Suffering from bad credit or no credit?

"My Self Help Credit Repair Kit will help you discover the PROVEN secrets to repairing your credit and buying the home, car, or vacation of your dreams ...

in the NEXT 30 DAYS!"

PLUS - Our credit repair consultant has included a special bonus chapter on how to get just about anything including furniture, computers, and personal loans despite bad or no credit.

... AND 7 simple tactics to boost your credit score!

From: Brett Bruce
Rancho Cucamonga, Ca
Friday, January 5th, 2006

Subject: Credit Repair Success

Dear Friend,

I want to thank you for giving me the opportunity to help you repair your credit. With the millions of credit repair sites online (YES, I said millions), it is hard to know who to trust. After all, you don't want to spend your precious time and money follow methods that just don't work, do you? And in the end, all you really want to know after reading this is..Does it work? And how much? RIGHT?

It's been a little over 8 months since the release of the completely revised new edition of The Self Help Credit Repair Kit and the results have been astounding. People all over the country have been writing me to tell me how pleased they are with the results and just how much the book has helped them. This kind of great feedback just makes me more passionate about helping others with their credit repair needs.

These are just a few of the testimonials I have received over the last couple of months and I have asked some more of our readers to share their experiences with you. I know how important proof is.

So make sure you read these testimonials from our readers that have not increased their credit scores, but have changed their lives.

The Results Speak For Themselves...

Dear Brett,

I love your book! I was fortunate to have found your book through another link as I was searching for such material on the web. After downloading and reading the information in your book titled "The Self Help Credit Repair Kit", I was really impressed. I have to say that your writing style is so enjoyable to read. With this, you have the ability to explain the mysteries of the credit reporting world in simple, easy to understand language. For that, I applauded you! Additionally, the areas that you have covered in your book are the key areas of need and understanding that I know that others as well as myself have been looking for. Simple explanations to Credit Repair questions. I know that you will be able to help free many from the "Poor Credit Demon" that has succeeded in chasing families to the poor house for years.

customer 1 Good Luck and Thank You Very Much.
Respectfully,

Jim Lewallen

“Good morning. I found your credit repair kit to be very understandable and easy to read. "Knowledge is Power"; therefore, I felt like you were empowering me and providing me with confidence as I continued to read the extremely valuable material you have obviously spent a substantial amount of time compiling & researching. You have basically done most of the leg work for the average consumer.

I must admit I use your information to share with my clientele in order to help them help themselves!

Thank you for sharing it with me and I in turn pass it on to others ("PAY IT FORWARD").

You are without question doing your part to improve the lives of those who sometimes feel like life (Credit Repair) is sometimes overwhelming.

I, too, have done my share of research and made honest attempts at dealing with Credit Bureau Agencies (Transunion, Equifax & especially EXPERIAN) and following their dispute processes. I have found them to be somewhat confusing & contradicting. Some of the employees that work for these Credit Bureau Agencies have condescending attitudes and I have definitely experienced a lack of urgency on their part.

I have been passed from one representative to another and I feel like this is part of their process in order discourage me to the point that they make me feel insignificant. It seems to take an act of congress in order to get them to just do the right thing and correct the errors reflecting on my credit report that I have had nothing to do with. These errors are without a doubt and unequivocally not mine! All they have to do is make a phone call, send a letter or email a dispute and simply do a little investigating (ask questions) and compare social security #'s. They will quickly discover that these errors can be easily corrected.

They don't appear to really care about correcting credit reporting errors that are the responsibility (I should say "irresponsibility") of others. It sometimes feel like it is a scam to encourage us to buy their credit monitoring & scoring products and to prolong the credit damage that has been inflicted on us (the consumer). The damage I am referring to at the very least translates to stress & frustration due to embarrassment and having to explain over & over again to potential creditors your credit worthiness, even though the credit report reflects differently (erroneously). In addition, having to pay higher interest rates, limited options, receive lower credit amounts and shorter terms in order to reduce the risk, which is not accurate because the "Bible of credit" is incorrect to begin with, due to no fault of the helpless consumer!

