"Local Mom Easily Boosts Credit Score
-----Over 50 Points In 90 Days-----
Gets Low-Interest Auto-Loan
And Buys New Car…

According to statistics from The Society for Human Resource Management, 43% of all employers check credit histories of new applicants.

And these numbers are only getting larger…

Because a credit check lets many employers “get-around” many hiring laws.

You see… There are many questions the employer is not allowed to ask during the hiring process.

But one look at your credit report is all they need.

The results are almost always unfair…

Picture this…

An employer wants to hire somebody. Because of the bad economy there are dozens of people desperately waiting in line. They narrow it down to two equally qualified people. And then they look at their credit files. One person has a spotless credit record. While your credit record is in the pits. Who do you think is going to get that job?

The other guy, obviously.

It’s cruel and unfair. In fact new laws are in the making, to help prevent this.

But until then (if that day ever does actually come.)

If you have a bad score – your chances for employment drop like a rock.

Like I said earlier…

Because of a new change made by Congress – There is now an easy way boost your credit score.

But before we go into that…

There’s something you need to know…

Yes you read that right…

-The credit score that every lender depends on to determine whether you’re “trustworthy”…

-The credit score that can make or break your next loan…

-The credit score that makes your life a living hell…

Is probably false…

That’s right. The Official Statistics (according to the Public Interest Research Groups) show that 79%(some studies say 80%) of all credit reports contain damaging and false information.

That means only 1 out of 5 people have a credit report that is actually true…

And unless you’re one lucky son of a gun – that one person… Isn’t you…

 

It’s kind of hard to believe.

That your credit score.
One of the most important factors in your financial life. Could be false.

After all the credit-industry is a multi-billion dollar industry. In fact U.S. consumer revolving debt (mostly credit card debt) — reached $962 billion in 2008.

You would think that being a multi-billion dollar industry – They would be on top of everything.

But sadly this isn’t true.

Not even close…

You see, these companies are so massive – They cannot even dream to keep accurate data.
In fact, they process, move, and store over 4.5 billion pieces of data each month.

That’s 173,611 pieces of data every second.

Here’s just a small glance, into the ways credit agencies can put somebody else’s negative item, onto your credit score. (Not to mention that you may have credit accounts that would raise your credit score. But they are on somebody else’s account. Boosting theirs instead.)

-How many people in The United States have the same name as you?
Or live at an address similar to yours? Compare Boardwalk St. versus  Boardwalk Dr.

-Maybe somebody has the same name as you. And they got their house foreclosed, and it accidentally lands on your credit file.

-You submit your information and the desk-man misreads it.

-Or someone types in your information wrong.

See how easy it is to make a mistake?

But here’s another way information gets distorted.

Credit companies package and sell debt all the time.

So picture this very common scenario.

Your bank wants to sell your debt to some other agency. But they don’t just want to sell your debt individually. So they package it with millions of other people. (By the way, because of the economic collapse in 2008. This scenario of packaging and selling debt is very common. Especially with mortgages.)

So one company packages a bunch of information and sends it to another agency. Once they have the information, they have almost no way to double check everything to make sure it is right.

And crucial data is lost in the transaction.

Now before you get pissed off, consider this…

Even if they wanted to have accurate information… They simply do not have the time, will, or manpower to double check all that data– and eliminate any mistakes.

Horrible mistakes like…

- False late payments (that were actually on time).

- Accounts that do not belong to you. 

- Records of no payment (when you paid in full)

- Inaccurate account balances (making it look like you have more debt than you actually do)

- Foreclosures that never happened.

- Bankruptcies that never happened.

- Repossessions that never happened.

Frankly, I think it is an outrage. And credit reporting agencies do nothing to stop it.

And why should they?

Whether your information is accurate or not… It makes no difference to them.

They get to sell your information (at a ridiculous profit) all the same.

It doesn’t matter if it makes your life a financial nightmare…

Because they still get paid.

But this is actually good news…

Why?

Because it leads to…

 

 In 2008 Congress made a change to the “Fair Credit Reporting Act”.

