience:  Finance Degree,  6 years loans officer at a national bank, 4 1/2 years credit bureau manager for one of the big three credit bureau's

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Get a Bad Credit Home Loan.  Little or No Money Down!!

We Have a Team of Specialist that Deal Exclusively with Bad Credit.  You Would not believe how many real estate deals I have seen that actually fixed someone's credit.  We will show you how.

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Immediately access cash to balance your budget, handle emergencies, consolidate bills, or put money in your wallet!

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  • Borrow up to $15,000*
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Personal loans can be a great way to get over life's financial bumps and enhance your credit rating.

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Debt Relief

 

Being in debt can be overwhelming and seemingly a never ending trial. No matter how you got there, the point to be made is how to get out. Your options are far more accessible in these last years, giving you a varying selection of choices to make concerning getting out of debt.
 

 

 

Submit your name and email to receive a FREE copy of Debt Relief delivered directly to your email - no strings attached!

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  American Financial Freedom Debt Consolidation

 

 

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Debt Consolidation helps you:
  • Reduce Debt 40-60%
  • Simplify payments into one low monthly payment
  • Avoid Bankruptcy
  • Free yourself of debt in 12-36 months
  • Reduce interest rates

    Sign-up Today!

 

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Why Choose Credit Solutions?

 

  Debt Free in Three System

 

 

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Everything You Know Is Wrong! About Being Debt Free That Is!! And It Will Keep You In Debt The Rest Of Your Life!

Hundreds use his secret to gain 100% debt freedom and live the “good life.”  You can too!  In fact, his secret guarantees you will become debt free in as little as 3 - 5 years no matter your income or where you live!  Best part:  You can start shrinking your debt for FREE if you choose!  Here’s what this secret is not …

  • It’s NOT filing for bankruptcy
  • It’s NOT trying to sneak out of paying your bills
  • It’s NOT about living on macaroni and cheese for the next 5 years
  • It’s NOT about investment schemes or advice
  • It’s NOT about increasing your income
  • It’s NOT hard – anyone can do this
  • It’s NOT anything illegal or immoral

 

 

Retail Price 295.00

Your Price: FREE

GIVE ME A FEW MINUTES OF YOUR TIME AND I WILL SHOW YOU HOW TO INCREASE YOUR CREDIT SCORE SUBSTANTIALLY VERY QUICKLY

Did You Know:

1) Under section 15 U.S.C. § 1681s of the FCRA, a wronged party may collect $1000 for each willful or negligent act which results in the violation of the FCRA (fair credit reporting act). Any person may file suit in local court to enforce the FCRA.  I will show you how to use this fact to make the credit bureau's remove items just because they don't want to go to small claims court.

2)  In 2000 the Federal Financial Institutions Examination Council (FFIEC) clarified guidelines on re-aging accounts for delinquent borrowers.  I will show you how to use this fact to take advantage of this legally

3)  There are "soft" and "Hard" Inquires on your report.  I will show you how to remove them.

4)  Due to conflict of interest all credit report disputes go through a company called OSCARI will show you how to take advantage of this fact.

Remember if you Have any Problems You Can Always Email Me for Support.  I Take Credit Repair Very Seriously.

5) Some fraction of consumer credit reports contain errors. A study released by the U.S. Public Interest Research Group in June 2004 found that 79% of the consumer credit reports surveyed contained some kind of error or mistake.. As a result, many consumers frequently invoke their rights under the FCRA (Fair Credit Reporting Act) to review and correct their credit reports.

6) VantageScore is the name of a new credit rating product that is now being offered by the three major credit bureaus (Equifax, Experian and TransUnion). The new product was announced by the three bureaus on March 14, 2006. It is essentially a way for the three bureaus to rival the current dominant player in credit scores (Fair Issac with their "FICO Score").  I will show you how to take advantage of this fact.

7) Unlike FICO’s traditional 300 to 850 scale, the VantageScore goes from 501 to 990

8)  All incoming letters to the credit bureaus are categorized using a point system rating of importance.  I will show you how to have your letters score high.

