Fresh Start Credit Scores
“The Complete Guide to Credit Re-
Amazing Credit Repair Secrets Revealed by Credit Industry Whistle Blower to Add Points to Your Credit Score and Stop the Harassing Phone Calls !
Do you want to use the same secret methods as revealed by a credit repair industry insider to increase your credit scores?
Dear Friend,
Hello, my name is Pat Hicks. I understand what it means to have your credit trashed by greedy banks and credit card companies. And, believe it or not, there really is information that bankers and financiers don't want you to know. “Secret” information, that I learned, and used to change my life, and so can you.
Just one of these secrets took me from dead broke and bankrupt to $50,000 in the bank and $1.3 million in real estate equity in 3 short years!
But, How Will This Help Me?!
Would it help you to have a “walking encyclopedia” credit industry insider expert to personally answer any of your questions from how to stop harassing phone calls to how to remove negative items from your credit reports to how the consumer laws can help you in your personal situation?
Would it help you if I teach you how to place as much positive credit on your credit reports as you want, any time you want, for as long as you want, at a cost of pennies. And...it is NOT too good to be true! (Imagine dozens of positive entries on your credit reports skyrocketing your scores!)
Would it help you if available to you 24/7 are educational audio’s by experts in Real Estate, Taxes and personal development to provide information most people pay hundreds of dollars an hour in consultation fees to hear?
Would it help to have at your fingertips Letters, laws, papers, forums and every tool you would want to replace negative credit with positive credit?
Yes?! Well, you have just started your new life!
Revealed! The Secrets the Banks Don’t Want You to Know
Believe it or not, there really is information that bankers and financiers don't want you to know. “Secret” information, that I learned, and used to change my life, and so can you.
Why? Because the worse your credit scores, the more money they make off of you that’s why?!!
• Information, like which lending institutions are ready, willing and able right now to help you rebuild your credit. But, only if you know who they are and what to ask them, because you will never know about them or what to ask otherwise.
• Information like all of your rights under federal and state law. Information hidden by omission, like all the credit laws they and collectors must abide by. In fact, this and much, much more powerful information is kept from you.
Are you like many people today that are being hammered by the Sub Prime Loan Crisis or $4.00+ for a gallon of gasoline along with food prices so high that canned Spam, which hasn’t been popular since the 1950’s, is flying off the shelves once again? Is it any wonder that people are being forced to charge their food and gas on Credit Cards at 30% or more Interest?
Several years ago I was bankrupt. And, I remember, like it was yesterday, sitting on my couch with a day old baby asleep down the hall, watching my twenty three month old daughter play on the floor. After a sleepless night, I answered the phone as the collectors called incessantly starting first thing in the morning. I told each one of them I had declared bankruptcy.
So, when I say I understand what you might be feeling, it is not just “lip service”. And, I understand that even when we do our best, sometimes life can throw us a curve.
Not only was I financially ruined, but I was also emotionally, mentally and spiritually empty. I have never forgotten that time. And it is an important part of my life to help others going through similar times because I know personally how it feels. I also know it could have been so much easier and faster if someone had shared with me then, what I know now.
Even so, just three years after that day on the couch, after hundreds and hundreds of hours of study and applying what I discovered, I had a 730 Credit Score, which is an “A” Credit Rating.
I know you may feel hopeless, but I'm here to give you hope. I'm here to give you an easy, workable solution to your credit crisis so you don’t have to go through what I did.
It is NOT Your Fault
Let me assure you of one thing, if you are in a bad credit situation you need not feel shame, guilt or that it is “all your fault” like I did and many other people do. That serves no purpose other than to keep you from making the positive changes you deserve, and, it is simply not true. It is not “all your fault”.
In reality, you and other honest, hard working Americans are not playing on a level field. You and most of the consumers in America have been victimized by banks and credit card companies fueled by almost incomprehensible greed, who make their living by piling you with debt.
Here is just one example. There is a phrase used by banks in the credit card industry you may not know about. It is called “Tricks and Traps”. Teams of MBA educated people working for the banks came up with these methods for creating more and more fees, deliberately and in ways that would make mob loan sharks blush.