Respectfully submitted and God Bless!

Rolando Pedraza
Mortgage Broker
SIMON Mortgage Consultants, LLC

“I just wanted to say thanks. Your site has provided me with the most complete and useful information out of the 200 other sites I've visited this morning. I'm trying to repair my credit and your site has put me on the right track. Thank you, ”

Hanz Jorgensen

“Dear Mr. Bruce,

I would like to thank you for sending me my self help credit repair book. I have found it to be a well used tool in my attempt to repair my credit report. By using letters, and other information in the book my credit is well on the way to recovery.
My current up coming attempt is to clear my credit report on an 5 year auto loan that I have just recently paid off, and now to my amazement HSBC Auto Finance sent me a letter stating that I am currently in default on my loan which is paid in full, and is threatening to put negative reflections on my credit report, and my due date ends June 12th 2006 payment was paid in full in May of 2006.
Never-the-less, I feel confident that I can approach this head on without feeling inferiority thanks to your information.
Thank you, for all that you do to educate us to a better understanding of the credit world. ”

Renay Reed

“Thank you for the knowledge I've gained from reading you eBook on credit repair. I have forwarded the email to several of my siblings. We are extremely grateful for all that we have gathered. If you every get an updated, please forward that information to my email.

Knowledge is power".

Michelle Miller

“Great resources. Have to be patient in order to credit repair to be successful. Great informative book."

Michelle

“TO WHOM IT MY CONCERN,

I'M WRITTING THIS LETTER TO TELL YOU ABOUT SELF HELP CREDIT REPAIR BOOK ,I GOT FOR FREE .USED IT TO REPAIR CREDIT AND HELP ME GET BETTER CREDIT SCORE. I WOULD RECOMMENTED TO PEOPLE WANT GET A BETTER CREDIT SCORE.

THANK YOU"

Ken Olsen

And that's just a couple of the testimonials we've received since the launch of the new edition.

Will YOU Be Next?

Time is passing you by and every day that you have bad or no credit is costing your money. Stop wasting time and download The Self Help Credit Repair Kit now to get started.

...And to answer the question of "How Much?" ...Let's cut to the chase...How much is having bad credit or no credit costing you right now?

Keep on reading to learn more about how to gain access to this Life changing resource.

It is a fact that consumers have been overcharged millions of dollars in interest due to incorrect and erroneous items on their credit reports. The scary part is that 99% of these people had no idea that they were being overcharged.

Just paying your bills on time is not enough!

Many people I talk to think as long as they are paying their bills on time, they will have good credit and that is just not true. In fact, I worked with one couple that had NEVER missed a payment in over 17 years and their credit score was only 554 (This is extremely low for someone that had paid their bills on time).

I taught them just one technique that made their credit score sky rocket into the 700s within 30 days!

No matter who you are... If you do not know the tips and techniques that are in this E-book, you ARE LOSING MONEY! Many of the techniques I teach take very little time to implement and the results are staggering.

Don’t have time to do it yourself…We have even reviewed several companies that can help you in your quest for a better credit score.

Does the following describe you or someone you know:

• Are you tired of paying a higher interest rate on your mortgage, car loan, credit cards, etc. than your friends and family because your credit is bad?

• Do you get a pit in your stomach anytime you hear the words “credit application”?

• Have you had to change your phone number because every call you get is from another creditor chasing down the another bill?

• Are your friends and family getting the same calls about you? Your employer? (If not, they probably will.)

• Or maybe you just don’t have enough credit? Deciphering the term credit and what it means to you can be challenging, but it can be done…

My name is Brett Bruce.

At the ripe old age of 19, I just about went bankrupt. Creditors had my phone number on speed dial and I am pretty sure I was on the collections agencies top ten most wanted list. I remember thinking to myself, "How did I get into this situation?" and most importantly, "How am I going to get out of it?".

At that time the internet was not widely available and I was dead broke. Over time, I have compiled a long list of tips and techniques that will help you repair your credit. Years ago I decided to help others do what I couldn't, so I wrote a book which you now know as The Self Help Credit Repair Kit.

