The Truth about Credit Repair

The TRUTH About Credit Repair...
-by Terry Price
(C) Copyright Terry PriceAll Rights Reserved

Have you ever wondered what companies send you when they claim you can erase bad credit overnight? How about those ads that say you can get any major credit cards without a deposit or a credit check?

Ads abound almost every where these days (online and off) selling books, systems and secrets to help you fix your credit. Many of these programs have claims which read like the covers of supermarket tabloids:

"In 3hrs my credit score jumped from 580 to 676!"...

"Erase bad credit and smash your debts with just 2 Magic Letters!".

Are these types of claims ALWAYS too good to be true? The answer is"Yes and... no".

While many people would love for you to believe the only thing that can fix bad credit is time; in reality... nothing could be further from the truth. The fact is, time is only one factor which can fix a credit report, but it's a far cry from being the only factor. How can I back this up? Easy.

Under a consumer protection law known as the Fair Credit Reporting Act (a.k.a. the FCRA) the only negative information which can remain on your credit report is not what is accurate... but what can be proved as accurate under the FCRA. What's this meanto you?

It means any negative item on your credit report can only remain there if it is accurate and CAN BE PROVED AS SUCH under the guidelines of the FCRA. This undisputable fact presents consumers with both good news and bad news.

The good news is that through the FCRA your credit score can most likely be improved dramatically in a very short period of time with only a modest amount of effort on your part.

The bad news is that while the actual "work" will take very little of your time, it is vital that you have good information on "how"to go about it. This is the bad news; 9 out of 10 courses on restoring your credit will do nothing more than lead you into snake pits because they will provide you with what the industry refers to as "Boiler Plate" dispute letters. These are nothing more than form letters and... quite frankly (more bad news) the Credit Bureaus and Creditors will laugh at you if you try to use them.

While I agree with the Federal Trade Commission (FTC) that "Anything a Credit Repair Clinic can do for you legally, you can do for yourself at little or not cost"... the key element you need for success is the latest inside techniques and procedures to get the results you want.

This involves strategies such as "Proof of Contract", "Constructive Notice","Challenge of Procedure" or"Restrictive Endorsement" and many others.

All these terms may "sound" impressive but they are really quite simple. In the end, it is nothing more than a method of communication which exercises your consumer protection rights, gets the results you want and raises your credit score. Even more impressive, once you learn how simple it can be by doing it for yourself, you will find there is a fortune to be made doing it for others!

Eitherway, it all starts by requesting a freecopy of your credit report here:
http://www.annualcreditreport.com/

In the next segment we'll talk about:
"Is Your Credit Score CostingYou A Fortune?"

The "CREDIT SECRETS BIBLE" has been in print since 1994 and is published by Consumer Publishing Group.For more information on the "CREDIT SECRETS BIBLE" you may visit:

http://tinyurl.com/3expxk

Review of Blogging to the Bank 2.0 eBook

By now I think most people in the world know about blogs.

What most don’t know as there is a great income to be made as well for free.

Rob Benwell is only a mere 22 years old and has already made a fortune using this method. Early last year he sharing his secrets with the world in his highly successful Blogging To The Bank ebook and has made making money online a whole lot easier for everyone.

Just over a year after the success of his first book he is now releasing his second helping to wet our appetites and keep the fat bucks rolling in.

I got this book and soon as I could and it covers quite a lot of new information and techniques to adapt your blog to the new demands of the major search engines. Many of the techniques in the old book are now dated and don’t work so well. This is why Blogging To The Bank 2.0 is a godsend.

Also this guy doesn’t consider himself to be a “guru”, he’s just a normal guy who wants to help the little guys out. I find this a nice change as he doesn’t talk “down” to you like most of the other guys do. He explains everything in a nice simple manor so everyone can understand.

Saying that when he “goes off on one” it may take a few reads until you get it but when you do it’s just shear genius. Some of the topics in my opinion could have been covered a little more, then others went into great detail. You also get his 5 blogging commandments that you must follow to give you blogs the greatest success. This should be printed out and put on the wall of every online marketer without a doubt! His book starts off with market research (so that you are making the most of your time) to building your blogging empire. Everything is covered in this new outing that helps bloggers withtodays online issues regarding making the all mighty search engines happy.

Final Verdict: if you are out there in the blogging world and want to make money the easy way then I highly recommend Blogging To The Bank 2.0.

Why work harder than you need to as the new techniques are there ready for you to simply implement.

Blogging to the Bank 2 - Honest Review

Blogging has been around for a few years now. Most people use blogs to record their thoughts and lives, while the select few use them as a free way to make a fortune.

