After this memo there is a personal letter from the author, Bob Saffell.

Finally, you are going to get an idea of how careful you must be if you should decide to get help on restoring your credit. You'll also find out why so-called secured credit cards are being offered to people whose credit does not warrant it. Also what about those so-called debt consolidation loans and programs? Is there a catch somewhere? You bet!

Bob Saffell's new information about the scams and other traps you must be wary of is becoming a blazing wildfire! Why? Because too many people are being taken by unscrupulous operators. Frankly, Mr. Saffell is disgusted at what's going on and wants you to stop losing your hard-earned money when you're trying to straighten up your affairs.

But let's allow Mr.Saffell to tell you himself. The following is a personal letter to you to help explain the matters at hand:

From Bob Saffell:

Winchester, KY
Monday, 2:30 pm

Dear Friend,

If you been having trouble getting credit and/or are thinking about restoring your credit, this is information you need. If you have thought about getting that guaranteed credit card that some one is offering or even trying to consolidate your bills through someone you heard about in an ad or on the internet, this information will be invaluable to you.

It will save you a lot of time and money. You'll avoid the shocking scams and rip-offs which lie in wait for the unwary. You'll learn all about the sharks which infest your financial waters. You'll learn secrets others wish they knew. The following contains some of the many things I discuss which will help you not only repair your credit but also put more dollars in your pocket.

Nobody knows how many innocent people like yourself are being taken to the cleaners by these scam artists, but the number of those being taken must be high if you look at all the money being spent on ads to trap the unwary. Here are some secrets you should learn about:

• the credit bureaus and how to get copies of your credit report.
• how you can get a free copy of your credit report.
• what things can cause you to have a bad credit report.
• how easy it is to read your own credit report and what to look for
• when and if it's necessary to have a lawyer to help you repair your credit
• why everything must be in writing - if your penmanship is poor, like mine, you can type instead
• three things you absolutely have to know before you do anything about restoring your credit
• which items on your credit report you can change yourself and which ones nobody but time can change
• what two letters you must use if you want to correct an inaccurate item in your credit report
• how you can do everything right the first time around, from beginning to end.
• why it's smart to stay cool, save your money and do-it-yourself
• why credit bureaus are interested in only two things about you: "not your account" and "payments have never been late". That's it and that's all!
• why no matter what someone tells you, if a negative entry is correct, nobody can change it! Only time or your creditor can erase negative but correct items.

And stay out of jail! There are too many things that can go wrong when you allow someone else to mess around with your credit problems. And all of these add up to your spending money to support someone else's lifestyle. Here are some of the things you should know:

• avoid those who say they can give you a clean and legitimate credit file. Don't you believe it! What they're proposing is (1) you take bankruptcy, and (2) you apply for an employer federal number and use it as a new social security number. The first one is a "no-no", the second one can land you in jail. It's called file segregation and is very illegal!
• avoid those who say you should change your address (or register your name in a different manner) in order to confuse the credit bureaus and creditors
• debt consolidation and counseling? In most cases don't do it - not with those who want money in advance. Like sharks these guys feed on high interest rates and your assets!. But if you must have such help go to a legitimate (usually governmental) source.
• advance-fee loan scams. This one is a doozy, and don't say you can't be fooled. Just recently some very well-heeled professionals from all over the world lost millions to an advance-fee loan scam. You have to pay to get a loan? Come on! Sorry, but a lot of folks who should have known better fell for it.
• Secured credit card schemes. You'll get nothing but grief from these guys.
• And what about those so-called non-secured cards, guaranteeing they say up to $10,000? Nonsense! These are just cards issued by their own merchants who charge you high, high interest and overcharge on their goods. Plus you always have to make a deposit equal to their cost of the goods. In addition, no credit bureau is going to waste sleep over these outfits reporting your credit as either good or bad. You can't build credit that way!
• Lawyers! God bless them! But beware. Read between the lines. Remember, a lawyer is seldom needed to help clean up your credit.