I have updated many of the tips and techniques from my first release and am proud to release the "The Self Help Credit Repair Kit. I have helped countless people repair their own credit. As a top rated branch manager with the nation's largest subprime mortgage lender, I know what lenders are looking for when qualifying consumers for a loan and I know what factors are considered when determining whether a consumer does or does not qualify for credit.

Does my story sound familiar …

I had just turned 18. (So I had zero credit!)
I was a full time student and had a part-time job. (So I had minimal income with almost no time on the job.)
I wanted to purchase a car, but had $0 down payment and Zero credit.(So I was pretty much out of luck!)

And as you probably already know, you either need a lot of money down or good credit established to buy something on credit…or at least this is what I was told at the time.

I was receiving a lot of mail from companies stating I was “Pre-Selected” to receive credit cards and was turned down by all of them. Little did I know that I was slowly making my credit score worse by applying and being turned down so many times by so many creditors.

When I finally did get a high-interest personal loan, I was so eager to get the credit, that I abused it and in a matter of months had gotten myself over extended.

I lost my job about a month later and soon after that, the creditors began to call.

I have dealt with hundreds of customers in similar situations:

no credit score
wanted to fix credit mistakes
sudden unemployment,
a sudden death in the family,
a drop in overall income,
or just plain reckless abandon when it comes to personal finances.

Whatever the case may be that directed you to this website, you landed in the right place!

The Self Help Credit Repair Kit e-Book will provide you with all tools necessary to quickly and most importantly, legally, improve and repair your credit.

I will take you step-by-step and teach you:

	What is credit?
	What is a credit score?
	And more importantly, What is the credit score that banks look at? What do banks consider to be a good credit score?
	Where you can find the 3 free credit scores that lenders look at?
	How to find alternative loans for people with bad credit. Without losing your shirt in interest charges!
	How to receive a higher credit score from the credit bureaus just by making a few minor adjustments to your credit report.
	How to edit over 10 sample credit repair letter templates to help get you started quickly.
	Where to find credit cards for okay and bad credit? Or better yet, what else can you do to get back on track with your finances.
	Where you can get your free annual credit reports from the 3 major credit bureaus.
	And much, much, more!

WANT PROOF?

Did you know that if you file Bankruptcy, it does not include delinquent mortgages? In fact, what happens in many cases is the home is foreclosed upon and any remaining balance due is still the borrowers responsibility. This, in fact, happened to one of our clients.

She lost her home because her husband was not working and the bank sold the home for a loss. The sale covered her 1st mortgage, but did not cover her $25,000 2nd mortgage. They had already filed Bankruptcy and now they owed $25,000!* Fortunately, she was able to use the book to have it removed.

Click Here to See the Larger Image

* A good bankruptcy attorney would have file a motion to avoid lien so that this did not happen.

Watch It Happen Step-by-Step

One of clients was so happy with here progress that she sent us several of here reports to show the progress she made just by sticking to plan and following through. You can click on each of the reports to see a larger image.

Report #1	Report #2	Report #3

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Notice the progression? Notice the dates? Notice the account numbers? These are not out of the ordinary results. Just imaging what your credit report will look like in 120 days!

Okay I believe you...
But What About Bankruptcies?

The question I get asked the most is, "Can you get rid of a Bankruptcy?" You might be surprised to find that the answer is, "YES!" I have seen lots of Bankruptcies and Foreclosures and Judgements removed from credit reports.

And as they say, a picture is worth 1000 words!

Click Here for a Larger Image

You can't get more solid proof than that!

