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Abstract

PremiumCreditFix

Home Contact Us About Me Affiliates

Have You Been Harmed By Your Bad Credit?

Have You Been the Prey for Credit Bureaus Because of; Late Payments,
Foreclosure, Automobile Repossession, Denial of Credit or Even
Bankruptcy?

Read This Short Letter to See How You Can Raise Your Credit Score
100-130+ Points in Less Than 3 Months With Less Than 10 Hours of Work!

Dear Web Visitor;

I have been involved with the credit industry for well over 20 years in
several different fields; one of which was actually working for a major
credit bureau. Year after year I came across thousands of
Americans with credit problems that seemed never ending. After seeing
this over and over, I started to do some research on how and why these
people were having such trouble. After a few short months, I came to
the conclusion that over 85% of the problems could be fixed, corrected
or eliminated with very little effort on the part of the credit
victim.

If you have any questions of my credentials please read about me and
view all of the testimonials below. I am not working out of someone's
basement. I run a complete credit repair program in our office for all
of my clients day in and day out. My company is the only one that has
actually rewritten their program throughout the years to keep up with
the times.

I am not asking for a large investment and I do not like credit
bureaus. After working for one I have uncovered their "tactics" that
they use to avoid accurately verifying information. These bureaus
should ultimately be closed by the government for deceiving the public.

Please read below and make the decision for a better life!

Sincerely,

Richard Mullins

_______________________________________________________________________
________

FACT: Six out of ten Americans are victims of a "bad credit rating."
This plague is spread by the credit bureaus and the credit card
companies that entice and trap ordinary Americans, so they wind up
facing financial ruin.

FACT: You can quickly restore your credit rating...And with the right
information, it's something you can do for yourself, quite easily.

FACT: Fixing your own credit rating is perfectly legal in every state.
You can completely restore your credit rating from the comfort and
privacy of your own home.

FACT: You can get a credit card even with bad credit, GUARANTEED!

FACT: Most Americans with credit problems will need to get a second job
in the next month just to keep utilities on at their home.

FACT: Even if you paid your creditors in full, every time you apply for
credit or even a job, you are haunted and embarrassed by the left-over
scars of late payments on your credit rating.

FACT: You don't need a lawyer to fix your credit.

FACT: You don't need a tax or financial professional to fix your
credit.

FACT: You don't need to pay thousands to hire a credit repair agency.

FACT: EVERYONE NEEDS GOOD CREDIT!

_______________________________________________________________________
________

Importance of Good Credit...We all know how important credit is in our
lives. Without credit you can't rent a car, book a hotel, travel,
borrow money, get a mortgage? Need I go on? The list is endless, and I
think you get the idea.

When You have Bad Credit You Have to:
* Pay a higher deposit for renting an apartment
* Pay a deposit for using everyday utilities (cable, electricity and
water)
* Pay more for insurance (life, health, auto, home, boat etc.)
* Pay a higher interest rate on automobile loans
* Pay a higher interest rate on home loans
* Pay more for EVERYTHING!

_______________________________________________________________________
________

Former credit bureau employee with over 20 years of experience
involving credit scores and credit repair shares all secrets to raising
your credit fast and permanently.

Don't Be One of the Unlucky Americans That is Held Back by Banks and
Credit Agencies

Why Do Banks Do This?

The majority of problems I used to encounter when working for one of
the main three credit bureaus could have been easily fixed without much
hassle. The major reason why this is not done is because borrowers with
a lower credit score have to pay more to the bank. Banks are not dumb
and this is not their first time dealing with a borrower when you walk
in the door.

Let's go step by step through a regular loan process when you are
interested in purchasing a car.
1. You pick out the car you want and you negotiate a price with the
sale person.
2. You explain you will be putting down "X"%, sign some paperwork and
the sales person goes into their back office room and makes you
wait for 30 minutes. He is currently running your credit while also
checking to see if their dealership wants the debt or if they are
going to bring in a third party bank.
3. Lets says they want to use a third party bank. The bank
representative receives the fax from the sales person and they look
over everything on the application. After running your credit they
become aware that your score is not considered "good" by their
bank. A regular interest rate of 5-6% for your car is now near
9-10%!
4. The sales person goes back to you and you are forced to a make a
decision that might haunt you for the next 5-6 years! Adding 4-5%
to a car loan or any loan for that matter will quickly add at least
$70 to your monthly car payment.

Now back to the bank, they know you are going to pay 95% of the time
and if you don't they can take their car from you for almost no cost to
them to resell. When they review your credit, the bank representatives
can pick up these "errors" on your credit report that have dropped your
score. They know they are errors but if they lock a higher rate for
your car loan they are getting a bigger commission while the bank is
making more money (almost an extra $1,000/year in this instance) So why
are they charging this high rate? The simple answer is because they
can!

