From: The Desk Of Allen Lacey

Dear Friend,

f you're ready to enjoy the benefits good credit has to offer such as home ownership, new cars, vacations, and less hassles in general, this will be one of the most exciting web pages you will ever read!

One: I'm not going to promise you that you can have perfect credit in 25 days or less. That's total hype and frankly it's impossible to do if you have credit problems.

Two: Over 10,000 people have purchased my book, The Complete Guide To Credit Repair, and successfully used it to repair their credit reports. Listen, people don't pay for products that do not work.

Think about it. You better have honest, viable, hard-hitting information, or you're going to have and mega refunds in a flash.

Three: I have had a business life outside selling you products on the Internet. I've personally helped hundreds of people restore their credit and go on to buy homes, new cars and other of life's necessities.

I recently helped a gentleman and his wife rebuild their credit even after filing a chapter 7 bankruptcy.

How many of these credit repair gurus selling "How to repair your credit information" have even one client in the real world?

The majority of people who sell information on the Internet never do anything with it in the "real" world. Plain and simple, they bought my course and everyone else's and then rewrote it.

Four: By the way, I don't hide behind email or voice mail either. My office number is (661) 533-1963. You can call my office at anytime.

"Fantastic, absolutely amazing!  Allen, using your credit repair CD I have removed 90% of the derogatory accounts from my credit reports (Trans Union, Equifax and Experian) The results speak for themselves ... my home loan closed Friday and we're moving in to our new home tomorrow!  Plus I'm getting credit card offers in the mail almost every day.  Oh, and by the way, my FICO score is now 698... as you may recall it was 437 when I got your CD." A Beckwith, Ontario, CA

Now, for the personal information. My name is Allen Lacey. I'm 44 years old. I live and work in Los Angeles, CA. I've got a B.S. degree in finance. I've worked in the credit and collection industry for over 20 years and...... I used to have bad credit! In fact, so did my wife! Incidentally hers was worse than mine.

Now, when I say bad, I mean really bad. Horrific would be a better description. My credit report literally contained 9 pages of derogatory credit. Several charged off credit card accounts, defaulted student loans, an auto repossession, telephone bills and other utilities were all part of my credit report. You name it, if it was bad it was on my credit report. 

Here's How My Credit Problems Got Started...

Immediately after I graduated from college, I started receiving credit card offers in the mail almost everyday. All pre-approved no less. So, I applied for nearly everyone of them -- and one by one the credit cards arrived. I'd also taken out student loans as previously mentioned. Then, due to some careless mistakes on my part, I started getting behind on my payments.

Sometimes I just forgot to make the payments. Other times I just didn't have the cash. Credit problems have a way of growing silently, swiftly and incredibly. Before long, I had bad credit.

The BIG problem with credit is that no one teaches you about it. Credit management is not taught in high school. You can't register for credit 101 in college because the class does not exist. Oh sure, your parents will tell you that you need to pay your bills on time, but who listens to their parents!

I'd definitely made some mistakes and they were starting to affect my life big time. When I attempted to buy a new car, I was referred to the buy here pay here car lot across the street!

Whereas I once could get any credit card I wanted, now when I applied, the rejection letters seemed to arrive before I could mail the applications! Are you still with me? Sound familiar?

Although I was earning a decent salary, with bad credit, the doors tomopportunity were constantly being slammed in my face. Can you relate?

I'd Heard About A Confidential

Credit Program...

being taught by a few west coast attorneys, that explains how to create a "New Credit File." I located an attorney who was familiar with the procedure, but he wanted $2,000 upfront, just to create the new credit file!

Still intrigued, I searched everywhere until I found a report that revealed how to create a new credit file. I even paid $199.00 for it. The idea was fascinating but according to the Federal Trade Commission (FTC), I learned it was illegal too.

I thought "No need to create more problems", so I filed the report safely away and kept looking for the real solution. Incidentally, I do include a free copy of "How To Create A New Credit File" for you review, when you order The Complete Guide To Credit Repair. I do not condone the practice, but any discussion about credit repair would be incomplete without mention of this controversial subject matter.

Next, I talked to a credit repair specialist who assured me he could help, but he wanted $1,000 upfront and $100 per account he removed from my credit report -- which was obviously out of the question. It seemed no one could help.

Then Everything Changed...

Luckily for me, employers did not do credit checks back in the 80's and 90's. If they had, I would have never got a job, let alone employed in the credit industry.

Because while my credit reports were getting worse by the minute, ironically I got a job working in a large collection department. But this was no ordinary job. I was employed by one of the largest automotive finance companies in the U.S.

It was here as a collection supervisor that I finally learned everything about credit repair. In fact, my major responsibility was handling credit report disputes. Talk about being in the right place at the right time!