This change (along with a lot of other things) says…

You have the right to dispute any information on your credit report.

And the credit company has 30 days to verify the information.

And if they can’t –they must delete it.

 

That means you can contact the credit reporting agency and ask them to remove any item you wish.

And if they cannot verify it. By law it must be removed or corrected. Around 30 days.

This works on anything from late payments to bankruptcies and foreclosures.

Because of this law – credit reporting agencies have found countless loopholes. Plus a legion of lawyers on their side – to fight you at every single step.

And if you don’t know the rules of engagement– you’ll get eaten alive.

For example do you know the right format for your letters?

Or how your dispute letters should be written for each type of negative item?

That’s just one reason why expensive credit repair specialists (who know all the steps and strategies.) Can charge and arm and a leg for their expertise.

And people gladly pay it. Because bad credit is much more expensive than almost any fee.

How much money would you save if you had a higher credit score?

Consider this…

Just a small boost in credit  can decrease the interest rate on your next loan by 2%. That alone could be worth thousands of dollars.

Not to mention you’d also shrink your…

-Monthly Bills

-Car Payments

-Your Next Security Deposit

- Your Mortgage

That’s why people spend so much money on expensive agencies to repair their credit. That’s why specialists make the big money.

If paying a specialist $500 saves you thousands of dollars. Then you come out way ahead.

But here’s a solution that is even better…

I have a quick and easy solution to all your credit problems.

It is the most powerful credit boosting tool I have ever seen (And I’ve been doing this for over 25 years)…

And it doesn’t require expensive specialists, a lot of money, or any special skills.

And it is incredibly easy to use.

It does all of the complicated hard work for you. And shows you exactly what to do, step-by-step.

-It gathers all of your credit information for you…

-It automatically finds all negative items on your credit score.

-It will create the exact type of official dispute letter you need to eliminate any negative item.

-Shows you the quickest way to boost your credit score.

-Shows you the fastest and easiest way to get rid of any debt.

-Shows you exactly what to do every step of the way. So you can’t possibly mess up.

Not only that… But you will be in full control.

And you’ll never have to worry about what some specialist is doing behind the scenes with your money.
Or worse, your information. 

You get to pick the best plan for you. And go at your own pace.

When you order the On Point Credit Repair Software –You get…

This is one of the most powerful parts of the software.

It destroys negative items on your credit report. And is worth at least $300, by itself.

The Dispute Center makes removing negative items easy. You can do everything with the push of a few buttons.

Here’s How It Works…

You simply fill in your information.
Then you follow the step-by-step instructions. And the Dispute Center will grab your credit reports…
(The software has tutorial videos that will show you exactly what to do. Every step of the way.)

 

Then the software will go through all of your credit reports and pull out the negative information.After that, you just click a few buttons. And the software goes to work for you.

 

It creates official (and custom-personalized) dispute letters, that are specifically for you. All you need to do is print them and send them away. (There’s a button for that too.)

Then you just sit back and wait for your credit score to jump.

 

Not only that, the software creates letters for every different agency at the same time. Saving you hours of trouble.

Plus it tracks everything for you. And displays it in an easy to understand way.

In other words, it becomes like  your credit boosting command center.

 

These letters were designed by credit repair professionals.

If you were to pay a specialist to do this for you. You’d be out hundreds of dollars (at least).

With The Dispute Center You Get…

-Push Button Easy, Professional and Customized Dispute Letters. At Instant Speed.

-Dispute Dashboard – So You Can Dispute All Of Your Negative Items At The Same Time.

(Saving You Hours Of Trouble.)

-Negative Items Wiped Off Your Record.

 

 

 

The Credit Card Analyzer was specifically made to reduce your debt ratio. Your debt ratio is 30% of your credit score.

Here’s How Your Debt Ratio Works…

Credit Bureaus look at how much debt you have, compared to how much debt you’re allowed to have…

This opens a backdoor for you to directly change your credit score.
Just a small increase in this one area, can have a huge impact on your credit score.

