KillMyBadCredit.com When one door closes another door opens; but we often look so longingly and so regretfully upon the door that closed, that we fail to see the one that has opened for us.
Bad Credit Can Keep You From Getting A House, A Car, A Nice Apartment, Insurance Coverage, Even Your Dream Job... MYTH:Bad credit repairs itself when you pay your bills on time.
Coleman's Independence Institute has the potential to ERASE your inaccurate & unverifiable:
Collections Late Pays Charge-Offs Delinquinces Medical Bills Cell Phone Bills Student Loans Tax Liens Reposessions Hot ChexSystem Inquiries BankruptciesForeclosure Child Support Judgements
From: Brad C. Sunday, January 29, 2012 Time: 3:37 CII Is Now Offering A $57.00 - $107.00 Per Referral Fee For Good Leads Such AS Friends, Family, Or Biz Associates!!!
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Dear Friend,
First, thanks for visiting my website and prepare to be educated about your credit & the banks, as well as being very shocked at the information I will be "Exposing"!
We have the potential to destroy your bad credit and eliminate your debts. Listen up ... this is Urgent!
As children, we are raised to look forward to growing up, owning our dream home, driving a sleek car, and working at a job we love. My parents said that I could have anything I desired as long as I worked hard for it. Unfortunately, I took the "have anything you want" part too much to heart as a young adult. I applied for every credit card I was offered, knowing that I couldn't afford the bills. As my credit score went down the drain,I found that hard work alone doesn't guarantee that you have the things of your dreams.
My low credit score kept me from buying a house - instead, I rented from a landlord and raised their net worth rather than my own.
It kept me from getting a car - instead, I drove decades - old cars that spent more time in the shop than on the road.
I had to pay a higher monthly premium for my car insurance.
I had to put down a huge deposit to get cell phone service.
I even had trouble getting utilities in my name.
Then, I found out that a company I wanted to work for did credit checks on potential employees in order to asses their accountability. I panicked - I had no idea that my poor credit score could cost me my dream job.
MYTH: It takes 7-10 years for negative items to drop off of your credit report
I wasn't alone in my credit problems. A friend of mine with poor credit had bought a house with a sub-prime mortgage. He had a great job where he was making more money than he had ever made before, but he was barely scraping by because his mortgage payments were so high. He was paying over $1000 a month on his mortgage, and only $60 of that was going toward principal. One night, we decided to sit down and determine how much he'd save if his credit score qualified him for a prime interest rate.
We found out that a better interest rate would have saved him almost enough money over his 30-year mortgage to pay for another house just like it with cash! After that, we started calculating the cost of bad credit on everything: cars, utilities, insurance, vacations. Our bad credit was originally caused by our lack of money, but, now that we were making more money, our bad credit was keeping us from ever getting ahead.
On a $100,000 sub-prime mortgage with an interest rate of 9%, my friend was going to end up paying $80,000 more over the life of the loan than he would have paid with a prime interest rate. THAT'S ALMOST AS MUCH AS THE ORIGINAL LOAN!
We determined that our bad credit was costing us almost $10,000 a year in interest that we wouldn't have to pay if we had good credit and could qualify for better interest rates. So, we started researching ways to improve our credit scores. We read article after article, we interviewed lenders, and we had long discussions with financial advisors. It wasn't long until we discovered that we weren't stuck with our poor credit scores for the next decade of our life. There were things that we could do to improve it!
Did you know that your credit score can be dramatically lowered by reporting inaccuracies? The credit reporting companies aren't in the business of making sure your credit report is without error - they're in the business of making note of the things that are reported to them. When was the last time you looked at your credit report? I was shocked when I looked at mine and found several credit-harming inaccuracies, such as accounts that were listed more than once, accounts that didn't even belong to me, and on-time payments that were recorded as late, just to name a few!
FACT: Paying off a collection that is listed on your credit report restarts the 7-year time period that the account can remain on your credit report.