One guy who uses this to his advantage is Rob Benwell. Last year he dished the dirt on the tips and tricks to making a fortune using blogging. But as time passes the old systems become obsolete and new techniques are required. This is where his brand new, fresh off the press blogging to the bank 2 system comes into play.

For those who know who Rob Benwell is, you’ve probably made a killing using blogs.

For those who don’t, he’s the story:

Back in 2005 he was struggling to make any profit online, had dropped out of college and was getting deep into debt. He was trying all the techniques the gurus tell you and wasn’t getting anywhere fast. All of that went in the bin and he started using his own techniques and started making more and more money using simple blogs. In early 2006 he shared this with the world and had a great ebook called blogging to the bank. Tons of people got rich from using these techniques (I'm on my way). He then spoke at Online Marketing Legend Yanik Silver’s underground Seminar where he revealed even more of his underground strategies.

But as I said earlier, the techniques used in that ebook are now showing there age. Some of them are not even working in the slightest! This is where blogging to the bank 2 comes into play.

It’s full of great new techniques that work online right now! Everything’s explained in plain English with all the fluff cut out. I got hold of an advanced copy of the book for a much higher price than what it actually sells for and it has been worth every single cent! I got it in the afternoon and by the evening I was creating new profitable blogs. Within a couple of hours of them being active I had made a nice little profit.

Blogging To The Bank 2 teaches you Robs new step by step blueprint to creating highly profitable long term niche blogs using the newest optimization techniques. There’s even a section on advanced Search Engine Optimization. Most people think SEO is difficult but Rob explains this nice and simply so even the blogging newbie will understand it.

Blogging To The Bank 2 is a breath of fresh air and I highly recommend it to anyone wanting to make easy money online.

Click below for more information about this system

http://tinyurl.com/3bnyrt

Is it Still Safe to Invest in Real Estate?

This is the question popping up more often than not among those wanting to start out in investing in real estate. I believe this is a question for anyone not having the knowledge needed to invest so there is a definite FEAR factor involved! I talk to not so knowledgeable investors that are going to wait for the market to improve before they continue to invest. Bottom line if you're a newbie or you feel you're a seasoned investor, if you don't possess true real estate knowledge and understanding you'll be missing the slices of the pie of real estate you knew nothing about! Other words, if you aren't able to recognize the cycles of real estate, you'll miss out on making profits in real estate. It's a must if you're a real estate investor to be able to make profits no matter what the market is projecting or doing! Some are feeling it's not a good time to invest because of all the Sub Prime Lending companies folding and the huge fear that Country Wide's news was projecting to the public. But then there are the investors that have the knowledge to make profits no matter what the market is doing and recognize what time it is and proceed to do business as usual but another way they've learned. At any given time the cycle of real estate investing may mean you need to use another technique during this cycle because the one you were using isn't working as well now!

CREATIVE REAL ESTATE

True investing in real estate requires one to have the necessary knowledge and tools at ones disposal recognize what cycle the industry is in and either use the tool they've been using or if things have changed then they posses the skills to use another tool in investing they've learned. It's not like being a real estate agent where you primarily concentrate on listing a property to put a sign in the yard or concentrate on buyers to purchase your listing. Being an agent is pretty much set on the mission and it's pretty much the same across the board with highly seasoned agents doing lots more.

In the world of real estate investing you have to know more than one tool to generate profits. If not then you have to wait for the cycle to change back into the only thing you may know, whatever that may be. A true investor is licking their chops as always because what a perfect time, like anytime, it is to invest in real estate. This is the time where you can be as creative as you have the knowledge to be and profit. 1.) If you understand negotiating with banks for shotsales, 2.) if you understand lease options and having a 'Lease Option' business, 3.) if you understand wraps and subject to's, 4.) if you understand the rehab business, 5.) if you understand owner carries and owner finance and 6.) of course is understand renting, if you posses the knowledge and understanding to do all six of these tools then you can generate all the business you can keep up with. There is more to real estate investing than purchasing a property through an agent so you can find a renter that will pay you $100 to $200 a month more than what you pay on the mortgage note! If this is what you are doing then you are what is called a 'bottom level' investor. When you lack true knowledge and understanding this is the kind of real estate investing you find yourself doing and eventually you get burned out because you are a Landlord! There isn't a real investor that doesn't want to put up with the phone calls all hours of the day and night for $100 to $200 every month. When you have the knowledge and understanding you develop the confidence to earn profits in the market no matter what cycle it's in! There are a few more pieces of the real estate pie and they are 7.) bird dogging, 8.) commercial and 9.) pre construction investing. These areas are fantastic and rewarding also but once again you need considerable knowledge and understanding. For most of the visitors we'll concentrate on residential properties to invest in. There is one last slice of the pie we'll discuss and this is what I call 10.) Hands off investing! This is where through agreements and discussions an individual can invest funds and allow me to do the work with my knowledge and understanding in investing in real estate. If this is something that interest you then please contact me directly by email at properties2000group@hotmail.com. I am currently developing a business requiring associates through my company part time or full time, your choice, to generate a substantial income with this program. The final touches to the program are almost complete and then I'll announce the launch date. It will be spelled out and will not require a reators license to perform.

