ebooks

Get This Unsecured Credit Card For Self Help Credit Restoration

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 interestdebt to credit ratio in this company, and do not make money on its sales. This is an objective review.

Writtem By:
Steven Ciantro
Member National Association of Certified Credit Counselors
American Debt Enders
Help@americandebtenders.com 877-766-2465

How To Settle Your Debts, ebook

This ebook on debt settlement is very relevant for our times. You will learn about making a hardship case with creditors, how to put your ceditors on the defensive when negotiating with them. Addilionally, you will learn how the debt industry works, why debt settlement works.

The book contains debt settlement legal forms,as well as debt settlement letters and contracts, all of which you will need if you are going to negotiate yourself. The book is an easy read, at 39 pages.

At 19.95 well worth it, if settling your own debts is what you wish to do. Click below to order: 19.95

Written Bt
Steven Ciantro
Member National Association of Certified Credit Counselors
American Debt Enders
help@americandebtenders.com
877-766-2465

Turn The Tables On Your Creditors By Suing Them!

Yes, this is for real. Their are a number of state and federal laws including the Fair Debt Collection Practices Act and Fair Credit Reporting Act, that determine your legal consumer rights. It is not unusual for creditors, collection agencies, and credit bureaus to violate these laws. When they do there are monetary penalties imposed that are either specific under the appropriate law, or to be determined by the court when you win.

Suing Your Creditors when they violate your legal rights levels the playing field if you are in a debt crises. It is one thing not to be able to pay your debts because of unfortunate circumstabces, but that does not open the door to creditor and collector abuse.

This book is an effective step by step guide to the process of how to file the necessary papers, and grounds to win on. Very detailed, with actual cases. Anyone can do this, you do not need a legal background.

The price of this ebook is 21.95 and well worth it, in my opinion. To order the book click on the banner below:
Sue Your Creditor Who Violate Your Rights for 1000s

I personally know people who have successfully used the techniques outlined in this book, to win awards, and stop creditor harassment. If you are in this situation, and prefer not to enter a structured Attorney Debt Settlement Program, then you should be helping yourself by reading this ebook.

Written By:
Steven Ciantro
Member National Association of Certified Credit Counselors
American Debt Enders
help@americandebtenders.com
877-766-2465

Credit Secrets Bible Book Review

Lets face it. The country is still in an economic mess. When banks started lowering credit limits on all customers, even the good ones, credit scores started dropping, personal debt increased, late payments surged. Before we proceed further, I am a certified credit counselor, and publish a FREE Credit Counseling Newsletter, which has become widely read. This to say, I think I know a little bit about my topic. And while I do not believe people should be overly hung up on their credit scores, I do believe, if possible you should have one high enough not to be the object of predatory lending practices.

Many people, have been brainwashed into thinking that if they have bad credit, it will take 7 to 10 years of waiting before they will have good credit. This is a total falsehood. Even the FTC publishes free information on how to dispute If a credit report. If you have debt, first you need to address getting out of debt. The Free credit counseling newsletter (link above) contains a wealth of information to help you do that.

If, your debt has been dealt with and you would like to increase your credit score using the do it yourself approach, then I would strongly recommend the "Credit Secrets Bible" to you. The author is incredibly knowledgeable on the behind the scenes workings of the credit bureaus, and information gatherers which compile information used in generating your FICO or credit score.

This book is far more than interesting, after explaining in detail just how things work, the author goes on to explain how to remove negatives from your credit reports, in an absolutely legal manner. This is not a book with boiler plate form letters to send to the credit bureaus denying the debt. If it is your debt, then do not deny it. However, the Fair Credit Reporting Act, defines when and how something can be added to your credit report. The author clearly explains how to utilize the law to your advantage. Does it work? Absolutely. I have spoken with countless individuals who have used the book to raise their credit scores by 100 to 200 points within a year of employing what the book teaches. The book also comes with a money back guarantee, and has been around for many years, with frequent updates.

The price of the ebook is 67.00 dollars, and available, just Click Here!

If you are interested in a great way to earn extra income through an affiliate program, whether you are a seasoned affiliate marketer or just a beginner, the I suggest you visit: ebook affiliate program, where you can not only order the Credit Secrets Bible, but also learn about making money selling ebooks.

Written By: Steven Ciantro
Member National Association of Certified Credit Counselors help@americandebtenders.com