In our quest to fix our own credit reports, we learned that many of the things we had always been told about our credit weren't true. By applying the things I learned in my research, my credit score went from a *Poor* 580 rating to * the 700's *Excellent*. Within a year of fixing my credit report, I was able to buy the car that I'd been eyeing for a year a '2007 Chrysler 300, low insurance premiums for full coverage on my automobiles less than $70 with a deductible of only $50.Able to go into any bank & get a letter of credit or get 5-figures of cash with no problem to pay for any toy I wanted, being able to be offered the lowest interest rates in town 0% - 5.9% on financed purchases. Knowingly being able to rent a nice apartment or purchase a nice home or have one built from the ground-up with no problem if I wanted to. I say this not to brag, but to show you what a good credit rating can do for you. That's where Coleman's Independence Institute can help you.
Update For June 01, 2009! So, You Don't Believe Me, And I Don't Know What I'm Doing? And I Didn't Repair My Own Credit! Prepair To Eat Crow!
This is Brad Coleman's credit score for Equifax. My file is available upon request for all to see.
Your score is 769 Was Created On: 05/30/09. This means that your credit risk is Excellent
Your FICO score of 769 summarizes the information on your Equifax Credit File as of May 30, 2009.
FICO scores range between 300 and 850.
The FICOŽ score is the credit score used most often by lenders. However, the credit file and credit scoring model used by some lenders may be different.
The Bottom Line: You Scored Higher Than 69% of The Population In the United States! What a FICOŽ Score of 769 means to you
Your score is excellent, and a wide array of loans and credit cards will likely be available to you, often at attractive rates. It is unlikely that your credit application would be denied based on this score alone. The fact that you have received such a high score implies that you scored the maximum (or very near the maximum) possible points for many of the aspects that are evaluated by the FICO score. As such, you should not consider the factors discussed later in this analysis to be any serious flaws with your credit history. They simply indicate the few factors on which you did not score the absolute maximum possible points. You should already have a wide array of credit products available to you.
FACT: Transferring balances from one account to another and closing accounts that have been open for an established amount of time will actually hurt your credit score.
With bad credit, I felt like I was going nowhere. My phone was constantly ringing with calls from bill collectors, and I never thought I would be able to own anything that was just mine. All of that changed when I learned the secrets that the finance companies don't want you to know.
Then, I befriended three guys that are now retired, one was a CPA (Certified Public Accountant) and a expert lecturer on Banking, one owned his own law practice, was a publisher and retired from being a very successful Credit Consultant, the other held a position of one of the TOP 6 executives inside Equifax(one of the top 3 credit bureaus) and that held the most powerful secrets reagarding YOUR credit? I will keep all three of these guys names, telephone #s, & addresses private, due to their request. They're living a low-key life style now - being that one is located in the Arizona area, one in Ohio, the latter in the California area; that's all I'm allowed to reveal. You say, you don't believe me then read on. Some of these things I would have not known unless someone on the inside told me.
I met these guys through internet businesses that I've ran in the pass, in which my business caught their attention followed with a phone call to me. We've been talking over the phone & by email ever since. They have pretty much taught me 95% of what they know about credit, debt, banking, & the credit bureaus, but laws are forever changing in the above industries on purpose, so we have to research these laws constantly - Brad Coleman is a certified Paralegal, which helps with the legal research experience. It's alot of work! We find one loop-hole to get the average hard working family out of debt & repair their credit, the banks come along & close the loop, then we have to find another one. The banking lobbyist gets Congress to pass laws in their favor on purpose to keep us in their debt, & to keep us paying very "high" interest rates - follow me here! This is a proven fact.
Me and my CPA friend were having a interesting discussion one day, in which he was telling me about the bankers and some of the "TOP LEVEL" meetings he attended with bank executives. Only Vice Presidents & above are only allowed, not bank tellers. He handled their financial records/books for them. Don't get me wrong not all bankers are out to get over on you - there are some good ones out there - I personally deal with a few.
