Is Your Life A Constant Struggle
Because You Have Bad Credit?
How would you like to be able
Remove Collections, Chargeoffs, Judgments,
Bankruptcy, Credit Inquiries or
any Bad Credit From Your Credit Report?
Well good, because soon you
will be able to proudly run a credit check with no shame!
Do You Really Want To Live Like
You got into an accident by
no fault of your own and your car is totaled. Because it's such an old car, it's worth more
alive than dead and you can't get enough money out of it to get another one.
How are you going to get to work,
grocery store, pick up kids, etc.?
Your refrigerator died and all the food is starting to spoil. You hop on over to
the nearest appliance store to get a new one and apply for financing. After what seems like hours,
the salesperson comes over to you and says that you've been turned down because of your credit.
How are you going to manage without a refrigerator?
You can't send your kids to college because you don't have any money and no one
will give you a loan since your credit is so bad. How are you going to explain that to your
You can't get a student loan to finish college because you partied a little too
hearty with your credit cards and didn 't pay them back...now your credit stinks! How are
you going to be able to get your degree and graduate?
Your dog ate an apricot from the backyard and the pit got stuck in his
stomach. He needs an expensive surgery to have it removed or he will die. You don't have the money
and your credit is so bad, no one will approve you for any. Do you have to let your dog
You're afraid to keep money in a bank account because you're worried that the
account will be levied and the creditors you owe money to will suck it all out.... Will you
always have to " pay" to get your checks cashed?
The rate on your mortgage has adjusted and the payments went up higher than you can afford to
pay. You're trying to refinance, but because of your low credit score, you can't qualify.
If you can't make the payments, you're going to lose the house...
Your house was foreclosed upon and you need to find a place to rent. All the
landlords you've contacted want to check your credit and none of them have agreed to let you rent
from them because it's that bad... Where are you and your family going to
Did You Know That It Costs Much More To Do
Nothing About Bad Credit Than It Does To Optimize It?
You may not realize it, but every 1% point
on a thirty year mortgage is equivalent to about 25% of the amount financed: $200,000.00 loan
at 7% will cost you $60,000.00 MORE over thirty years than $200,000.00 at 6%.
A $25,000.00 auto loan for 5 years at 6%
will cost you $7,500 if you have good credit. With bad credit, the same loan at 18% will cost
you $22,500....that's $15,000 MORE!
The difference in monthly auto insurance
rates can differ approximately $200 a MONTH between someone with good credit versus someoine
with poor credit. If you're the one with poor credit, you're paying $2,400 MORE every year,
over someone with good credit.
Now you know
that THOUSANDS OF DOLLARS can be saved by having "good" to "excellent" credit scores. A good credit
score by today's standards would be 720 and above.
An excellent credit score (760+) is what you want to aim for if you want the absolute
best interest rates and terms.
Bad Credit Can Be Very
you have NO Credit, LOW Credit, or BAD Credit – Don't let it stop you from taking charge and reclaiming your
"Surviving Your Credit
Learn the hidden tactics the credit bureaus don't want the general public to use because they are forced to remove
items which hurt you!
I'm going to teach you everything you need to know in my course,
“Surviving Your Credit Meltdown". Here you will be armed with all the tools to
skyrocket your credit score and start taking advantage of the many benefits that come with
I will help you improve your Credit Rating by
showing you 8 Simple Steps to improve the accuracy of your Credit Report and educate
you on how to maintain your restored credit.
I guarantee that
with “Surviving Your Credit Meltdown" you'll totally understand the
inner workings of our credit system – and be able to immediately use your newfound knowledge to your
Heck, even most millionaires don't know this
Regardless of the credit hole you've dug for yourself,
I can show you how to dramatically improve your credit score and clear your credit report in less than 90
Let's face it: No one is immune to credit difficulties;
circumstances change. Even people who have tucked money safely away can get into financial
And, that's exactly
why “Surviving Your Credit Meltdown" was created to help you turn your
financial woes into credit building opportunities.
If you have a less than desirable credit score or if you
don't have a clue what your credit score actually is, then “Surviving Your Credit
Meltdown" is for
After living with less-than-perfect-credit
myself for a period of time, I know what it feels like not being able to use credit as a financial tool and being
cut off and shut out when I really needed it.
