FOR
NEARLY AS LONG as their have been banks, there has been credit.
And as long as there has been credit, there has been bad credit.
Historians
believe banking originated in Ancient Mesopotamia as a way to provide
secure places for the keeping of grain and other commodities. Later,
around the time of the Crusade, the need to transfer sums of money for
trading purposes led to a primitive form of credit in major European
cities like Rome. In fact, the first documented credit contract was
signed in 1156 by two brothers who had borrowed 115 Genoese pounds from
a bank. The agreement? They had to reimburse the bank’s agents in Constantinople
by paying them 460 bezants one month after their arrival.
So
much for your history lesson. If you’re considering purchasing The
Thinker’s Guide to Repairing Your Credit Reports, what happened
850 years ago is probably the least of your worries. You want help now.
This
exclusive e-book will tell you about the Big Three credit reporting
agencies, how they work and the specific steps you can take to obtain,
scrutinize and effectively dispute negative marks on your credit reports.
We
will also discuss ChexSystems, a powerful credit reporting agency that
few people have heard of but whose impact is felt by millions. Are your
considering turning to desperate measures? Check out The Thinker’s opinion
on so-called “credit doctors” that often take your money and do little
in return.
Finally,
we’ll examine the controversial tactics some people have used to obtain
new credit files through a risky process called file segregation — and
why the risks may outweigh the potential gains.
You
don’t have to be among the millions of Americans who can’t get loans
for cars, home mortgages and credit cards. The
power is in your hands. Take advantage of our proven tactics to clean
up your credit reports today!
Fun, easy-to-follow steps toward a cleaner, leaner credit report.
Sample dispute letters you can use to tackle a variety of situations,
from challenging errors to demanding action.
Knowledge you should know before taking on the powerful credit bureaus.
The U.S. government has much to say about your rights, CRAs and the
legality of so-called credit doctors.
What is file segregation? How does it work? And why are so many people
risking fines and even jail time to fix their credit?
Purchase The Thinker's Guide through a secure server and start fixing
those credit problems today!
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The
Thinker’s Guide to Repairing Your Credit Reports has fast become one
of the most popular e-books of its type since it was first published
in 1999. The most recent version, available here, includes the full
text of the Fair Credit Reporting Act for your protection and convenience.