But, anyway he asked me what my religion was, I told him "Mormon", but I'm not perfect, striving to be, yes. He asked me what were some of the things that we believed in, I told him. I asked him how do some of these Congressmen sleep at night that pass the laws in the bankers favor to keep us in bondage & debt? He knows quite a few in D.C., such as Congressmen that want to speak-out about this, but fear for their jobs and careers. I asked aren't they Christians - "God Fearing, God Loving" people. It's going to shock you what I'm about to tell you what my CPA friend told me next:
He laughed first, and then stated most of them are not true Christians, that's for show and another thing - they either own a bank, hold shares in a bank, or have relatives that own these "house hold name" Banks that you see advertised all over the place.
Want proof; For instance, one Congresswoman husband has $1,000,000 invested in the small bank "OneUnited" 3683 Creenshaw Blvd., Los Angeles, California, which alledgedly got $12,000,000.00 from the $700,000,000,000.00 TARP (Troubled Asset Relief Program) or for a better term "Bail-Out" money that taxpayers payed for. Also, what if I told you that this same man confided in me and just & few other people that the 3 largest credit bureaus (i.e., Equifax,Experian, and Trans Union) had *TOP SECRET* loopholes and escape routes to "delete"Charge Offs, Bankruptcy, Judgment, Liens, Late Pays, Medical Bills, Delinquinces, Hot ChexSystem, Foreclosures, & Reposessions .
Would this shock or even surprise you?
It shouldn't And to back all this up with one plain and simple fact that you can't deny, just consider this:
"The Federal Reserve Bank reports that about $1 trillion a day passes through it - and where just $150 billion of this is from the sale of 'tangibles, such as goods and services. The other $850 billion a day is from 'usury' - the taxation or interest on money!"
For a good understanding of the decline of our nation through debt
In case you didn't do the simple math, $850 billion to $150 billion is a 5 2/3-to-1 ratio!
This means that 'we' as consumers are forced to pay another 5.67 times what something's worth in interest on top of the actual cost of the item sold!(And this should make you sick!)
With this type of system we're surely doomed if we don't get immediate help - that's where Coleman's Independence Institute comes in. Let us perform our "Credit Analysis & FICO Score Enhancement" services for you.
We Move Fast, We Can Potentially Improve Your Score Up To 28 to 53 Points Within The First 35 Days And Shoot It Through The Roof Within 8 - 12 Months!!!
"Recently a statistical study revealed that today about 60% of all consumers over the age of 18 have at least some type of credit troubles as compared to just 1 in 4 (25%) just 15 years ago."
Today the average family carries a balance of between $7,000 and $10,000 on all their credit cards, and overall Americans spend over $1 trillion alone on their credit cards, and owe $500 billion of it!
Again, Coleman's Independence Institute has the potential to destroy your bad debt and bad credit!
Continued, what's worse, the credit reporting system do manufacture incorrect data and errors that adversely affect people's credit so that they are forced to endure having to pay more in interests on the money they borrow.
Some statistics report as many as 79% of all credit reports (that's about 160 million reports from any one credit bureau!) contain sufficient errors! And on top of this, 25% were sever errors that greatly damaged people's real credit worthiness!
"Within the next 10 years, as many as 87% of all consumers may have a bad credit rating!"
So in the next few years YOU have nearly a 9 in 10 chance of being affected in a very bad way by this huge system.
So, if you can honestly read everything I've told you up till this point and just ignore what I've said, then you're at risk of becoming the next victim of this horrible racket (if you haven't become a victim already!)
My friends also told me - These rules and top secret protocols were written by banking experts, Harvard law school scholars, economists, high-ranking politicians and mathematicians (specializing in energy-management systems).
