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operate in our DEMOCRACY, in a country where we've been 
brought up to believe that a person is innocent until proven 
guilty. Why aren't we extended some courtesy by the credit 
bureaus? Why don't they give us a chance to defend ourselves 
before placing negative information on our credit files?  
Good questions, aren't they? You may not like the answer 
though... THEY DON'T HAVE TO! The credit bureaus are private 
companies and corporations. They are in business to make a 
profit. And that profit comes from one place and one place 
only: YOUR CREDITORS.  
Your creditors pay to see your credit file information and 
believe it to be true and correct. They also reciprocate by 
exchanging your credit information with the credit bureaus. 
So... your creditors pay the credit bureaus and the credit 
bureaus are in business to make a profit. Where do you fit 
in? You don't.  
Unfortunately you are just another number in the vast data 
bank of numbers. Your credit report and the information it 
contains are not important or of any consequence to anyone 
but you. That's why you are the only one that can do 
anything about it.  
Well my friend, that's why I put this information together 
and developed this unique program. I have seen too many 
people destroyed by the credit reporting system. I have 
watched helplessly by the wayside as their credit files were 
corrupted and their self dignity was destroyed in the 
process.  
So many people with poor credit have done their best to make 
timely payments but couldn't because of a personal problem 
or another. Should they pay for this both financially and 
emotionally for the next seven to ten years? I don't believe 
so. I believe everyone deserves a second chance. I believe 
that you deserve a second chance, no matter what the 
previous circumstances were. Put those problems behind you 
now. It's time to move on and re-establish a good credit 
file.  
YOU CAN remove past negative information it will take time 
and tenacity. The process is simple but it's not easy. It 
will take some work on your part, but if you're serious 
about getting a second chance, you won't mind.  
Congratulations! You are about to take the final steps 
necessary to begin a brand new life with good credit! Study 
the material, use the information and get a new start!  
A Few Comments On Credit Repair Companies
Over the past fifteen years or so, many "Credit Repair 
Companies" or "Credit Clinics" have opened up across the 
nation. Their main purpose is to help the individual remove 
incorrect and negative items from their credit report. 
Unfortunately, some of these outfits are scams from the word 
"GO" and have given the whole industry a bad name. They take 
the consumer's money and then tell them it will take month s 
to get results, then disappear without a trace. With the 
information we have provided you with here, you have no need 
to take that chance. If, however, you decide to hire one of 
these companies, check them out!  
First, if the sales person or company uses the word 
"Guarantee" or "Delete", Run and don't look back! There is 
no way to "Guarantee" that ANYTHING will be removed from the 
credit report! Think about it for a minute. Unless he or she 
is going to "hack" into the credit bureau's computer, how 
can he guarantee anything? The Clinic is NOT the one that 
"deletes" the information!  
Ask to see their license, get a copy of it, and then contact 
your State's Secretary of State to make sure that the 
company has obtained and maintained the necessary license 
and/or bond. In the State of Nebraska all companies, 
organizations, or individuals that provide credit services 
MUST (with NO exceptions) obtain a "Credit Services 
Organization License". If they charge a fee BEFORE they 
provide the services they promise, they MUST also maintain a 
$100,000 Surety Bond for TWO YEARS after they cease doing 
business in the state. While you are on the phone with the 
Secretary of State's office, ask if there have been any 
unresolved complaints against the company. Find out how long 
they have had their license as well.  
There have been a number of credit clinics that guarantee to 
remove any derogatory items from consumer's credit report.  
Contact the Attorney General's office in your state as well, 
see if there have been any complaints and find out if they 
are under any kind of investigation. The Better Business 
Bureau is also another good organization to check. My 
company wasn't just LISTED with the BBB, we where actually 
members of the organization as well.  
If the firm tells you that you can not take a day to think 
about it or that it is a 24 hour offer tell them to take a 
hike! They where trying to scam you! Tell them that you want 
a copy of the contract you will be signing and any 
disclosures so that your attorney can take a look at it. If 
they balk, again, good for you, you just flushed out another 
con-artist. Call the Attorney General to have them 
investigated so no one else will fall into their trap! To 
have unlimited contracts reviewed by an attorney, and tons 
of other legal services, please visit our Legal Services 
Page.  
For five years I owned and operated a company here in Omaha 
that not only assisted individuals and families re-establish 
their credit reports and obtain new forms of credit; but we 
also helped establish a budgets, and save money. The last 
two items were more important than the first two! If nothing 
else, TIME will repair a damaged credit report. But without 
the proper savings and budgeting, the smallest disruption in 
an individual's cash flow will destroy the BEST credit 
report. In fact, the "better" the credit, the more potential 
for damage there is!  
I will encourage you to go to your local book store and 
obtain a book on budgeting. Talk to a family member, friend, 
or clergyman to get help on setting up and sticking to a 
budget. One of the reasons people run into the credit 
situations they do is because when the emergencies hit, 
there is nothing to fall back on. Don't let it happen again! 
Protect your good credit and your good name! 
Ten Greatest Myths About Your Credit 
Credit Bureaus are empowered with some kind of governmental 
authority.  
Credit bureaus have no legal authority at all, they are