If you are interested in any of the following topics, then you NEED this absolutely life changing e-Book:

1.	Taking back your life by stopping your creditors and collection agencies from harassing you!
2.	Literally saving hundreds and thousands of dollars by understanding your credit reports and learning the tips and techniques that can raise your credit score.
3.	Saving $$$$ instantly by learning about the only website online where you can get your annual credit reports (All 3 credit bureaus) for free!
4.	Saving months of mistakes by learning how to establish or add credit to your credit report quickly and easily.
5.	Saving thousands of dollars on your next refinance buy learning what questions to ask when refinancing your mortgage with bad credit.
6.	Learning 10 simple techniques to increase your credit score in the next 30 days
7.	Saving hours and hours of time by using our free credit repair sample letter templates.
8.	Reestablishing your credit after a bankruptcy. It can be down right impossible if you don’t know where to start. I will take lead step-by-step to a better credit score.
9.	Learning the loop hole necessary to get around the "I need credit to get credit" problem. It’s easy if you just know the tips and techniques in my new e-book.
10.	Protecting yourself from identity theft. It is one of the fastest rising crimes. Are you protected? Get the tips I teach to insure you are doing what you can to keep identity theft from happening to you!
11.	Learning how to buy your first home EVEN if you have bad or no credit. It can be done.
12.	Keeping yourself safe from scam artists. Are you scared of all those credit repair scams out there? You should be! We have reviewed several companies and law firms that can help take the guess work out of building, repairing and obtaining credit.

Not only will you receive my eBook, but since I am already in a giving mood, you will also receive the following 2 free bonuses to help you along the way:

1.Our “Special 10” bonus chapter on:

1. Where you can buy bed room furniture with bad credit?
2. Companies that offer bad credit personal loans for $5,000, $10,000 and even $50,000.
3. Specialized home loans for people with bad credit.
4. Where you can get a big screen tv with bad credit?
5. Where you can buy dining room furniture with bad credit?
6. Where you can apply for personal loans with bad credit and online approval?
7. Details on buying computers on bad credit.
8. Details on bad credit laptop leases.
9. How to lease a BMW with bad credit?
10. How do I start my own credit repair business?

2. Free online updates of the e-book.

No need to worry that the techniques we taught you are now out-of-date...We will keep you ahead of the game with Free updates to the eBook of any new information that we come across!

I am not an attorney, just a friend that has been through and seen others go through some very challenging times. The information in this e-Book is simply the tips and techniques that I have found to work for myself and others. I guarantee that the time you spend reading this book will add value to your financial future.

100% RISK-FREE LIFETIME GUARANTEE

I guarantee that the time you spend reading this book will add value to your financial future. In fact, I am so confident that this book will help you increase your credit score, that I will give you a LIFETIME Guarantee...

If for any reason you feel that my ebook is not worth the money you spent on it, I will refund you every cent! Not for 30 days, not for 60 days, not for 90 days, but for a lifetime. That's right, forever.

Why, you might ask? Because if the book didn't help you, then why shoudl you have to pay for it. I only want you to pay for it, if you feel the material in it is worth you invest AND ONLY if it works for you.

It either helps you repair your credit or you get your money back and YOU DECIDE when it has or hasn't helped you. Take your time and put it to work for you.

LIFETIME GAURANTEE - NO QUESTIONS ASKED!

Start Repairing Your Credit Right Now

If you have ever truly wanted to qualify for the best possible rates, especially for your home, there really is no better time than right now for increasing your credit score, is there?

I cannot urge you enough to just implement the techniques you learn in this book. You'll be pleasantly surprised how little work and effort is actually involved for you to start repairing your credit and taking your life back!

The Self Help Credit Repair Kit will teach you everything you need to know to start repair your credit the same day you read it.

Every minute that passes you by without reading this book WILL cost you money.

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Don’t wait another minute or buy anything else before downloading and reading this book. Within 30 days you could be well on your way to a better credit score and a better future. You owe it yourself, don’t you?

Best Regards,

Brett C. Bruce
Author of The Self Help Credit Repair Kit

P. S. Do NOT wait to download your copy of The Self Help Credit Repair Kit. Take advantage of the tips and strategies I’ve used to save thousands in interest and qualify for the toughest loans!

P. S. S. When you receive your copy of The Self Help Credit Repair Kit, you will automatically receive access to our affiliate program and promotional tools. You can quickly make your investment in this book back just by referring and helping two other people that need to repair their credit. DETAILS INSIDE...

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