The nation's leading credit scoring expert reveals how you can live better...have more fun...and enjoy an upscale lifestyle, without having to work harder or make more money...

(And if you're driving a Ford or Honda or Toyota...I'll show you how to purchase or lease a Mercedes or BMW—with little or no money down—for the same or lower monthly car payment you're making now!)

Dear friend,

It's true. You can cut your monthly mortgage payment by hundreds of dollars...and you can pay the same amount to drive a Mercedes or BMW...as you do for a Toyota or Honda.

I've shared my technique with everyone from...bankrupt people who've used it to buy their first homes and purchase brand new cars with no money down...to highly paid dentists and doctors—showing them how to upgrade to million dollar homes.

It doesn't matter whether you have bad credit or good credit—you can start paying less for everything you buy on credit—from everyday purchases you put on your credit card...to a car...to a new home. The system I've developed works for everyone.

And none of this has to do with working harder...putting in longer hours...working another job...or making more money.

Here's the secret...

It all has to do with increasing your credit scores.

In case you didn't know, your entire credit history is summed up in a three digit number known as a credit score. Specifically, it's called a FICO^® credit score (more about that in a moment).

You will have a much more enjoyable and stress-free lifestyle when you know how to increase your credit scores. With higher credit scores, come the best offers from all the lenders you do business with.

The greatest strategy
for improving your lifestyle is
to raise your credit scores
(And it's much easier than you may think)

If you have bad credit (even if you've filed bankruptcy) this manual will show you how you can raise your credit scores. Even a few additional points to your credit scores can change your life dramatically. You'll start to get approved for the credit you were once denied...you'll have more and better opportunities to purchase real estate...and you'll start receiving much better offers and lower interest rates from lenders.

In fact, here are 10 bold promises right now—
when you follow the methods in this manual, you will...

• Save tens of thousands of dollars in interest on your mortgage payments
• Refinance at a lower interest rate
• Get approved for no-money-down financing
• Lower the interest rates on all your credit cards
• Increase your credit limits
• Get approved for credit and loans you've been denied for in the past
• Qualify for much lower car payments
• Lower your insurance premiums (that's right, your homeowner's, renter's and auto insurance are based on your credit in most states)
• Get utilities at lower rates and without deposits
• Know whether you'll get approved and at what interest rates BEFORE you even fill out credit applications

For example...when you raise your credit scores the way I'll show you...

You can own a Mercedes for
less money than a Ford—
your credit scores determine
which one you drive

Do you want to pay $702/month for a Ford?

or

Do you want to pay $622/month for a Mercedes?

Nothing against Ford, but why pay $720 for a Ford when all you have to do is increase your credit scores to start driving a Mercedes—or a BMW—for almost a hundred dollars less each month!

Or if you're thinking of buying an SUV, would you rather drive a Toyota or BMW? When you increase your credit scores, you'll be driving the luxury vehicle, for less money!

Do you want to pay $884/month for a Toyota?

or

Do you want to pay $796/month for a BMW?

When you have the right credit scores, you'll pay almost $100 less a month. What a great concept—paying less to drive a nicer car. And you can do exactly that—when you increase your credit scores.

Or, if you're already driving a luxury car, I'll show you how to dramatically cut your monthly payment...

What do you want to pay for this car?
$1,042/month or $852/month

It doesn't matter what car you pick. If you're driving a used Honda and your monthly payment is $500, you can increase your credit score and buy a new Honda for about the same monthly payment—or even lower.

And in case you think I'm fudging the numbers, all the examples I used are for new cars, the exact same terms, based on no money down, on a 60-month payment plan. The ONLY difference is the highest credit scores ALWAYS get the lowest payments.

And credit also determines how much you pay for a home...insurance...whether you get a job (your potential and current employers can legally look at your credit reports and not hire you—even fire you—if they don't like what they see).

Credit scores even determine what you'll pay for your utilities in some cities. That's right, if your next door neighbor has higher credit scores than you, you may be paying more than him or her for your electricity.

Now do you see how important your credit scores are? Can you see how much easier good scores can make your life?

Here's how I discovered how you can increase your credit scores to their highest levels ever, to start enjoying life without working harder...

How an entrepreneur from
South Bend, Indiana went from filing bankruptcy to becoming the nation's
leading credit scoring authority

(And has already helped over 325,000 people learn secret strategies to raise their credit scores so they can improve their opportunities)

At a young age I experienced a high income. I was only 28 years old when I started my own computer business, which became highly successful.

Before we knew it, my wife and I were living the high life of shopping sprees in Chicago, vacations to exclusive hideaways, and fine dining. Plus, my income bought us all the toys we craved—luxury cars, a large home, fine furniture, and designer clothes.

Five months after we were married, I realized I was unhappy in the computer business. Even though I was making a lot of money, it wasn't my passion. I had just returned from a seminar where the presenter asked, "Do you wake up every day and enjoy what you do? If not, find what you enjoy and do it."

So I took six months off to figure out what I wanted to do.

With no savings put aside our income stream dried up. But we continued our expensive lifestyle—living off credit cards. We sold most of our belongings to live, pawned our TV and stereo system—and even borrowed money from our parents.

