Solve your debt in 5 days or less!

Do not apply for credit during the dispute process, it could 
reverse any results you have attained.  
Do not call the credit bureaus for any reason! Always 
correspond through the mail and make copies of your 
correspondence.  
Do keep copies of everything the bureaus send you. 
Do be patient but do not give up. Millions of people have 
had negative items removed from their credit report!  
Do not threaten the credit bureaus or tell them that you 
will hire an attorney if they don't take the disputed items 
off of your credit report. They know they have to follow the 
law. Threats will get you no where.  
Five Steps To Obtaining A1 Credit 
Now that you understand the basics of what credit is, and 
why it is so important, you are ready to follow our plan to 
get you well on your way toward building a solvent and solid 
credit record. Follow our 5 step process and you will finish 
with 3 bank loans, a Visa and MasterCard credit cards, and 
at least 2 major department store credit cards. But that's 
not actually the end - it's just the beginning! You will 
then be in control of your financial destiny and will be 
better able to make the kinds of purchases embodied on the 
American Dream  
As you follow each step, remember that lenders and retailers 
count on making loans or selling goods on credit. The system 
helps them as much as you. They want to extend credit to 
you. Through this plan, you make them do so gladly and 
legitimately.  
Step One - Obtaining Bank Loans 
Laying the Groundwork 
The first objective after removing negative credit from your 
credit report is to add positives. This can be achieved by 
obtaining three bank loans to serve as credit references for 
future maneuvers. Have you ever noticed that most loan 
applications require three credit references? Follow this 
first step and you will have three impeccable references to 
use for various kinds of credit and loan needs.  
This step requires some up-front capital to get you going. 
The results can be achieved using anywhere from $300 and up, 
although we recommend investing $1,000. Take heart - the 
money will not be spent, but is used as secure backing in a 
savings account until the plan is completed. If you need to 
raise the cash, you can do so through creative means such as 
a temporary, part-time job or a garage sale. You can also 
consider borrowing the money because, again, it will not be 
spent.  
Just be careful not to start off with funds that you may be 
likely to need in the weeks to follow. Withdrawing this 
money before the plan is completed would jeopardize your 
credit and potentially leave you in greater debt.  
LOCATING THE RIGHT LENDERS 
Now you are ready to locate your three lending institutions, 
which can be banks, savings and loans, or credit unions. You 
can use the bank where you currently have your checking or 
savings account, although you will still be opening a new 
savings account. Use your local Yellow Pages to call area 
banks and ask these questions:  
What is the minimum amount they will loan on a passbook 
savings account? 
What is the percent you can borrow? 
For these purposes, you are interested in opening only a 
regular passbook savings account, so don't get more details 
than you need about other types of special account and 
offers.  
Choose a lender that offers high yields and allows you to 
borrow as much as possible against a secured account. We 
will now label the banks you have selected Bank A, Bank B, 
and Bank C.  
DEPOSIT, BORROW, AND PROSPER! 
Go to Bank A and open a savings account worth your $1,000 
(or whatever amount you have allocated). This should be an 
interest-bearing account earning the highest rate you can 
find. Take your passbook home and wait three days.  
Return to Bank A (dressed and poised for success) and ask to 
see a loan officer. Take your passbook worth you, and 
explain to the officer that you wish to take out a loan, for 
which you are willing to place your savings account as 
collateral. This is the easiest type of loan to obtain 
because it is completely secured with cash. Be prepared to 
name a reason for the loan, although it should be granted 
regardless of the purpose because it will be backed by your 
savings account. Make sure you obtain an installment loan, 
amortized over one year with monthly payments required. 
Remember, you are building credit, so a loan that is due all 
in one lump sum at the end of 180 or 365 days will not serve 
your purpose. While a credit check is not always make for 
this type of loan, be prepared to acknowledge any bad marks 
on your credit record and explain that you are trying to 
re-establish your credit. Assure him/her that you will 
faithfully make your loan payments.  
Assume you get a loan for 90% - or $900 - of your savings 
account, with a 6% interest rate. On a $900 loan you would 
pay $29.52, owing the bank a total amount over one year of 
$929.52. Your monthly payments will be $77.46.  
Once this loan is made, Bank A will freeze your $1,000 so 
your loan collateral cannot be withdrawn. However, each time 
you make a payment on your loan, an equal amount (less 
interest) will be unfrozen in your account and available for 
withdrawal.  
Take your loan check for $900 to Bank B and open another 
savings account with this amount. Wait three days, and get 
your second loan - this time for $810 (90% of $900). Your 
monthly payments here will be $69.71. (Again, assuming 6% 
interest)  
Now use your $810 and open an account at Bank C. Wait three 
days, and obtain a 90% loan for $729, with monthly payments 
due of $62.74.  
EXAMPLE 
Bank 	Savings Balance 	Loan Amount 	Payment Amount Total 
Interest Paid  
Bank "A" 	$1,000.00 	$900.00		$77.49 		$29.52
Bank "B" 	$900.00 		$810.00 		$69.71 		$29.57 
Bank "C" 	$810.00 		$729.00 		$62.74 		$23.91 

DON'T PANIC!
By the time you obtain your third loan, about two weeks have 
passed. You now have three bank loans totaling $2,439 and 
$729 in cash (your loan from Bank C). How will you pay these 
loans back? It's easy. Use enough of your $729 to make your 
first payment on your Bank A loan ($77.46). Do the same at 
Bank B and Bank C. You should now have made payments that 
are ahead of their due dates by about one week at Bank A, 
two weeks at Bank B, and three weeks at Bank C. You have