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Frequently Asked Questions
The information provided in this kit enables an individual to start a new credit file with all the major credit reporting agencies. While it is completely legal to provide and purchase this information for curious reasons, actually completing the steps may violate state/federal laws. Please check with your local state laws and discuss these details with an attorney to determine if any laws will be broken. Federal laws, in regards to this program, have NOT changed; and this program has been completed by many individuals in past years with very positive results. While we cannot guarantee that you will achieve the same results, it has been reported that over 90% of the people that follow the steps experience the desired results.
Anyone can create a NEW credit file by going through this step by step process. This new file will be established with all major credit reporting agencies, but will not contain any of your current bad credit history, including bankruptcy.
Use it to get major credit cards, department store cards, gas cards, auto loans, bank loans, mortgages, any type of financing you desire. There is no difference between how you used your old credit file and the new one.
Anyone with bad credit history can benefit from this program and get a well-deserved second chance. But remember, this can only be done once in a lifetime. YOU HAVE NO THIRD CHANCE!
How long does this all take?
Generally it takes 45 days to have a new, clean file. By doing as this plan outlines, you will be able to enjoy gold credit in about 90 days following establishment of a new file. Some people have been able to complete the process in as little as 3 weeks because they were motivated and worked hard to get a second chance. Compare this to the 7-10 years it takes for your current file to become clean.
No! The new file is permanent! This is why it is so important to take care of your new credit file. There are no third chances!
You will be building a completely new file, separate from your present file. We will not be dealing with/or repairing your current credit history in any way. Credit repair deals with the fact that credit companies sometimes keep bad records. If you deal with a credit repair company, they will dispute negative remarks on your credit report, hoping that the creditor keeps bad records and is unable to prove the negative remark. This does actually work sometimes. But if you have a long history of bad credit with major negative remarks, chances are most, if not all, of the marks can be proven accurate with records that the credit company has on file.
Where can I get a copy of my current credit report?
Click here to find out where you can order a copy of your credit report from.