Used on unsuspecting consumers, these hidden costs extracted in just one year alone, $14.8 BILLION in LATE FEES! Fees that were over and above the usury interest rates they charged to make over $1.4 TRILLION in PROFITS!
“Tricks” to extract even more money from you such as changed due dates without notification to create “late fees”, payment over the phone “fees” and charging your for things you never ordered, like “Credit Insurance”.
“Traps” that you fall in requiring ever more money to get out of debt. “Traps” like “universal default”. This term describes what happens when credit cards hike up the interest as soon as you miss one payment?! Any payment on any card or bill?! Then they add penalties charges like “over the limit” charges and generally make the problem worse and harder to solve. Don’t you understand?! They want you to miss a payment!
Because when you do, you enter a very special and select group, identified and targeted by the banks: “The Lending Industry's Most Profitable Customers”. Congratulations!!
Then, every dollar you try to repay goes less and less towards making any headway. In fact, you end up going backwards and the debt is growing faster than you can deal with it. People find themselves with the same amount of money coming in as a year ago, but twice as much going out and nothing left over for extras. But, out of fear, people keep paying so their credit won’t be ruined, and the banks prey on this.
So, if you really think it’s “all your fault” for creating the credit problem you
may be in, I want you to think about something. There are teams of MBA’s devising
strategies to increase your debt even when you make your payments, marketing departments
with unlimited budgets targeting you with ever more offers especially when you miss
a payment, lobbyists influencing Congress to make it harder to declare bankruptcy,
corporate legal departments creating agreements you can’t even read and banking CEO’s
whose multi-
It is all your fault for being in a credit crisis, like it is a baby zebra’s fault for getting eaten as it drinks from the river where there are lions and alligators.
We Can Help!
You may feel like you are alone right now. But, you are not alone. You are not alone because many, many people today have found themselves in a tough financial position, and, you are not alone any longer because we can help.
We have the solution for you to regain your power, regain control and put yourself back in the driver’s seat.
We can help you, personally, and we can help you by sharing the hard earned specialized knowledge that took me from that couch to a 730 credit score.
I say “we” because I have assembled a team of people like no other to help you.
An Industry Insider is YOUR Secret Weapon Against Creditors and Collectors to Look Out for Your Interests: Ms “O”!
Have you ever said to yourself? “I just wish I could talk directly to a credit expert and ask them about my particular situation. That would help me so much!”
I know it would help you. That’s why I want to introduce to you Ms “O”. Ms “O” is a stay at home mom who worked in the collections industry. A mom that experienced identity theft and had the experience and knowledge to fight back. Now, after thousands of hours of study and after helping hundreds, if not thousands of consumers, she has agreed to join our team.
Why do I call her Ms “O”? Because, one, she wants to guard her privacy and two, she knows exactly how the collectors, credit reporting agencies and creditors actually work because she worked in that industry and still knows people in it. It’s kind of like a whistle blower that has been helping the wronged. She is someone that would prefer to stay out of the limelight and just help as many people as possible.
Imagine someone that knows credit laws inside out and will act as your very own go-
Your personal expert with thousands of hours of study, encyclopedic knowledge of laws, industry tactics and a burning desire to help consumers fight back. A personal coach that you can contact at any time and is there to help you as long as you want.
Look, one thing I know for sure, no one will look after your own interests like you do. So, would you rather pay hundreds or thousands of dollars to some stranger with a “credit repair” company that maybe you can’t afford? Someone you don’t know for certain if you can really trust? Or, would you rather have a Secret Weapon you can use anytime to fight for your interests, stop the bullies in their tracks and be by your side if someone in the credit industry threatens you?
Here are some examples of how Ms “O” will help you look out for your interests.
When it comes to working on your own credit reports, did you know?...
• FACTA amended the Fair Credit Reporting Act to allow the Credit Reporting Agencies and Reporters to ignore any letter that appears to be from or provided by a Credit Repair Company. In other words, you lose rights if they can show that you used a Credit Repair Company.
You will never lose your rights with Fresh Start Credit Scores. You will only gain knowledge and understanding to claim your rights!
• If someone else is disputing the negative items on your credit report for you, you hand over all of your personal information. You have no control over how many employees see that information or what they do with it.
You protect your Identity and never share any of your personal information with Fresh Start Credit Scores or anyone else.