I want to assist YOU to regain this vital tool for life, GOOD
do not have to live with bad credit...
Dealing With The Credit
What are the legal time frames
the bureaus must adhere to after you submit a dispute, and how do you benefit
if they run out of time before resolving your dispute?
What is the most
effective way to submit disputes with the credit bureaus?
How to take advantage of the BEST
TIMING! Discover the best time of year to contact credit bureaus about your
Exactly WHAT should you dispute
on your credit report?
How do you dispute multiple items
on your credit report, so the credit bureaus do not consider your request as
being "frivolous" or "unlawful"?
Why you DON'T want to send in any
kind of proof of an item you're disputing....
You Get Your Report Back...
I'm also going to teach you tips and tricks on how to deal with legitimate
derogatory items that REMAIN on your credit report, in an effort to get
them removed or resolved...
ACCOUNTS WITH LATE
WAIT! That's Not All...
Because of the current state of the economy, I
want to do more than just show you how to repair your credit.
I want to empower you with information on credit that you've probably never
even heard of.
I've attached 38 MORE
Yes, you read that right...38
more chapters! You're going to know just about every single fact on how your credit scores are derived, what you
need to watch out for, what habits you need to implement, and much, much more.....
Here's some highlights of other Popular
How do Collection Accounts
affect my credit?
How do I get rid of multiple
entires showing for the same account?
How do I erase Collection
Accounts off my credit?
When NOT to pay a Collection
How to negotiate a settlement
AND get it removed from your credit report...
What are my rights? A Debt
Can the Collection Agency file
a lawsuit against me?
How can I STOP the Debt
Collector from calling me....EVER?
& CHILD SUPPORT
How can Divorce impact my
My ex is racking up the credit
cards...I need it to stop!
How do I separate our jointly
held accounts? Who gets the house and the mortgage?
What happens if I don't
separate my credit from my ex?
I don't have my own credit
without my ex...what do I do?
Can I get Child Support paid
to me automatically?
What happens if I don't pay
How does Child Support impact
I have no
credit at all....how do I go about establishing credit?
What is the best age to start
How do I establish a strong
Can Student Loans help me
I'm an Authorized User on
someone's account....does this help my credit?
Will getting someone to
Co-Sign help me build credit?
What is a Secured Card and can
I get one of those to build credit?
How can I get my cell phone or
electric company bills to report on my credit?
Now, Let's Take This Even
also find out things you've never known about credit, which will keep your credit score
at heights you've never seen before!
- Annual Fees
- Balance-To-Limit Ratio-aka Credit
- Chex Systems
- Deferred Payment
- "DOLA" Date of Last
- Identity Theft, Fraud Alerts &
- Medical Bills
- Military - Active
- Moving to/from the
- Opt Out of Pre-Screened Credit
- Statements Added To Your Credit
And We Don't Stop There...
You're also going to
get Sample Letters that you can use to:
- Creditor, Please Remove Late
- Dispute Items Through the Credit
- Dispute Errors on Credit Card
- Confirm Payment
- Close Inactive Accounts with
- Debt Settlement Offer
- Payment Refusal & Termination
- Letter to STOP Debt Collection
Plus.... A script
that you can use to Negotiate Lower Payments with your
Everything a Credit Repair Company Does
You Can Do It Now Too...
Wouldn't it be great to walk into any
bank, car dealership or store and apply for credit with all the confidence of knowing you'll be
This stuff really works! If you want to increase your credit
scores, it doesn't get any easier than this. Just read, follow directions and sit back and watch it happen. It's
not rocket science or brain surgery and anyone who can read, can do this.
"Surviving Your Credit Meltdown" is way more than a simple credit
course. It's a comprehensive, step-by-step, easy to follow, complete credit course which covers everything
you've ever wanted to know about credit reports, bill collectors, credit bureaus, loans, banks....and
Most Importantly, you'll learn Step-By-Step how to increase
your credit score fast! These secrets can save you literally thousands of dollars, as well as get those pesky
creditors off your back.