So everyday dozens of credit repair letters came across my desk to be reviewed and.... I photo copied all of them! That was part of my job. Review and make copies of the letters. Soon I had literally thousands of these credit dispute letters. Most were poorly written and absolutely ridiculous. Letters like these had no chance for success.

But The Letters Written By Credit Repair Attorneys Always Removed Bad Credit!

Some, however were written by credit repair attorneys and others who were obviously experts at credit repair.

The letters written by the attorneys fascinated me the most. Why? Because their letters were so effective -- removing bad credit a remarkable 95 to 99% of the time. The attorneys new precisely how to structure their letters to get results. There was no arguing with their logic -- it was bulletproof.

However, it wasn't the fact that attorneys wrote the letters. It was the words used by the attorneys that got the results. The words cleaned the credit reports of their damaging remarks. Anyone using these same letters would get the same end result...good credit!

I contacted a friend from college who'd become an attorney. I told her about the letters and she agreed to take a close look at them for me. Late one evening six weeks later I received a call from my friend. She advised me that every letter was in absolute compliance with the Fair Credit Reporting Act and other applicable credit laws. Everything was legit.

The Fair Credit Reporting Act (a federal law) states that you have the right to dispute anything that you feel is not absolutely 100% accurate and get it removed!  If any information found in your credit report is not absolutely 100% accurate and verifiable, the law states it must be deleted within 30 days of your dispute.

I then confided in her that I had credit problems and had considered using the letters myself. She calmly said "Go ahead. It could only help your situation. You do not need to be an attorney to use them. Anyone can."

So I Started Using The Attorney Credit Repair Letters To 'Clean Up' My Own Credit

I was already in so much misery from dealing with bad credit, so that's all I needed to hear. I immediately began using the attorney credit repair letters to clean up my credit reports.

I had a letter for every credit situation you can imagine. Repos, charge offs, slow pays, 90 day lates, judgments, bankruptcy, liens. You name it, I had a letter for  it.... and the letters worked like magic.

It was amazing. One by one, the negative accounts on my credit report started to vanish. Each month I removed a few things here and there, from all 3 credit reports (Experian, Equifax and Trans Union). My credit reports improved dramatically and in a very short period of time.

I admit some accounts were more stubborn than others, but they disappeared too! Plus I noticed that when I wrote my letters by hand they were more effective than when I typed them.

In addition to the credit repair letters, I also collected several debt negotiation letters. I used these letters to settle several of my accounts for ridiculously low amounts.

I wrote to my creditors and stated "I'll pay you 10 cents on the dollar if you agree to delete the account from my credit reports forever."... more than half of them actually did! It was incredible.

In the end it only took five months to restore my credit. And get this: In just the first 30 days I erased a total of 5 negative accounts... which incidentally added a ton of points to my FICO score.

Plus remember, I had 9 pages of the worst credit imaginable. Even so, the results were impressive and this gave me confidence that I could really take control of my situation.

And Here's The Best Part...

Now, you can have the identical letters that I use, to restore your credit reports! Recently, I compiled all the attorney credit repair letters I'd gathered over the years into a new credit repair guide titled The Complete Guide To Credit Repair. In my new ebook you will find the solution to all of your credit problems.

With The Complete Guide To Credit Repair you do not need to hire a credit repair company or an attorney to fix your credit. If you can fill in the blanks and seal an envelope you can do it yourself. With my book even a 12 year old could do this!

The Complete Guide To Credit Repair contains the most effective information available to challenge any negative information on your reports -- and get the information removed fast! The guide is proven effective at removing the following derogatory credit items:

• Bankruptcy - Both Chapter 7 and Chapter 11

• Charge offs

• Judgments

• Liens

• 30, 60, and 90 day lates

• Student Loans

• Collection Accounts

• Medical Collection Accounts

• Foreclosures

Why Live With The Headaches Of
Bad Credit When You Can Improve
Your Credit Today!

Did you know that the credit bureaus are making a phenomenal amount of money selling your credit information. The Fair Credit Reporting Act ( a federal law) states that you have the right to dispute anything that you feel is not absolutely 100% accurate and get it removed! 

Also, by law the credit bureaus must comply with your requests... and they must delete everything that you successfully dispute! Now you can take control of your credit and determine what it's going to say about you! You don't have to pay for your past any longer. You too can have good credit.

All that's required is 15 minutes each month mailing my unique credit repair letters to the credit bureaus. Approximately 35 days later you'll receive a copy of your credit report showing you the accounts that were deleted. I guarantee you'll be amazed with your results. You can even build perfect credit, if that's your goal.

Plus You'll Save Thousands Of Dollars By

Repairing Your Credit Report Yourself

FACT: Attorneys and professional credit repair consultants will charge you $1,000 or more to repair your credit. Now you can save the thousands of dollars these professionals charge and quickly begin improving your credit. It's easy when you know how, and a real bargain at only $31.97!

