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	Each question and answer below have been taken from an actual email and reply between a consumer with credit problems, and the author of the kit!
*Click on any question below, and see the author's reply!*

#1	Not only do I have bad credit, but I owe a lot of people money, will your kit work for me?

#2	Will your kit remove credit inquires?

#3	Can you do anything about unpaid debt, or should I file bankruptcy?

#4	This sounds like a scam, and besides, I thought bad credit stays on your report for 7 years, if it is for real, does it work in all 50 states?

#5	Your kit sounds great, but I am in my 2nd year of chapter 13 Bankruptcy, and I was told by a friend that I could get a new social security number or tax identification number and have NEW Credit, is this possible?

#6	What does your kit consist of... like what actually comes with the kit?

#7	Is this for real? How do I know if you are not just some scam artist who doesn't know squat about credit repair?

#8	Hi! I saw your kit online, and was wondering if it works with tax liens?

#9	I see that you have a 30-Day Money Back Guarantee, but wouldn't it take longer than 30 days to clean your credit?


Email #1 How can this work for me? Not only do I have bad credit, I owe everybody and their brother money; Sears, student loan, Columbia Gas, etc., thousands of dollars that I had accumulated over 3 years ago. I now have a pretty good job $35-$40 thousand a Year, but I have no idea how to even start paying these bills back. I thought about going to credit counseling, but I don't want to get locked into something. My goal is to build a house. I have the land and the ability to make a house payment, but my credit is so bad that I feel like it will never happen. I am tired of paying rent for what could be a house payment. I was given credit cards with a minimum wage, part-time job as soon as I had enrolled in college. I thought it was the greatest thing in the world then, but now I am 29 years old, and I realize that these companies are just taking advantage of college students, and really screwing up their future credit. I would willingly purchase your kit if you could reassure me that it could help my situation.

Author's Reply to Email #1 This kit it almost a perfect product for you! The reason I say this is your situation resembles the situation that I was in when I began repairing my own credit. I agree, with you about the credit card situation and college. The very same thing happened to me while I was in college and that is what prompted my career in credit repair! One of the first things you need to do is take care of the student loan. This is a very quick fix and can actually help your credit within 6 months. You can actually make payments for 6 months and it will be removed from the default status and reported on your credit reports as if you had never missed a payment, perfect status. This is an incentive from Uncle Sam to encourage defaulted student loan holders to take care of their obligations. Second, DO NOT pay anything off just yet, WAIT! You need to evaluate each and every item to make sure that you will not damage your credit even further by assuming the best thing to do is pay everything off. Our book teaches you what to pay and what not to pay and why. In most circumstances you can actually damage your situation further by paying-off a creditor. There is something referred to as the 7-year cycle. This is the amount of time that a charged-off or delinquent account can stay on your credit report without any monetary activity. By just sending in a payment or signing an agreement to pay, you automatically restart the 7-year period from the date that they receive the monies or signed document from you. You need to get your money together and start playing "lets make a deal" with each and every creditor that you have that is derogatory, but first you need to play the dispute game first. After all disputing has cleaned up its portion of derogatory items you then start negotiating with creditors. By doing this you can negotiate all of the negative items off of your credit report, how is this you may ask? You have what they want and they have what you want. Creditors or collection agencies want money and you want a signed letter vowing to remove the negative items from your credit report. This is how it is done, and believe me it works, cash-money is a very powerful bargaining tool! If you have the money and your accounts are 3 or more years delinquent, you have an excellent chance for some very quick and most impressive results. I love your type of problems because my kit is designed based on your exact scenario and you make me look really good. You need to really go out on a limb (sarcasm) and gamble $40 on a worth while opportunity to change your entire life!
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Email #2 Will your kit remove credit inquires? I shopped around for a new car and ended up with a lot of inquires that are now hurting my credit.