How Can Banks Do This? Aren't There Laws to Protect us?

Banks can practice like this because they use your credit score as the
reason for everything.

He is paying a higher rate for his car loan because of his credit or
she has to put down more for that house because of her credit. There is
only one party that benefits during this process and it is the banks!
Since all banks are in business to make lots and lots of money and
provide nice returns for their shareholders, the average American is
left holding the bag.

Yes, there are laws in place to protect honest people just like you
from not getting caught up in this mess but, you have to know what to
do and how to act. These laws put in place require the credit holder to
contact the bureaus directly. THIS IS WHY PAYING FOR A CREDIT REPAIR
SERVICE DOES NOT WORK! Since credit bureaus work directly with banks
all day they are kept in business by banks, they are not going to fix
the problems for you just to be nice. However, they are required by law
to change/update this information once they have been made aware of it
directly by the credit holder.

How Am I Supposed to Know This?

You're not! If this was supposed to be a known subject, banks and
credit bureaus would run classes, print literature and post this
information online trying to explain why and how to build/fix your
credit. O yeah I almost forgot, if they did that they would be out of
business!

110 million Americans have supposedly "Bad Credit," that is about 1/3
of Americans. So if this is true how are banks in business? If they
have "true" bad credit, then 33% of people must not be paying their
bills. If this were true banks would be out of business! Banks can only
afford to have 4% to no more than 6% of their loans go bad and still
stay in business. Don't believe me? Over 150 banks have gone out of
business in 2004-2008 alone when only 5% of people stopped paying their
mortgages during the sub-prime mess.

What Does This Prove?

It proves that if 33% of people were actually not paying their bills
then how are banks in business? There is a window of 27%-29% of people
today in the US that ARE paying their bills ON TIME but still have bad
credit!

Don't Be One Of These People.

_______________________________________________________________________
________

How Will This Credit Repair Kit Save Me Money?

What will an extra 100-130 points on my credit score do?

Scenario #1:

You have a $15,000 credit balance that you are planning on paying off
in 5 years.

Interest Rate: 22%

Monthly Payment: $414.28

Now, you have the same $15,000 credit balance that you are planning on
paying off in 5 years. Lets say you only cut off 8% from your credit
card interest rate.

New Interest Rate: 14%

New Monthly Payment: $349.02

You have just saved over $65/month or over $3,900 during the lifetime
of the loan!

Scenario #2:

You have a $185,000 mortgage that is fixed for 30 years.

Interest Rate: 8%

Monthly Payment: $1357.46

Now, you have the same $185,000 mortgage that is fixed for 30 years.

Lets say you only cut off 2% from your mortgage interest rate.

New Interest Rate: 6%

New Monthly Payment: $1109.17

You have just saved over $248/month or over $89,000 during the lifetime
of the loan!

-

_______________________________________________________________________
________

Should I Use a Law Firm and Pay $800-$1500?

No, No, No

These law firms and so called credit repair agencies always used to
cause the credit bureau I worked for much trouble. Trust me, you don't
want to make trouble for the people who hold your future in their
hands. These so called agencies would charge a person with bad credit
thousands of dollars for sending out a few letters and they never
guarantee anything.

The letters they send don't create trouble for the bureaus but when
they start placing your bad credit score with different people who have
good credit scores which makes trouble and causes confusion. Honestly,
this method used to work but the bureaus caught on late in the 1990s to
what was happening and they starting penalizing the persons involved.
Who knows how bad they are punishing people today who still use these
tactics to fraud the bureaus. Protect your privacy and don't divulge
your personal information to some stranger who will do who knows what
with it.

This kit is very straight forward. My program includes over 500 pages
of reference materials to answer any and all questions surrounding
credit. It explains how scores are calculated, exactly how many points
a particular action will add or subtract from your score, how to add 40
points to your score in under one hour and much much more. You do not
have to read the whole book just scan the table of contents for your
troubled spots after reviewing your credit report and start fixing!

I have included over 20 prewritten letters, just add your name, date
etc. and print. Each letter represents a different common problem that
can be corrected. So if you have 4 problems on your credit report you
can find the corresponding letters that needs to be quickly edited and
sent to the bureaus.

Don't go another day with bad credit. Bad credit is big business for
all types of banks and lending institutions that make millions each
month charging you the card holder more money. If it is higher rates,
late fees, application fees, deposits or setup fees, the bank gets the
money from your pockets to theirs.

