The following is based upon information taken from H L Saffell's book: "REPAIR YOUR CREDIT WITH LITTLE KNOWN SECRETS the scam artists hope you don't find out about". If you would like a copy for your own, CLICK HERE.

Even if you have good credit it's a good idea to check your credit file once a year just to make certain nothing bad has crept into it.

There is negative information in your file. Maybe it's true, maybe not - but you'd better find out.

You've maxed out on your credit cards. In other words you are living way beyond your means!

You are not paying your bills on time. In fact you're often quite late on paying them.

You're one pay check away from disaster. In other word's you had better not lose your job.

You keep borrowing money to buy things you used to pay cash for.

You only make minimum payments on your credit cards. This means you are stretched to the limit. You should be paying these cards in full every month to escape interest charges.

Bill collectors keep knocking on your door. You need to find a way to stop those knocks on your door.

You don't have any savings. They've all gone to pay bills.

You can't get credit. One reason is you have too many bills and not enough income.

You're in so deep you don't know what to do. That's why you need help. You need to get organized, both personally and financially.

You have nothing set aside for emergencies. Like you need to go to the doctor or the dentist or your children need new eyeglasses, etc., etc.

Go to:CONTENTS PAGE...HOME PAGE...ORDERING INFORMATION