Here's Just A Few Of The Benefits

Of Having Good Credit

• Home Ownership

• New Cars

• Lower Interest Rates

• Nicer Apartments

• New Clothes

Here's What People Are Saying About

The Complete Guide To Credit Repair

"The Complete Guide To Credit Repair is a powerful and effective yet amazingly simple to program to use that systematically removes bad credit. The Complete Guide To Credit Repair will coach you step by step on the way to creating good credit. I highly recommend that you follow his credit repair blueprint to restore your credit." Scott Watson Loan Officer Trimax Mortgage Corp

 

"I've worked with Allen over the last 10 years and I can personally attest to his hard work at helping good people repair bad credit! Allen and his company are personally responsible for thousands of people obtaining home loans and other forms of credit. The Complete Guide To Credit Repair contains everything you need to restore your credit. Take action and get started today for a brighter tomorrow. Kenneth Oldham Loan Officer Keystone Mortgage

 

Allen - After obtaining a copy of The Complete Guide To Credit Repair, I was simply AMAZED by all the ways on how to repair bad credit you book contains! I'd tried all the self-help credit repair books on the web with very little success, but as a result of using The Complete Guide To Credit Repair my credit score is now at a point where I qualify to purchase a home. Thank you, Mike C., WV

 

"Delete 7 charge-offs and 3 medical collection accounts" Allen "I used the letters in The Complete Guide To Credit Repair to force the credit bureaus to delete 7 charge-offs and 3 medical collection accounts in my first round of disputes. Tim M., CA

 

"Removed 7 collection accounts, 3 judgment, and 6 charge-offs" Hi Allen, “I used work in automotive manufacturing but I was laid off from work. My credit was already going south but after the layoff it took a hard nose-dive. By the time I found another job my credit was shot and I needed good credit so recently I bought The Complete Guide To Credit Repair. So far I have removed 7 collection accounts, 3 judgment, and 6 charge-offs in just the past 60 days. I recommend The Complete Guide To Credit Repair to anyone who has bad credit. Eric M., IN

 

"...Removed 8 Charge-Offs In 2 Months!" "I started having credit problems after my divorce, especially with credit card debt. But I used the "prove Or Remove It" letter in The Complete Guide To Credit Repair and removed 8 charged-off credit card accounts in 2 months. I plan on buying a condo in the near future and I'll be able to because I got a copy of your book. Chelsea H., OH

 

"Raised fico score over 200 points! " "I've raised my fico score over 200 points after using The Complete Guide To Credit Repair. Now I'm getting unsecured credit card offers in the mail. I actually applied for and got an American Express charge card. Thanks for helping me get this handled!     Paul J. Massachusetts

 

"...$50,000 Worth Of Unsecured Credit Cards To My Name..." "After using the information in The Complete Guide To Credit Repair I now have an unsecured credit line of $50,000. It's a great feeling to know that I have the security of good credit Edward R., MI

It Doesn't Matter If You Were...

out of work, couldn't make a car payment on time, or were late on some bills that's okay, because now you have the power to turn your credit history around. 

If you were evicted from your apartment, the bank foreclosed on your house, or even if you had to file bankruptcy. The Complete Guide To Credit Repair can help you remove these headaches once and for all.

No matter what your situation may be, with the information in The Complete Guide To Credit Repair, you can improve your credit rating and start having the homes, cars and other things in life you want and deserve. You will never be a victim of bad credit again. 