The First Question I get from everyone wanting to repair their credit is:

Should I use a law firm to Send Dispute Letters and Repair my Credit?

My Answer is always Absolutely NO.......Here's why

1) These so called law firms don't care about your credit at all.

2) You pay them monthly.  Do they really want your credit to get better.  Then they lose the monthly income.  This would not make any financial sense at all.  They want to delay any credit repair as long as possible.  They will try and string you along by getting an inquire removed.  The average customer will stay paying the monthly fee for 6 months.

3) They are dispute mills that don't work

4) You do all the work and they send out some generic letter

5) The credit bureaus know these companies and get thousands of letters from them.  They file them under frivolous challenges.  I know I used to do it

6)If you got thousands of form letters from a company every day wouldn't you send them back a form letter.  We at the bureau knew the law firms just wanted the longest delay possible.  Why? So they can make the most money of course.  It is sort of like one hand washes the other.  Unfortunate but absolutely true!

If you use one of these so called law firms you will see little if any response from the credit reporting agencies.  In a few months you will have realized you have wasted your time and  money.

 

Well Enough Facts Lets get Down to Business

Ok, Lets start at the beginning.  Recently you have probably found out your credit is not the greatest. It might not be your fault or it might be. 

Your looking around the internet trying to get someone to repair your credit or perhaps you are thinking about doing it yourself.

I first started working in the credit business many years ago.  My first job was working as a loans officer for a national bank.  My job was to get financing for people with very shaky credit.

Much of my pay was commission based.  This really drove me to help people get the loans they needed.  The only way to do this was to rapidly increase their credit score.

At first this seemed impossible but after a chance encounter with a man named Tom Bradley things started to change.  Tom worked at a national credit bureau and we met at a business convention about mortgages.

Tom showed me many techniques on (TM)Rapid Rescoring and Quick Credit Repair Techniques.  Well because of my success at funding these hard to get loans I was given a promotion to loans manager.

Tom and myself stayed in touch and a few years before he retired he got me a job at his credit bureau.  When I first got there I was very surprised at how high up in the company he was.  He took me under his wing and that's when school got kicked into high gear. 

We worked 12 hour days and every second Saturday.  Talk about a lesson on the credit industry.  He showed me things that would be the difference between someone losing their house or not.  It was very powerful stuff.

I could go on and on here about my experience working as a credit bureau manager or how I was a loans officer for 6 years but I won't bore you with all the details.  This really is not about me anyways.  It's about you and your credit.  You can choose to believe me or not.

 

"Fast Credit Repair With This Simple System.  Get Rid of Your Bad Credit and Debts Forever"

 

Those credit bureau's destroy peoples lives.  They track everything about everyone and they don't let people know how they are calculating scores.  It's so stupid.  They sell your information to everyone willing to pay.  They tell everyone they can't change their scores. They tell you to just forget about that house or car or better job.  Or they make you pay crazy interest rates.

I got so sick and tired of seeing these stupid scores ruining peoples lives.  Don't get me wrong the bureau I was working for paid me a lot of money.  After a while though I couldn't live with myself, it became harder and harder to get a good nights sleep.

Well it's your lucky day.  You are about to get the insider information to boost your fico score through the roof.

Have me a former credit bureau manager reveal the legal way to jump your credit score through the roof.

Good credit is essential in America today, and there is a network of credit reporting agencies that keep track of your current credit rating and check your credit worthiness every time you apply for a loan, credit card or any other type of credit. If you feel overwhelmed and confused by your credit situation, this proven credit repair system will amaze you.       

 Remember if you Have any Problems You Can Always Email Me for Support.  I Take Credit Repair Very Seriously.

The Internet,

it's tough to know who to believe. There are so many people making ridiculous claims, it's insane. It's like day after day, you get hit with hype pitch after hype pitch. In a moment, I'll tell you specifically what I can do for you. But first, here is why you should believe me to begin with:

Here are 4 good reasons to believe what I say:


One: I've been in this business for a very long time.  My kind of experience is very rarely matched.  Many bankers and even credit bureau professionals do not know many of these techniques.

