This idea actually comes from the CREDIT SECRETS BIBLE reviewed in an earlier article on this blog. This idea is based on the fact that having an unsecured credit line which is largely not spent, in other words a low "debt to credit" ratio can significantly increase your credit or FICO score. I can tell you as a Credit Counselor that the previous statement is absolutely true. So, the question is how does this fact help you?
In keeping with the theme of this blog,and that is reviews of books, and information about debt relief in all forms, I have done some research on this issue. Their is a company called OX Publishing, which sells books and music on their website, and offers a Five Thousand dollar unsecured credit line to be used to purchase their products.
Here are the details of the deal: You can automatic approval of their credit card, which reports to all three of the credit bureaus monthly, and has 0 Interest. You must purchase 295.00 dollars worth of products initially, and upon receipt of the credit card. You have to pay for the items as follows, Initial payment 195.00 and the balance at 20.00 dollars per month for five months. and an additional 100.00 dollars worth of books and music every 6 months. You can visit the website to see the items at: OX PUBLISHING.
Is it worth it? I would say that if most of your negatives have been dealt with, by that I mean removed, and again you can do that with the CREDIT SECRETS BIBLE, then it may be well worth it. It will raise your credit score significantly in the first 30 days. Which may save you a fortune in interest on your financed purchases. It is not a scam, but, yes, the company has found a niche marketplace and a creative way to sell their products, so, essentially, everyone wins. I have no financial interest in this company, and do not make money on its sales. This is an objective review.
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Writtem By:
Steven Ciantro
Member National Association of Certified Credit Counselors
American Debt Enders
Help@americandebtenders.com
877-766-2465


I had know idea that getting an unsecured credit card would help with my credit restoration.
Posted by: Melinda | June 19, 2010 at 04:52 PM
Interesting topic is discussed here!
You might also find the works of Dr. Greg Cynaumon interesting. He authored some Self-help and personality development books.
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http://cynaumon.com/
Posted by: Kyle | July 02, 2010 at 05:33 PM
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Posted by: Monica | December 12, 2011 at 05:06 AM
Monica, thank you so much for being a reader. The fact that you took the time to comment is very much appreciated. The card mentioned in this article absolutely does work! I am going to email you a FREE 3 day 2 night Vacation voucher for two, just to say thank you. When you receive it, just pick a destination, and follow the directions.
Posted by: Steven Ciantro | December 12, 2011 at 08:23 AM