"You can quickly and permanently fix your credit when using my tested
and proven credit repair program!"

-

_______________________________________________________________________
________

Why Do I Need This Kit to Fix My Credit?

This is a very good questions especially with so many different
competitors on the market and internet today, persons searching to
improve their credit can feel overwhelmed with the choices. You want to
repair your credit, you don't want 20 different ebooks on all different
subjects that have been pasted for years all over the internet. We
provide a proven and tested system that will repair your credit, that
is a fact! There is no question in my mind that it will work for you
since it has worked for nearly 50,000 other persons in your same
position since 1999.

Anyone can type up information into a few pages and sell it to people
over the internet and never speak with them again. Our system is a
program and a course with support that is provided by myself and my
staff for the length of time it takes you to improve your credit. You
can rest assured that credit will be increased to a healthy level
within months, not years. What do you have to lose? We offer a 100%
money back guarantee on all of our programs if you are not fully
satisfied!

Many people will email and ask if they can do this by themselves
without my help and my answer is a honest, yes. You can fix your credit
by researching, writing and sending letters. It will probably take you
hundreds of hours full of research and writing to raise your credit
while taking an additional year or two for the credit agencies to make
any changes. Is this worth it? Do you want creditors calling you for
money for the next 2 years? Of course not.

Don't waste another second wondering what to do. Click below and start
your way to a better future.

-

_______________________________________________________________________
________

Testimonials

"I just purchased my credit kit and (within) 2 days I was able to erase
my Ex's delinquent credit card from my report. Thanks Richard and
comp."

Chantal Rodican - Bridgeport, Connecticut

"Rich, honestly we were a little skeptical about this program but I
received the information and I was emailing back and forth with Nick in
your office and we finally got off the main killer on my credit report.
I think my report should go up by atleast 30 points." many thank yous
from myself and my family. PPS Nick was very helpful."

Andy Brown and Family - San Jose, California

"Great. Great. Great. Keep up the good work. I just applied and was
approved for a $10,000 unsecured loan!!!!!!" Please put this on your
website.

Luis Colon - Columbus, Ohio

"I can't express to you how helpful this information has been. Thanks a
million."

Monique Patrick - Newark, Jew Jersey

1st letter: "hi Rich,
first let me tell you this is the second time i've contacted you for
advice, and i hope you respond as quickly and positivly this time as
before. ok, i wasn't sure i believed the hype with your credit repair,
so i only wrote to trans union to start. i am challenging 4 accounts
with late payments, 2 paid collection accounts, and numerous inquiries.
will you believe that with the very first round 1 collection account
and 2 late payment accounts were removed."

2nd letter: "...did i mention my credit score raised 67 points in the
first round?" your the man"

Jeremy Black - Belleville, Michigan

"Rich, I bought your course yesterday and today I erased two
outstanding "bad debts" totaling almost $10,000 from my report. There
were not mine and I did not know how to proceed. I have just saved
myself thousands.

Please tell people what I have learned in the past 24 hours:

1. Take Rich's advice

2. Don't be overwhelmed

3. Take it step by step and be patient...it works"

Debra Howell - Littleton, Colorado

"Premium, I have a weird one for you. I was disputing a late charge on
my equifax report for a radio shack card that I have, well I got back
the results a couple of days ago and they actually took it off my
credit report my score went up 100 points. Have you ever heard of that
in one shot?"

Mike Valley - Liverpool, NY

1st eMail: "Richard,
Hello, I purchased your book online back in December of 2004, and I
just wanted to take a moment to personally thank you, this book has
been a salvation, I read it from top to bottom, and have been going
through the steps as you have laid them out. When I first started and
ran my 3 bureau report on Dec. 27th. I was in shock at just how bad my
credit was, to give you and idea was Equifax score was a 554.... I am
currently on my third round, and getting ready for my 4th in a couple
of weeks.... So far, I have got my Equifax score up to a 667... and my
TransUnion is up to a 611, my Experian score is unavailable due to my
disputes, but I am confident it is up in the mid six hundreds as
well...... Also, I have been able to remove a lot of bad entries in
each of the 3 bureaus reports......"
2nd eMail: "Richard,
Again, thanks for the help, your book is a life saver, just ran my 3
bureau report again, Equifax is up 3 more points, and Transunion went
up 13 more points. Also, got a letter from Chase that we extremely
polite saying they received my letter from the Attorney Generals
office, and will look into the matter immediately, hopefully this will
get that one gone as well.
Any luck on the new book, I am dying to read this one to see what new
info you have put together.
Again, that's a million."
Brett Callucci - Wilmington, DE

If you have a story you would like to share after purchasing our
program please send us an email. We give away free credit reports to
customers who send in a testimonial.

