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Then as if life had not given her enough burdens to bear, the company where she had worked for 15 years downsized and she lost her job.

It wasn’t Elaine’s fault that she was soon buried in financial trouble with no way out. Her credit report became a mess and her credit scores dropped to an all time low. 

Years later Elaine fell in love with a small house she accidental stumbled upon one day. 

She called about the house having no idea how she was going to be able to buy it for herself.  Her angels must have been guiding her because she happened to call someone who had made a mission out of helping good people raise their credit score.  That person was me.

After following the instructions she was given to improve her credit scores, Elaine soon celebrated Christmas in her new home.  It was the first time in her 51 years that she had ever owned a home of her own.  Tears streamed down her cheeks as she was handed the keys and walked through the front door of her new home for the first time.

Plus her improved credit scores allowed her to get a new car and save $88.00 a month on her new car payments.

All of this would never have happened if Elaine had not had the privilege of knowing "The CreditLady’s" tips and techniques for raising her credit scores.

You too can have a new home, a new car and more with the techniques you learn about how to improve your credit score with Credit Score Freedom.

OK, Let me introduce myself.  Those that I have helped call me "The CreditLady".  And I am here to give you some very insightful and little known secrets for improving your FICO score.  

I have been a Mortgage Loan Consultant for years.  I have guided many people in making their FICO scores sky rocket. 

Early on in my career I became extremely frustrated and just plain out mad when I realized that good people just really have no place to turn to get real honest help with their credit problems.

I tried referring clients to Credit Repair Specialists and was really disappointed with the advice they were given.  In most cases their scores when down instead of up.

So I soon took matters into my own hands and resolved to help as many people as I could get their life back on track, have the things in life that they desire and regain the respect from others that they deserve.

As you can see from Elaine’s story your FICO Is Just
Like Having Extra Money In The Bank!

Not only that, you gain awesome respect from
others.  Doors of opportunity begin to open wider
and wider for you each day.

Imagine how much better your life would be if you had access to more money.

Everyone desires a better life.  You may think your problem is that you just don’t make enough money.  When in fact what is really holding you back is your credit score.

Don’t let your FICO hold YOU back another day?

Just about everyone who can, buys things on credit.  And those with good credit scores pay a lot less for things than those with bad scores.

A car payment for a new $24,000 car will be $690.43 for someone with poor credit and $469.59 for someone with good credit. 

That is $220.84 a month less that the person with good credit pays for their car payment than the person with poor credit. 

Over a five year period the person with good credit pays out $13,250 less than the person with poor credit. 

This is $13,250 that this person can use to buy more nice things they desire for themselves and their family. 

A house payment on a $150,000 home will be $528 a month less for the person with good credit than the person with poor credit.  And now adays the person with poor credit may not even be able to get a mortgage at all.

What could you buy each month with an additional $528?  Over the 30 year mortgage period this will amount to a difference of $190,000.  The person with good credit will buy a lot more things for themselves and their family with that extra $190,000 saved on their home alone.

The savings doesn’t stop with your car payment and house payment.  The poor credit person pays more for credit card interest, bank loans, retail store items bought on credit, etc.

Cell phone companies require a large deposit from someone with poor credit scores and this is just more money that you don’t have available to spend on other things you desire.

The bottom line is that people with good credit have more money to spend than people with poor credit, because they pay a lot less for everything that they buy.

Some people think that everyone else makes more money than they do.  Not really.  They can have more because they pay less.

 In this day and time to have all of the things that you desire out of life, it is almost essential that you buy items on credit.  Very few people pay cash for a new car or a new home.  Even the wealthy want to use other people’s money for all of their investments so that they can retain their cash for themselves.

So where do you stand?  Do you just barely get buy from pay check to pay check?

• Do you rent?
• Do you want to buy a new home?
• Do you need a new car?  
• Do you want to take a nice vacation? 
• Do you just want more food on the table?
• Do you want to send your children to college?
• Do you need a new wardrobe?

Are YOU paying too much for the things that you do have, simply because your credit scores are poor?

Isn’t it time to let the proven methods in Credit Score Freedom make your dreams come true?

Like Elaine, you CAN raise your credit score and have a better life.  Yes, you may have made some mistakes in the past that have had a negative impact on your score.  But you don’t have to continue to pay for those mistakes the rest of your life. 

There are ways to fix your credit score.  You just need some guidance on how to get your scores out of the muck.

And that’s where "Credit Score Freedom " can help.

Paying off a bunch of old collections is not the answer.  And if you have not tried to increase your credit score in the past because you think you need a lot of money to pay off all those old collections; then wait no longer.  Paying off all your collections will probably lower your score anyway; not raise it.

I want you to have your dream home, that new car and all the other good things in life that good credit can bring you. 

When I first started working as a mortgage loan consultant I found that I had to turn down many applicants for new homes because their credit scores did not meet the minimum required to get a mortgage.  Or, if their scores met the minimum requirement, it was still so low that the interest rate they had to pay just to get into their new homes was almost twice as high as someone with good credit scores.  The higher interest rate would often keep them from even getting the loan at all because the house payment would be so high that they could not qualify because their debt to income ratio was then too high.

For instance, Jessie had a monthly income of $2002.00.  She only had a car payment of $319.  The house she wanted to buy was $84,900 including the closing costs.  Because her scores were so low the interest rate that she would be charged would make her house payment be $218.88 higher than if her credit score was good.  This house payment of $876.61 along with her car payment made her debt to income ratio to high to qualify for this small home that she so loved.  Had her credit scores been better she could have easily qualified.

The other thing that I begin to notice was that the people with low credit scores would have to pay much, much higher rates for their home insurance.  I had one couple that was quoted $1605 for insurance on an $89,000 house.  I asked the insurance agent why it was so high only to be told that insurance premiums are also credit score driven and that this couple’s low score was the reason for their high premium.   Insurance for this priced house should have been around $580.

I was personally meeting and talking with all of these people and would feel their disappointment when their loan was denied.  I could also see that with very high house payments, very high insurance payments and very high car payments that it was almost impossible for these people to ever get ahead in life.  Life would always be an uphill struggle for them. 

I began to realize that people with good credit have more money to spend on things that they want because they pay less for the things in the first place.

People who live in beautiful homes and drive fancy cars don’t pay cash for these things; they too buy them on credit. But, their good credit score ratings allow them to have more house for the same amount of money because their interest rate is much lower.  Take a look at the following table to see what I’m saying:

Price of House               Credit Score            Interest Rate              Monthly P&I

   $150,000                              580                        10.50                         $1,372.11