• It is well established that 7 out of 10 credit reports contain errors. The Credit Reporting Agencies and everyone else love to spin it as “easy” to get inaccurate information corrected. It isn’t easy. Do you think the above figure would be true if it were easy to get inaccurate information corrected?
You need to know exactly what your rights are. You need to know exactly what the Credit Reporting Agency’s and Reporter’s responsibilities are. You need to know if and when your rights have been violated and how to document it. You need to know how to put yourself in a good position to litigate should you fail to get a resolution any other way.
At Fresh Start Credit Scores you will get information gathered from years of experience and study of the industry and being directly involved in aspects of the collection and consumer data industry.
You will never be alone and ignorant of your rights at Fresh Start Credit Scores because you will have your own Expert Coach, Ms “O”, to help you!
• Credit repair companies use the laws designed for consumers. There are no special laws at their disposal. They simply send letters in your name, making it appear that it is you sending it.
With Fresh Start Credit Scores you get ALL the expert information You Need to help you. Armed with specialized knowledge, YOU are in charge!
• Disputing an item may in fact lower your score even though there is no change to the data it contains. If you are not planning a large purchase such as a car or home in the near future, some items are better left alone.
You can ask Ms “O” personally, the best strategy for your unique situation!
Imagine how much easier the process of communicating with the credit reporting agencies is when you have on your side, expert "insider" help from Ms “O”?
Here is what some of the people have to say about Ms “O”.
Get Someone Who Has Stood Up to the Collection Bullies, and WON, On Your Side!
This Industry Insider Whistle Blower Shows You How and Gives You Step by Step Assistance
Can you imagine how much easier it would be to stand up and claim your rights if you had her on your side? Who wouldn’t want this level of talented, passionate, brilliant support? Who wouldn’t want to be able to ask how to get rid of the collectors, how to know when the Fair Debt Collections Practices Act is being violated and what to do if it is? Who wouldn’t want to know what to do if the Fair Credit Reporting Act is being abused or violated and who to contact to stop it? I know I would have. Instead, I spent hundreds and hundreds of hours studying laws and learning about consumer rights, but I still didn’t know the subject as well as she does.
Imagine having someone like Ms “O” to walk with you and help you stand up to the credit industry. Do you see the benefit of this kind of personalized help?
But, she can’t help you if you are not talking to her! My advice to you is to act now, because let’s be realistic, at some point in time, we will have to limit the space or she will be overwhelmed.
This is your chance to get the assistance many only dream of having, to stand up to the collectors, bankers, credit card companies or anyone else in the credit industry that has cost you money or caused you pain. You don’t deserve one minute of heartache, shame or guilt. And now you can hit them back. Where it hurts worse than anywhere else for these people...in their pocketbook!
Do you want to use the same secret methods as the rich and famous to increase your credit scores?
I did! Now you too can use the same secret methods I did that took me from double bankruptcy to a 730 Score!
With this one-
Simultaneously, you will rebuild your credit scores rating. How do I know? Because I personally used this proven system to add positive marks on each of my credit reports and raise the scores 120 points each! And get this, my total cost was $84 to put over two dozen positive marks on my credit reports!
After learning this secret technique, anyone can do it. With Fresh Start Credit Scores you will know exactly how to....
• Instantly have a lending institution place new positive items on your all three of your credit reports without a credit check. Establishing new credit represents 10% of the calculation for computing your credit scores.
• Instantly double the amount of positive items, if you are married, have a significant other or trusted friend......FOR BOTH OF YOU!!
• Establish a perfect payment history without ever having to make a payment yourself! Payment history counts as 15% of the calculation for computing your credit scores.
• Show your new credit items as “Paid in Full” in six months without ever lifting a finger! Paid accounts with a perfect payment history represent 10% of the calculation for computing credit scores!
• Or, to put it another way, 35% of the way your credit scores are calculated is affected positively. You get new credit, perfect payment history and “Paid in Full” entries on your credit reports. Entries placed on your credit reports every month, automatically and effortlessly!
• For pennies, you will place positive credit items on all three of your reports and your spouse’s reports.
• Have each item add valuable, even desperately needed, points to your credit scores absolutely effortlessly. Possibly as much as 10 points per item!!! Just think about how much in interest you will saving on your next major purchase like a new, gas saving car.