I will be writing about each of the creative tools I've mentioned above and also the hands off investing and the soon to be Associate Program in my postings also. Take care!

Great Tools to Make Money

Generating cash can be easier than most people think! We all want to be able to live what is comfortable to us and that depends on what that meaning is to each individual. We are all different so our level of comfortness or wealth will have different meanings to us all. To some it may mean a mansion with expensive fancy automobiles and millions of dollars in the bank. To others it may mean a more modest home with less expensive automobiles and enough money in the bank to do the things one desires. Regardless of what living comfortable means to an individual the end desire of just being able to do what you want and live a lifestyle comfortable to you is what we all strive for. To be able to take longer vacations to places around the globe. To afford your family the securedness of having a better way of life and no worries. We all know that having a job is not going to truly afford these thing we desire. A job can be taken from you at any moment due to downsizing or a company going belly up! We all want to do our own thing to accomplish our goals. The problem is knowing what it is we want or can do! It seems we are in a time where there are more millionnaires create today than any other time in history. What is it that is creating this wealth?

Real estate is still one of the best means of doing this because there is so much you can do to accquire wealth. Investing in real estate is like taking a slice of the pie. What I mean be this is there are lots of slices to choose from to obtain wealth in real estate. You can focus on doing what is called fix and flips where you find ugly houses and purchase them way below market value and then fix them up to sell for market value. You can be what is called a birddog where you find properties and get a purchase contract with the owner ensuring you have a clause that enables you to allow someone else to step in your shoes and simply flip the deal to another investor and pocket money and let that investor do the fix up and sell the property. There are lease options where you purchase a property for under market value and then allow an individual with less than perfect credit to lease the property from you and then purchase when the term is due in the contract you create with them. You generate three profit centers this way. You profit in the front, during the monthly lease and of course the bulk when you sell the property to your client. There are tons of foreclosures in this country and in some states more than others. This is where the owner of a property for some reason (not always their own) is about to loose their property. This is the pre-foreclosure or foreclosure aspect of real estate investing. When the banks take back a property this is bad for them in most cases. Banks are not in the real estate business but in the lending business. They don't really want to take back a property. This is not good on their books! This is where the business of short sales is created and in most cases huge profits can be generated. There are other avenues of creating wealth in real estate such as wraps, pre construction, real estate consulting (helping those with the funds but not the time to invest) and working agreements with small builders in helping them find potential home owners. Either slice you choose in real estate can help you achieve the wealth you desire and as in all cases of doing your own thing you should know the business you're performing! You have to acquire the education needed to perform these tasks and once you do you can live the lifestyle you want for you and your family! Trying to do either of these tasks without the knowledge is like jumping into a swimming pool and not knowing how to swim. YOU will SINK and probably DROWN! If you don't have the necessary skills or knowledge to do any of these things the best thing going is for you to invest any liquid funds you may have with someone that does understand and has the knowledge. It's a very safe investment for the individual that has everything (contract agreements) set in place and a good way to generate wealth without doing anything but providing the capital and let someone else do all the work. What a concept! Real estate has been good no matter what the economy is telling us. If you have the knowledge it doesn't matter if the economy is good or bad you can create wealth. You have to know the cycles in real estate. Those without the knowledge think the only time you can generate wealth is in an up market so when there is a down market they are lost and wait until the market swings upward again. In the meantime the savvy investor (with the knowledge) is plugging right along and prospering no matter what the market is doing. During stock market crashes those individuals that diversified and had their investments in real estate also are the ones that rebounded and those that had all their eggs in the stock market well you get the picture. It's about choosing a niche for you and getting educated correctly.