Together they came up with a "legal" system that would keep the majority of consumers (i.e., about 98%) down in the dumps economically. The ONLY group that would be less affected would be the TOP 0.03% of the mighty rich. (Surprised?) Still don't understand - Did you watch on the world News & in your local papers the financial "Bail-Out" the banks & financial institutions got in the billions of dollars with a "B" $700,000,000,000.
Even top bank executives got multi-million dollar bonuses. What did we get bread crums - $300, $600, & $1200 stimulus check that wouldn't even begin to get us out of debt, foreclosure, or pay your college tuition. And the funny part, we had to pay back the stimulus check to the IRS back when we got/filed our '2008 tax return, plus we tax payers payed for the banks "bail-out". Oh, you say you didn't know that? We got an early loan, so in reality we where stimuluated to the tune of "get ready for this big number - I hope I have enough room to type it" $0 NADA!!!
I crunched the numbers and figured this one out. I added the amount I got back on the stimulus check on a popular software anyone can get at your local Wal-Mart, then I took away the amount I got back on the stimulus check before I clicked submit on my tax return and found out that when adding the amount you received on your stimulus check, it decreased your return enormously; when not adding the amount you got back on your stimulus check it increased it enormously! Either I'm naive or stupid, but didn't we just pay the IRS that money back when we clicked submit & our return decreased?
The reason I state this is because on this popular company that advertises on your television & internet this software, touts on its website that you don't have to pay your stimulus money back and that it's a gift from government or Bush & not an early refund on your money stating they got or alledgedly interpreted this straight from the internal revenue service website. You don't have to include it on your return, but try submitting your return without it - it will spit it back & send you a letter faster than you can say "cheese".
Please hard working citizens, wake-up & start looking at the "Big Fix"; Ooops typo, I mean the "Big Picture"!
"You Don't Understand the "Occupy Wall Street" movement, then look at the video feed beneath - "Enough said!!!"
WALL STREET Whistle Blowers Expose The Banks, Investments, Ponzi Scheme, & GOLDMAN SACHS by JESSE VENTURA!
"They have misled my people, saying, "Peace, ' when there is no peace." Ezekiel 13:10
"When people say, "There is peace and security,' then sudden destruction will come upon them as travail comes upon a woman with child, and there will be no escape."
I Thessalonians 5:3
"Oh mortal man, is there anything you cannot be made to believe?"
Adam Weishaupt, founder of the Order of Illuminati "For the time will come when men will not put up with SOUND DOCTRINE. Instead, to suit their own desires, they will gather around them a great number of teachers to say what their itching ears want to hear."
II Timothy 4:3
"Because your sins are so many and your hostility so great, the prophet is considered a fool, the INSPIRED MAN a maniac."Hosea 9:7-8
Your credit score is a key factor in determing if you can get credit, and at what cost. Lenders are relying on "credit scoring" to determine your credit worthiness.
What these scores measure is how likely you are to repay your obligations and debts -- and are the main factor that determines if you get loans and credit, at what interest rates and at what cost.
Your credit report affects more than your financial life. It could affect your education, career and even your relationships. Your credit report is used not only by lenders and creditors, but auto, life and home insurers, future employers and even some educational institutions.
It affects the rates you'll pay on everything & below is a "pie-chart" to see the percentages of the area of your life Credit Bureaus base your FICO Score & credit worthiness on:
From life insurance to homeowner's and car insurance.
It may tell a school if you're a good risk for some student assistance programs.
Some employers check your credit worthiness to determine if you'll get the job or not.
Relationships can become strained if past credit problems were kept hidden by one partner.
Pay your bills on time if you can. And it does pay to know how the system works.
How Do I Get My Credit Reports From The 3 Major Credit Bureaus?
The (FCRA) states that you are entitled to receive a disclosure directly from the consumer credit reporting agency free of charge, if:
You certify in writing that you are unemployed and intend to apply for employment within 60 days, or You are receiving public welfare assistance, or You have reason to believe your consumer file contains inaccurate information due to fraud, or You have been denied credit, insurance, or employment within the past 60 days
You may request your credit report from the below following bureaus & if you don't qualify for a free report with the above qualifications, they are only $8 per credit bureau:
So, Ask Yourself, What Do You Desire Most Out Of Using Coleman's Independence Institutes Services?