-

_______________________________________________________________________
________

What is Included With This Credit Repair Kit?

This is The Information That The Credit Bureaus Don't Want You To Know.

The information here will CHANGE YOUR FINANCIAL LIFE FOR THE BETTER.
Curing the credit plague is a science. All you have to do is learn it
and apply it...And never look back. Once you understand what the credit
bureaus are saying about you to anyone who inquires, it is time to take
action. This kit will show you exactly what to do.
You will learn:
* Step by step approach to quickly and easily removing negative
entries from your credit report.
* How to make the credit bureaus take you SERIOUS!
* How to deal with responses from the credit bureaus.
* Exactly what you need to return your credit to a shining "A"
rating.
* That your credit score is harmed when you close a credit card
account and how to avoid this.

Getting New Credit and Building Up Existing Credit:
* Easy techniques of manufacturing good credit for your report
* How rebuild and add new credit to your report
* How to get positive credit to quickly show up on your credit file

You Will Discover:
* How to get your credit report for FREE!
* How to make reading your credit report a breeze!
* Key facts about bad credit.
* The inside secrets to repairing your credit rating.

My Credit Repair Kit Will Include and Explain:
* Solutions to bad credit
* Structure of social security numbers
* Scoring for credit
* The credit system
* Credit card insights
* Six credit card secrets bank's don't want you to know
* Establish AAA credit in 30 days
* The lure of bankruptcy
* Bookkeeping made simple
* Stop collection agencies in their tracks
* If someone owes you money
* Your consumer rights
* The free credit card trap
* How to get free rent
* Improve credit by paying bills later than sooner
* Signature loans
* Wipe out debit without bankruptcy
* Winning the credit card game
* Obtain a $800 loan by mail interest free
* Secrets of credit repair
* Guerilla tactics for a good credit score
* Remove legitimate bad credit
* Federal credit laws
* Legal ways to get the bill collectors off your back
* Choosing a bank that is right for you
* How to make money with business financing
* 50 ways to cut costs
* Nine ways to lower your car insurance
* Raise instant cash - guaranteed
* Consumer rights
* Bankruptcy
* Divorce and credit
* Credit repair companies
* Skip tracing
* Tele-terrorists
* Collect business debts
* Secrets of the rich
* Choosing and using credit cards
* Fair debt collection
* How to dispute credit errors
* Managing debts (and sleeping at night)
* Ready, Set, Credit
* How to get less junk mail
* Over 20 pre-made credit bureau letters
* FREE SUPPORT FROM MY STAFF AND MYSELF, UNTIL YOU HAVE RAISED YOUR
SCORE ATLEAST 100 POINTS!
* And more! Over 450 Pages!

My Government Grant Book Will Explain:
* What Government grants are
* How to write a grant proposal
* How to get your share of free money
* Federal programs by type
* Government services
* How to find more grant publications
* State grant programs for each state
* The top 100 grant programs
* Other federal programs
* Low income assitance
* Veteran's assistance
* Artist humanist programs
* Substance abuse programs
* Handicapped programs
* Small business assistance
* Minority assistance
* HIV / Aids Programs
* Employment / Development / Training
* 600 Pages of Information!

There is so much information, I could not possibly list it all here.
What you have just read is only a small sample of the CRUCIAL
information that you will get in our new kit. If you're thinking about
restoring your credit rating you NEED this
kind of straight up information. If you want to save time and money,
avoid mistakes and possibly disastrous situations and learn the
insiders' secrets that others wish they knew BEFORE they approached the
credit bureaus, this information is CRUCIAL.

If you want to order, we insist you do so entirely at our risk. That is
why this kit comes with a...NO RISK, 100% Unconditional Money-Back
Guarantee. There is absolutely NO RISK on your part with this 90 day
100% Money-Back Guarantee. What we mean is that we want you to order
without feeling you might "get taken." Therefore, we want you to order
this material today...read it, use it...if for any reason you aren't
completely satisfied, simply return it for an immediate refund of your
purchase price.

-

-----------------------------------------------------------------------
---------------------------------------------------------

Guaranteed Satisfaction

We GUARANTEE that this kit, letters along with the books will be the
best, most informative few bucks you have ever spent on improving your
financial situation OR YOUR MONEY BACK! No questions asked!

The Complete Credit Repair Kit

$29.00

-

-----------------------------------------------------------------------
----------------------------------------------------------

The Complete Credit Repair Kit w/SUPPORT

and Government Grant Book

$49.00

-

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Copyright 2001-2008 PremiumCreditFix. All Rights Reserved.

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