| (Copyrighted Material) | | | | someone had to show me. I can NOT do it by |
| Are you tired of throwing most of your income | | | | myself..." This group will also not succeed because |
| towards interest rate and fees on credit cards, auto or | | | | they have the negative thoughts built-into their |
| mortgage loans? | | | | behaviors/minds also. |
| Do you have interest rate of over 11% for auto loans | | | | The fourth group is the block builders. This group can |
| or credit cards? | | | | solve any problem at anytime without instructions and |
| Is your mortgage interest rate several points over the | | | | are ready to take on any and all tasks with a little or |
| federal lending rate (interest rates over 8%)? | | | | no push. These are the go-getters in our society. We |
| Do you have a judgment on your credit report? | | | | can throw any problem in their path and they will find a |
| Are you hanging on the ballet, counting days to file | | | | way to overcome the problem. Most of these people |
| bankruptcy? | | | | don't even need instruction manuals to assemble or |
| Is the IRS or your state department of revenue | | | | disassemble anything. They will figure out on their own |
| repeatedly sending you letters, demanding money for | | | | and possibly even find a shortcut that would work |
| back taxes, interest and penalties owed? | | | | better than the manual that accompanies the item. |
| Is your auto on its last leg and you don't have the | | | | These people don't understand the word "NO." They |
| money or credit to fix your transportation? | | | | don't know the word "impossible." They can't stand |
| Are you unable to get a loan because of your credit | | | | discouragement or discouraging people. Everybody |
| report - credit score? | | | | else calls them "very smart," "brilliant," "responsive," |
| Are you being repeatedly denied loans for auto, home | | | | "determined," "persistence," "relentless" or a long list of |
| or business? | | | | other names. |
| Are you pulling your hair, not knowing what to do - | | | | Okay. How are YOU called? What group are you in? |
| paying so much to the so-called credit repair | | | | At the same time that you want comfort in your life, |
| companies -waiting months at a time hopping they will | | | | you must understand what makes it happen. There is |
| fix your credit one day? | | | | nothing wrong with wanting a better vehicle (a good |
| Then, you need to take a step forward, admit (to | | | | transportation), a place you can call home, good |
| yourself) you have a major problem, stop being | | | | furnishing - whatever your heart desires. However, |
| depressed, STOP BEING EMBARRESSED, take the | | | | these come at a cost. The cost can either be the high |
| initiative to fix your credit and learn how to keep your | | | | interest rate and unreasonable fees you pay for the |
| credit in a good shape for the rest of your life. If you | | | | loans you receive, be denied repeatedly for the loan |
| think it is embarrassing for someone to know you | | | | applications you submit, or simply take the appropriate |
| have bad credit then, think about the embarrassment | | | | measure and do credit repair so that your financial |
| you’ll face when you lose your car through | | | | trouble could go away. |
| repossession or home in a foreclosure. When you do | | | | If you haven’t learned yet, your credit "IS" your life, |
| your own credit repair or ask an expert, how will you | | | | you MUST fix your credit now. You must learn the |
| get embarrassed? You are taking a step to improve | | | | true trick of how to repair credit, improve your credit |
| your life. If you think someone may look down at you, | | | | score, manage credit and money and turn your mess |
| then guess what, that person jealous of you. No one | | | | of finances around. Do the credit repair yourself and |
| around you (family or friends) knows what you are | | | | be proud of your own accomplishments. |
| doing and who cares if a stranger knows. You will | | | | We understand that you may not know how to begin |
| never see or hear from the stranger you bought a | | | | or how to overcome a situation when you are stuck. |
| book from. Plus, a lot of people buy all sorts of book to | | | | That's why we are here to help. First we have |
| learn more or to add on to their library. Just because | | | | published books that teach you every step of |
| you pick up a book, the whole world doesn’t think, | | | | self-credit repair. The books also teach you money |
| OH! You must have credit problems. I know quite a | | | | and credit management (after credit is fixed). These |
| few people who have credit score over 800 and | | | | books make you independent. You will NOT need |
| hundreds of thousands of dollars in their accounts yet, | | | | anyone's help. It requires your own motivation and |
| got a copy of my book. In fact, an attorney out of N.J. | | | | determination. However, if you get stuck and need a |
| purchased my book and placed a review on couple of | | | | hand, a push or a direction; we are also here to help |
| sites (where my video was viewed and the site my | | | | you with that. Our website is available to answer most |
| book was purchased). | | | | of your questions. Others asked us questions and their |
| There are four (4) groups of people in this world. Let's | | | | answers were provided to them (without mentioning |
| see what group are you in. | | | | their names). There are Q & A and comment |
| The first group of people is the blamers. The ones | | | | sections on our website designed to help you with |
| who love to cry on other people's shoulder blaming | | | | your needs and help push you go forward. |
| everybody else for their down falls. Let me give you | | | | Whatever you do, please don't sit and wait thinking |
| an example of what this group does. They claim it | | | | that a "credit fairy" will drop on your lap and your credit |
| was their spouses, roommates, girl-boy friends, family | | | | repair is going to be automatic, without you taking any |
| members or the neighbors that caused their problems. | | | | steps. |
| As a result, they won't do anything to fix their | | | | The groups "procrastinators", "blamers" and the |
| problems, expecting the person who created the | | | | "uncertain" will never accomplish a task or complete a |
| problem should step forward and fix it. | | | | task. You can be like them and continue feeling sorry |
| The second group is the procrastinators. This group, | | | | for yourself for the rest of your life. However, after a |
| will never take any initiative and they wait and wait, | | | | while, cry-wolf will lose its affect and situations won't |
| counting days saying to themselves, "I am going to | | | | get any better (if they don't worsen). |
| start after" my birthday, wedding anniversary, the | | | | As the title of one of our book says, "Bad Things |
| holidays, the child's birthday, and a long list of excuses. | | | | Happens to Good People." However, those good |
| However, that day comes and passes by and this | | | | people make their mind to change their life styles and |
| group never starts. | | | | won't allow the trouble of the past be a burden for |
| The third group believes on "uncertainty." This group | | | | their future. |
| wants to do something but not sure how to do | | | | Therefore, my dear reader, I ask you to start now, |
| something and the suspense of what the result is | | | | take a step forward, go to the website link, read the |
| going to be eats them alive. Therefore, they will never | | | | existing questions and answers, post questions, look at |
| start; because, they are waiting for someone to hand | | | | the books (pick up a copy of the books) and initiate |
| feed them, take their hands through every step of their | | | | your credit management repair now. |
| lives. They think because there was always someone | | | | God Bless. |
| who was doing the work for them, there is no need | | | | You can go to my website and post your questions. |
| for them to do it themselves. They say, "I want to do it, | | | | Your personal information will remain confidential and is |
| I never done anything myself. Even if I did something, | | | | NOT sold or shared with anyone else. |