We knew the end was coming when our Jeep Cherokee was repossessed and we started receiving phone calls from collection agencies. We had every intention of paying the debt owed—we just needed more time.

I filed for bankruptcy on February 1, 1993, but was determined to recover and regain my good credit. That's when I learned about the power of credit scores.

In less than 8 months—my credit scores
(and lifestyle) shot up dramatically due to my discovery...

I started by researching everything I could get my hands on about bankruptcy, finances, credit, etc. I can be quite resourceful. I had already built a million dollar company once, so I applied everything I learned building that company to recovering from bankruptcy.

I discovered credit building information no one else was talking about. Bankruptcy attorneys didn't even know this information.

Then I put it to the test. I started using the strategies I'd discovered to increase my FICO credit scores.

And they worked!

Less than 8 months after I filed bankruptcy, I bought a new car (at 2.9% interest) and got a mortgage on a beautiful home (at only 6% interest with very little money down). A short time later I was receiving credit offers at the same rates as somebody who had never filed bankruptcy.

Today, by maintaining high credit scores, I own millions of dollars worth of real estate and run a successful company. Now I often pay a fraction for what I buy on credit compared to what others with lower credit scores pay.

And I'm often the "go-to" guy when the media wants accurate information on credit scoring. I've been featured in The Wall Street Journal, Newsweek, Smart Money, The Washington Post, Bloomberg Television, CBS MarketWatch, CNNfn, CNBC, Money Magazine, Family Circle, Better Homes and Gardens, and other media outlets.

I don't tell you this to impress you—but to impress upon you that I know what I'm talking about when it comes to building good credit scores, and then using them to improve your lifestyle.

If I've accomplished all this over 12 years of trial and error, then imagine what you can do once I take you by the hand and show you how to raise your credit scores.

No matter how “bad” your credit is now—
you can improve it quickly with my method
(And if you have good credit now, wait until you see how much easier life will be for you when you have GREAT credit)

While there are many different credit scores out there, the most popular score is called the FICO credit risk score. It's the one almost all lenders use today.

When you apply for a mortgage...buy a new car...apply for a loan at your bank...apply for cell phone service...or apply for a credit card—the person (or computer) making the decision will look at one or all of your FICO credit scores.

Your FICO scores determine...

• Number 1: Whether you get approved
• Number 2: What interest rate and terms you will be offered if you do get approved

Unravel the mystery behind
your credit scores

FICO stands for Fair Isaac Corporation. Bill Fair and Earl Isaac are the two gentlemen who created the first credit scoring system in 1958.

The three largest credit reporting agencies (Equifax^®, TransUnion™, and Experian^®) use Fair Isaac's credit scoring model to create FICO credit scores. Each reporting agency has its own version of a FICO credit score.

calls their FICO credit score a BEACON® score.

calls their FICO credit score FICO Risk Score Classic^® (it was formerly known as the EMPIRICA® score.)

calls their FICO credit score the Experian/Fair Isaac Risk Model®.

So whenever you hear the term "credit scoring," it usually refers to FICO credit scoring. And as you can see from the chart to the right, the most popular score lenders use is a FICO score. You have three different FICO credit scores—one from each credit reporting agency.

FICO credit scores range from a low of 300 to a high of 850. The higher your scores—the lower your interest rates will be on all your loans—and the more likely you'll be offered the best rates and deals.

If you plan to buy anything with credit...a home...a car...a boat—and you want to get approved at the lowest rates—then you need to have high credit scores.

But here’s the problem...

Fair Isaac and the credit reporting agencies do not publicly reveal how our credit scores are compiled.

They guard their secret formula as closely as Colonel Sanders guards his chicken recipe.

And they adjust their complicated formulas (or algorithms) for calculating FICO scores every few years.

But there is a way to find out directly from Fair Isaac how credit scoring works.

They will teach qualified professionals and lenders the ins and outs of credit scoring. However, in case you're thinking of knocking on Fair Isaac's door and asking for credit scoring secrets, know that...

1. They turn down many people who who seek their help. And with rare exceptions (myself being one of them), they train only lenders and other credit "professionals."
2. Even if you make it through their rigorous screening process—you would then have to fork over thousands of dollars to be trained by them.
3. If you do get accepted for training and do cough up the training fee, good luck understanding what they're talking about! Getting trained by Fair Isaac is like sitting through the world's hardest calculus class! They speak a different language than you and I. It took me three sessions just to get acclimated to their corporate culture and industry jargon.

How I cracked the
credit scoring code

I'm one of the few non-lenders trained at least twice a year by Fair Isaac to learn the intricacies of credit scores.

Two to four times a year I fly to Fair Isaac's corporate offices to learn the subtleties and changes in credit scoring.

Between the fee I pay to Fair Isaac and the cost of transportation and lodging, each of these trainings costs me between $10,000 - $15,000. So I'm one of the few experts who will put my money where my mouth is. Even the famous blonde celebrity credit expert you see on television hasn't been through the training I have.

In other words, I've paid my dues and I know what I'm talking about. As crazy as this may seem, credit scoring is my life and I'll put my knowledge, expertise and practical experience up against anyone's at any time!

After years of training, I have a thorough understanding of how credit scoring works. I take everything I learn and boil it down to easy-to-understand bits of information you can take and put into action immediately.