Author's Reply to Email #2 Yes, Inquires can be a real problem for a lot of people. Funny that you mention car dealerships. I specifically talk about car dealerships and inquiries in the book. This is how a lot of people can acquire about 8 inquiries in one day. The dealerships shop around your credit report, each check with the credit bureaus to see if you qualify for their standards. Most Inquires stay on your credit report for a period of two years. The inquiries that break this rule are inquiries by an existing account such as a visa that is simply checking your current credit status to either make sure you are still a good credit risk or to increase your credit limit. These type of inquiries stay on your credit report for 1 year. You can get rid of the inquiries three different ways. The first by disputing the item under the premise that you have no knowledge of the account and it is misreported. The second by contacting the company that put it on your report and telling them the same thing and that it is effecting your credit report and must be removed immediately. Have that company fax you something stating that it should be removed. The third way is to wait until the two year period is up and dispute it off under the premise that the information is outdated and no longer relevant. Our book shows you step-by-step how to do this and provides you with samples and examples and the forms to do it all. It teaches you this and to much more to mention that the credit bureau wish you didn't know. Do yourself a favor, order the kit, and get this process going now! You'll be so glad you did!
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Email #3 Ok you say you can fix bad credit. But can you do anything about unpaid credit card debt & medical bills. I am unable to pay the amount of debt I have occurred. Will your program help me or do I need to file bankruptcy.

Author's Reply to Email #3 A bankruptcy should always be the very last thing you should consider, and YES, our book can help. There is a whole section dedicated to debt reduction that details 8 different methods that one can use to reduce debt before doing anything as drastic and detrimental as a bankruptcy. First of all never run from your problems. You need to contact every creditor that you have and talk to them. If you explain your circumstances you will see that they can put you on a plan to help relieve your debt without destroying your credit. For instances, a credit card company can suspend all charging privileges on your account, without totally closing it, and put you on a payment plan that will drastically reduce your payments almost by 50%. It is more advantageous for the medical billing companies and other creditors to work with you on payments to ascertain all of the owed debt than to sell off your account to a collection company for a smaller percentage of the amount owed. This is not always the case, because some companies would rather sell off your account than deal with all of the hassles of billing, but our book can help you deal with those types of companies as well. Avoid a bankruptcy if at all possible and work out the problem, don't run away from it. Our book can definitely help you if you want to help yourself.
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Email #4 This sounds like a scam, and besides I thought bad credit stays on your report for 7 years, if it is for real, does it work in all 50 states?

Author's Reply to Email #4 The credit repair kit is applicable for all 50 states including Guam & Puerto Rico. The kit has been sent and used effectively by many of our armed forces personnel as far as Japan, China and Germany. The truth is the book has been offered on TV and has helped literally tens of thousands of consumers with their credit dilemmas. The book has been offered nationwide for the past five years. Thanks to the internet we are now getting much more exposure and recognition as the nations leading resource for all credit matters. Everything in the book is based on facts, the law, and actual true experiences. It is 100% legal and parts of the book have actually been contributed by some of the lawyers of the two law firms that we are affiliated with. We are not a company that is trying to scam anybody, but rather a company that has found a way to help the consumer by providing legal and effective ways to use the credit laws that were established by the Federal Trade Commission to the consumers best advantage. Negative marks on your credit report will remain there for 7 years from the date of last activity, and possibly longer, unless you do something about it. I encourage you to use the laws and the dispute process to remove information on your credit report that you believe may be misleading, questionable, outdated, incorrect, or you believe to be in any way misreported. I am sure you can find something wrong with a large percentage of the items on all three of your credit reports. There is almost 99% of the time something questionable about your credit reports. If senators, NFL football players, and millionaires use this book effectively to remove bad credit items NOW, so can you. Yes, this kit can help you to avoid waiting 7 dreadful years.
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Email #5 Your kit sounds great but I am in my 2nd year of a chapter 13 Bankruptcy and I was told by a friend that I could get a new social security number or tax identification number and have NEW Credit, is this possible?

