Yes, You Can Fix Credit Reports and Scores For Free!

We all make mistakes with our credit. And sometimes we need to fix our credit because of circumstances outside of our control - like a layoff or even medical issues.

I've been there too. I had scores in the low 400's and couldn't buy a home or car even though I had the cash. I certainly couldn't get approved for any credit cards. And I had to sort of live underground - trying to avoid calls from collection agencies at all hours of the day.

It was miserable. Since you're here, maybe you've been through some of this too?

After a couple of years trying to fly under the radar and wait out the storm, I got so sick and tired of the "bad credit" ball and chain I decided I'd take control and figure out what I needed to do to actually fix credit.

Once and for all, I was going to clean up my credit reports and get where I deserved to be financially.

And I found a ton of stumbling blocks along the way. See, most of the information publicly available online is just speculation. Stuff people hope will work. But it doesn't. And what's more, all the collection agencies and credit bureaus *scour* the internet for the tricks people are using to repair their credit and then put stops in place to stop those methods from working.

I did manage to find one guy - I'll call him the 'Credit Ninja' - at a forum. He didn't post often, but when he did it was pure gold. And I got in touch with him to pick his brain - and to figure out how I could fix credit like a pro.

The Credit Ninja was kind enough to spend some time with me but ONLY on the condition I wouldn't run and and tell the world (and therefore the collection agencies and credit bureaus) the techniques he was using. If everyone found out what we were doing, it wouldn't be effective anymore.

SIDENOTE: None of this is illegal or even shady. You don't have to lie to fix your credit, and I won't ask you to.

What the Credit Ninja taught me was how to use the lies the collection agencies and credit reporting bureas told againt them! You call them out on their illegal (yes, I *do* mean illegal - you and I have rights protecting us) activities and they delete the negative items associated.

You play hardball with them, like they've been playing hardball with you.

After I got the basics down, the system needed refining.

Custom letters. Citation of specific legal codes the collection agencies and credit reporting bureas MUST comply with. Calendaring so everything is timed perfectly.

I put this information to use, and am now the proud owner of a mortgaged home, 3 financed cars and multiple credit cards. My score has risen from the 400's to the 700's. I'm not ashamed or embarassed about my credit anymore because my credit is fixed and I have a clean report.

There's one other thing the Credit Ninja asked me to do. He told me that, like him, I was now privy to infomration that could unlock the secrets of fixing credit for everyone else out there like me. And that I had to "pay it forward." Tell others these secrets. But he didn't want the infrmation publicly available, because if it is, it won't work anymore.

So I've set up this page so you know where I'm coming from. I'm so grateful for everything I've learned and everything I've accomplished and I'm going to help you fix credit reports like I did.

Fill out the form and I'll email you everything I've got, including letter templates.