Two: I am not asking you for some large investment that is going to make me rich and you poor.

Three: I hate the credit bureau's.  They track our every move, they should be illegal.  Working for one I learned all their little secrets.


Four: How many of these people selling these so called kits have been on the inside.  My guess is none after reading the garbage in most of these packages.  You won't find me hiding behind some PO box. 

You can reach me here: Help@24hrCreditFix.com

 

TESTIMONIALS:

The testimonials below are just a small sample of people who have consulted me or followed the techniques of this product.  My customers are from all over the country.  My formula works for everyone willing to try it.

"This was the best think I ever did.  Your package made me feel like I had a friend on the inside.  It allowed me to buy my first home.  Thanks." - Peter King, Miami FL

 

"You helped me get a brand new car.  Let me take you for a spin. LOL" - Susan Ward, Owner of a New Car
 

 

I'll show you the steps for removing negative items from your credit report using the secrets, tips, and techniques that credit repair companies use to repair credit. Because of your lack of credit knowledge, they can charge hundreds of dollars for something that you can, and should, do yourself for a few bucks, sometimes even free.

Bad credit is big business and companies reap millions of dollars every year from people's lack of knowledge about their credit and FICO score! How?... With extremely high interest rates, huge down payments, fees, late charges, and penalties.

The Fact Is: You don't need a lawyer to eliminate your debts!

In Fact: You don't need a credit counselor to fix your credit for you!

In Fact: You don't need any kind of so-called professional to help you at all!

Many Times it is actually bad to have a "So Called Professional" try to fix your credit

OK. Let's get down to the good stuff:

  • Even if your debt is your fault, find out how to effectively restore your credit rating without being dishonest.
  • How to get a no cost $0.00 COPYof your most current credit report!
  • How to get the credit bureaus to actually decode your report!
  • How to get incorrect, negative and misleading information quickly, easily and LEGALLY removed from your report!
  • How to get your spouse's (or former spouse's) negative information permanently disjoined from your credit file(s)!
  • How to get your creditors to actually agree to settle all your debts for just a fraction of their original amounts (often as little as 5% to 10%) and at the same time agree to report these newly reduced debts as either "paid-in-full," or "paid satisfactorily!" or even erased like they were never there.
  • How to instantly add 10 years of good credit to your credit history for free!
Credit Tip Alert From Rick: Get a Home loan and increase your credit

There is nothing a credit bureau likes more than a mortgage on your report.  It shows you are stable and they have collateral if you fail to pay any of your loans.  It is many times easier to get a mortgage with bad credit then a car loan.  You don't know how many times I have seen all of someone's debts thrown into a home sale.  Imagine having no debts and a home of your own.  When you are buying a home you can do something called "rapid rescore".  We will talk about this later.  Here are some great places to get home loans or refinance with bad credit.        BAD CREDIT HOME LOANS

 

Credit Tip From Rick:    Get a LOW INTEREST Personal Loan Guaranteed

Getting a Low interest Personal Loan can be a Life Saver.  You can pay off your high interest credit cards and save a fortune.  Your credit score will jump through the roof because you paid your credit cards to zero.  A fico score's calculation hates credit card debt.  An Installment account (personal loan) for the same amount of money will increase your score significantly. 

BAD CREDIT PERSONAL LOANS

 

Rick Approved: Specifically For Bad Credit

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You'll learn what they don't tell you about your "credit", your "credit score", and your "credit habits"... It's much more than just repairing your "credit report"!

I'll also show you the steps for removing negative items from your credit report using the secrets, tips, and techniques that credit repair companies use to repair credit. Because of your lack of credit knowledge, they can charge hundreds of dollars for something that you can, and should, do yourself for a few bucks......Plus Like I Said These Companies Don't Work.

Bad credit is big business and companies reap millions of dollars every year from people's lack of knowledge about their credit and FICO score! How?... With extremely high interest rates, huge down payments, fees, late charges, and penalties.