 

And The Credit Card Analyzer Shows You Exactly How To Do It…

The Credit Card Analyzer displays all of your credit information.
And then shows you exactly how much you need to pay on each card, to boost your credit score fast.

 

Because The Credit Card Analyzer shows all of your accounts. And which ones are okay, and which ones are in the danger zone.
(Plus it shows you the fastest and cheapest way to fix it. So you know the fastest way to boost your score.)

Not only will On Point Credit Repair Software raise your credit score insanely fast. But it is jammed packed with easy to use financial tools. That will get you out of debt fast, and put you in the driver’s seat of your financial future.

The Amortization Center is like having a financial expert in your back pocket.

Here’s What It Can Do For You…

You’ll Get To See…

-How Long It Will Really Take You To Pay Off Any Loan (A Must Have Before You Sign The Dotted Line On Any Financial Agreement)

-How Much Money You’ll Pay In Interest

-How Much Money You’ll Spend Overall.

-How To Pay Off Your Debt, By Paying Less…

But that’s not all. What makes The Amortization Center so powerful is this…

Have you ever wondered what would happen if you paid an extra $50-$100 dollars on your car payment every month?

Obviously you’d pay it off sooner, and spend less overall
But unless you’re a math genius it’s hard to calculate exactly how much money you’ll save. And exactly when you’ll pay off the loan.

The Amortization Center does all of this for you.

You just put in your loan information, and it will show you exactly how much money you’ll spend overall. And how long it will really take to pay off the loan.

 You can even adjust your payments however you’d like.  For example if you wanted to see what would happen, if you pay an extra $50 this month. And an extra $100 next month.
All you do is type it into the software and it will show you exactly what will happen.

Imagine having that kind of control over your financial future.

No more nasty surprises come bill time. Because you’ll know exactly what’s going to happen, before it does.
Which normally only finance professionals can pull off.

I’ve been in the credit repair business for over 25 years. And I’ve never seen anything do what the Amortization Center can.
The only way you can have this kind of precision is to sit down with a finance professional and go over every possible outcome.
That would take hours and cost a fortune.

But now you can do everything inexpensively from your own home. It’s easy to use and the Amortization Center calculates everything for you.

Do you know how much of your income should go towards…

Housing?

Insurance?

Living Expenses (like food, gas, cable)

Financial experts do. And they know the secrets to debt free living.

Now if you’re like me. Calculating a budget is not your idea of a good time.

It requires math skills, and a lot of work.

So that’s why we included a budget center in the On Point Credit Repair Software.

The Budget Center shows you exactly how much of your money should go where.
You just fill in your information. And the Budget Center does all the math work for you.

 

 

Also included is the Template Manager.

So now you can manage and create unlimited dispute letters.

Because the Template Manager lets you take our professional dispute letters.
And quickly (and easily) customize and store them for all your needs.

So you can restore your credit faster than ever.

I dare you to walk into the office of a credit repair agency. And try to convince them to create custom made dispute letters, perfectly suited to your needs, for free.

Because it ain’t going to happen.

But you get all of this and more. When you order right now.

Say goodbye to late fees forever.

Because the Personal Agenda makes it almost impossible to miss your payments.

This custom calendar is perfectly suited for any financial need.
It lets you schedule payment strategies. Days, weeks, even months ahead of time.

Because with the Personal Agenda everything is laid out right in front of you.

That way there are no more nasty surprises, or unexpected late fees.

This feature goes perfectly with the Amortization Center.

Because it allows you to implement perfectly crafted payment strategies.

Just use the Amortization Center to discover the best payment strategy.
Then use the Personal Agenda to flawlessly execute it.

It’s a One-Two-Punch that will get you out of debt fast. And boost your credit score quickly.

 

The Knowledge Center does two things.

First it contains valuable credit tips and tricks.

Revealing… 

- A dirty trick credit card companies use to “legally” steal millions of dollars from their customers. (Most people are totally blindsided by this… But you won’t be.)

-The Due Date Scheme – This is how credit card companies  slam you with late fees, even if you pay by the due date. (But you’ll discover a neat little trick. So you never fall for their nonsense.)