Check out some testimonials from others who have bought
No matter how you slice it, divorce is difficult. For me, dealing with credit issues
throughout my divorce process was an underlying source of stress and strain. I was in an enormous
amount of denial when it came to accepting the fact that my credit may get destroyed if I didn't inform
myself wisely. I searched online and came up with a lot of what I call "bogus" websites on how to
prevent my credit from going down the toilet. My 30 year good credit history was in jeopardy and I knew
I needed to act fast! I found Taylor McKenzie's "Surviving Your Credit Meltdown" online and I found the
book to be highly informative and very useful for my needs with the divorce. I learned what to do and
most importantly what NOT to do. The book empowered me to save what I had worked so hard for my entire
The tips helped me survive the divorce in more ways than one. I didn't want to lose my dignity over
this life change and the book's 8 Step System was very user friendly and useful for me. Also, with
time of the essence I was able to easily navigate the program with ease and expedition. I am happy
to say that I have come through the divorce process free from any credit blips. I took control and
used "Surviving Your Credit Meltdown" excellent wealth of information to come through clean! Today
my score is actually better than it was when I was married, that says a whole lot for the program
and what it has done for me financially and emotionally! I highly recommend "Surviving Your Credit
Meltdown"...it worked for me!
Buying Taylor McKenzie's Credit Trauma Book was one of the best things I have done
recently to help me a great deal when negotiating with my lender regarding my short sale of my home.
Her book helped me to understand what the lender was looking for, and what to do so it would only
affect my credit score as minimally as possible under the circumstance.
How Do You Know If This Program Is For
You Need This eBook If...
- Your credit score is below
- You're sick of being turned down
- You want the best interest rates on
credit cards, home loans and auto loans
- You want lower payments on your home
and/or auto insurance
- You want to get a job in an industry
that has a credit check requirement
you order TODAY,
I'm going to throw in 2
In this first BONUS, you're going to get 3 videos walking you Step-by-Step through
AnnualCreditReport.com's on-line dispute system.
Because you only get ONE SHOT each year to dispute any errors and inaccuracies through each bureau
on-line, these videos will be an invaluable source of information to make sure you get it done
RIGHT THE FIRST TIME! Once you get out, you cannot get back in for another year!
You'll be guided though all the screens so you become familiar with what each looks like and get an
idea of what can be accomplished through each bureau.
Make sure you watch these videos before you try it yourself, so you are armed with the knowledge,
tips and tricks you'll need in order to optimize your credit as fully as possible.
2nd BONUS - Value
Your second BONUS is an over 2 HOUR AUDIO INTERVIEW, plus the typed e-Transcript with the
National Accounts Manager at Advantage Credit, which is a national mortgage credit reporting
You'll be ABSOLUTELY AMAZED at all the topics we covered on this interview. You're going to find
out things even I wasn't aware of, and I've been in this industry for almost 20 years!
Below, I've pasted some excerpts from the transcript so you can see some of the invaluable
information you're going to get...
Below, I've pasted some excerpts from the transcript
so you can see some of the invaluable information you're going to get...
"...Unfortunately that is a very oftentimes a misconception
that consumers have, "Hey I had some problems right out of college and I now I
have a great job and I can go back pay those things off", and be it maybe it
was 4,5,6 years ago and these things are still lingering, but they haven't
updated on the report. They go back and make good on that bad debt and all of a
sudden their scores plummet because now all of those collection accounts
re-report with new report dates, new activity dates and the zero balance does
not outweigh the negative impact that occurs when that activity date comes
current. Unfortunately that is something that is in the system, and I always
try to shy people away from taking those types of actions, and to really be
specific on looking at the activity dates to try to prevent that from
seen people that we've done rapid rescores on that were 6 months out of a
bankruptcy and they had accounts that weren't reported correctly. The
bankruptcy had discharged and we did a rescore, got all of the items that were
included in the bankruptcy to show as discharged and they had a score
rebalance. I've seen it in 6 months. They had re-established one or two
accounts, got everything else reported properly and their scores jumped
tremendously when they got all of that information to report properly at the
bureau level. Is that something to go on? Not necessarily because again, each
person differs in their situation with what they're including in discharging,
what they're reaffirming, if they're reaffirming anything and how long other
pay history they have is going to play a factor on how it will take to
re-establish. But I mean, truly any consumer could potentially be
re-established in as short as 6 months."