Of course it's a good idea to check your credit once a year even if you now have good credit. For the rest of us, those who need to work on our credit and make it better, there are many things we need to know and acquire. Among these are:

• patience and organization - it took time and poor judgement to get your credit in bad shape - it may take some time to get things back together again
• why restoring your own credit is easy
• why it's an absolute necessity for you to restore your credit
• you don't have to be a genius to get your credit up to par - you just have to have some common sense
• make up your mind to quit gambling with your life and your money
• draw up a list of the things you'd like to have on credit, such as a new home or a new car
• find out all you can about the laws which protect you and learn how to apply them
• get a handle on your finances and learn how to save and spend
• how to draw up a budget and start living within its limitations
• why you should be wary of "quick solutions" to your credit problems
• when negotiating a dispute with a credit bureau or when filling out an application for credit, make certain you do not lie. In some states lying in such situations is treated as a felony.
• handle each dispute with a credit bureau one at a time, allowing a reasonable amount of time between disputes
• be sure you tell the credit bureaus what you want them to do about the item in question
• do not do business with anyone who says you should not get directly in touch with the credit bureau
• don't even bother to question the accuracy of an item which you know is true, unless your creditor agrees to change it
• don't do business with anyone who wants money up front
• remember: what a creditor puts on your record he can also take off

There are hundreds more tips and secrets, including accurate guidelines to follow!

There is just too much for me to list them all. The above is a very small portion of the fascinating information you'll find in "Repair Your Credit With Little Known Secrets the Scam Artists Hope You Don't Find Out About". If you have any interest at all in saving lots of money by doing things yourself, you need to know about this kind of no-holds barred information. After all, it's your life and you want the best information possible.

This large (8 1/2 x 11 inches) book has 120 pages and is loaded with dynamite information to help you save a lot of dollars. Everything is revealed in plain English (like I use here) in easily understood step-by step instructions. The book cannot be obtained at any bookstore. It is unique and very valuable to those who use it.

Here is what some folks say about my books:

Unfortunately, if you've wanted to take steps to improve your credit report as well as try and understand how the credit industry works you've probably discovered that there just isn't that much GOOD information available out there. In fact, most of the stuff that we've discovered is outright junk. HOWEVER, while scouring the Internet recently we came across a self-published book by Bob Saffell titled, "Repair Your Credit With Little Known Secrets The Scam Artists Hope You Don't Find Out About." We've reviewed the book and we're glad to say that we can highly recommend it. -- Hoffman, Brinker and Roberts, Debt consultants, Detroit, MI

Green Cove Springs, FL-- Thank you for your publication. I have enjoyed reading something so READABLE. The plain language...was almost like talking to someone who enjoys what he's doing. Also thank you for your very prompt reply to my enquiry...Your explanations were very clear, and I rather think after getting some more information from the addresses you sent, I'll give it a GO. -- ME.GT.

Liberty, NY-- I've received more useful info from your books than almost any other source...I enjoy your reports. You've done your homework well. Thanx. -- S.S.

Misdoer, WI-- Thank you for answering my letter so thoroughly and so quickly...Thanks for all the good information. Other books I've read are OK, but your advice and book are down to earth and very readable. -- JR.LI.

Hugo, CO-- The book you wrote is very informative. I'm very satisfied with my investment. -- RE.B.

Union, OH-- I have questioned many home business entrepreneurs, and yours is one of only a select few that I have had nothing but positive feedback on. -- ME.H.

Solomons, MD-- Your book ... fits the bill for a worthy venture. It tuned me in to the right frequency...so I'm off and stumbling but with a little help from you pros, I look forward to a new career...Thanks for the shove in the right direction. -- B. JR.

Detroit, MI-- You've done an excellent job in bringing all the material together! It was so precise that even a novice, like myself, could understand. -- DD.NO.

Desert Hot Springs, CA-- This is such a good book. -- RE.DD.

Eureka, CA-- How refreshing to find such honesty, integrity and value! What we received from you was far more informative, detailed and practical. -- NO.S.

