In this sequel to his best-selling book, Credit Secrets, Hammond describes the deceptive web spun by the powerful credit bureau syndicate. He tells how to get a copy of your credit report, interpret it and then force the bureaus to wipe the slate clean. Get back on solid financial ground for good.

Many people cringe when they hear the word credit. The credit system is complicated, scary, and sometimes might even appear overwhelming. However, it can be understood and even controlled if you possess the right knowledge. With this book in your hands, you are about to become a credit master. You will know exactly what your credit scores are based on and how you can control them. You will learn the secrets the credit bureaus donÍt want you to know about their computers, systems, and tainted past. You will uncover unethical creditor tactics that are being used right now to ruin your credit. You will even have access to credit bureau dispute methods, letters, and advanced letters I personally use, which will all help you remove inaccurate items from your credit report.

FICO scores from the 500's to the 700's. After 20 Years in The Sales Industry And Owning His Own Credit Repair Business, Danny Cole Reveals The Secrets The Credit Agencies Don't Want You To Know! Is bad credit keeping you from buying a home? Is it keeping you from getting financed for a car? Are you struggling to pay your bills because of high interest rates? If so, you are not alone. A bad credit report can keep you from getting the home, car, credit card, loan, or even the job of your dreams. It is estimated that over 80 million Americans are living with poor credit. Imagine being pre-qualified for the home of your dreams, the car you want, and getting any loan or credit card with the best interest rates available. Don't let bad credit hold you back from living the life you should be living any longer. Inside you will learn the simple step-by-step process the professionals use to delete all derogatory items from your credit reports. Bankruptcies, late-payments, repos, collections, judgements, liens, etc. all deleted. Learn the tactics and strategies that the credit bureaus don't want you to know.

Solve your financial and credit problems once and for all! This is a dynamic, easy-to-follow program. It outlines specific, jargon-free instructions on how to eliminate your debts, remove negative items form your redit files, and establish a AAA-1 credit rating -- regardless of your past or present financial situation.

Have you recently been denied for credit cards? Can you not buy the house you deserve? Do you have a subprime FICO score?America runs on credit. Having a good credit score helps you get ahead, save money, and improve your lifestyle. Having subprime credit means you have to work twice as hard to get the same material comforts as someone with excellent credit. Corporate America has set up a system to entrap hard working Americans into debt slavery. A couple missed payments can send your score spiraling down into the depths, making it difficult or impossible to borrow money for your future.Fortunately, you can fight back. Since credit is so crucial, there is a system of checks and balances that you can use to improve your credit score. Credit repair companies will charge you thousands of dollars to use these techniques. In reality, all you need is some education about how the system works. You have to know the system to beat the system!Inside:Why your credit score is so importantHow the FICO score works Why the worse your credit is, the easier it is to improveHow to dispute incorrect items on your credit reportHow to use the fair debt collection practices act to your advantageHow to use time limits under the law to win disputes automaticallyHow to negotiate with creditorsHow to negotiate medical bills and hospital liensThese principles are easy to apply and will change your life for the better. Take back the power from the credit bureaus and take your life back. Look inside for more!

Who would not be interested in getting an interest-free loan for 12 months for any type of purchase just for taking a few minutes to complete a credit card balance transfer offer? Or a free round-trip airline ticket twice a year just for making purchases on a rebate card? Or lowering their insurance premiums by hundreds of dollars a year just by raising their credit score? Obviously, just about every consumer is interested in saving money and getting freebies! Hence, the universal appeal of this book cannot be overstated. Today, the average American household has 12.7 credit cards. Banks maximize their profits by "nickel and dimeing" and outsmarting their cardholders: that's why credit cards are their most profitable product. Banks spend billions enticing consumers with rebates, freebies, low-introductory rate offers, and airline miles. Learn how to take full advantage of these offers, without paying for them through brutally high interest rates, fees, and penalties! Arnold offers specific advice targeted to young consumers who are being aggressively targeted by credit card marketers; retirees facing credit discrimination; Americans recovering from bankruptcy or other debt problems; and even consumers with great credit. You'll learn the techniques he has personally used to escape credit card debt, "creatively finance" his wedding, car, and home purchases, and earn thousands in credit card "perks" every year.

This book is full of unkown information, that has never been released to the public. It contains detailed information about the credit bureaus and how their database operates. Anyone who has good or bad credit should read this book. This book takes an inside look at the tactics that can be used for individuals seeking to get ahead in life without the use of credit repair or debt consolidation companies. If you ever wanted to know about the secrets of the credit bureaus I stress that you read this book.