Optimizing Your Credit...
covered collection accounts and bankruptcies and things like that and the best
ways to really make sure that the payment history is as polished as it can be,
is check for any erroneous lates; see if maybe there is a 60 day late out there
reporting on an account that you can never recall being late on and if it's
something that is not valid you dispute it with the creditor or with the
bureaus and have them correct it. Even if it is a valid debt or a valid late
payment on a debt, a lot of time creditors, if you've had an account history
with them for a long period of time are willing to provide a one-time courtesy
to the customer and remove a late like that."
"Those types of actions can definitely help improve
and clean up that payment history. Also check on collection accounts. As we said
earlier, the "date of last activity" should report "when the delinquency occurred"
and not a date of collection or not when they bought that debt or not just because
they want to re-report every month. That's not proper reporting. With bankruptcies
again, check to make sure the date of last activity shows no later than the
discharge date because you can get those things cleaned up just merely by having
your bankruptcy documentation. And then check to see if anything exceeds purge
dates by the bureaus, the purge dates that we talked about for judgements,
bankruptcies, and trade lines. If you have an old outstanding debt, it's 7 years
from the last activity date. Dispute it with the bureaus, and normally the bureaus
will just purge it. All of those actions can help improve that payment history
factor which has the biggest impact on the borrower's score."
These excerpts above are just a tiny
fraction of the entire interview. As you can see from the information that I've included above,
there is a wealth of information that you can gain from listening to this interview which will help
you understand things you can do to optimize your own credit.
NOW It's Time To TAKE BACK CONTROL OF YOUR
"Surviving Your Credit
You can try my “Surviving Your Credit Meltdown” e-course absolutely
RISK FREE for 30 days!
I’m so confident you will be thrilled with the results you see from using my course that I
am offering you a 100% money back guarantee.
If for any reason you feel that
"Surviving Your Credit
Meltdown" is not for you, just send me an email and I
will refund 100% of your purchase price, no questions asked.
You have absolutely nothing to lose
and there is zero risk. Click the order link
below and you will be transferred to the secure payment page.
Here's what you'll
- "Surviving Your Credit Meltdown"
Video Tutorial –
Step-by-Step Guide walking you through AnnualCreditReport.com
Interview & e-Transcript
Get ALL THIS....an $87.98 Value!
Normally sells for
But if you order RIGHT NOW,
you'll pay only $37.97
(This is a limited time offer so don't wait - order now!)
Click on the button above to
process your order online with our secure order page
order has been processed, you'll get instant
access to a private website containing the
“Surviving Your Credit
Meltdown" e-course. You will be able to start using my e-course within minutes of
In as little as one evening, you'll gain the confidence to tackle your credit
problems head on - and have the know-how to dramatically improve your credit score, in less than 90
Take Action Now To Improve
Your Credit and Change Your
So, you have everything to gain, and nothing to lose by ordering today. I can help
you get your life back and take the Trauma out of your credit issues.
Click on the "Order Now" button below and follow the simple
instructions and you will be able to download the e-course "Surviving Your Credit Meltdown" immediately any time of
the day or night.
Points to keep in mind...
If you have bad credit, most credit cards are entirely out of reach. The few credit cards that are
available to you typically require exorbitant setup fees and high interest rates or recurring monthly fees, offer
very low credit lines, and often require cash deposits.
An auto loan can cost thousands more in interest if you finance the automobile with bad credit.
A typical home loan can cost hundreds of thousands more in interest if you are purchasing
the home with bad credit.
Take The First Step NOW to Alleviate Your Credit Trauma!
I'll be looking forward to hearing about your success!
P.S. It should only take you about 1 hour from start to
finish if you follow my step-by-step instructions.
P.S.S. Learn "The
Secret" Credit Repair Companies do not want you to know.
This "secret" is all you need to know to ERASE NEGATIVE MARKS
FROM YOUR CREDIT and it doesn't cost you a freaking thing!
I am so confident that "Surviving Your Credit Meltdown" is exactly what you neeed and it will help you more than
anything out there at any price, that I have a Full 30 Day Money
If it is not everything that I say it is, then I will give you your money back - No
Questions Asked. So, you have everything to gain, and nothing to lose by ordering today.
I can help you get your life back and take the Trauma out of your credit