MOST IMPORTANT SECTION of this entire website!!! What makes The Complete Guide To Credit Repair different from all the other credit repair books on the web? Why is information in The Complete Guide To Credit Repair unique? Here's a fact for you: Over 90% of the credit repair information being sold on the internet comes from people who are just selling information. That's all! They have no clue about credit repair. Most of these people have never seen a credit report nor removed bad credit from one. "I Practice What I Preach!" On the other hand, I have lived and breathed the credit and collection industry for over 23 years! Some of you folks were probably children when I got started!  I've given credit repair seminars before dozens of live audiences. I've looked at literally thousands of bad credit reports and my guide holds the exact letters that repaired them. I've had horrible credit too! Probably worse than yours. Even so, I restored my own credit to AAA status. With my proven information you can fix your credit reports just as I did. Believe me, I know intimately how damaging bad credit can be, and I sincerely want to help you. Next, I Want To Help You Prepare For Your New Future, Once You've Used The Complete Guide To Credit Repair And Eliminated Bad Credit From Your Life! Out of the hundreds of people I've talked to with credit problems, almost everyone had one thing in common. They needed good credit in order to make a major purchase at some point in the future. Most people were looking to buy their first home or a new car. With this in mind, I want to help you prepare for your future. To do this, I'm adding at no extra cost, the following publications, if you order before midnight, Sunday, July 27, 2008. Free Guide # 1. The Dealer's Secret. Valued at $39.99 this 100 plus page e-book is jam packed with ideas, secrets, and strategies to help you get the best deal on your next car. Whether you are buying or leasing, this informative guide will save you thousands of dollars in hidden fees and interest. Learn how to beat the car dealer at his own game! Due to the size of the e-book, it's included only on the CD you receive when you order The Complete Guide To Credit Repair. Free Guide # 2. How To Buy Your First Home With No Money Down. Valued at $59.99 this guide contains "Real Life" examples for the no money down techniques make them easy to understand.  You don't need to be a real estate expert, just read, understand and apply, and you're on your way to owning your first home with no money down. This highly informative guide will walk you through the entire process. Free Bonus Report #1. e-Credit Solutions. Valued at $39.99 this information rich report features current extensively researched data that discloses where to find the best credit cards, special business loans and other financial opportunities. My company tracks banks and financial institutions to bring you the best deals in credit cards, and provide you with a listing of these exclusive sources. Free Bonus Report #2. How To Create A New Credit File. The concept, created by a group of west coast attorneys explains in detail how to create a new credit file. Highly controversial, this report is yours free when you order The Complete Guide To Credit Repair. Available on CD only.   Free Bonus Report #3. Choosing A Bank That's Right For You. The right banking relationship is critical to your current and future financial success. This fact-filled report details what you should look for, before you give any bank your business. Free Bonus Report #4. 21 Steps To Outstanding Home Business Success. Over fifty million home-based businesses will be in operation by 2008,according to Link Resource's National Work-at Home Survey. All around the country, people who want more control over their lives are starting home businesses. Get the fundamentals to starting your own business from home. Due to the size of the e-book, it's included only on the CD you receive when you order The Complete Guide To Credit Repair. The total value of my offer including The Dealer's Secret, How To Buy Your First Home With No Money Down and the 3 bonus reports: $159.97

Try The Complete Guide To Credit

Repair Risk Free For ! Year

I'm giving you an unconditional, no hassle, 1 year money back guarantee! If At the end of 12 months of using The Complete Guide To Credit Repair you're not 100% satisfied with your credit rating I'll gladly refund your money.

You must be convinced that The Complete Guide To Credit Repair will show you how to repair your credit, save you thousands of dollars in interest and give you everything in life that can be yours with a good credit rating, or you pay nothing.

Use the information for 1 full year. See how easy it is to clean up your credit. If you are not convinced that this guide is everything I say it is and more, simply call my office and I guarantee you a no-hassle refund.

This powerful guarantee is not to impress you, but to impress upon you just how confident I am about the information you'll receive.

Three Ways To Place Your Risk Free Order

1. The fastest and best way to order is directly online with our SECURE SERVER. We accept both checks and credit cards online. Once your order is processed online, you will receive a user ID and password so you can download the information to your computer immediately.

The user ID and password will give you access to download The Complete Guide To Credit Repair e-book and the free products, included with this offer. Within 24 hours a CD containing The Complete Guide To Credit Repair and the free reports will be mailed to you by Regular Mail.

2. You can use your credit card and order by phone. When you order through the order line, you can still download the e-books, however it may take up to 24 hours for you to receive access to the information, not the same day like ordering through the secure server.

You will still receive The Complete Guide To Credit Repair and the free products on CD. They will be sent to you by Regular Mail. You can call anytime, 24 hours a day, seven days a week. The number to call is 1-661-285-2216.

3. Click here to print out an order form to mail or fax your order. Simply print this order form out and send it along with your payment of $31.97. We will mail the software to you on CD.

It's time to get your credit problems handled. Well isn't it!? Place your order today!

Sincerely,

 

 

 

 

P.S. I look forward to getting a letter from you, telling me about your credit repair success and how you are now enjoying the benefits of good credit. Even though I receive an enormous amount of mail, please write or e-mail me. I’d love to hear your success story! 

 

P.P.S. Act today! Order the guide right now! You don't have to put up with bad credit any longer. The sooner you order the sooner you can start enjoying all the benefits of good credit.

P.P.S. Go to my secure order page and place your order. With my risk free guarantee you have nothing to lose and everything to gain, plus you can get the information the same day you order!

Credit Repair Home Page | Credit Repair FAQ | Credit Repair Testimonials

Table Of Contents | Proof Credit Repair Works

Online Order Form | Mail/Fax Order Form

 

No part of this publication may be reproduced in any form or

by any means, electronic, mechanical, photocopying, recording or otherwise,

without the prior written permission of the publisher.

(c) Copyright 2008 by NJRI Business Systems
All Rights Reserved       661.533.1963