| "In Japanese history, a ninja is a highly skilled warrior, trained in martial arts, and specializing in a variety of unorthodox arts of war. The methods used by ninja included specialized weapons, stealth, camouflage, espionage, and even assassination." |
If you want to improve your credit situation, you can play nice, follow the rules, and jump through hoops until the cows come home.
You can also spend a lot of money on a "credit-repair" outfit
who'll get you a quick short-term bump in your credit score.
(You can do this yourself for *FREE*!)Or you can learn how to become a Credit Ninja and
keep these bullies away for the rest of your life!"Either you are managing your credit profile,
or ... your credit profile is managing you."
From the desk of: David P. Schwartz
September, 2008
Dear Fellow Consumer,
Have you recently gone through a foreclosure, repossession, or bankruptcy, and now that the smoke has cleared, you're not sure what to do next? You probably feel like you're totally out of money, time, and most of all, patience.
Has your car or another insurance premium gone up for no apparent reason with no advance notice?
Maybe you've been listening to people you trust and respect to help you out, and you find that the advice they're giving you just isn't working (or even sensible).
You know you've got credit problems, but no matter what you do, your finances just keep getting worse.
Perhaps you've written a dispute letter to a credit bureau or collector for a debt that you KNOW isn't valid, and they came back and said it's a valid debt, or you'd better work out a payment plan or they'll sue you.
Or maybe they've decided to ignore your dispute letters as frivolous disputes?
If you're like me, the feelings some of these things evoke is just raw anger. You want to rip somebody's head off, gut them, skin them, and feed them to the vultures. I kept asking myself, why in the world is this simple stuff so unbelievably difficult to deal with?
To quote a popular movie, "Who 'ya gonna call?" Unfortunately, while plenty of laws are in place to assist you and I, it's virtually impossible to get the legal help needed to enforce our rights and remedies that these laws afford us.
In general, here are our choices:
DIY (Do It Yourself) -- MOST EFFECTIVE with legal help
Hire a lawyer -- usually EXPENSIVE
Hire a 3rd-Party "credit repair" outfit -- DANGEROUS!
Do nothing -- LEAST EFFECTIVE
Due to limitations imposed by law, it's more expensive to hire a lawyer than the benefits you'll gain, at least on a short-term basis. However, we do have an alternative for this.
Third-party "credit repair" outfits are expensive and the FTC says most of them are rip-offs. We don't do that!
I'm going to address the DIY (#1) option here.
In the process of dealing with my own credit issues, I've made it through the gauntlet and am much wiser for the trouble. Given the present economic climate, I decided to set up a 12-month DIY Credit Ninja coaching program to help others learn how to manage their credit profiles themselves. Why? Because once you learn how to do it, you'll never have to fear the nasty side-effects that credit problems bring. And that, in itself, can eliminate a large portion of the issues that give rise to credit problems to begin with.
You're probably aware that once you run into credit problems, they only seem to get worse. The interest rates on your debts go up, and you have to start paying more just to keep your head above water.
Doing nothing is certainly one option. Things stay as they are, then in about 5 years, they start to slowly improve. In 7-10 years, they finally go away. But who's to say you won't end up having more problems in the mean time? Not to mention you'll be overpaying on interest rates, insurance premiums, deposits for services, and all kinds of other things.
If you haven't figured it out already, this is a nasty merry-go-round. You don't think you can get off until it stops, and it won't stop until you get off. Do you feel stuck? I sure did!
What about filing for bankruptcy? Well, that gives you some breathing room for a little while. But your interest rates on remaining debts may be outrageously high; your insurance premiums can be unbearable; and everywhere you turn someone wants you to pay a deposit. Why? Because your credit profile has been nuked. Your debts may have been eliminated, but it'll take 7 to 10 years for all of the damage to be cleared up.
That is, unless you choose to learn some of the credit ninja techniques I can teach you that can make most of the garbage in your credit profile that's causing these ills simply vanish, just like a ninja in the night!
Yes, you can wait 7-10 years and pay exhorbitant interest rates and fees. Or learn how to deal with this stuff yourself and get rid of most if not all of it in 12-18 months. Ask yourself these questions:
Did you know...
Everybody has a credit profile?
Your credit profile sticks with you for your entire life?
You have a credit score that affects what you pay for everyday things? (called things like: FICO, Fair Isaac, Beacon, etc)
Black marks and dings on your credit profile stay there for 7 to 10 years if you don't deal with them properly?
You might be paying 2x, 3x, even 5x higher interest rates, insurance premiums, utility deposits, and phone/internet access fees because of a mismanaged credit profile?
A mismanaged credit profile can cost you dearly? Over a half-million dollars over your lifetime? Yes, OVER $500,000! That's around $10,000 a year or $800 a month.
The law gives you certain RIGHTS and REMEDIES, but nobody has any obligation whatsoever to tell you about them.
You do not have to pay anybody for credit repair and credit restoration? In fact, you can learn to do it yourself cheaper than most places will charge you.
Learning to manage your own credit profile is a lifetime skill that will save you TONS money -- hundreds of thousands of dollars over your lifetime. Is it worth it?
We offer an exclusive one-year Credit Profile Mastery coaching program that will help you learn how to manage your credit profile yourself.
Here's what you'll get:
a 2-user license for our powerful CreditPhD software that analyzes your credit reports, writes your dispute letters for you, and helps you track your progress
access to our members-only discussion forums
access to our live webinars and teleseminars
access to recordings of past events
invitations to live events held in your city
an option to have access to all of the expert legal care you'll need for the entire year at no additional cost
the option to earn hundreds or even thousands of dollars a month by helping others take control of their own credit profiles
Our one-year Credit Profile Mastery coaching program will cost you less than most so-called "credit repair" outfits, and it will benefit you for life.
To get started, fill in the form below and we'll send you a free report entitled, A Credit Survival Guide for "Main Street" Americans -- How to Survive Bankruptcy, Foreclosure, Repossessions, and Other Financial Meltdowns.
It's full of helpful information that nobody wants you to know about how consumers like us are abused and cheated out of our hard-earned money by bullies who abuse our credit profiles, often for years.
You will be sent an email containing a confirmation link that you must click. Shortly after you do, it will send you another email containing the download link where you can get the report.
NOTE: mailboxes @yahoo.com don't seem to get confirmation emails all the time. For best results, please use another email service -- gmail.com works well.
Also, be sure to white-list the domain: *@ninjacreditsolutions.com
After you click the
button above, you'll be
sent to a page where you can download
your FREE Credit Survival Guide.