-Credit Card Information You Must Know Before You Travel…

But that’s not all…

Because in addition to being a vast library of credit card information.
You can even put in your own techniques.

For example… If you see an article you want to save. Or find a cool credit boosting trick. (Like the “credit card snowball technique” found in the Credit Card Analyzer”).
You can easily save it forever, just add it to the database in the Knowledge Center. And you’ll have everything you need to boost your credit score, all in one place.
 

If you were to get these separately, you’d have to pay at least $500. And it would be worth it.

But On Point Credit Repair will only cost you a fraction of that amount. And is a killer deal.

The On Point Credit Repair Software is the best credit solution on the market.

And I’m positive that you will see a significant increase in your credit score, fast.

But don’t just take my word for it.

Hear what others have to say…

 

Imagine if banks were happy to give you low interest loans.

Keep in mind that just a 1% change in your interest rate can be worth thousands of dollars.

How much would you pay for that?

What if you could drive your next car within 60 days, instead of 7 years from now. And without saving up for a huge down payment.

How much would that be worth to you?

How much money would you pay for a low-interest mortgage.

That puts you and your family into a nicer home.

Think about how much money you are losing right now.

Money you are throwing out the window because of your bad credit score.

It’s possible that by increasing your credit score just a few points.

You can slash many monthly payments by 10%.

All you need is a higher credit score.

And that’s exactly what On Point Credit Repair Software was made to do.

It was specifically created to make credit repair a breeze.

It shouldn’t surprise you to discover that insurance companies also use your credit score to help determine your premiums.

So the better your credit score – the less money you spend every month on insurance payments.

Lowering your insurance payments every month, could be worth thousands of dollars to you.

And you’re about to discover a way to quickly shoot your credit score up. Without paying anything near that amount.

 

Bad credit is expensive in many ways…

-Outrageous interest rates…

-High monthly payments…

-Watching rent money go out the window every month. All that money… Going towards a house you’ll never own.

-Costly auto repairs (because you can’t get a loan for the new car you need…)

-Large security deposits…

Not only is having bad credit extremely expensive.

It is also frustrating and embarrassing.

To have somebody tell you “No.” every time you try to take the next step in life.

Wouldn’t it be nice to hear “Yes.” For a change?

And to apply for a loan without some stranger seeing your embarrassing financial mistakes from years ago?

 

Here’s another thing you probably didn’t know…

You know those interest rates you have to pay for every month?

Well…

They’re higher if you have bad credit. Much higher.

Here’s an example…(I’m going to do some math. But it will all make sense in the end. So stay with me)

Let’s say you apply for a $15,000 car loan.  And your credit score is 620 – the average interest rate would be 11.25% .

That means you would pay about $3,634 in interest.

But now let’s say you apply for that same $15,000 car loan. But this time your credit score is 619, only one point lower.

The average interest rate for 619, even though it is only 1 point lower than 620 is 14.83%.

That means this time you are paying $5,719, not $3,634.

You pay $2083 more. Over a single point.

But now let’s look at something even more serious…

This time… Instead of an auto-loan. You are applying for a $100,000 mortgage.

Now let’s say your credit score is 640.

A score of 640 means (on average) your interest rate is 6.90%.

But if your credit score is just one point lower. At 639 your interest rate becomes. 7.355%.

The difference between 6.908% and 7.355% is $10,933.

That’s an extra $10,933 out of your pocket, because of 1 lousy point.

Here’s how this works on a smaller scale.

Your credit score helps determine what kind of interest rates you get. The better your score the better your interest rate. Better credit, means less money you spend on bills.

Now here’s something you probably didn’t know…

Instead of paying those high interest rates every month. You can easily shrink those payments before you pay another dime.

All you need to do is…
Call and ask.

Here’s the catch…

The better your credit score – the better chance they’ll lower your monthly payments.
And the lower the payments will become.

But if you have a bad credit score – Again no luck for you.
And you are stuck struggling with high monthly payments.

But with On Point Credit Repair Software, you can easily boost your credit score. And shrink these monthly payments.