A fabulous new home?
To live in a nice, safer, & better apartment complex for you & your family?
Do you want that fancy new fully loaded tricked-out car or truck you always wanted?
Do you want to be able too go to any bank & borrow cash?
Or do you want to finance acres of land - no money down with the fenced in pond, so you and your family can go fishing, LIVE GREEN, live off the land in your on privacy & to build your new home on?
Or do you want that new job at the bank or financial institution or better yet qualify for that very low interest student loan that can be paid off 3 - 7 years sooner, because more of your payments will be applied to the principle instead of the interest?
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If you call today @ (903) 257-5936, we'll give you a FREE consultation in order to determine if your credit score can be improved with our Credit Analysis and FICO Score Enhancement services. If we don't think that your credit will benefit from our methods, we'll tell you so. As members of the ECRA, our focus is on giving you a fresh start with clean credit, not making a hefty profit from your mistakes.
The cost of cleaning up your credit is NOT going to cost you $1,997, what some credit repair rip offs charge, in fact most legal assistants will charge you anywhere from $1,200.00 to $2,000.00 altogether to fix your credit. Don't believe the hype when some credit repair services or legal assistants offer you a $59, $79, or $99 monthly plan thinking you are getting a bargain. Lets do the math here, some will linger you own for 12 to 18 months at $59/month x 18 = $1,062, or $79/mon. x 12 = $948, or $99/mon. x 12 = $1,188.00.
They will delete one or two negative items & then run off with your money stating they got you some hellava results, with no intention of following their services all the way through. Less not talk about the "fly-by-night" ones at $199 in Louisiana near me that advertise heavy on local radio stations - take your money then go out of business without doing any work for you or even hurt your credit worse than it was to begin with. Not many can repair your credit for only $199, most of the time ones radio advertising overhead will eat that up in a heart-beat. Do you really believe they're going do it for FREE with no profit?
Again, people please look at the "Big Fix" Ooops another typo; I mean the "Big Picture"!
The cost of cleaning up your credit with our Credit Analysis and FICO Score Enhancement Service is only going to cost you a flat rate processing fee of only $597 one time cost nothing more.We will be on retainer for a full 12 months for you!
Don't frett, or you can pay us two easy installments 30 days apart of only $298.50processing fee, then the other half 30 days from contract date.
Yes, Coleman I would like to pay the flat rate processing fee of $597 and receive the FREE BONUSES worth over $2,801.00
Yes, Coleman I would like to pay (2) Easy Installments of only $298.50each. The first payment, which is the processing fee, due immediately and the second one is due 30 days from contract date. Plus you receive all FREE BONUSES!!!
We do except postal money orders, cashiers check, personal checks, & cash by mail at: Brad Coleman dba CII, P.O. Box 46, Atlanta, Texas 75551USA
You may print out and mail in your order form by clicking on order form.
P.S. -Remember, there's no obligation when you call, and if we don't think we can help you improve your credit score, we'll tell you so. Personally, I put the money I'm saving on finance charges into a college fund for my kids. What will you do with yours?
P.P.S. Don't forget the FREE BONUSES valued at over $2,726.00 for signing up for our Credit Analysis and FICO Score Enhancement Services. HURRY because we can only except so many clients in any given month! Remember we're now offering a $100 referral fee for good leads upon signup.
Collections 
My low credit score kept me from buying a house - instead, I rented from a landlord and raised their net worth rather than my own.
"A 3 Exciting days and 2 Fun Filled nights at a 4**** Hotel vacation stay at over "90" of the Best Resort Destinations in North America" - The folks that will be booking your Free Hotel Rooms... will send you a 