If you want to place an order please do so solely at my risk. This book comes with a one hundred per cent (that's 100%) lifetime guarantee! That's NO RISK to you! This is a money-back LIFETIME guarantee - with absolutely no strings attached. Why do I do this? After 21 years in this business, I have a reputation to maintain and I don't want you to feel like you're "being taken." I want you to order this information today. I want you to read it, find out for yourself - and if you aren't completely satisfied, just send it back for a very fast refund of the purchase price you paid. There will never be any questions or hassles. There's no way you can lose.

Like others of its kind, this manual would usually be priced at $49.95 or higher. But as an internet marketing test which may or may not be extended past, November 30, 2008, the manual will be made available at 40% off ... at $29.95 + $4.OO for shipping for a total of $33.95. In other words, right now you can get my manual for $29.95 at absolutely no risk to you (see guarantee above). That's what a lot of people spend for an evening out at a normally-priced restaurant. If you use only one of the hundreds of secrets or tips, I guarantee you will have more than paid for the manual.

Remember, the cost of this offer is not its real value. The real value is what you'll get by having this information at your fingertips.

In addition, because I really want to increase sales, if you order by November 30, 2008, I'll not only guarantee the discounted price of $29.95 but I will also extend the following important and exciting bonus free of charge:

I'll include my booklet on credit cards and how and where to obtain them. This is the BONUS PLAN which can help you get more of what you want.

You will be able to benefit immediately from the information. The printed book and the BONUS PLAN will be shipped via priority mail within 24 hours after I receive your payment or get your order over the internet with our order form given below. If you use the order form on the internet you will get a 3-4 day jump on the mail than if you mail your order in.

The cost of this offer is not its real value. The real value is what you'll get by having this information at your fingertips. Do you really think you can do without this book?

But you must act now. The first edition is almost sold out and the second will move even faster.

There are four ways to order - and they are all easy.

The first and fastest way to order is directly online with our ORDER FORM. Keep in mind that if you use this order form, I will send your order immediately within 24 hours! This means you can get an extra jump on getting started putting money in your pocket. Otherwise you'd have to wait a few days.

But if you'd rather not do it this way, just fill in the blanks and where it asks for credit card information tell us to phone you for the information. Then print out, fill in and send the form - don't forget your phone number.

The book will then be mailed to you by Priority mail which will take a 2-3 days to reach you.

Or you can email the information to us with the same stipulations as above if you so desire.

You can telephone us at 1- 859-745-5218. We're usually available from 12 noon to 10 pm EST. But if you get our answering machine, just leave your name and phone number. We'll call backat no cost to you.

There you have it: use our internet order form, email us at bsaffell@mayhillpress.com, telephone us 859-745-5218 - and of course, you can use the post office or snail-mail. Just write your name, address, phone, and credit card number down on a piece of paper. If you wish send a check or a money order for $29.95 plus $4.00 shipping and handling for a total of $33.95. Send it with whatever payment method you choose to: Hilmur Saffell, 103 Susan Ct, Winchester, KY 40391

Frankly, I look forward to hearing from you soon. But most importantly I hope to hear about how you apply what you've learned and that you, too, have found a new and exciting way of life. Really, it's most gratifying to hear about other people's successes!

Yours quite sincerely,

Bob Saffell

P.S. That's it. You get the book which includes the book AND my free consultation charge as long as you want. Then you be the judge. Don't forget: you have to be completely satisfied.If you're not 100% satisfied, I want you to return the material for a full and complete refund (less S%H). Again there will be no hassle, no questions asked.

P.P.S. For those who live in countries other than the United Sates or Canada, you get the same price as stated above! Again you must be completely satisfied. If the material doesn't work for you or your situation, return it and we will mail you a full refund (less S&H).

Any comments, what have you, will be appreciated. Email us at bsaffell@mayhillpress.com

Last update: 110808
Copyright 1999 - 2008 by Hilmur Saffell
bsaffell@mayhillpress.com
HOME PAGE...CONTACT US and CONTENTS PAGE