Admit it. If you knew how to do this, you wouldn’t still be reading. And that’s the problem! When it comes to credit scores, collectors and banks, most people are operating from a position of Inferior knowledge. They simply don’t have the tools to change their situation. That is why Specialized Knowledge found at Fresh Start Credit Scores is so valuable!
Let me reassure you. This program to re-
I had to stumble and fall down and finally find it on my own. But when I did..........
I put as much positive credit on my credit reports as I wanted, anytime I wanted.
And so can you. Reap the rewards that come with great credit like the lowest interest
rates available -
It doesn’t matter if you live in Peoria or Los Angeles or Dime Box, Texas (which is a real town by the way). The system works. And the best part is, I can teach it to you in about 10 minutes!
Imagine twelve months from now having credit scores that are 50 to 120 points higher than now. The negatives items are off your credit report and radiating from you is a positive attitude that will be yours for a lifetime. Not only do you deserve all of these things, you can have them easily.
Have you ever heard the phrase, “Work smart, not hard”? Well, that is just another way of saying gain specialized knowledge, apply it and get all the positive results that come from leveraging knowledge as power.
Look, you are welcome to continue beating your head against a wall, if you want. But, if the results you’re getting is a sore head, bill collectors calling, bad credit, high interest rates and bad case of blues, it just might be time to make a change.
Join Now and Get A Fresh Start!
Imagine Your Life After These Secrets Are Revealed to YOU!
• How to create a new positive credit entry on your credit reports whenever you want, as often as you want, as many times as you want!
• How to put positive credit entries to your credit reports showing a perfect payment history because the payments are made for you by the lending institutions!
• How not only to have the payments made for you, but to reap the positive credit benefits of having each item showing “Paid in Full” balance in a few months!
• How to have every positive mark placed on your credit reports by a reputable lending institution at the cost of a hamburger without the drink and fries!
• With the help of your personal coach, Ms “O”, how to stop all harassing phone calls.
• How to make the creditors prove the debt they claim you owe is accurate and true or they owe YOU money.
• What the existing laws, that are in place to protect YOU, are so that you can claim your rights and stand up to anyone in the collections or credit industry.
Now, be honest with yourself.
If the interest rates you’re paying are extremely high, or the bill collectors are calling, or you’re being turned down for credit because of all the negative marks on your credit reports, you really would like someone else to just make it all better for you. Wouldn’t you?
Well, I’m not going to sugar coat this. This is not a quick fix. You may need to stop reading now and go somewhere far, far over the rainbow if you want perfect credit in 90 days. Because, even though we are going to makes things much quicker and easier for you, turning your credit around will take some time and some work on your part. But, you can make it all better. You have the power.
And, I am living proof that it can be done. So, if you think you can write some letters, apply the specialized knowledge you will learn and establish some realistic goals we will help you to set, a year from now you can have a credit score that is fifty to a hundred and twenty points higher than it is today. Your life will be more enriched, empowered, goal oriented, successful and prosperous. It is that simple.
And, we are here to help you get there. We just can’t do it for you. Why?
Because, we are not a credit repair company, attorneys working on your behalf or offering legal advice of any kind, and we are not mental health professionals or counselors.
We are people, just like you, that have gone through tough times and learned from them. Any one that learns from a defeat is never defeated. Anyone that picks themselves back up and adjusts their course rather than remain in the depths of despair is a WINNER! And so are you! Whether you think you are at this moment or not. Maybe all you need is a little help to realize just how empowered you really are. Help, we can provide. And with our help, YOU will do this for yourself better than anyone!
Are you Mad as Hell and not going to take it any more?
Use My Knowledge to Get the Same Great Credit I Did in a FRACTION of the Time and Beat the Banks at Their Own Game!
Now you can have my knowledge and the knowledge of my expert team to do everything I did in a fraction of the time for a fraction of the cost. The most successful and wealthiest people on the planet know it is specialized knowledge that makes the difference and separates them from the average person. It is what makes them winners.
So, isn’t it time you won for once? Don’t you deserve it? Isn’t it time you used the system that is in place to stop money from being taken out of your pocket? Wouldn’t it be nice for once to have a proven, guaranteed method to work for you and help you put more of your money back into your pocket?