The fact is: You don't need a lawyer to eliminate your debts!

In Fact: You don't need a credit counselor to fix your credit for you!

In fact: you don't need any kind of so-called professional to help you at all!

Many Times it is actually bad to have a "So Called Professional" try to fix your credit

OK. Let's get down to the good stuff

  • How to get a FREE COPY of your most current credit report!

     
  • How to get the credit bureaus to actually decode your report!

     
  • How to get incorrect, negative and misleading information quickly and easily (and LEGALLY!) removed from your report!

     
  • How to get your spouse's (or former spouse's) negative information permanently disjoined from your credit file(s)!

     
  • How to get your creditors to actually agree to settle all your debts for just a fraction of their original amounts (often as little as 5% to 10%) and at the same time agree to report these newly reduced debts as either "paid-in-full," or "paid satisfactorily!"

     
  • How to instantly add 10 years of good credit to your credit history!!!

Remember if you Have any Problems You Can Always Email Me for Support. 

  • How to get incorrect, negative and misleading information quickly and easily (and LEGALLY!) removed from your report!

 

 

And That's just the beginning!!!

Even if your bad credit is your fault, find out how to restore your credit rating without lying or being dishonest with your creditors.

Discover how to Instantly Add Up to 10 Years of Excellent Credit History to Your Credit Report (This secret alone is worth its weight in gold… It’s absolutely priceless!)

Never be denied or rejected because of credit problems again

Get a mortgage or car loan with a low rate and low payments

Get the best loans only made available to the “elite” with an excellent credit rating

Learn how I increased my credit score by 150 points

Get qualified for business loans in a snap

Find out how you can send out one simple letter and erase your bad credit forever (It takes just 10 short minutes and it’s absolutely free!)

Instantly clear up all your bad credit troubles FOREVER - Guaranteed in writing!

Uncover the secret to getting your creditors to actually agree to settle all your debts for just a fraction of their original amounts (often as little as .25 on the dollar) and at the same time agree to report these newly reduced debts as either “paid-in-full,” or “paid as agreed"!

The step–by-step, easy to follow system attorneys and credit repair specialists use to remove negative items from your credit report – PERMANENTLY!

No credit can be just as crippling as bad credit. Learn how to build YEARS of excellent payment history in less than 30 days

Get our exclusive list of no credit check lenders

The secrets you need to know in order to raise your credit scores by up to 200 points

How to save hundreds of dollars by restoring your credit rating for FREE

The secrets to getting dozens of Pre-Approved offers in your mail box

Small changes you can make right now to take your credit from good to EXCELLENT

How to get a fresh new credit report legally

3 ways to boost your credit score by 50 - 71 points in 30 days or less

How to insure you’ll never be turned down for credit again!

How to get the loan you want, the car you desire, and the house of your dreams – Credit won’t be an issue

Discover the real secret behind getting negative items removed from your credit without committing fraud

I offer a 90 day unconditional guarantee.

You will also find out where to get a pre-approved $5,000 platinum credit card - today!

 

I'll show you everything that only the very elite professionals know

Did You Know That:

  • There are 3 National Credit bureau's
  • They do not share information.   Credit bureau's are businesses.  It is not in their best interest to share information with competitors (other bureau's).  This is one big advantage to you.
  • Credit bureau's all compile their own score for you. This is commonly called your FICO score.
  • FICO stands for Fair Isacc Company.  This company developed the software that the 3 main bureau's use to calculate your credit score.
  • When you purchase a big item such as a car or house the financial institute will pull your credit from all 3 bureau's and take your middle score as your FICO score. 
  • Most banks and large financial institutes report late payments etc with all 3 bureau's.  Most smaller companies only report to one.  This is due to cost restrictions.  Most smaller companies are under a contract with a particular bureau.  For example if you don't pay a dental bill it will most likely only show up on one bureau's report.
  • Your FICO score is a formula that can be manipulated to your advantage if you know how the formula is calculated.

 

Rick Approved: Specifically For Bad Credit

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