Author's Reply to Email #5 First of all getting a second social security number is totally illegal and we highly recommend that you don't involve yourself with anything of that nature. A lot of the individuals selling or claiming they have information of this type are usually just ripping off desperate consumers. Those that are actually doing this will go to federal prison when caught. We don't promote nor do we condone any such process. On the other hand, our kit has been successfully used to remove even bankruptcies. You may ask how is this possible and how can it be legal. It is totally legal and performed everyday. How it is done is by using the credit laws to your advantage. You have the legal right to intervene into the processes of the credit bureau at any time to make sure that the personal information that they are selling about you is absolutely 100% correct. You can challenge almost everything on your credit reports even bankruptcy items and total bankruptcies, legally. It is very common for human error to be a factor in a great deal of the items on your credit report. It is your job as a weary consumer to scrutinize every part of every item for any possible errors and believed errors. Once you find one or believe you have found one, it is your right within the law to dispute that item and make the credit bureau prove that this item is reported exactly as it states. If for whatever reason, in the case of public record items such as a bankruptcy, they cannot verify the information as being 100% accurate they have to remove the item per your request. A frequent scenario is they are understaffed to handle such requests. Maybe the information has been archived and their computer records are backed up and it requires to much time for them to restore those records. Whatever the case may be, if they cannot get that information within 30 days, it must come off if you request it. Just as if you go into a courtroom to fight a speeding ticket and the officer does not show up, the ticket is dismissed and all charges dropped. Why, because you are innocent until proven guilty, make them prove it or make them remove it. This is the beauty of living in America; you might as well use your freedoms to your advantage or if you want, you can just sit back and suffer the consequences, but don't complain because you are the one who chooses to do nothing about it!
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Email #6 What does your kit consist of... like what actually comes with the kit?

Author's Reply to Email #6 "As seen on TV" The Do-It-Yourself Credit Repair Kit it basically a very simple to understand Book, plus it comes with a very helpful interactive CD ROM. But this in not just any book. It is an EYE-OPENER! This is not some little $10 paperback that tells you a lot about nothing... you can buy a number of those worthless, outdated books at any book store. This Book reveals the credit repair process step by step, informs you of your rights and teaches how to DO IT! And it is a great resource not only for Credit Repair, but also for Debt Consolidation, Bankruptcy, and Re-Building your Credit! The Book itself is a complete educational resource, and by far worth well over the 39.95 that we sell it for; this information can truly transform your quality of life... how do you put a price on that? We cut strait to the chase and show you how to get results! It is like no other book on the market because of it's true to life examples and audacity to let the cat out of the bag. Almost every other book on the market simply preaches the law because they are afraid of criticism. This book holds nothing back and shows you how to test the limits of the law. We don't preach, We teach! This laminated soft cover book is comprised of 11 chapters of experience, instructing consumers with step-by-step examples and samples on how to legally and effectively rectify credit dilemmas from all three of their credit reports. It also teaches consumers (8) different techniques for reducing debt and rebuilding credit, how to stop debt collectors with a single letter, reduce bankcard interest rates in 5 minutes, and every legal credit cleaning technique the credit bureaus wish you did not know. It is 100% legal and referred to by several law firms. It is also used by many mortgage and lending institutions across the nation because of its effectiveness to quickly get results for its users. Satisfaction Guaranteed or your money back! What else can I say? Many are still under the impression that if something is placed on their credit that it is forged in time for a period of 7 to 10 years. Well it is, and in some instances for longer periods of time, unless you do something about it! Our nation is built on a system of checks and balances and the premise that you are innocent until proven guilty. The credit bureaus are non-government-affiliated companies selling your personal information for a profit, so make them earn their money! Laws such as the fair credit reporting act, written by the FTC, states that the individual has the right to intervene into the practices of the credit bureaus to make sure that the information that is being distributed is absolutely 100% accurate or NOT DISTRIBUTED! Make them do their jobs of verifying the information. The Do-It-Yourself Credit Repair Kit will teach you how to do it effectively and legally. PLUS for all internet users, A free CD-ROM accompanies each book. The CD contains all of the necessary forms and letters that you will use from the book, in word document files, so you can print them from your computer! We also filled up the rest of the CD with over 100 FREE fully licensed computer programs (utilities, games, productivity, etc.) plus hundreds of links to more free stuff and important credit information on the net.
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Email #7 Is This for real? How do I know if you are not just some scam artist who doesn't know squat about credit repair, and is just after my money?