The internet is the new creator of wealth for individuals and there are tons of ways to accomplish this also. There are so many ways to generate wealth on the internet it can make you dizzy. There are seemingly an endless number of internet gurus bombarding the internet with what they call the sure fire way to wealth. I couldn't even begin to estimate how many gurus with their systems for you to purchase. The thing is they all sound good but we know this just isn't the case. You have to be very careful I feel when choosing to follow in an internet gurus foot steps to generate wealth for yourself. Before you purchase a system you'd better first understand how to run a business from the internet. Secondly you'd better understand the market, third the product you want to offer, fourth the traffic you want to market to! You can have the best product since sliced bread but if you don't know how to market it, bring traffic to you and not just any traffic but traffic from those wanting or looking for what you have to offer then you may as well hang it up. You need to get educated about the internet business and know how to set up an internet business. You need to ensure you learn or have a niche business and get that running before you try many at one time and then get burned out because you simply didn't take the time to learn about the internet. What else is true is if a deal from a guru sounds too good to be true..... you get the idea don't you? Don't get me wrong, there are legitimate internet gurus that truly want you to succeed and there are gurus that don't care if you succeed or not just as long as you purchase their system. You need to research those so called gurus and not listen to all the hype they generate. You know the classic, "I was living in the street, thousands of dollars in debt, at the end of my rope, and then suddenly it hit them and they discoverd the perfect system that turned their lives around in less than a year! I'm sure you've heard or seen these stories. There are hundreds of the same stories out there on the internet. You must research the guru before you take the product or system and then be taken yourself...if you know what I mean!

I've been listening to real estate and internet gurus for years and have been taken by some of them myself and it's not good especially when your funds are hard earned, not easy to come by and lastly not that many funds in the first place. A lot of these so called gurus play on our psychic and say the right things to bait us in. I'm not saying there aren't more genuine internet gurus on the internet but the one that I've choosen and researched is Ewen Chia. Ewen is known and respected all over the world for being a genuine internet guru. I trust his products and systems and he actually teaches you how to be successful. You don't find a lot of them doing that. He helps you to understand what it takes to first understand the business and then how to run an internet business. If you don't have a system or product to sell on the internet yourself I truly believe the best way to generate wealth is by becoming an internet affiliate of a internet guru. This way you don't have to create something new or present a new product. It's all done for you so you don't have to reinvent the wheel. Just be certain there is a need and that that need or product isn't saturated. There are tools on the internet that will allow you to determine this factor. I learned this from Ewen along with how the internet works and he makes sense. Once again I'm not saying that all internet gurus are for real but we know in any line of business the bad ones do exist. I've wasted a lot of hard earned money on real estate and internet gurus that can't own up to their promises or guarantees. It's our own fault for not researching things before we get into them. I've found a couple that I am currently interested in and feel they are great and unsaturated. Be the judge for yourself and go to http://tinyurl.com/28nw9k and check it out. This is Ewen Chia's (one of) products and to be able to sell what he puts out is fantastic. You will learn the internet business from him guaranteed and get an understanding you never had before about the internet. Why not learn from one known and respected in the internet world around the world, literally. Another one is located at http://tinyurl.com/3expxk. I like this one because there are so many of us that could and need to improve our credit scores. If you are like me I learned the hard way about credit. this is something we all need in this world. You can't rent a car, hotel room or hardly do anything if you don't have credit. Try going to a credit repair agency and see what it will cost you. Go ahead! I try to find those products that don't want an arm and a leg but are dueable because of the nature of the business I've chosen. Affiliate programs can be inexpensive and some can be expensive. You can become wealthy becoming an affilate on the internet selling anothers system and getting paid for it. Like I stated earlier why reinvent the wheel. If the product is great and not a lot of people selling it you will succeed. You just have to follow the guru's instructions to the tee, have patience and let it happen. What about those wanting their own website where they can market products from being an affiliate. Though I found this affiliate site and the website is free you will want the one that is $11.95 per month for hosting and therefore it isn't free. You don't get the same treatment with the free site and you will end up choosing the Pro version. I may have jumped the gun too soon on this one but I did it and only time will tell. I did this at http://tinyurl.com/ys7l5x. You let me know what you think about it if you don't mind. Let me know if you think I've been had alright? I found a free affiliate program where I reward clients and friends to choose a free gift at http://tinyurl.com/yvzt78 simply because it's free to my clients and friends to pick the gift of their choosing. If you don't believe me then go there and have a gift on me for visiting my Blog. You want get a car or plasma tv or anything like that but IT'S FREE! You can't beat free can you?

Please I would love to hear from you and what you think about what I say and my choices for internet businesses that I choose and try to pass on to others. Thank you in advance.