Wouldn’t you like to have the specialized knowledge you normally couldn’t afford to better your life and those you care about?
What if I said you could have all of that? Would you be willing to make just a little effort? Would you spend all of about 10 Minutes learning how to change your life? Would you overcome your fear just once to invest in your future?
YES? Ok, then get this information right now! We have made it so inexpensive that anyone that can afford a movie and popcorn, can afford to change their life!
Fresh Start Credit Scores!
What is Fresh Start Credit Scores and What Do I Get?!
Benefit #1 Exclusive Access to Specialized Knowledge from Experts in Personal Development, Real Estate, Lending, Accounting, Consumer Rights and more, to Empower Your Life Forever!
Benefit #2 An open Forum and Email Support by one of the best experts in the country to personally help you stop harassing collectors, remove incorrect negative marks and raise your credit scores!
Benefit #3 Life Changing Products to Teach, Motivate, Encourage and even provide additional streams of income!
Benefit #4 A special link for the best pricing available anywhere for credit scores with credit reports as well as the link for the only place on the Internet to get a truly FREE credit report.
That alone is worth much more than the purchase price! But, is that all? No! There’s More.
Benefit #5 A special report, “The Top Five Things You Need to Know if You Are Buying or Selling Your Home”. This report alone can save you thousands if you are buying a home, and make you thousands if you are selling a home.
Benefit #6 Sample letters which have been proven to work, that you can use to just copy and paste your information to dispute negative information off your credit reports. All the work has already been done for you. These letters, video presentation and complete instruction manual is worth more than the purchase price ALONE!
Bonus Benefit ! FREE with your Membership at Fresh Start Credit Scores! In addition to Personal Support by Ms “O” and video training to establish NEW credit, you receive:
• Hours of Audio/Video training and educational material, help with credit bureau disputes.
• Expert Information in areas of Taxes, Real Estate, Consumer Affairs and others.
• Sample dispute letters, articles containing information that will save you possibly thousands of dollars and much, much more.
Everything you would want or need to re-
You Won’t Pay a Dime!
If you are not completely satisfied, you won’t pay a dime. Period. I can hear you now. Ok, what’s the catch?
There is no catch. We will share with you all of this valuable, even priceless, information. Ask questions of and talk to Ms “O”. Benefit from her expert knowledge and advice. Listen to all the other experts and even use the Sample Letters. Look at every bit of the hard earned knowledge and expert information. If in the first thirty days, you don’t see value, if it doesn’t help you, if it doesn’t provide EVERYTHING I have promised, you don’t owe ONE PENNY! You will be refunded your subscription payment.
I am so confident that you will love what you see, that you will find so much value and will prosper and benefit so much from this specialized knowledge, that the monthly subscription rate of $29.99 will be a drop in the ocean.
If not, you can still use all the information and knowledge you gain for free. It’s that simple.
Pat, aren’t you concerned people will rip you off?! No, because I believe people are basically good and because I know for a fact we provide invaluable help that is needed for longer than 30 days. If someone takes the information and runs, they are the losers. Not me.
That’s right. Just $29.99 monthly for all of this information that will truly change
your life. Your subscription gives you access to this membership site which you can
repeatedly use to completely re-
This information, these secrets, have changed not only my life but many others as well. They have allowed people to improve their lives when it seemed impossible. They have taken others, who thought they had no reason to have hope, and made it seem like they were being given a book of magic spells that actually work in the real world!
When you put these priceless secrets to work, I’ll guarantee that they will change
the way you see the world. After you learn what we have created for you, you will
have the upper hand in negotiations for financing anything in the future. You will
have re-
Join Now for Just $29.99 Monthly
By the way, have you ever been to a yard sale or your favorite retail store and you saw items on special but decided to wait? Then kicked yourself because you came back and they were either sold out or back to full retail price?
I have been told I was crazy to offer this much at this price. My trusted advisors begged me to double the price of this product because of the valuable information provided! And, I may do that.
But for a limited time only, you can have access to this site with all the life changing information for only $29.99. But you have to act now.
I will not guarantee that this price will stay at $29.99 monthly for any length of time.