Author's Reply to Email #7 YES! THIS IS FOR REAL! We know that there are a lot of scams out there, and you have to be careful! That is why we have our address and phone number on the website, so you can get a hold of us with any questions that you may have.

But Let me tell you this... The Do-It-Yourself Credit Repair Kit was written by a consumer for the consumer. After dealing with all of the tribulations, runaround, and hassles of resolving my own credit problems, I found my calling and spent the next 11 years of my life uncovering the process of credit repair and making it my life!

It is becoming a little easier to deal with the credit bureaus in modern times, but when I first started my career in credit repair 11 years ago, it was a much different story. Back then there was more resistance and you had to be very creative and spend a lot of time on the phone, researching and you had to be very persistent, and I put my time in... I was constantly bombarded by friends and family who asked me to fix their credit too, and as a result, I soon became an expert at it, and made it my career!

After 6 years of professionally repairing credit, and dealing with every credit dilemma imaginable, I decided to take the advise of a lot of people and write a book about it. That was over 5 years ago, and I have just revised the book with the latest updates in the industry, plus I have added even more information on debt consolidation and bankruptcy. If you are thinking about bankruptcy or have a lot of debt, there are some very important things that you need to know before you make a big mistake!

Anyway... Based on true to life experiences, this book contains the most effective methods for resolving credit issues, and is outlined with easy to use step by step instructions. You can't go wrong with this product, I stand behind it, and with a 30 day money back guarantee, what have you got to lose?


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Email #8 Hi! I saw your kit online, and was wondering if it works with tax liens?

Author's Reply Email #8 Yes this kit may help you help you with tax liens, but Uncle Sam can come after you in a lot of different ways. You may be able to get the tax lien from being reflected on your credit report, but it does not relieve you from the obligation. I have helped people remove these public record items by using the dispute process, but at the same time I have seen the government go after these people in numerous ways such as intercepting their tax returns, garnishing wages, and seizing property and bank accounts. Uncle Sam can be easy to work with and can be accommodating if you contact the IRS by phone to workout a deal. Just remember to limit the information that you give to them and be as nice as you can be, and you will greatly enhance your chances at working out a deal. These strategies and more are detailed step-by-step in the Do-It-Yourself Credit Repair Kit!
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Email #9 I see that you have a 30-Day Money Back Guarantee, but wouldn't it take longer than 30 days to clean your credit?

Author's Reply to Email #9 Yes it will take you at least 5 to 6 weeks before you see the first couple of bad credit items disappear from your credit report. But remember, credit repair is an ongoing process that will take at least 5 weeks to several months depending on how bad your credit is. But that is sure better than 7 to 10 years! So why only a 30-Day guarantee? The answer to this is very simple. We guarantee your satisfaction of our kit, not the time that is takes for you to repair your credit. So review the kit when you receive it, and if you don't think it is everything we say it is, then return it... NO QUESTIONS ASKED. We know the kit works, IT HAS BEEN WORKING FOR OVER 7 YEARS NOW! But it doesn't work if it just sits on a shelf. You have to open it up and use it's simple step-by-step methods. So use the 30-day period to evaluate the kit and read the book. It is a very simple book to read, written in straight-forward, simple english! After you read the book, we know you will not want to return it! Our return rate is next to nothing! So review it as soon as you get it, and if you don't think it will be of any use send it back for a full refund less shipping and handling. The information that is contained within this kit, will not only enlighten you but it will shock you as well. There is a lot that the average consumer does not know when it comes to their credit and their rights. The information and knowledge that I have uncovered from the last 11 years of my life are contained in this kit, and what you will learn from it, and what it can do for your quality of life is well worth $40. We don't believe in ripping people off, and we truly believe that once you open this book and try out some of the software that we include for free, you will agree that it is a fantastic deal, and a very valuable tool. I'll bet you'll even hesitate to lend this book out to your friends, let alone sending it back to us. But please do show your friends this life changing information! It will make you feel great, we you see how what it can do for them!
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