I’m giving you fair warning. I’m reserving the right to change my mind on the price and the offer and it could change at any moment.
What’s holding you back? Fear? That’s usually what holds all of us back. And typically, we do let our fears hold us back. But if you listen to that fear now, you will miss out on life changing Specialized Knowledge, with a money back guarantee.
So order now and create a new life and new credit scores! Feel the satisfaction of having made the right decision and from reaping the benefits whenever you need great credit.
Signed,
Pat Hicks
P.S. There is absolutely no reason for you to have to struggle any more with your credit scores. Put our knowledge and experience to work for you in combination with your personal coach, expert advisor and mentor, Ms “O” now! Please, for your sake, don’t be left out.
P.P.S. In order to keep this service personalized for YOU, space is limited.
Claim Your Spot Now Before it is Gone!
Guarantee
If the information presented here is not exactly as I describe, or if you are not getting positive results from Ms “O”, that are completely satisfactory to you, I will refund 100% of the first month’s subscription. No questions asked.
And, in order for you to evaluate and decide for yourself if what I’m saying is true, you have total and complete access to all of the information found here for 30 days at absolutely NO RISK. That’s right. If you are not completely satisfied, you will receive a complete and total refund of your first month’s subscription price.
AN UNCONDITIONAL MONEY BACK GUARANTEE!
You cannot lose. You will have total and complete access to all of this valuable
information and support. The Secrets to Re-
She is the "walking library" about FACTA (Fair and Accurate Consumer Trade Act) and
FCRA (Fair Credit Reporting Act) -
GUILLERMO
Subject: Grateful!
Hi,
I wanted to thank you again for your comprehensive and very knowledgeable answer to my credit questions. It's very empowering to finally feel I can do something about the situation! You were very kind to spend so much time entertaining my questions.
Thanks so much!
Erin
Ms “O” is THE most helpful person I've ever been in contact with in regards to professional advice! She is extremely knowledgeable in every facet of dealing with credit card debt. She has given me more personal attention then I could ever ask for, always being there to hold my hand. I receive a prompt response and more importantly an honest response every time. She explains everything very well so you can understand the issue at hand. She treats you like a friend and is truly there to help you get through the vicious cycle of dealing with creditors. I honestly do not know what I would have done without her!! You can read all of the material you want to help you understand how to deal with your credit card debt, but sometimes you just need that personal touch of someone to say "okay...this is what you need to do". She brings focus to what you are trying to accomplish and makes you feel like you are not alone. Do not hesitate to ask for her help, she is the BEST weapon to have in your artillery to fight credit card debt!! Thank you for being everything I needed you to be...and more!
Sincerely,
Christa S.
Ms “O”, has done so very much in regards to credit help for me. She has shown me how to write letters, provided the formats for these letters to send to all three credit bureaus and how to validate my debt(s).
The information she has provided me for over one in a half years has been invaluable. If not for her guidance, I would be lost and not aware of how to fix my credit issues. She always answers the many, many questions and follow ups to a question. She has devoted so much time I am not sure how she does this, and has been such a blessing to me. I have tools to help me now because of her helping me, pointing me in the right direction, making the information seem easy to understand after she explained it to me. She is outstanding on her knowledge about credit repair and what to do, what to write, how to resolve, validate and address any credit questions. I don't know what I would have done for the last two years without her input, sincerely.
Kymber
I just want to thank you for all you have done for me. Without your help I don’t think I could have survived the collectors and the credit bureaus. You taught me so much, were so patient with us and always made us feel that you were on our side.
Again, thank you. I don’t know what we would have done without you.
Sincerely,
Ruth
Without Ms “O” helping me with my credit issues and how to step by step rectify my credit, my credit worthiness would be zero. Not only has she logically and fairly helped me negotiate debts that I wished to settle, but she has also helped me in the dispute of fraudulent debts that were perpetrated on my credit reporting by zombie debt collectors. My credit score is now in the low 600’s due to her help and prior (one year ago) it had been in the low 300’s.
She has also shown me how to utilize my total credit at hand so I do not fall into the trap of credit hell again!
For those that wish to seek her services, be advised that every penny of advice that she gives you will be legitimate, fair in cost and you will also have a friend for life!
Sincerely,
John